davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

On XX/XX/XXXX at XXXX, I received a voicemail from XXXX XXXX threatening to contact my job and speak with my supervisor regarding a case that was being filed through XXXX XXXX County courts. She also stated if I did not contact the company I would forfeit my legal rights. XXXX never identified herself as a debt collector or that it was an attempt to collect a debt. Instead she threatened to locate me if I did not get in touch with the legal department. 

I called the number that XXXX had left on my voicemail and spoke with an individual who again did not notify me that this was an attempt to collect a debt by a debt collector. The name of the company was never given to me and the individual I spoke with informed me if I didnt set up payment arrangements they would sue me for thousands of dollars for a {$270.00} debt. Out of fear I set up the arrangements immediately and was told that I would have to provide a debit or credit card to stop additional actions from being taken. I was told to contact the company in advance if anything needed to be changed for the XX/XX/XXXX and XX/XX/XXXX arrangements. 

On XX/XX/XXXX at XXXX I contacted the company to have the arrangement for XX/XX/XXXX split into 2 payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I was told that the company could only change the payment to XX/XX/XXXX. After informing the individual that I would not have enough money to cover the full payment on XX/XX/XXXX she informed me that the company would not change it beyond XX/XX/XXXX and does not cancel payment arrangements and that if I default on the arrangements I would be taken to court. I again asked to have the arrangements changed to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I was told that only legal counsel could approve that change. I requested to speak with legal counsel and immediately the call was disconnected. I called back three times and each time the call was disconnected. I called back a fourth time and someone answered, I again explained to her what I needed to do and was told again that they do not cancel arrangements after they are made. I asked to speak with a supervisor and the call was again disconnected.
Consumer complaint received 2024-10-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MS)

I sent a validation letter asking them to verify to me to see if I owed the debt on XX/XX/XXXX and they never responded back so on last week on Friday they sent me another notice via mail and someone else asking for money and I never did business with them at all they demanding money and I dont know who this company are.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I contacted XXXX 's credit department after receiving a letter indicating that my monthly statements were not being sent to my email. The letter prompted me to reach out to rectify the situation. I confirmed that my email address remained unchanged and was functioning properly. Despite this, I had not received any statements from XXXX. During the call, I explained my situation to an agent at XXXX, but when I attempted to verify my account, I encountered another issue : the security code needed for verification was not being sent to my registered phone number. 

After explaining this problem, I was transferred to several different departments throughout the call, but despite my efforts, the issue remained unresolved. No one was able to provide a solution to why both the email statements and security code verifications were failing, and by the end of the call, no progress had been made in fixing either issue. 

Later that evening, I received notifications from all three major credit bureaus informing me that I now had a balance on my XXXX credit account. This development immediately caused a decrease in my credit score, which was both unexpected and concerning. The sudden reporting of the balance on XX/XX/XXXX seemed out of place, as my billing cycle for this account is on XX/XX/XXXX, and my payment due date is on XX/XX/XXXX. This raised the question of how XXXX could have submitted my account balance information to the credit bureaus well before the normal reporting date, especially when I had reached out that same day due to communication issues. 

This sequence of events has caused significant confusion and frustration. Not only was I unable to resolve the issues with my account and the missing statements, but I am also now facing the added stress of a drop in my credit score, seemingly caused by a premature reporting of my account balance. Given the circumstances, I am seeking clarity and resolution regarding the premature reporting and ensuring that my account 's communication channelsemail and phone verificationare restored to proper functioning.
Consumer complaint received 2018-04-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2018-04-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX  XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Consumer complaint received 2018-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

In XXXX, XXXX, and XXXX I found out I was a victim of identity theft while serving in t he United States XXXX. In late XXXX I was XXXX and lost my belongings in storage. I tried to fight it in the past and even in the present but had no success. The accounts that I'm disputing are with XXXX and as such. 
1. XXXX XXXX Parial account # XXXX First reported XX/XX/XXXX and now is considered a charge off. Recent balance {$10000.00} written off {$7400.00} 2. AD Astra Recovery Service Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$300.00} 3.XXXX XXXXXXXX XXXX Partial account XXXX XXXX First reported in XX/XX/XXXX which is in collections. {$500.00} 4. XXXXXXXX XXXX XXXXXXXX Partial account # XXXX First reported XX/XX/XXXX which is in collections. {$99.00}
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

GLBA FTC SAFEGUARD NON-COMPLIANCE* I am filing a complaint against this company for non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). The company has failed to : *Provide me with required privacy notices outlining their information-sharing practices.

*Offer an opt-out option for sharing my personal information with nonaffiliated third parties.

*Demonstrate adequate security measures to protect my personal and financial information, as mandated by the Safeguards Rule. 
*Ensure proper identity verification, raising concerns about pretexting protection. 

I demand immediate action to stop any unlawful sharing or use of my information and a full account of how my data has been handled. Additionally, the company should provide proof of compliance with the Safeguards Rule and privacy notice requirements.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account ( XXXX XXXX XXXX XXXX XXXXXXXX ) that was in fact paid in time. the consumer reporting agencies need to report all information with complete accuracy. I do not agree with your response on XX/XX/XXXX, XXXX so therefore I am now requesting to reinvestigate and provide verifiable proof with records showing that I had late payments. If verifiable proof and information can not be verified I demand these payments be updated to paid on time immediately or the account be removed. This inaccuracy has affected my report gravely. Thank you kindly.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

I have been making payments on my credit card. When I would be charged a returned check fee more then three times. I would call my bank and the credit card company at the same time was told by my bank that there was no returned payments. Citibank would still not waive the the fee I continued to make payment but it accured again. So I closed the credit card.
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have made Electronic Funds transfer to my girlfriend using her mobile number in online banking. She did receive a text confirming she received the transfer but when she checked her bank account the money wasn't there. I have filled claims with Bank of America but customer rep said the money went to someone else and this person didn't agree to return the money. How is possible that her mobile number was used by someone else? She has the same mobile number for around 10 years. I understand that Bank of America should be checking if the mobile number is valid and if it has been setup by the owner to receive money. 

The first transfer was made on XX/XX/XXXX with amount of US {$1600.00} and second transfer on XX/XX/XXXX with amount of US {$500.00}. 

Claim numbers : XXXX XXXX Thank you
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Pacific Union Financial, LLC (IL)

XXXX XXXX, Promise us when we refinance the company will make the appraisal fee of {$450.00} free of charge. Promo offer. But they still charge us {$450.00}. We try to contact them but not reply its 3 months now and they sell our loan to another company
Consumer complaint received 2018-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

Fay Servicing Company is a sham. My account was sold to them back in XX/XX/XXXX I  believe, of XX/XX/XXXX. I turned XXXX on XX/XX/XXXX and received a letter from the tax office about my homestead exemption. I immediately sent proof to XXXX as requested. XXXX told me that my account would go down {$200.00} or more. I was glad as I am a single parent with a young child. My account was sold soon after, and Fay Servicing account manager gave me the figure of {$240.00} decrease. Therefore, I sent in the balance each month with the account manager saying they had to wait on the tax rolls. When the got the tax rolls, they continued to charge the full price, all the while sending me letters of foreclosure and several people came by my house placing embarrassing letters attached to my door. Certified letters were also sent, offering short sale. I the account manager over and over that I had no intention of letting Fay Servicing take my home. I had asked for help when they bought my account because I was one month behind. We decided on a modification all the while they threatened me foreclosure although I was sending the correct amount each month, I thought. In XX/XX/XXXX I was told the modification was denied because it had been too soon to receive another one. All the efforts that I had to put in and all the time I waited was a joke. So, in XX/XX/XXXX, I sent in {$1500.00}, but still got a demand letter and another person brought me a letter. I tried to pay more on the account, but they won't accept it and the account manager will not call me back. Also, they have an escrow overage that they kept telling me that was going to be sent, but I never received ( {$390.00} ). Other employees told me that my account manager had released the demand letter. I am also taking XXXX which I told the account manager and had to stop working.
Consumer complaint received 2024-10-07
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: Sezzle Inc. (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-07
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: Bread Financial Holdings, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2018-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (KS)

I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX  put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX  or any other kind of proof.
Consumer complaint received 2024-10-15
Product: Credit reporting 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear CFPB, Subject : Inability to Access Credit Report from Equifax Despite Multiple Attempts I am writing to formally lodge a complaint regarding my ongoing difficulties in accessing my credit report from Equifax. Despite having made numerous attempts via phone calls and submitting my personal identifying information as requested by Equifax, I am still unable to view my credit report. 

To date, I have contacted Equifax on multiple occasions, providing all necessary identification and following all procedures as instructed. However, each attempt has been unsuccessful, and I have received no satisfactory explanation as to why I am unable to access this important information. 

My efforts to resolve this issue directly with Equifax have been met with continued delays and lack of clarity. As a result, I am seeking your assistance in ensuring that Equifax fulfills its obligation to provide me with access to my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

I would appreciate it if the CFPB could look into this matter and take the necessary steps to facilitate a resolution. I am also requesting guidance on any additional actions I can take to protect my rights and obtain my credit report. 

Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you require further details or documentation regarding my attempts to access my report. 

Enclosed two forms of identification Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm not sure exactly when I discovered that may Equifax credit file is basically blank. Showing only one account in my history and no current accounts at all. I have requested my credit report from Equifax several times through XXXX   but always received information back that my information didn't match so I needed to send in proof. I started using XXXX  XXXX XX/XX/XXXX to start trying to figure out what was going on with my credit. I have been a victim of identity theft and wanted a way to try and monitor credit on my own without paying a cost. This is when I saw that my address of Equifax is a Texas address that I did live at but over 10 years ago. The address is showing as current. So this is the reason I believe that my credit file is blank because the address is showing Texas but I live in NC. From XX/XX/XXXX-XX/XX/XXXX I have sent documentation to Equifax but always received information back that I needed to send in the same information proving my address. I had done this several time. I got frustrated and decided just to not care and hope it would get fixed. 

XX/XX/XXXX I decided to try a different approach. This time I sent the request to update my address certified mail. I received a document from Equifax that was dated XX/XX/XXXX that my address was updated based on the documentation I provided. As of today XX/XX/XXXX my address on XXXX XXXX for Equifax still has the old Texas address. I was apart of Equifax breach and have access to free credit reports through Equifax also. My address on TrustedID Premier provided by Equifax is still showing the old Texas address. 

I emailed Equifax on XX/XX/XXXX and asked why the address had not been updated based on the letter dated XX/XX/XXXX saying it would be updated. The response was to call and speak with a representative. Calling provides me no way to document what is going on. It allows Equifax to continue to give me the runaround. 

I would like my credit report updated to show my current address not a address from over 13 years ago. This shouldn't be a process that takes years to correct.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc. (IL)

In Money Lion ( XXXX XXXX ) advertisements, when an account was opened and at least two direct deposits of 100 dollars were made separately, they were supposed to give a total of 55 dollars for opening an account under the name of 5 dollars referral bonus for 50 dollars direct deposit. However, only 5 dollars was paid to me under the name of referral bonus. My {$50.00} bonus payment did not materialize. The proof that I registered for this program with a referral code is the {$5.00} bonus payment made to me. 

My direct deposit dates : XX/XX/year> {$100.00} XX/XX/year> XXXX dollars
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Consumer Name ( XXXX XXXX XXXX ) XXXX Social Security Number. ( XXXX ) Consumer Date of birth ( XXXX ) looked at my Full Experian credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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