davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

MyEquifax will not let me log in, even after changing my password through their online password recovery workflow. The newly set password will not work on the login page and I am not told that the account is locked, so I assume it is not.

In addition, on the password recovery ( reset ) page, the social security field remembers past entries which is a massive security issue. This feature should be disabled for this field! ( Obviously I've had this issue with the page in the past and never got a resolution )
Consumer complaint received 2021-10-05
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: OneMain Finance Corporation (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX, I was notified by the merchant XXXX  that I had a refund available to me totaling {$1100.00}. I had two options, to receive XXXX credit or have the amount refunded to my credit card. My credit card account, a Chase United Mileage Plus credit card, had been closed in XX/XX/XXXX. I called the number on the back of my card ( I still had the card in my possession at the time ) to find out what would happen if I requested a refund sent back to my closed account. After speaking to a manager, I was notified that if I notified Chase card services of the refund to my closed account, I would be sent a check for the balance to my address on file. I was notified Chase Card Services would hold my funds for 60 days before returning to the merchant. 

I went to the Chase branch near my house on XX/XX/XXXX and requested a banker to help me send notification to Chase Card services including the Transaction ID and all other necessary details regarding the refund to my closed account. She was gracious and helped me fax the information to the correct party. I was expecting a refund check within the next 2 weeks. 

Instead, I received a letter form Chase XXXX XXXX that the refund was not found in their system. I figured I would wait to see if it showed up in the next 10 days ( I was told it could take up to 10 days to receive the refund from XXXX ). 

On XX/XX/XXXX I went back to the Chase branch by my house and asked to send an additional fax with the same information as before to Chase Card Services. About a week later, I received a letter dated XX/XX/XXXX stating that Chase Card Services received my refund and returned the funds to Kiwi.com on XX/XX/XXXX. Chase Card Services told me in this letter to contact XXXX for my refund. 

XXXX is unresponsive and can not be contacted by telephone or email. I sent them a message from my account on their website on XX/XX/XXXX and have not received a response. 

On XX/XX/XXXX I returned to the Chase branch by my house. After spending 1.5 hours on the phone going back and forth with representatives from Chase Card Services, the problem has still not been resolved.

As far as Im concerned, the problem is with Chase Card Services not adhering to their policy of sending me a check for my {$1100.00}. They had no reason to return my refund to Kiwi.com after I had notified them in writing of all information they needed to process the refund and send me a check in the mail.
Consumer complaint received 2022-07-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Ave Student Loan Servicing, LLC (MI)

I am a co-signer on my son 's student loans that he has with XXXX  XXXX XXXX XXXX. He graduated in XXXX of XXXX and his payments will convert to principal and interest payments next month ( XX/XX/XXXX ). I received a billing statement dated XX/XX/XXXX with a total amount due of {$250.00} for one of his loans. The payment for XXXX should be {$98.00}, not {$250.00}. I called XXXX XXXX on XX/XX/XXXX and spoke with customer service rep XXXX. She stated that they had an error in their system and sent out incorrect billing statements to their borrowers. She stated that the statement I received showed the payment due for XXXX AND XXXX but that I only needed to pay {$98.00} for XXXXXXXX XXXX payment. I asked her if they would be sending out a corrected statement because I was not comfortable shorting the payment due that was on my statement with concerns it might affect my credit. She said that XXXX XXXX would not be sending out corrected billing statements and that is how they are dealing with everyone that received an incorrect statement. She stated that I was incorrectly billed for 57 billing days instead of 30 billing days.
Consumer complaint received 2021-10-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

we have been making payments to the company and they are not crediting us for the account but still charging us financial charges and then refusing our payments and are not responding when we ask why, we have emailed and talked to them on the phone and still we get no place. its affecting our credit score and our bill goes up and they offer no line of credit, they our a company that bought the loan off contrywide home loans. and we never agreed to any terms or did the ever try contacting us. we are sending money to servicing and they accepted the first payment then refuse payments after that money sent to servicing on a weekly bases and they did accept and credit account then refused the other weekly payments this is not right please help as they are hurting our credit score and we are unable to refinance due to them
Consumer complaint received 2021-10-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OH)

My mom found out that Wells Fargo opened a fake Savings account in my name in 2009 and closed the accounts several months later. I was only XXXX XXXX XXXX at that time. Once I learned about these accounts, I called Wells Fargo I filed a few complaints and they kept reassuring me that they would get back to me in a short amount of time. They gave me phone numbers to call, but it's been very unsuccessful and neither have they taken any action to address this matter. My parents were told that one of their excuses was that I was a minor and it didn't affect my credit. 

Wells Fargo opened several fake accounts for my family. A rep for Wells Fargo and a JAM mediator earlier this year promised to send me through mediation and make this right. They have not.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

In XX/XX/XXXX I received a notification from my bank ( XXXX XXXX XXXX XXXX ) of a debit from my account as I do for every transaction. When I looked at it, and saw the amount, and didn't recognize it, I immediately called XXXX to find out what it was. I was told it was a purchase from my account that I knew I did NOT make, nor authorize, and I notified XXXX that this was not initiated by me and had to be fraudulent. They gave me the information to the company that the goods were ordered and I also contacted them. They verified that the delivery address was not my address and I told them that I did not order the goods and they should not send them out. I advised them also that this was fraud. I then contacted my bank and put a stop payment on the order and closed my account as it had been compromised. I assumed that since I told them right away that this would be handled. I have not used that XXXX account again since then. I am now receiving a notice of assignment from a debt collector for XXXX for the amount of {$610.00} which I do not owe bc I did not order, authorize, nor receive goods from them or anyone else stemming from this fraudulent purchase. I contacted XXXX on XX/XX/XXXX to advise yet again that this debt is not mine and is in FACT fraud and they refuse to release me from it. I am requesting that it be removed from under my name and SSN immediately and not be reported to and agency causing defamation to my character. I would also like to exercise my consumer rights under Title 15 USC 1681m ( f ) ( 1 )
Consumer complaint received 2021-12-20
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)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX )
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Financial Guardian, Inc. (CA)

I am submitting this complaint because I am being extremely affected by MERCHANTS FINANCIAL GUARDIAN , INC . They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor. 

This situation for me is so hard, XXXX cant sleep. 

Account Information : Account name : MERCHANTS FINANCIAL GUARDIAN Account Number : XXXX Date Opened : XX/XX/2018. 
Balance : {$3500.00} Solution : delete my account from all credit bureaus and waive the balance.
Consumer complaint received 2021-10-04
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (OH)

I signed up for an account with Blockchain.com on XX/XX/21. Once I signed up for my account I started trading cryptocurrency. I received a payment in XXXX  from my father that was suppose to cover my rent for the following month. This amounted to about {$900.00}. After I started trading I was told I needed to verify my account again. I sent in all the required documents and was told my account should be verified within XXXX hours. Then I was told my account is under manual review which could take up to 5 days. In this time I am locked out of my account. I am not allowed access to my own money which I need desperately. I contact support almost every day offering to send more documents, asking when the issue will be settled and I am always just told to wait longer. At this point it has been almost 2 weeks and money is being held hostage. The website states that the verification process can take up to 5 days. It has been much longer than this and Ive read online people stuck in this process for months. Im afraid this website may be a scam and Ive been defrauded. To this day, when I try to do anything on my account I receive a message telling me my account is not yet verified and to refresh in 5 minutes. Any assistance would be greatly appreciated.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPT HELVEY & ASSOCIATES XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HELVEY & ASSOCIATES XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/1995 ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

This situation has been ongoing since last year when Citi closed my credit card account for no reason. That's fine. But then Citi increased my minimum payments from {$60.00} per month to {$330.00} per month. Then citi refused to accept my payments and cash my checks. Citi has to date never cashed my check or accepted my {$330.00} payment from XX/XX/2020. I refuse to continue sending in checks that Citi will not cash or process. In addition, even though this account is in ongoing dispute, Citi has proceeded to mark the account delinquent and send through the collections process. I received a letter from Citi offering to settle the account for {$1200.00}. I called Citi and accepted their offer. They told me never mind it was rescinded and sent the account to collections and marked my credit report as delinquent and late although Citi refuses to cash the payments I have submitted. At this point it is clear that Citi has no interest in ever resolving this matter, Citi has no interest in accepting my money or payments, and Citi 's only goal here is to ruin my credit and attempt to mark my account as unpaid and overdue even though they are the ones refusing to accept my payments and cash my checks.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.
Consumer complaint received 2021-11-29
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. (VA)

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 2023-08-16
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: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I received a credit report from Experian and they said I had a XXXX XXXX XXXX XXXX dispute filed and with that dispute being father said that the information was accurate and correct which is not. Again it's XXXX XXXX XXXX XXXX account number XXXX account type collection responsibility individual they open XX/XX/XXXX status collection account XXXX past due as of XX/XX/XXXX status update XX/XX/XXXX balance XXXX balance update XXXX payment is receive - monthly payment XXXX original balance XXXX highest balance XXXX turns one month on record until XXXX. As far as further information it says historical info original creditor XXXX XXXX XXXX XXXX I've always had State Insurance I'm not understanding why I'm receiving this bill. I've always had medical assistance from the state which is Medicaid in XXXX I was covered with medical insurance from the state which is Medicaid if you could take the time and effort to look into the situation to please help me adjust this thank you. For as the contact information for the company is phone number XXXX address XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As I filed the dispute with Experian and the response I got was verified and updated this information you disputed has been verified as accurate however information unrelated to the dispute has been updated. This is what experience has sent me in an email. XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I have been fighting an ongoing battle to fix my credit reports and DDA reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account XXXX  XXXX XXXX and XXXX they both fall under same category. I am more concerned with XXXX  XXXX XXXX as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked chexsystems to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW!