davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (WV)

RE : Experian Credit Reporting Agency on XX/XX/2019 my Experian Credit Report Score was XXXX. I was excited as my XXXX was now at XXXX and my XXXX at XXXX. I've been working on bringing my credit scores up as I'm interested in buying a home. 

Experian has been promoting this XXXX XXXX product that analyzes your bank account and claims to boost your credit for bills you pay on time. I have several. So, I was excited about the possibility of a boost from XXXX perhaps into the XXXX where my XXXX score is. 

On XXXX, I entered my bank info -- confident about the payments I make regularly and looked forward to the so called " XXXX. '' Well, I was outraged to see within seconds that the " XXXX  '' was an all out " bust! '' With no reason given! My score dropped XXXX pts, instantly! I perused the site for an explanation -- could find nothing. Called their customer service number an automated " beat around the bush '' that takes you absolutely nowhere! I immediately removed the attached " XXXX '' feature from my Experian account as it was a wholehearted nightmare! Thankfully, my other scores have stayed in tact. I have no derogatory information on my Experian credit records that show/explain this sudden drop. This XXXX  so bad. It's horrible that they would do this to customers who are being responsible about their credit. I want this resolved ASAP. It compromises my ability to secure the best rates on loans, etc. Please help.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc. (CT)

I use company name Taptap to transfer money to XXXX since XX/XX/2023. I called to conceal the transaction because I mistakenly place the wrong figure which they told me is already late. After somedays the receipt called to informed me that the part of the money just disappeared from her account. I contacted taptap and the receipt bank immediately and I was told that the money is withheld. The only solution is for taptap to call their correspondence in XXXX to releases back the money to recipient account. Taptap have fail to meet up with these obligations, I have called them million times but to no avail. Pls I need your help to retrieve my money back. Thank you. Yours faithfully XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-12
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: KEYCORP (TX)

Keybank allowed an inquiry to go through my transunion credit report that I did not authorize, nor was the consumer statement cleared. I did not authorize any products through their company nor did I authorize any applications to be submitted in my name. The inquiry date is listed below, I am a victim of identity theft. This application is fraudulent, and I want this withdrawn and removed from my consumer credit file XXXX Bureau since I did not authorize this to be submitted to begin with it is fraudulent. 

KEYBANK NA XX/XX/2019 2019
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

In XX/XX/XXXX, i purchased a home. Due to the size of the loan, i had a first and second mortgage. A year after i purchased the home, I refinanced the second to a lower rate. I did not take any cash out. In XX/XX/XXXX, I began working with XXXX XXXX XXXX to refinance my 2 existing loans into one fixed rate loan. XXXX brought my loan to multiple investors, but continually ran into new and unfair XXXX XXXX and XXXX XXXX   guidelines. Despite NEVER having taken cash out on my 2nd/HELOC and not taking any cash out in this transaction, the new guidelines allowed the lenders to call my loan a cash out, thereby enabling them to charge me a much higher interest rate and require cash at closing. I was finally able to get a loan in XX/XX/XXXX and I am currently paying Plaza Mortgage 5.375 % on my loan. Had the unfair provisions not been put in place, i would have refinanced several months earlier, saving thousands of dollars, i would have received a lower interest rate, paying several hundred dollars less monthly on my mortgage and i would not have been required to front any cash to lock the mortgage. I provided documents from both my original purchase and the refi of my 2nd as well as statements from my heloc going back over a decade to show that I never took any cash out. I proved that the loan was not cash out, but the lenders rejected my proof simply because they could and would make more money off of me. My loan was nearly completed several times when lenders would stumble across this practice and change the terms on me As a recently divorced single woman, i needed to refinance in able to afford my mortgage on my own, so i didn't have the option to reject the loan offer, but i am incredibly disheartened by the strong arming and questionable tactics used to force me to pay a higher interest amount.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NC)

I have had this loan since XX/XX/2018. I attempted to update my bank account for over a month ( on hold for over an hour without reaching a representative on every occasion and unable to update online ). My loan payment was taken from the old bank account even after I managed to get my account updated ( after multiple emails back and forth with customer service ). They updated the bank account, but told me I had to call customer service to update the pay schedule ( I had changed to bi-weekly instead of twice per month ). I attempted numerous times unsuccessfully to reach customer service to update this information. I emailed again with no response. I just wanted to correct bank account to be updated on the correct date. Even just the correct account would have worked. MoneyLion then reported a late payment to all credit bureaus, dropping my mortgage score nearly 100 points. I am in the process of obtaining a home loan, and now no longer qualify. I have sent numerous emails and no one will address the mistaken late payment notation. I need it removed, as it was an error on the part of MoneyLion. I have paid the remainder of my loan and will close all accounts I have with MoneyLion. I  just need the late payment removed immediately.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IN)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX I am asking for a correction please : Please read the official enclosed results from a Wells Fargo Research and Remediation Artist. 





We wrote and sent a check paying off this account XX/XX/2019. The payment was due XX/XX/2019. Enclosed was a note to cancel this account. We were notified Wells Fargo was selling all Branches in Indiana and Michigan. The monies needed for paying fines as a result of Consumer Mistreatment. We wanted to shut this down and no longer borrow from Wells Fargo. We did get a Bill for {$26.00} for the privilege of making a loan at Wells Fargo. I was not aware we had paid for this Privilege prior over the lifetime of the loan. A phone call was made asking to close this account also before and after the Bill. The charge was nullified. 
Then it appeared on my Credit report in XXXX as " paid as agreed ''. 


I inquired what the account was about as it did not have the entire account number. My Wife and I did not recognize the number. 
Please do something to correct this. We did NOT make a delinquent payment ever. Explain how being falsely accused for a delinquent payment is OK? How and why should we accept this as part of our Credit Reporting for 10 Years? 



XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (OR)

I owed $ XXXX on my Discover Card. I got an offer from XXXX including balance transfer 0 % for 12 months and I opened the account. XXXX immediately showed that I owed them {$2300.00} and I got a physical mail saying that that was the highest amount they could transfer, but it did not show up on Discover for a week. I complained to XXXX that the debt was showing on both credit cards. They pulled the money back fto Discover and now this {$2300.00} shows as debt on both cards.
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Capital Financial Group, LLC of Illinois (FL)

On XX/XX/XXXX I was contacted by a man name XXXX XXXX  from XXXX Capital Finance. He advised me that I qualified for a loan of XXXX with 4 % interest with a monthly payment of XXXX starting on XX/XX/XXXX. He said I will deposit some money in your account to show good faith and verification of your identity. He then proceeded to tell me I would need to purchase XXXX XXXX gift card. Totally XXXX funds they put in my account. He asked me to read the card number and pin. And then told me the money would be in my account within 30 minutes. Which it was not. He said because the banks were closed it would be deposited tomorrow. No money was deposit now I owe XXXX to my bank. Im requesting the return of the XXXX to pay the bank
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian continually sends me these stall letters and they refuse to process my disputes and its been going on for quite sometime and I am sick and tired of it and it needs to stop and Experian is not throughly invitagating my disputes and they fail to let me know what their method of invetagation was they are not checking for complete accuracy or completeness Its an account in question that Experian continually comes back as verified but its missing part of they payment history and its listed as an unsecured account but it reporting I made payments from a savings account that would make it an secured account and they are commiting fraud saying I made payments and I have never made payments on this account
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CA)

Fore recent XXXX weeks, I could not access myloancare website ( this is my mortgage company, I am homeowner ). Their customer service can not ve reachable ; and they did not provide any email saying their website is down or any instruction regarding website down. Morgage due date is XXXX, which is few days later. I would like to pay my mortgage monthly payment, but there is no way I make payment since myloancare website is down for few weeks.
Consumer complaint received 2019-09-12
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. (NV)

Recently, I found out that Equifax had a data breach and Equifax had a settlement. I checked both my spouses XXXX XXXX XXXX XXXX and my credit and found that our credit account/social security numbers were compromised. Per the lawsuit, Equifax was to give {$120.00} to each person affected or give them credit monitoring. In our case, our accounts have been frozen prior to this breach and if anything occurred on our credit accounts would be the fault of Equifax only and would be liable for any damages. I submitted a claim for my spouse and I last month on Equifax website. Equifax sent us an email ; your claim # XXXX for XXXX XXXX and claim # XXXX for XXXX XXXX for {$120.00} in connection with the Equifax data breach. You must verify you have credit monitoring or amend claim by XX/XX/2019 or your claim will be denied. No one that was affected by this breach should be required to have credit monitoring due to this issue! This is unfair and may violate our laws since Equifax affected thousands of consumers which should be held accountable more than just {$120.00} for their inconvenience, aggravation, having consumers information being compromised just to name a few. Furthermore ; if there is another federal or state agency that will also handle this complaint, we request that this complaint is forwarded to them so Equifax is held accountable for their actions. This is NOT about free money but rather damages to consumers credit file information that was breached!
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MN)

Commenity Bank is trying to collect a credit card debt and called 5 different times before XXXX and will repeatedly call throughout the day, upwards of 10 times, every day. They also call before XXXX and after XXXX as well. They also called my family members who are not at all on my credit card and asked for me.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My loans were fully forgiven under XXXX in XXXX of 2023. I have all of the documentation and forgiveness letter to confirm this. A few months after being forgiven, I received two checks in the mail, in identical amounts. I found this odd, so I called Mohela, my servicer, and they said they accidentally sent out duplicate refund checks to thousands of PSLF recipients. They told me to keep one check and to return the other, so I did. Then, I noticed a few weeks later my Mohela account, which had been listed as " Forgiven under PSLF '' with NO balance since XXXX, suddenly showed my full loan balance and showed I owed money again. I was absolutely shocked an in hysterics that my loans were somehow reinstated without my permission or even any notice being given to me. This is HIGHLY ILLEGAL. So, I reached out to Mohela for the past several months in an attempt to resolve this issue. I have filed complaints, I have had supervisors " looking into it '' and several different case numbers open. Nothing has been resolved. And, my account went from being XXXXXXXX XXXXt to showing them owing me money to now showing I am in repayment. On XX/XX/2023 I received an email from Mohela saying " congratulations your loans are being forgiven under PSLF '' and that I would be getting a refund in the mail, again, which makes no sense because they were forgiven in XXXX of 2023. Then today I get an email saying I have a payment due in XXXX and my account shows I am in repayment with my original loan balance pre-covid, and no PSLF listed anywhere. I am completely at my wits end and I want my loan closed out completely. I have all documentation to prove this and am so upset I am considering legal aid. Please help resolve this once and for all. I have submitted 18 emails to Mohela and have had hours upon hours of phone calls with no help, no resolve, and I'm afraid my credit will report that this loan that I don't owe is back. I can supply every email I have ever sent Mohela if needed, however they are all readily available on their website as well. Please resolve this as soon as possible.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 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 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 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 XXXX