davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (MD)

Ive been trying to get my late payments removed from my XXXX, XXXX, XXXX and XXXX XXXX Advantage cards for months. I keep getting the run around and my score keeps suffering from this misuse. Its getting bad to the point that this is impacting my JOB ; my employment status. Guess what, no job, no one gets money because I would have to file bankruptcy.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (NJ)

Bank Name : MoneyLion / XXXX XXXX XXXX Bank Address : XXXX XXXX XXXX, XXXX, Iowa XXXX Account Type : Checking Routing Number : XXXX I was targeted by MoneyLion via a digital ad to sign up for a new Checking and Investment account with them associated with a 'Pave the Wage ' program. 

Here is a link to program ad : https : //www.moneylion.com/learn/doing-our-part-to-pave-the-wage/ Get 17 % extra pay up to {$590.00} Women typically earn 17 % less than men*, and were helping to close the gap by giving you a 17 % cash bonus up to {$590.00} on your first direct deposit. 

To take part, check your email and MoneyLion app for an opt-in message and set up direct deposit of $ 500+ into your MoneyLion Checking Account. 

On XXXX XXXX 2019 I downloaded app, signed up for accounts on and opted into the promotion when prompted in the app by clicking the offer. 

I then immediately set up Direct Deposit following directions provided within the app and online and starting receiving bi-weekly paychecks to my Money Lion account ending in x XXXX as follows :XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19 : XXXX Further, I called their phone support # XXXX on XXXX XXXX, 2019 at XXXX ET and spoke with a rep who assured me that my account was set up correctly, that I was enrolled in the Pave the Wage promotion and that my paycheck direct deposit was completed. I requested he send me a record of the conversation in writing, however that did not happen. He told me that I should expect to see the bonus post without issue to my account per the terms of the offer. 

Now 5 months after my first successful direct deposit I have not received the promised bonus payment. I again called MoneyLion phone support today ( XX/XX/2019 ). 

The first rep said I was not on the enrolled account list ( despite what the rep on XX/XX/XXXX ) told me and that I was ineligible unless I could send them an email confirmation of my opt in from when I signed up. I told her that I could not send a confirmation as I never received one within the app and did not have access to emails from that far back ( I had to delete to make space ) I called back again on XX/XX/XXXX and spoke to another rep. Who after being notified of the call on XX/XX/XXXX told me that I was ineligible for the offer due to confidential reasons and would not tell me why I did not qualify. I cited the program terms as I understood them per the URL above that is enrollment in app via digital opt in to offer, repeated direct deposits to new account, and rep could not tell me why I specifically didn't qualify despite my understanding that I followed all rules and directions as stated, just that I wasn't on the list. I asked to speak to a supervision and rep said that would do me no good and did not allow me to escalate.
Consumer complaint received 2024-10-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc. (FL)

Ive asked for my credit to be disputed for unlawful practices. My debt occurred in Florida but the company does not have a Florida license to collect my debt. Ive emailed them and constantly do to get them to take this off my credit for unlawful practices.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2024-01-24
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: SECURITY FINANCE CORP (TX)

I am writing in response to the ongoing matter related to CFPB complaint number XXXX regarding my concerns with Security Finance XXXX 

Upon receipt of the documentation provided by Security Finance, it has become apparent that there are significant discrepancies between the alleged balance reported for account XXXX and the information contained in the paperwork sent to me. The balance on my credit report does not align with the documentation, raising further concerns about the accuracy of the reported information. 

Additionally, I would like to emphasize that, based on the statute of limitations in the state of Texas, this debt has been deemed uncollectible since XXXX Therefore, the continued reporting of this debt is not only inaccurate but also in violation of the Fair Credit Reporting Act ( FCRA ). 

Given the substantial discrepancies and potential FCRA violations, I must insist on the removal of this account within the next 7 days. I have attempted to address and rectify this situation, but the disparities persist. 

To provide clarity and evidence, I will be attaching my credit report to this communication, highlighting the inconsistency in the reported balance and supporting the claim that this debt is, indeed, uncollectible. 

I trust that your prompt attention to this matter will lead to a swift resolution. However, if the account is not removed within the specified timeframe, I regrettably inform you that I will have no choice but to pursue legal action to seek both compensation and justice for the violations incurred. It is public knowledge that Security Finance has been involved in numerous lawsuits related to failing to truthfully report to the credit reporting agencies payments made by consumers, accurate account balances, or consumer disputes of false reporting. The credit bureau furnishing this incorrect information will also be included in the lawsuit.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I am not exactly sure if I have chosen the correct category, however I have been a victim of fraud in which I have explained to my bank. I received a phone call to change my banking information and I also believe that my card may have been cloned by a fraudster. Monies were deposited into an account that I rarely use. I mostly use it for convenience of depositing paying bills, transfers, gas, and some food transactions. I filed a dispute after monies were unknowingly deposited and withdrawn from my account. Wells Fargo Financial Bank has denied my claim, stating that this was made by me or someone near me and that is totally false. I can not afford to pay over XXXX for this and I do not want to lose my account due to unpaid fees.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NY)

I purchased a home and the closing date was XXXX. I was given 2 temporary payment coupons to use until my account was finalized. I sent a check on XX/XX/XXXX for my XX/XX/XXXX payment. The check did not clear and my mortgage was transferred to XXXXXXXX XXXX. I was forced to make another payment to XXXXXXXX XXXX  so I would not be in default. That payment was made online on XX/XX/2021. THEN the check cleared from my original lender ( Guaranteed Rate ). That payment was not forwarded to XXXXXXXX XXXX  and now I am owed one months payment. I have made all payments to XXXX XXXX since then- on time. I have called Guaranteed Rate customer service over ten times. With long hold times and multiple call transfers.. I even had a conference call with XXXX and Guaranteed Rate on XXXX. The result of which was : " payment transfers can take a long time ''. 
I can, and will, provide all documentation and notes from ALL of my calls.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am contacting Equifax in regards to the recent response to my CFPB Complaint XXXX XXXXXXXX. Again, Equifax has not properly provided verification of method of verification. A data furnisher is not sufficient to confirm/verify. This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Equifax to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ghidotti | Berger LLP (CA)

Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ive been working for a very long time with XXXX XXXX XXXX XXXX  ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Approximately one month ago US Bank personnel embezzled, converted or otherwise unlawfully exercised dominion and control over, the complainants checking account as an unappointed fiduciary, overdrafting {XXXX}. 
Without the complainants consent, said personnel then tendered that amount to the XXXX XXXX  XXXX and thereafter imposed overdraft penalties on the complainants account in the amount of {XXXX}. 
Notwithstanding, the complainant recently deposited money into [ his ] checking account, whereat which time US Bank personnel excised the overdraft penalty fees fraudulently manufactured by them. 
Since then, the complainant has been reluctant to deposit any more funds onto [ his ] checking account, due to these unfettered actions, and the lack of procedural safeguards associated therewith. 
Nevertheless, through recorded conversations between the companies and the complainant it was determined that funds would be redeposited onto the complainants checking account and the overdraft penalties remitted.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX is charging me for a canceled card as of XX/XX/2020, then they added a late fee totaling {$64.00} and their deception cost me 13 points on my credit score to this point. 

Trying to communicate to them the card doesnt exists is like talking to a wall! 

Please help me make them go away!!!!! 

P.S. I did not get bills in the mail over this period of time either Thank you, XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

Chase Explorer Card was billed with a wrong charge for the amount exceeding {$2700.00}. Chase, when contacted, supposedly reversed charges. The reversal appeared in line charges but was not reflected in the statement total. Chase, when contacted again, supposedly made the same adjustment but the problem still persists. To top this, now they have added interest charges to the statement. I have spoken with regular customer support as well as their Fraud Prevention Department and they still continue with adding the charges to the total but not  showing on line charges. This can be easily be missed if one was going to trust Chase and not take time and verify charges on the statement. I feel that after having given multiple opportunities to Chase, continuing to see this charge is an intentional fraudulent practice by Chase and Chase need to be investigated for such practices and brought to justice.
Consumer complaint received 2019-07-19
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: DriveTime (GA)

section 609 of the fcra states that there must be written consent from the individual for a hard credit pull ive noticed several in which i gave absolutely no authorization also usc 1681 states the same where there is no signature this is an unlawful act and is subject to punishment in a court of law there are several that im completely unaware of
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (HI)

Loan was for 72 months they are still saying I owe over a year of payments I have been paying consistently and I believe they are over charging my account for more than what was agreed. Loan taken in XX/XX/XXXX and my last payment should be XX/XX/XXXX but payment is showing it will not close until XX/XX/XXXX I want them to please look over payments and close my account XX/XX/XXXX that is the date of last payment due! They need to re-evaluate my payments made and look at whats been collected