davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (TX)

I signed up for an Albert XXXX XXXX insured through XXXX XXXX ) account using a referral link I was provided. The referall link terms were very simple and only stated 1. You must be a new Albert member 2. You must sign up with a referral link 3. You must set up direct deposit with Albert Cash 4. Make a direct deposit of {$200.00} or more every 30 days for 90 consecutive days ( 3x total ).

5. Spend at least {$100.00} on goods or services with your Albert debit card every 30 days for 90 consecutive days ( 3x total ).

I met all of these terms in the 90 day window.

1. I have never had an Albert account before 2. I signed up using a referral link I was provided. The link takes you directly to the XXXX play app store ( or apple app store ) and provided them with my history which shows a link I clicked on that had the referral link and shows the XXXX play store address. I signed up for this account on XX/XX/XXXX 3. I set up a direct deposit from my employer into Albert Cash 4. I received a {$200.00} direct deposit from my employer on the XXXX and XXXX ( or earlier depending on weekend and/or # of days in month ) of every month from XXXX through XX/XX/XXXX. That satisfies the " every 30 days for 90 consecutive days '' requirement.

5. I spent over {$100.00} using my Albert debit card every 30 days for 90 consecutive days. 

I have provided all proof needed to Albert along with pictures of the terms I was given at signup.. and they refuse to payout the {$150.00} signup bonus. They are impossible to work with and do not have a number to call. There is only a number ( 5 digit so can not call ) to text and an email. I followed all rules and terms and they refuse to assist. 

Albert keeps making up terms that are not posted anywhere on the website or anywhere to dispute any bonus like " the referrer has to complete all requirements as well '' ... which is not posted ANYWHERE online or in the signup terms. They are a terrible product and do not have any online banking. Only app which is hard to work with. 
They then tried to claim I didn't use a referral link. Even though I provided them my history in my phone google chrome browser which showed a XXXX play store link with a referral code/link. They then admitted I used a referral link. They just continue to be impossible to work with and will do anything to not pay out the bonus as promised in the terms. Also my direct deposits that I set up match the direct deposit requirements EXACTLY as stated in the terms... why else would I set this up.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I was recently looking over my accounts and credit utilization and noticed on my XXXX, XXXX XXXX and XXXX account I am on are all currently missing from my credit report on XXXX & experian  but it is on XXXX. In the documents I will show how on XXXX  reporting agency it shows all my accurate information but the other 2 companies do not. I have called each of these companies and they said the same thing that they reported to the credit reporting agencies I am unsure as to why XXXX  only reported and not XXXX  and Experian. The first document attached will show the inaccurate information from XXXX & Experian and the second document will show the correct information that they need to update.
Consumer complaint received 2022-08-07
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. (GA)

I AM XXXX XXXX A NATURAL PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Equifax is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. They can see in there system that this account was previously disputed without being verified. Equifax has violated HIPPA LAW also. 
The account being disputed is XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (OK)

I received a letter in the mail on XX/XX/2022 from a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, regarding a debt in the amount of {$2800.00} from Providian Bank CD/Card. It was sent to me in my maiden which I haven't had in15 years. 

In the letter it says it is trying to settle a debt for Providian Bank CD/Card and that this payment is due in their office no later than XX/XX/2022. Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. 

I called the XXXX  in New York and talked to a man and explained to him the situation and he said not to get in touch with the company, to call my Attorney General and report, file a complaint with the XXXX in New York, and to report to the FTC.gov ( Federal Trade Commission ). I am following the XXXX  's advice. 

The situation is I have NEVER done business with Providian Bank CD/Card. I have NEVER been contacted or informed by anyone or business about this NEVER. There is lots of frauds going on, that is why I called the XXXX  to find out how to handle the matter.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

NO customer protection from scams. Misleads customer that it is safe platform. No accountability. 

Both Chase bank and XXXX refuse to reverse transactions to scammers ( with evidence ) when the transaction is still marked as PENDING. Chase and XXXX pass the responsibility to the other one. 

Non-existent customer service can not get ahold of any human at XXXX.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

A check being sent for deposit in the amount {$24000.00} stolen from XXXX post office 's drop box on XX/XX/21. Wells Fargo ( XXXX ) accepted check as deposit on XX/XX/21 and transferred funds to " XXXX XXXX  '' ( XXXX ) on XX/XX/21. The check was endorsed and marked " Deposit Only xxx xxx ''. I DO NOT have a checking account with Wells Fargo! I received a copy of canceled check on XX/XX/21 and I spoke with Wells Fargo 's personnel and they said they couldn't help me, that XXXX  XXXX XXXX would have to initiate a request for records. XXXX refused to do so as check had been endorsed by me.
Consumer complaint received 2020-07-24
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. (GA)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent account that is currently reporting id XXXX XXXX XXXX XXXX. I also have a slew of credit inquiries that I did not authorize and are fraudulent. I have attached an FTC Identity Theft report and I am currently awaiting the police report.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (MN)

A law office continues to try and collect a debt that is over 7 years old. I have disputed the debt online and I believe it has been removed ; however, this company continues to send letters. I have also provided, several times, proof that I am on public assistance, and an exempt from collection.
Consumer complaint received 2021-03-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

In XXXX and XXXX I was unable to pay my student loan, and place it in forbearance on three separate occasions. I was told by phone operators at Mohela that I could continue my forbearance for a specified amount of time. As I recall, this was 18 months. I was also told the forbearance lasts 90 days, then I had an additional 90 days to place the account back into forbearance before it would default. I place my account in forbearance in the spring of XXXX. I then waited the six months I was told would be the limit, and placed the account into forbearance again. I was told at that time by the phone operator this was perfectly fine, and my account was up to date. I did this a third time in XXXX, and it was only on the third time that I was told the previous operators had given me incorrect information. What they neglected to tell me is the accounts were reported as late to the credit bureau after 90 days, and that I was accumulating 90 day and 120 day delinquencies on my credit report - even though no payments were ever made or needed to be made, and the account was allowed to be in forbearance. I explained this to Mohela, and have disputed these reports on several occasions, and Mohela refuses to acknowledge I was acting on bad information given to me by them and their phone operators. No payments would ever have been due. The only thing I was late with was making a phone call, which I was clearly told I had to do within 6 months to avoid default. Had they told me I only had 3 months to avoid dramatically damaging my credit, I would have called in 90 days instead of 6 months. Again, no payments were due, so I had no reason to not call in, other than I was given bad information by Mohela. They have continued to refuse to acknowledge they had any part in this miscommunication.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I previously received an email from Transworld Systems Inc. informing me that they werre charging my XXXX  card for {$410.00} for a computer fraud monitoring system. If I didn't want this charge, I had to telephonically contact them and they would " refund '' this amount. I contacted them and they said they needed my bank checking account number so that they could directly credit this amount to my account. 

I immediately realized this had to be a scam because I never authorize anyone to have direct access to my bank accounts unless I had previously arranged this process. I immediately hung-up on this person and immediately disconnected my computer from their website. 

I am a retired XXXX XXXX XXXX and worked XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, etc. ) and know the above described efforts are made by fraudsters. It was also obvious from the Transworld Systems person that they were calling from a foreign country because of his heavy foreign accent.
Consumer complaint received 2022-08-06
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. (TX)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a ( 3 ). They assumed this role without permission not only that they did not have my consent. They did not respect my rights to privacy which is under 15 USC 1681 a ( 4 ). They did not exercise there grave responsibility, they were unfair, they were partial. They never had permissible purpose Under 1681 b ( 2 ). I never consented to this report in the first place.
Consumer complaint received 2022-02-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc (TX)

Affirm has continuously treated me unfairly and refused to acknowledge and assist me, refused to research and cr report shows falsified amount of {$13.00} ; not only have they reported this FALSIFIED info of me owing them, I dont. They reported to the credit bureau since XXXX and denied me for almost 4 years by a false amount of {$13.00}. They failed to keep up with the returns and made up an amount and refused to credit my act fully. While they have a CLASS ACTION lawsuit for payment plans that encourage higher spending and make " returns tricky ''. dated XX/XX/XXXX the companys practices violate New York consumer protection laws. While they continue to be petty and violate my rights and ruin and disclose bad pmt history to the credit bureaus is outright WRONG. They need to remove bad info from my report and approve my history in any future transactions. With a rating of 1.5 out of 5, tells you a lot of who they really are-including the last class action suit. I spoke with XXXX in XXXX today XX/XX/XXXX as he was rude and refused to acknowledge the issue, Its their way or the highway. Does AFFIRM a financial inst. Not have to follow rules and reg as any other Finance company? Why do you allow this finance co to violate the law XXXX and treat customer unfairly? I fought and fought for years -see emails and still they get away with it. SCAM!
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

i, XX/XX/2020 According to 15 usc 1681 ( a ) ( 3 ) Equifax assumed a vital role in assembling my consumer report. 15 usc 1681 ( a ) ( 4 ) Equifax Didnt exercise grave responsibility, was unfair and partial, and didnt respect my right to privacy. As a consumer Equifax never had permissionable purpose, and I never gave permission according to 15 usc 1681 ( b ) ( 2 ) to furnish anything in pursuant to my consumer report.

I have attempted to dispute the a furnish account twice but have been ignored.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

I purchased furniture from Ashley Furniture because I qualified for a store credit card and no one explained anything about " deferred credit ''. Instead this store credit card was presented as a traditional credit card by the sales people. I have made timely payments since I have had this account, but now Ashley has not only applied this " deferred credit '', but they have also reduced the credit limit. As a result of this reduction of credit and the application of this " deferred credit '', the account now reads that I am over the credit limit which will be a negative impact to my credit score. Had it been explained that the company would conduct business in such a way, I would have declined their offer.
Consumer complaint received 2022-02-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

Contacted Mr. Cooper on XX/XX/23 to have my loan put on a 6 month forbearance due to losing my job. Everything was set up via phone call and I was told the forbearance would start as of my XX/XX/XXXX payment. I just received a bill today showing a past due amount and late fee for the XXXX payment. I called Mr. Cooper and they are saying they have no notes saying the loan was ever put on forbearance and that I need to bring the account current. When I asked to speak with a Manager I was put on hold for 10 minutes and then hung up on. All they have to do is pull the call from XX/XX/23 but I don't think they want to.This seems like a total scam to be able to collect fees and foreclose on the properties. This is also now showing on my credit report as a late payment. I need someone to step in and hold this servicer accountable. This company makes money hand over fist buying servicing from reputable mortgage companies and us consumers are stuck having to deal with their predatory practices. PLEASE HELP
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-04-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

Between XX/XX/2021 and XX/XX/2021 there are XXXX inquiries on my credit report made while mortgage comparison shopping. Per rule, this should only show as XXXX XXXXt inquiry on my report. I initiated the eventual mortgage on XX/XX/2021 ( properly shown on my report ). I tried to initiate on online dispute with Equifax to resolve this. They came back the next day saying " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' Which is true, but non-responsive to the actual issue at hand. 

I then tried a phone call directly to Equifax, and after the excessive wait on hold, was subjected to an agent unable to deviate from his script. I may as well have been speaking XXXX. He asked me to hold for a supervisor then disconnected me. 

That brings us to this complaint. Equifax needs to follow Federal law regarding mortgage shopping and remove four redundant inquiries.