davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
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. (MI)

I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM XXXX  AND XXXX. EQUIFAX REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENEDXX/XX/XXXX

XXXX XXXX
$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX  XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-10-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (MO)

We started our Title loan in XX/XX/XXXX for around {$2600.00} we told them we would have the {$2600.00} to payoff in XX/XX/XXXX they said ok that would work, while making {$410.00} payments a month which we agreed to. XX/XX/XXXX came and I called in to pay off the amount we borrowed and they advised me I would need to pay {$3400.00}, that was not what was agreed especially since we were making payments too. They said sorry that is what is due so we've still continued to pay the {$410.00} a month and this summer XX/XX/XXXX I called to see payoff amount and it was even more, how is that possible when I have been making payments I have paid {$3700.00} so far on a {$2600.00} title loan and I am told that the payoff amount will continue to go up. I was never told any of this when we signed the paperwork or I would have NEVER gotten this loan.
Consumer complaint received 2021-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (CA)

Capio Partner communicated in a letter they sent me through the mail with intent to extort money from me by using interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce me into paying them money through the mail. They claimed they purchased this alleged debt from XXXX XXXX and has been contracted to collect by XXXX XXXX XXXX.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

In report no. XXXX, Equifax deleted what was n't mine, XXXX filings by stating they entity has a different address, but the same case number, then relisted the deleted items with the same case number as under investigation. On XX/XX/2017, Equifax produced a report that stated the items wasnt deleted, they werent excluded or removed with the non-existent address baring the same case number, and once again relisted the XXXX filings as if they were under investigation but the false statement in the XX/XX/2017 is different then the statement of removal in the report XXXX, which said the following : & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2016-07-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I cashed in a CD XXXX XXXX in the amount of {$2400.00} and USAA said they would send the money to my XXXX on the XXXX. it never got there. I have been calling USAA and now they said is was not sent until the XXXX.. To day is the XXXX. and still nothing in XXXX account. I asked for interest on the money and they said they could not because I do not have a account there. All I get is the run around from USAA. They keep sending me from one person to another with no results
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have attempt to call in and have also sent in 5 letters to your company with all required documents to remove my FRAUD ALERT permanently but you guys have failed to remove it. I am getting exhausted and demand you guys to remove it immediately!
Consumer complaint received 2020-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (UT)

AFNI is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this account on my file. I never received any phone calls or letters in the mail regarding this debt. As soon as I found out I called and paid it. AFNI stated that they would delete this account and send me a deletion letter and I have not received anything.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (FL)

ID THEFT FTC case XXXX & Equifax data breach. Unable to conect by phone on XX/XX/2020 I emailed XXXX REQUESTING XXXX ACCESS TO NO AVAIL. XX/XX/2020 equifax emailed me my dispute was completed to go on line for results. My complaint is that equifax is NOT ACCESSIBLE TO ME WITH MY XXXX XXXX   XXXX. My XXXX  can not press the exact right spot to NOT BE A ROBOT. SO CALL ME A ROBOT! I am unable to set up password also. NO EQUIFAX SCREENREADER OR VERBAL SPEAK PROMPS WHEN OUTSIDE APP NO SET UP ACCESS. Password requires a special sign, upper case, lower case, number MY XXXX  CAN NOT DO THIS PHYSICALLY. ( EQUIFAX IS NOT XXXX ACCESSIBLE. ) I am a victim FTC case XXXX Ideninty Theft XXXX XXXX year old Targeted Consumer with NO ACCESS AND I AM DENIED WHAT THE REST OF THE WORLD IS PROVIDED DUE TO MY XXXX.
Consumer complaint received 2019-10-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I obtained my loans while I was a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I was paying them back, but then in XX/XX/XXXX I was convicted of a XXXX. I lost my job and many sources of income. For the next 14 years, Sallie Mae ( now Navient ) gave me forbearance after forbearance knowing full well that I would never be able to pay them back. I even told one of the representatives that I knew what they were doing ... they were giving me forbearance 's so they could stick many more late fees, penalties and more, on me for the taxpayers to pay when they finally couldn't do it anymore. My other loan from HEAL was taken to court and they obtained a judgement against me ... this was back in XX/XX/XXXX. 
I just wanted you to know, because I saw that you are suing Navient for doing this same thing to me. I am a victim in this case.
Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (AL)

Ihave been tocourt and also Federal Court regarding my home beginning with XXXX XXXX and XXXX XXXX XXXX Mortgage forclosed on me in XXXX, a fake signature was on the transfer of the loan and I sued and got my home back. While trying to pay XXXX after the recinsion, they contacted me to tell me they did not have my home. I ended up with a collection company, XXXX XXXX, XXXX, and was harrassed an demanding for all back pay.. went back to court and they settled. Got sold again to Selene Finance who I went before a Federal Judge with in XXXX  AL in XXXX.. I was ordered back into the Mortgage and went into a trial pay period of 3 months. I recieved the paperwork that XXXX, and I begin to pay the Mortgage, but I did not sign the paperwork, because it was worded incorrectly. I paid all 3 months and they would not cash any of my Cashier Checks. They silently forclosed on me only with a notice in the paper, would not answer any questions and I mailed a certfied letter to XXXX Texas regarding proving that they owned my home. No answer. I was forclosed on in XX/XX/XXXX. I am still in my home, but I want to know who has my home and why did they not abide by the Federal Judge orders? XXXX Mortgage will not answer neither. I know I am securitized, but no one will comment. Please help me. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-28
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. (AL)

THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # XXXX
Consumer complaint received 2021-09-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX I sent a XXXX dollar payment to my Paypal credit account. Unexpectedly a great portion of these funds were applied to a " XXXX equal payment purchase '' rather then to my purchases which had either interest or deferred interest. I have called, chatted and emailed with PayPal to attempt to reallocate the payment, but this has not been done despite assurances that it would be completed.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (RI)

I had a mortgage with JP Morgan Chase Bank. On XX/XX/2020 the mortgage was sold to XXXX XXXX. I feel that my mortgage should not have been sold during the Covid19 quarantine. I had no way to refinance with another company as I do not want my mortgage with an inferior company that charges fees to pay your mortgage online or by phone, which is what I have done for years with Chase. I was also in the middle of refinancing with chase for a lower interest rate. I am filing a complaint against Chase for the following reasons. 

*Selling my mortgage during a pandemic where I am left no choice but to comply due to the fact that I can not walk into a bank and apply for a refinance. So, now I am stuck with a company that has a XXXX star rating. 

*Transferring the mortgage to a company that clearly has a bad reputation with regards to fraud and poor customer service ( see XXXX   XXXX XXXX groups, and class-action lawsuits ) Transferring the mortgage company that charges fees for electronic transactions, phone pay.. ( I even called them and they would not wave the fees ) Selling my mortgage while I was trying to refinance at a lower interest rate with them. ( I had already started the application process ) If the original agreement in the loan says that they can sell the mortgage at any time, It should be to a reputable company with good service. I feel that I am a victim of another company that takes advantage of people, especially during these hard times with the current pandemic. It should not have been done.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (DC)

On XX/XX/2016 ( XXXX after XXXX ) my two-month old 2016 XXXX caught fire while I was driving it in XXXX, where I live. Some by-standers came to my aide and together we were able extinguish the flames before the fire department and police arrived on the scene. The car was drivable because we acted so quickly, but I filed a claim with my insurance provider, XXXX and had it towed back to the dealer where it has been since then. XXXX fire investigator inspected the vehicle and, I was told, found it to have caught fire from a manufacturer 's issue. The dealer and Chrysler XXXX are both expecting me to not only keep up my lease payments, but also take the car back as if potentially losing my life from it, was n't bad enough. I have told both XXXX XXXX in XXXX, my dealer and Chrylser XXXX that given the circumstances that I can not reasonable speaking get back into that car or any other XXXX vehicle. My XXXX daughter was in the car the day before and the whole incident has really shaken me up and has me scared for my well-being and the well-being of my family. They were expecting me to make a lease payment this month on the XXXX ( XX/XX/2016 ) but I did not as they are still in possession of the vehicle and I am not planning to take that back. I am very concerned with everything else that has happened that this could damage my credit that I have worked very hard to maintain and my wife and I are planning to purchase a home next year. Please help me as nay help would be greatly appreciated!
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

( Note : This is copy and pasted from the report I filed against PayPal on XXXX ) On XX/XX/2021, PayPal put a sudden and unwarranted permanent limit on my personal PayPal account after receiving a small payment for buying another coworker lunch. I then spoke to XXXX, an employee of PayPal, to try to resolve the problem. He had me submit my Drivers License to prove my identity. However, after waiting the 3-5 business days to have the problem solved, nothing changed. After calling them again on XX/XX/2021, I was then told that my account is now permanently limited due to " high risk '', preventing my from accessing the funds on my account. They explained that their internal system automatically did this and offered no explanation about how I broke the agreements between me and PayPal that caused this action. 

Later in XXXX, I tried calling them again but I think they have black listed my number. I keep getting hung up on after the system tells me about the call being recorded. I also tried calling them through the account cancellation line, but I have been on hold with no one to talk to me for over 12 minutes. Usually, I get an offer to press 1 and have them call me when it's my turn, but I didn't even get that message. The calls that prove my claim are attached to the message as an " XXXX '' sound file. 

On XX/XX/2021, I messaged them on XXXX to try and resolve it from there. Like they said while on the phone in XXXX, they said the account was permanently limited after a review and offered no answer why. They insisted that the decision will not be reversed. 

I want to have my account back as their actions are a breach of the contracts between us since they refuse to provide proof that I have violated any agreement. The reference ID for the permanent limit in question is XXXX.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (NC)

XX/XX/2021 I received an email from XXXX stating you recently authorized XXXX to obtain consumer reports and/or investigative consumer reports about you from Checkr, Inc. , a consumer report agency. A final decision has not been made, however the company is considering taking action in whole or in part based on information in such report ( XXXX ), including the following specific items identified in the report prepared by XXXX, XXXX : LICENSE STATUS : SUSPENDED. Now I never gave my consent for Checkr , Inc to report anything on my behalf. That is a violation of my privacy as well as my well being. Checkr , Inc did not mail me any written notice this would be taking place. Not to mention, Checkr , Inc. did not interview anyone pursuant to 15 USC 1681a ( e ) investigative consumer report. XX/XX/2021 I received another email from XXXX stating, We previously informed you that the consumer reports and/or investigative consumer reports you authorized XXXX ( XXXX XXXX ) to obtain about you contained information that could adversely affect your eligibility for engagement with XXXX  XXXX. After careful consideration, we regret to inform you that XXXX is unable to engage your services ( if you are a new candidate ) or continue to engage your services ( if you are an existing delivery partner ). This decision was based in whole or in part on information contained the consumer reports and/or investigative consumer reports obtained from Checkr, Inc. , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , CA XXXX, XXXX. '' The fact Checkr , Inc. reported to XXXX without my consent and inaccurate information, has caused me damages. XXXX fired me. My well being is suffering because Checkr , Inc. decided to provide an inaccurate report without my consent as well as not provide personal interviews with my neighbors, friends, or associates or with other whom I am acquainted with. I never got any notice this would take place. Those are all violations and I am seeking monetary relief. The damages has been done.
Consumer complaint received 2022-05-17
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: Uplift, Inc (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a loan account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-27
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. (GA)

I have 6 XXXX student loans on my file ( Account numbers XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ). These loans are reporting 1 90 day late for XXXX of 2019. This is incorrect. I have disputed this with all three bureaus and they left it on the file. 

On XX/XX/XXXX, I spoke to Operator XXXX ( employee number XXXX ) with XXXX. He advised that indeed the accounts were not 90 days late in XXXX. But he could not remove them as XXXX does not allow it. 

On XX/XX/XXXX I spoke to operator XXXX ( employee number XXXX ) with XXXX. I explained to him that I was in school up until the end of XXXX of 2019 and therefore could not be 90 days delinquent in XXXX as I would not be required to make payments UNTIL XXXX. He indicated that his records show I was enrolled but that the school had not provided that I was in classes after XX/XX/2019. I was indeed in classes but simply changed my course of study after that date. 

The college in this case is located in XXXX  XXXX  XXXX and is closed down due to the pandemic. Neither XXXX, nor I could get the copies of the record of my classes that I DID TAKE DURING THAT TIME. XXXX explained that I could file a challenge that would take ONE YEAR before a resolution is reached. I have been denied a mortgage as a result of this error by XXXX. 

I am a XXXX  on the front line of this pandemic. The breakdown of communication between the college in XXXX and XXXX should NOT be falling on my shoulders. XXXX needs to remove this delinquency from XXXX until THEY work out their communication problems. 

The FCRA section 605 requires that XXXX provide the accurate status of my loan to the credit bureaus. 611 requires that, after disputes, the credit bureaus update that current status of these loans or delete them. Investigation proves that XXXX does not have access to the current status due to this pandemic.
Consumer complaint received 2016-12-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (PA)

I went into sears and purchased a refrigerator and financed it through their credit card, and never got a statement, and also now was reported past due with the credit bureau. I am a XXXX and was treated with distain and like a criminal. I was interrupted many times as I was trying to talk and one person I talked to, XXXX at either sears or Citi bank said that if I make the XXXX dollars that would be fine, she would correct my credit bureau and also make sure all charges were taken off the account,, Then on Saturday I was called by Citi bank and said I was past due. I got a chance to call them today thinking it would take time to correct all the above to find out that nothing is corrected and that I still am past due. I paid the amount ( XXXX ) immediately and now am contacting you. I assume that nothing will be done and I will hear nothing from Citi Bank or sears, but I know my collection department does what we say will do.. and they should too. 

XXXX XXXX Phone : XXXX | Fax : XXXX XXXX
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

Paypal has decided to limit by account. They have sent many messages stating that they might " steal '' my money claiming they are damages to their company. Also in the same message they are stating that after 180 days they will release my money. This is a contradiction. it has already been over 150 days since my account was limited. If there were any " real '' damages, paypal would have had to time to show proof of this. Since the full amount of my funds are still in my account in the amount of {$1900.00} USD, Paypal can clearly see that there have been zero damages to their business. All items have been sent on time to my XXXX buyers. All my products are legal and I have invoice for each of them from my ebay sales from XX/XX/2020. I am requesting the funds be made available for withdrawal as there is no purpose of Paypal holding these funds any longer, other than for Paypal to " gain interest '' investing my money which they should not have the right to do, considering all my sales are from fully legal products, which I can prove. Paypal blocked any way of communicating with them after they limited my account and I have sent repeated emails asking the date I would be able to withdraw my funds with no response from them.