davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (TX)

on XX/XX/XXXX I tried to open a checking account with pentagon federal credit union. I was declined even though I currently have a saving account with PENFED. The Rep could not tell me why until I insisted and she researched and claimed I owe money and wasn't sure on why. She had to email someone and will call me back. Of course she didn't. So on XX/XX/XXXX I contacted PENFED AGAIN. With further digging, the rep informed me that I owe {$120.00} for my account that was dormant since XXXX. And was informed that my account was seized and didn't know on why. I was never informed in writing or by telephone that I owe any money for a dormant account. 

my complaints for their violations : - The equal credit opportunity act violation - illegal seizure of my money without prior notification - discriminate me as a XXXX minority veteran to open an account - Pulled my credit and informed me that they didn't know whey I can not open - FCRA violation -FTC Violation -ACLU Violation
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX I was charged XXXX for an item I did not purchase. I contacted the bank and reported fraud. They closed my account and reluctantly removed the charge while they investigated. This week I received a letter stating I received benefit and was responsible for this charge. I did NOT make this purchase and did NOT receive anything at all. There was NO benefit whatsoever. This was 100 % fraud.
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NV)

I took out multiple installment loans from affirm XX/XX/2021 using an old phone number. I random XXXX  man spoofed my XXXX XXXX XXXX  number under XXXX  So I couldn't log into my account. I have called and emailed over 10 times. Submitted my ID for verification multiple times, had multiple calls with managers where I confirmed my identity yet my account and credit information was never made safe. I paid all the loans off but my credit information and account is still accessible to the person who took my number because affirm will not update my account.
Consumer complaint received 2021-10-27
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: M&T BANK CORPORATION (SC)

M & T BANK received my cease and desist on XX/XX/2021. I, the consumer, demanded that all forms of communication ( calls, emails, letters, communication to third parties such as consumer reporting agencies ) cease through any and all mediums. M & T BANK has not ceased communication. M & T BANK has sent another attempt to collect a debt on XX/XX/2021. M & T BANK sent communication through the mails stating they will continue to send correspondence by mail. M & T BANK stated they will continue to furnish this alleged debt to third party consumer reporting agencies. This is a direct violation of 15 USC 1692c ( b ) and 15 USC 1692c ( C ). I the consumer refused to pay this alleged debt and demanded M & T BANK XXXX out the balance on this account ; return all payments that have been made on this alleged debt, which was a consumer credit transaction and it is a positive balance, back to me the consumer by check pursuant to 15 UC 1692h ; Delete this inaccurate account information being reported to all my consumer reports. M & T BANK had no permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ) nor did I give M & T BANK consent to have my nonpublic information which is identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I demanded an audit trail ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this account. These are my specified remedies pursuant to 15 USC 1692c ( C ) ( 2 ).
Consumer complaint received 2021-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

I sent in documentation upon the double charge. The bank was sent different receipts and proof upon my account upon a fraud case. And continuing to tell me that my proof isn't readable when it's the company name, my signature etc. And continuing to ask for a debt to be paid that's wrong on yall end. I have been going through this for a few weeks. I'm unable to pay my bills etc. I have kids and responsibilities and to call me asking for money that the case been closed for months and snatch it out my account is wrong. Everyone talk messabout this bank and I see why now. The transaction was for XXXX and XXXX and dated on XX/XX/21 from car rentals.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I purchased computer equipment on XX/XX/2021 from a merchant on XXXX. The item arrived on XX/XX/2021, with water-damaged parts. I contacted the merchant and I received a return label from the merchant within 30 days. 

I returned the damaged goods to the merchant with tracking and his signature confirmation that he had received however, the merchant decided to keep the money from the purchase and not refund me. 

I submitted a dispute with Apple Card Support with Goldman Sachs and they mismanaged my case twice with improper handling. I provided photo evidence of the damaged parts, the return tracking information with an adult signature signed by the merchant, and the text messages the merchant sent me confirming the parts were damaged due to improper packing. I submitted the evidence to multiple Apple Card Specialists and they confirmed with me that they submitted the evidence with my dispute. 

After waiting over 30 days for a response from the Apple Card Support Specialists with Goldman Sachs, I received an email stating the dispute was not found in my favor DUE TO NOT SUBMITTING ANY EVIDENCE. I have screenshots of the evidence I provided to the Apple Card Support Specialists in which they confirmed they received the evidence but did not bother to look over it in my case.

It has now been over 4 months trying to get Goldman Sachs to properly refund this transaction.
Consumer complaint received 2021-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account that I use for my business. I had this account for 3yrs and had successful transactions the suddenly Paypal decided to limit my account and now to no longer do business with me without any reason at all. I have submitted all necessary documents and verified my id and address same with my banking information but still they'd close my account and holding my funds. Paypal account : XXXX XXXX
Consumer complaint received 2020-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OK)

In XX/XX/2020 I started a refinance to lower my interest rate. I was told that I would be able to miss 2 months of payments, which was to be XXXX and XXXX and get back the {$2600.00} that was in my escrow. Because I was promised these financials I agreed and continued on with the process. As mid XXXX approached and I did not hear anything I called and was told they were waiting on the title company. I did not trust the fact that I was told that I would not get a late fee if I did not make XXXX 's payment and was not feeling very secure with what was going on so I paid the XXXX payment to stay in good standing of no lates with my mortgage payments. Finally when I called again towards the end of XXXX I was told that Someone from a title company would be contacting me for closing. I did close in the beginning of XXXX ( after my Insurance was paid ) and was told by the Title representative that the escrow I was promised would probably be mail to me. After a month had gone by I called to find out about my escrow and was told it was used to pay my house insurance which had become due in XXXX. I called several times trying to call the agents that I had worked leaving multiple voice mails but no one returned my calls. I know that they were working since they had no problem keeping up with me to get me through the whole loan process. Now I feel as though they stalled me in XXXX knowing my Insurance would be due soon. I feel I have been lied to and deceived.
Consumer complaint received 2021-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (NC)

MARINER FINANCE, HIGH POINT, NC : This company sent me a check which I deposited ( I did not solicit them ) and within 30 days, MARINER FINANCE sent another check, and, I deposited it, as well. In-the-meantime, I scheduled quite a few Home Improvement jobs with Check # 2 ; But MARINER CXL CHECK # 2 within 48 hours after I deposit at my BOA. But, I scheduled home improvement jobs with check # 2 ( not knowing MARINER was going to reverse the {$3500.00} check they sent me ). When I called MARINER CSR she said : " you can not have a 2nd loan within 60 days of the 1st loan '' ... I said to her : THEN WHY DID MARINER SEND ME A CHECK KNOWING I ALREADY HAD A LOAN THAT WAS NOT 60 DAYS OLD. '' She said " you have to read the fine print ... ..??? SUCH A SORRY EXCUSE. I live on SS check and this has really, really, really been a bad exper. for me. 
MARINER FINANCE practiced bad, bad customer service here without notifying me that they were going to REVERSE the $ $ back. THIS WAS WRONG ...... I SHOULD NOT BE PENALIZED FINANCIALLY FOR THEIR MISTAKE ... No one who already has an account with MARINER should have to go thru this. And their CSR should not EVER say : Read the fine print TO ANYONE .....
Consumer complaint received 2019-06-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Performant Financial Corporation (MD)

IN THE YEAR OF XXXX I WAS ADMITTED INTO THE UNIVERSITY OF THE XXXX XXXX XXXX IN XXXX.I HAD TO BORROW LOANS FROM THE INSTITUTE UNTIL GRADUATION XXXX. AFTER GRADUATION I FOUND IT HARD TO SECURE A JOB. 
AFTER SOME YEARS I WAS ABLE TO SECURE ONE, BUT BY THEN MY SCHOOL LOANS HAD MOUNTED UP TO THE TUNE OF $ XXXX.THIS COMPANY CALLED PERFORMANT RECOVERY. INC WERE GARNISHING MY WAGES AND WERE TAKING OUT {$89000.00} EVERY TO WEEKS.AS A RESULT I HAD NOTHING LEFT FROM MY PAY CHECK.MY CAR WAS REPOSSESSED AND I EVICTED FROM MY RESIDENCE, I FINALLY STARTED BEGGING THE AGENT WHO IS CHARGE OF MY ACCOUNT THAT HE SHOULD PLEASE CUT ME SOME SLACK AND GIVE ME A LOAN MODIFICATION IN THE AMOUNT OF {$440.00} WHICH WAS HALF OF THE {$480.00} WHICH I WAS PAY INITIALLY.
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (UT)

This has been a nightmare. I applied with Better Mortgage over a month ago. They put incorrect numbers on the loan estimate and I have asked them to fix it severa times. They have the incorrect loan amount, HOA, insurance, taxes, title and cash to close. How hard is it to put the right loan amount??? They didnt even calculate my DTI right so I had to call and get that fixed. At one point I gave up and went to another lender. XXXX XXXX reached out to me and assured me he was working on it and would ensure that everything was fixed. He also offered to apply an incentive to make up for the damage to my credit caused by having to let another lender pull my credit since Better could not seem to get things together. Two weeks later and nothing is fixed on the loan estimate. I have asked REPEATEDLY if were moving forward on the loan or not. I keep getting told that theyll be able to give me an answer in one more day and then its one more thing they need and then one more day, etc. we are now 2 weeks from closing and I dont even know if the loan is approved but its too late for me to go somewhere else!
Consumer complaint received 2021-10-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

Thank You
Consumer complaint received 2021-10-27
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. (MS)

My name is XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.
Consumer complaint received 2021-10-27
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. (GA)

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. XXXX and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. Equifax and XXXX are both reporting a collections account for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;