davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX, XXXX XXXX  ( women within ), XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX, Georgia XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XXXX card ), XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX ( XX/XX/XXXX ) reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Express Aviation (KY)

I was paying my loans monthly payments. I filed for bankruptcy on other debt that I owed which immdeiately placed my private student loan into default even though I did not include this loan in my bankruptcy, and I was still paying them. They sold my loan to a debt collector and never told me who they sold it to. Fast forward a year later- I am now receivign phone calls demanding I pay the full amount owed and they refuse to take any payments other than the full amount. They are also refusing to send me any documentation in the mail. My original loan was through AFG.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MOHELA (WA)

Concerning case number XXXX : Today I learned from a fellow employee that a representative from MOHELA talked with my co-worker over the phone and the MOHELA representative asked my co-worker about my location. This is extremely troublesome to me. How can this sort of activity be legal? This is absolutely unethical behavior by MOHELA.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.
Consumer complaint received 2016-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

Servicer is not counting PSLF eligible payments citing payments were made over 30 days before deadline to pay. This is not a rule per Dept. Of Education. It just stipulates no late payments. Servicer sends bill to me well over thirty days before payment is due and I pay it within days of receiving the bill. Then they just do n't include it as eligible. They make up their own rules. Their phone reps misinformed me on my XX/XX/XXXX payment, saying I only need to pay a {$700.00} amount. I later found out this would not count towards PSLF. They also said in XXXX that I should make a payment around {$1000.00} to cover capitalized interest just ad my graduate school grace period ended and this payment was not in my best interest for PSLF. They routinely misinform via phone on the best payment strategy to qualify for PSLF and undertally PSLF qualifying payments. I have filed a complaint with the Ombudsman through Dept. Of Education but the end result was unchanged. They should reimburse the overpayments they accepted which they did n't apply as PSLF eligible and apply elifible payments without this erroneous uncited reasoning of paying over 30 days before due date when they send a bill beyond thirty days in advance and do n't state anywhere that such a stipulation exists.
Consumer complaint received 2016-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Navient claims to offer a co-signer release on their private student loans but I believe their offer is misleading, bordering on dishonest. Navient claims that in order to apply for the co-signer release benefit, a customer must provide proof of successful completion of school, be a US citizen, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. My application was denied for the following vague, generic, arbitrary reason : " proportion of loan balances to loan amounts too high//balances on revolving accounts too high in proportion to limits//time since delinquency is too recent or unknown. '' Despite having paid my loans as agreed and despite demonstrating the financial ability to re-pay my loans, Navient denied my application using arbitrary criteria. They failed to provide any criteria to me that would result in an approval of my application if, in fact, they actually do approve co-signer release applications from any of their customers. My understanding is that lenders would prefer to have XXXX people " on the hook '' rather than one person, giving them little if any reason to approve any co-signer release application. If this is the case, the offer of a co-signer release is simply a scam. Navient never provided rates of co-signer release application approval rates prior to me acquiring a co-signer nor have they provided application approval rates at this time. Navient suggested that I may apply for a co-signer release at any time while failing to notify me that these applications may negatively impact my credit score. I do not believe that Navient has any interest in releasing co-signers as it is to their financial benefit to deny any release application they might receive.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (DC)

My Discover credit card has posted transfer balance from my previously disputed cared stolen transactions amounting XXXX a credit card service representative explained the posting has been forwarded from previously account and mentioned I will get the credit back. 
After 2 weeks my account has not been credited. Today after calling the bank another representative informed me that I am responsible for the fraud transactions because the lost stolen card fraud transactions were made in the similar store and the same amount that it is unlikely those transactions are fraud. 
I have repetdly informed the representative that I disagree with their decision and this is violating my right.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

In 2014, my credit card number was hacked and used to apply an illegal charge to my account. When I reported the charge to XXXX XXXX, they removed the illegal charge and canceled my card so it could n't be used again. They also said they would issue me a new card but they failed to do so, now claiming I had bad credit. As a result of this action, my credit score of XXXX dropped to XXXX. I finally obtained a new XXXX card from my bank. However, now my credit score is XXXX from Experian, XXXX from XXXX. Now I need to obtain a home purchase loan and this significant drop in my score is affecting the loan repayment loan. In fact, I have perfect credit. I 'm XXXX years old and have never failed to make a payment on any loan. So why am I being penalized because someone else committed fraud and affected my credit?
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I sent my letter off on XX/XX/2022. I told the consumer reporting agencies I would like to see verified proof and to do a re-investigation on the accounts I have listed below. 

Accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Also I have attached the letter I sent out and here is the Tracking numbers for each letter they received via certified mail : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies attached as well. 

Ive also on XX/XX/2022 send out a letter via certified mail ( attached as Last sent letter ) stating they didnt do a proper investigation on my accounts now they Shall delete the accounts listed. Heres the tracking for that letter : XXXX ( Equifax ), XXXX ( XXXX ), XXXX ( XXXX ). 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also stated that consumer reporting agencies can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MA)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (FL)

I am a Victim of ID Theft I have a freeze on all of my credit files, I am concerned with my Experian file, I have never been contacted when companies are contacting Experian for my information. When I question at custom service they were very nonchalant about it. I was aware of XXXX inquiries yet I did not get any phone calls as to why or the confirm the inquiries. It makes me a little concerned and I want to feel protected because I was a victim with IRS. I am still very careful with my credit which is still damaged due to being a victim
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NY)

Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!
Consumer complaint received 2017-01-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (UT)

I took out a student loan XX/XX/1993 with plans to go to XXXX school. I was never able to attend. Since then I have been through XXXX chapter XXXX bankruptcies. My student Loan is through Navient. I am unable to pay. Beginning about 6 months ago, they began calling me several times a day. Since then I have told them verbally to cease and desist contact. I have sent two ( 2 ) separates letters ( each sent certified mail ) demanding they cease and desist. The calls stopped for a little while but have started up again. Now they are contacting family and friends. I know this is illegal. I want all contact to cease. I want them to know if they continue I will sue for violation of the Fair Debt collections Act.
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

Dear CFPB - Unfortunately, I have XXXX student loans that went into default over the past several years due to financial difficulties. I have been accepted to a graduate program for the fall semester, and can not get new loans until my defaulted loans are taken out of default. In order to get loans out of default and on a payment plan, I attempted to consolidate all XXXX of my loans into a new consolidation loan with XXXX XXXX XXXX XXXX. XXXX of the loans were successfully consolidated. However, the remaining XXXX loans that are serviced by Nelnet are stuck in " limbo ''. My NSLDS account shows that these XXXX loans are held by Nelnet but went into default in XXXX 2014, almost 2 years ago. Nelnet customer service informs me that the loans are in the process of being transferred to a collection agency hired by the DOE and that this process can take an indefinite amount of time. When I contacted DOE, they informed me that the loans are still held by Nelnet and have no other information. I would like to consolidate these XXXX remaining loans with my new consolidation loan with XXXX XXXX, but for the last several months, neither Nelnet nor the Department of Education can tell me where these loans are and when they will be transferred to a collection agency. What am I supposed to do at this point?
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. Equifax reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NJ)

I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed, and still believe, that " this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX, which I did, it 's been around a month now and I have n't received any sort of reply.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

I over paid my Chase credit card via bill pay by {$3600.00}. They tell me it will take 10 business days to refund my money. That 's absolutely absurd. One has the feeling that Chase purposely delays repayment in order to gain financial advantage for the bank. When you multiply all the accidental over payments, it 's a significant amount of money. It takes two days for my electronic bill pays to be received, yet it takes Chase 2 weeks to refund my money?
Consumer complaint received 2015-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank did not issue me " Chase XXXX '' and I did not have any " Welcome to Chase Mobile! " Log On and Enroll '' In addition, I did not get a new debit/checking account from Chase Bank, so I did not hear from anyone brings me check and did not pick up me bringing to XXXX XXXX XXXX or any place. I must be most upset for a long-waited for new banking account for debit/checking and I must disappointed with unable received a cash reward credit card. I did not happy with previous details that I had explained before complaint filed against Chase Bank for their refusal serves me with Chase Bank, so they still neglected against me with deaf and other reasons due to my protection privacy requests. Totaled Unresolved Problem with these above, did not hear from them. I am not happy with XXXX XXXX XXXX continually at requests to be printed record with CFPB at request.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2016 XXXX XXXX Credit card offered a {$200.00} statement credit when making a purchase over {$500.00} within the first 3 months. When I applied, by the end of XXXX 2016, the offer was {$100.00} instead of the {$200.00}. I called the company to see if I could still get the {$200.00} statement credit offer and they told me that they were going to apply the {$200.00} statement credit as long as I requested after making my over {$500.00} purchase. I purchased 5 year passes to XXXX XXXX In XXXX 2016 and paid {$1600.00} with the XXXX XXXX Credit Card. I called the company so they can apply the {$200.00} to my statement credit. After about three weeks I received a XXXX Gift Card in the amount of {$100.00}. I called the company right away and asked about the {$200.00} statement credit. I told them I did not want the gift card and I was willing to send it back. what I wanted was the {$200.00} statement credit they offered. In early XXXX 2016 I called again because I got my statement and there was no credit at all. I was told that they were going to submit a request for the {$200.00} statement credit and that I was going to get a letter within 10 days. After 10 days I called, XXXX XXXX, 2016, to check the status of the request. The person on the phone said that there was a note about it but the request was never submitted. Again she told me she was going to make sure to submit it and that I was going to receive a letter in the mail about the decision. XXXX XXXX, 2016, I called again to check the status of the request. This time the person on the phone told me that they do not give any statement credit and that they had made a decision in XXXX XXXX, 2016 to not to apply the {$200.00} statement credit. XXXX still shows the {$100.00} statement credit offer. Still they do not want to honor the offer.
Consumer complaint received 2016-08-11
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (UT)

My payment was due XXXX XXXX, 2016 and although I paid it on XXXX XXXX, 2016 I was assessed a late fee the day the payment was XXXX XXXX, 2016. It seems that the late fee should be given on XXXX XXXX, 2016 or there should be a grace period.
Consumer complaint received 2017-01-19
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MO)

A check from the XXXX XXXX XXXX XXXX through JPMorgan Chase Bank out of XXXX New York cashed a check payable to me that was stolen. I 've contacted the bank but was given the run around.
Consumer complaint received 2017-05-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Brelvis Consulting, LLC (NM)

I have received multiple robo calls from  XXXX  Each time I am left a message or listen to a recording from   XXXX   XXXX   of Student Loan Help Center saying he has my application on file, and needs for me to call back so they can finish processing it and I can consolodate, have my student loans refinanced, or forgiven. Several weeks ago I called back and let them know I do n't have any student loans. I did not hear from them again until today ( several weeks later ) .I called back and left a message saying I 'd like to know how they can help me. I was immediately called by " an assistant '' who asked me if my loans were current. When I said I did not have any, nor had I ever had any student loans, she told me they must have my number by accident and abruptly hung up.
The numbers I have received calls from or called are :   XXXX     XXXX   XXXX  , CA a  XXXX  phone number   XXXX    XXXX , CA   XXXX     XXXX   XXXX  , CA