davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (FL)

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with XXXX family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back My account is overdraft and its because I can not afford to do anything at this time .I am asking the company to forgive me and clear the debt please.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NM)

My problems and issue began immediately after my closing date. Rocket Mortgage along with my home owners insurance, XXXX, set my mortgage payments and escrow. Eight months after making payments, rocket mortgage ran an escrow analysis claiming I had a shortage of {$1800.00}. After further investigation, I found that my home insurance increased {$20.00} per month, however there was no change to my property taxes. 
I fought this escrow claim and asked Rocket Mortgage to look into it, they claimed everything looked well in their system. To date I paid between $ XXXX {$3200.00} to rocket mortgage and they refuse to assist with this matter. I canceled my insurance through XXXX as they were not helpful. I tried resolving with a supervisor from Rocket Mortgage and this person gave me the same answer and refused to look into my paperwork and/or documentation history.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MN)

XXXX was to process credit cards for a 2 percent fee was never granted access to withdraw funds from account. no other fees were to be charged closed buisness on XXXX account was only used for deposits of social security. deposit records show this.branch bank did not address change to mailing address so was not aware of unauthorised withdraws till XXXX. so monies from social security were taken i nave received no court orders to allow funds to be taken from account
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (NC)

I filed a complaint here using this service a few day ago and the company Rent recovery solutions responded quickly with the statement essentially saying they had ordered my credit file they reported wrong be removed from the credit bureaus but thus far it has not been done. 

This company is known for violations and will unlikely obey the law Ive learned through research. 

Please begin a new complaint with regards to rent recovery and XXXX XXXX XXXX, and please make note that rent recovery solutions should be held in contempt. 

Im including the file Pic if there submission.
Consumer complaint received 2022-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

I called on XXXX to request a refund of my payments made during the COVID pause. I had requested information be sent to me after the call. No information was sent to me. 

The agent processed the refund request for {$4100.00} and stated it would be re-added to my account in a few weeks, " by XXXX. '' I received no confirmation on the refund process being initiated or in progress. 

I waited until today, XX/XX/21 and called again. 

The agent I spoke with stated my refund was being processed, but that there is no timeline. This information conflicts with my previous interaction. 

There has been no amount change to my balance.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On Friday, XX/XX/XXXX, I was the victim of telephone fraud. I was emotionally abused and harassed by someone pretending to be XXXX XXXX XXXX who told me if I did not pay the fines over the phone I would be arrested. I was harassed on the phone for hours by multiple people and finally paid the first set of supposed fines of {$2100.00} via Venmo per the scammer 's instruction. I shortly thereafter realized it was a scam and reached out to Venmo immediately to cancel the payment. The representative I spoke with confirmed that the payment went through on their end but instructed me to call my bank and cancel payment. I was concerned that this would not be sufficient since the payment was already made to the individual scamming me and that Venmo would try to come after the payment. They assured me that the best course of action was to cancel payment with my bank immediately since it was a scam and that they would not try and collect the funds from me. I spoke with my bank and they were able to stop the payment. Venmo then reached out to me again on XX/XX/XXXX saying that I owed the payment of {$2100.00} or my account would be taken to collections. I spent hours on the phone with Venmo regarding this with no resolution. It seems as if Venmo is now disregarding their own instructions ( attached in writing ) and instructing that I pay the funds otherwise I will be sent to collections. I believe Venmo should be working directly with the scammer ( since they have their phone number, name and probably some bank details registered with Venmo ). I was then transferred to a Account Specialist via email, you are unable to speak with the Specialists who review these issues over the phone. The Account Specialist continues to tell me to pay the funds to unfreeze my account but completely disregarded their prior instructions and seems to not take into account that this payment was made under fraudulent circumstances. I provided a police report number but they seem to have no interest in it.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Title loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

XXXX XXXX TYPE misellaneous 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 2022-08-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22, XXXX XXXX XXXX XXXX for XXXX XXXX closed a savings account, # XXXX, where XXXX was primary account owner. The account had {$77000.00} in it and XXXX XXXX, XXXX XXXX, informed XXXX that a cashier 's check would be issued to the XXXX, XXXX, location at XXXX XXXX  XXXX XXXX XXXX XXXX Ca, XXXX, once the savings account reached the top of the queue and processed within 10 -15 business days. XXXX reassured XXXX that that account was in transition to close and that no one could make further transactions on the account. 

However, on XXXX, XXXX XXXX XXXX a secondary account holder was able to make two transactions on the savings account, despite reassurance from XXXX. XXXX contacted the phone bank and transferred {$2000.00} from the savings account. XXXX told the phone banker that the account had been stolen. The phone banker did not read the various case file account notes regarding the primary account holder closing the savings account. XXXX instructed the phone banker to send the cashier 's check to his address in XXXX XXXX, Ca. 

On XX/XX/22, XXXX was informed by XXXX that she could not stop the cashier 's check from going out and being cashed by XXXX and that there was nothing she could do. She stated that the cashier 's check could not be frozen, retracted or flagged to prevent it from being cashed. XXXX stated that XXXX needed to hire an attorney to recoup the money.
Consumer complaint received 2022-07-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account Bank XXXX XXXX # XXXX, Account Bank XXXX XXXX Account XXXX XXXX, Account XXXX Bank XXXX XXXX XXXX XXXX, Account XXXX Bank # XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-11
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: Self Financial Inc. (AL)

I have reached out to Self company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
Consumer complaint received 2022-07-30
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. (SC)

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 Mortgage Companies - Credit Union In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-07
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. (AR)

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. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reportina agencv if the knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

o Whom it May Concern, My name isXXXX XXXX, the last four of my Social Security number isXXXX. 

This letter is to formally inform you that I recently received a copy of my consumer report that your company publishes.My Consumer Number : XXXX and Case Number : XXXX. After areview of my consumer report, I found an item that is inaccurate. The account in question is a BANKRUPTCY. Listed under BANKRUPTCY FILING # XXXX, Bankruptcy Court Details : XXXX XXXX XXXX. Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the bankruptcy. I have contacted the court listed on my consumer file and the court informed that they do not have a record of bankruptcy under my name, full social security number and date of birth They informed methat they do not send any information for anyone bankruptcy to LEXISNEXIS and that you may have got information from XXXX in which it is not complete per the bankruptcy court. Lastly, I did not file a bankruptcy so please explain how you got this information. I would think before you list adverse information on my consumer report you would verify that you have the complete personal information of a consumer, that includes full social security name, full correct name, address and date of birth. I want you to remove this bankruptcy that do not belong to me from my consumer report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated report along with the investigation results.
Consumer complaint received 2020-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

There was one missed payment and they charged an additional {$60.00} Fee on Top, and told me that I had better come up with {$300.00} otherwise it was going to collection. I borrowed {$700.00} and wasnt told up front that it was 480 % interest!
Consumer complaint received 2022-07-30
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. (AZ)

I have been trying since XX/XX/XXXX to get access to my Equifax credit score. I was trying to finance a car and was made aware my Equifax was frozen or locked. I have never locked my credit score or put a freeze. I was unable to log in and called customer service. They informed me I would need to mail in a cover letter with my issue, along with a copy of my ID and a copy of my SSN. I mailed it to XXXX XXXX XXXX XXXX XXXX. I got a response stating they could not verify my identity and I needed to mail in additional documentation ; which I did! From then, no response. I called and they attempted to help me but couldnt resolve the issue. I was told over the phone they would get back to me within 72 hour business days. Never heard back. I again followed up and I was told I needed to resubmit documentation, as they do not have my initial documents anymore, they dont keep them longer than 60 days. So AGAIN, I re submitted documentation in XXXX of XXXX, and AGAIN no response. I followed up within 14 business days as I was advised and they again and again never received my documentation per customer service. I even faxed my paperwork to them hoping it would be quicker, and again no response. XXXX XXXX I was advised to AGAIN fax my paperwork to Equifax per customer service.The fax # I was provided was ( XXXX ) XXXX. As of current Equifax still claims they have received NOTHING. I am EXTREMELY frustrated with the lack of service from this company! It is ruining my life, I am trying to buy a house and I CAN NOT! Because I can not even log in to fix this freeze or lock on my report! I can not even view what my score is!
Consumer complaint received 2022-10-08
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. (TX)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

On XX/XX/2017 There was a cash advance in the amount of {$4500.00} taken from my credit card without authorization or without my presence of being there. The location where it was taken was US bank off XXXX XXXX XXXX in XXXX ca
Consumer complaint received 2022-07-30
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. (IL)

I sent off a letter letting the credit bureaus know that they have 5 days to respond to my letter with all the information that I asked for them to give me. It has been longer than 5 days, it's almost been two weeks. I just need this account removed from my credit report because they are violating my human rights according to the fair credit reporting act and have been harassing me for the last couple of years and I want {$1000.00} per violation. I already sent documents proven how they have violated my rights and they have yet to respond in the time they were supposed to. PLEASE DELTE THE ACCOUNT. Attached documents below show proof how the violated my rights and along with the letter I sent via certified mail and still got no response.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: MoneyLion Inc. (WI)

I got an email fromMoneyLion stating I opened a debit card account and it is now active. I have never used this service, and they dont have a customer contact phone number for fraud. I was trying to get someone on the phone, however, they do not have the opportunity to do anything except over email. This is the second time Ive had an issue with MoneyLion and the first time they told me this wouldnt happen again. I also have the inability to get XXXX due to a credit report run from XXXX and also XXXX XXXX wont let XXXX XXXX an account due to Fraud I never did. My friend told me to report all of this to you even though the MoneyLion is the only active problem. I was able to close the other accounts and fraud, however, I shouldnt have any of these problems because it wasnt me who did the actions listed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) 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
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened an account back in XX/XX/2019. I signed up for a promotion and was advised that after 5 months I would receive {$100.00} if I referred someone. I referred my Uncle who shares the same last name as me. I never received the referral bonus and I filed a complaint and they advised me that the local bank did not code my account correctly in order to get the bonus. The local bank advised that they are still working on it.
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 at XXXX I tried to deposit {$1500.00} to my account at the Chase bank branch ( XXXX XXXX XXXX XXXX ) in New York XXXX only to have the ATM machine come up AFTER I put in the money with an error messaging saying it cant accept any cash deposits now with a receipt ( which I still have ) with a number on it to call them to check if the deposit went through ( which did not ). When I addressed this to the security guard behind me, she told me to address a banker inside. The relationship banker ( XXXX XXXX, I still have her card ) said that she has filed a complaint to the claims department, and that I should get back my funds as fast as the next day, but could take up to 10 days. When I called the bank a few days later to check up on the process, I had an employee/banker tell me to never call this number again because there is nothing they can do on their hand until the 10 days are through. And after 10 days has passed I got a letter saying that no changes were made to my account after the investigation went through furious and confused, I called the bank again and they told me that they werent giving back the funds because they couldnt located the funds. When I have the receipt and reports of the claim that Ive deposited {$1500.00}, and the money is missing from MY account, how could they NOT locate the funds? They told me that they believed me but there was no proof that I deposited the amount. After speaking to XXXX and XXXX, I FAXED them the receipt and the name card of the relationship banker who originally filed the complaint for me, as they asked me to because they dont provide any email addresses for customers. The bank told me that theyd give me a call first after the fax was sent but I never received a call in which I had to call them again to check if the fax went through ( it did ). When I asked them to look at the security footage of the exact time I was there -for proof that in fact I was there to deposit my money- the bank told me thats not possible. I have even emailed the sheriff of NYPD to see if its possible to get the security footage for the proof. I am still waiting on the banks call as they told me they would after they sent new notes to the investigation team and they would contact me directly when I mentioned I think there is some kind of fraud of theft involved regarding the ATM machines.