davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under my personal credit card account. This account have resulted in an fraudulent hard inquiries appearing on my consumer credit report. I've attached a list of the hard inquiry in question as well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the hard inquiry as reported. The hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. This hard inquiries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Report Number XXXX as proof from the US Federal Trade Commission the hard inquiries which is the result of identity theft and fraud.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (UT)

On XX/XX/year> I attempted to send a payment to a family or friend and received a transaction declined message. I reached out to Venmo through their chat option and spoke with a live agent. They informed me this was due to systematic fraud detection systems and would just need to wait for the system to allow me to make transactions. 
On XX/XX/year> I attempted to do another transaction to a family member and again and received a transaction declined message. Again I had reached out to Venmo through their chat option and was again told it was due to fraud system rules and there was nothing I could do but wait for it to clear. I requested an escalation, I was informed there was no way to escalate, nor there is nothing that could be done.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (NJ)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

US DEPT ED - XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED - XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

RE Account Numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Citi, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated
third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately. 

XXXX XXXX XXXX inquiry date XX/XX/year> XXXXXXXX XXXX inquiry date XX/XX/scrub>XXXX XXXXXXXX inquiry date XX/XX/year>
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (FL)

XX/XX/XXXX Subject : Formal Complaint Regarding Negative Mortgage Report and Disaster Relief Program Miscommunication Consumer Financial Protection Bureau To whom it may concern, I am writing to formally file a complaint regarding the negative reporting on my mortgage payments, which I believe is a result of miscommunication about a disaster relief program I was informed of by US Bank. I reside in a federally declared disaster zone and was assured by a representative that I qualified for a mortgage relief program designed to help customers like myself. 

Despite following the guidance provided and believing that my mortgage payments were either deferred or paused under this program, I was recently notified that negative reports regarding missed payments have been filed against my credit. This has caused significant distress and affected my financial standing. 

To summarize the events : - Around the beginning of XX/XX/XXXX, shortly after we suffered through Hurricane XXXX, I was informed by US Bank that I was eligible for the disaster relief program. 
- I followed the instructions provided to enroll in this program. 
- However, around XX/XX/XXXX, I was notified that my mortgage account was reported delinquent, which contradicts the understanding I had of the programs terms. 

I am requesting that US Bank promptly : 1. Remove any negative credit reporting that resulted from this misunderstanding.

2. Provide confirmation that my account is in good standing and that I remain enrolled in any applicable disaster relief programs.

3. Review the communication surrounding the program to ensure no further customers experience this issue.

I have relevant documents, including communication from US Bank or proof of disaster zone status that I can provide if necessary. I would appreciate a prompt resolution to this matter, as it is crucial for my credit and financial stability.

Please respond to this complaint in writing within reasonable time frame, e.g., 10 business days to confirm the actions taken. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I do not have an account with this company. In fact my lease where I was living was signed in XX/XX/XXXX. How did I open an account in XXXX of XXXX? I need to see documents that I signed with this company. The company that I was with before the lease was up was called XXXX XXXX thats shows on time payments for every month! As well XXXX XXXX no longer exists! I need this removed immediately to no longer hinder me seeking a home for me and my children. I have the lease agreement for the home I was in and the new home I moved in before this company says this account was opened! Another this it has my maiden name of XXXX XXXX, I got married in XXXX of XXXX and dropped my maiden name then! Everything I open is in my name XXXX XXXX!
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NC)

This company started contacting me on XX/XX/year> by email claiming I owe them a debt of {$72.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.
Consumer complaint received 2024-10-22
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION (WA)

On XX/XX/year>, I made a prepaid charge of {$20.00} at XXXX XXXX XXXX XXXX XXXX XXXX The prepaid charge was through the in-person cashier inside the store because their gas pump 's card reader was not working. I only used about {$12.00} and some change in fuel. The exact amount is unknown. Upon looking at my statement, I realized that I was charged the full {$20.00} instead of the {$12.00} and some change. PenFed Credit Union did provide me with a temporary credit of {$8.00} while they investigated this. On XX/XX/year>, PenFed reversed the {$8.00} credit. I called their customer service line to get their reasoning. The only response the service agent could provide is that their dispute resolution agreed with the charge the vendor claimed. I then told the PenFed service agent to close all my accounts as I will be taking my business elsewhere. This is no ill-will towards the PenFed service agent, but it is my disgust with their dispute resolution department. The service agent were extremely helpful and informed me to use all the rewards points that I had and to payoff any remaining balance that were correctly charged, which I did. Thus far, my PenFed Rewards Credit Card is paid off and closed. My Money Market account is closed. The only accounts that could not be closed are the Savings Account of {$5.00} and the PenFed Cash Rewards Card with a balance of {$8.00} that I refuse to pay because I never received the full amount of the prepaid fuel charge.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

On XX/XX/XXXX my request for an inspection for repairs made to my home verifying the siding had been replaced on the exterior after it was damaged XXXX, XXXX 2024. This repair is being paid for by my insurance company XXXX. The money was placed into an escrow account with Shellpoint mortgage ( my mortgage company ) but is on hold until the inspection is completed.The work has been completed for over 3 weeks at this point and can not move forward without additional funds ( following verification of the work completed ) I live in XXXX pa and the winter will halt construction. I have reached out via email and the online portal multiple times over the last two weeks with no response. I am frustrated and need help to complete my home before winter sets in. Please!
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC. (UT)

I received a card in the mail from SoFi letting me know my card just needs to be activated. When I contact SoFi she just kept saying you didnt authorize this and I said no. She said they had a different number on file for my account not my number. I have not opened an account with SoFi and I can not understand how it was opened as I have a credit Freeze. She just said their security dept would look into it and if found fraudulent they would close the account.
Consumer complaint received 2024-10-22
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

XXXX Is my original complaint but this also goes along with it because I did in fact forget about a few other things that they have also done.. they have NEVER HAD me agreeing ever to get anything out my mine and my grandfathers account and they did. I have to get the correct amount and date but should have them all by this week. they dont it not once but a few times thats why we also went ahead with checks again cause they was also stating that my payment over the phone did not go through but IN FACT it sure did. XXXX XXXX also is getting involved with this because he thinks this might could be federal and definitely classified under fraud so he as we all are is waiting to get those papers from the bank and to prove they are scamming our family and not just ours so many others. Honestly it looks like I might not be the one thats having to sue for my money, non stop harassment, emotional damages this list could go on so I cant wait to share these PAPERS not only with CFPB but SPS to get the new also involved. In the previous message in CASE number XXXX I thought they never cashed it but look at that date XXXX, when they said they was destroying it [ NOT SENDING BACK ] was a red flag its self but then we seen this last night and just have to upload cause that right there showes you how much weve already paid in just that little of timing and paid 2 times per month even on most so if anything we are over paying and thats probably one of the reason why they want the home.. they got it paid for XXXX 6.600 % and have paid that since XXXX Now its showing on their paper XXXX. no, absurd
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I applied for the card under an offer to receive XXXX bonus miles upon spending {$4000.00} within the first XXXX  days. Initially, my application went under review. I was contacted for verification of my information, including my SSN, birth date, and address. The card was subsequently approved on XX/XX/XXXX, which I received confirmation of via email. 

From XX/XX/XXXX to XX/XX/XXXX, within the XXXX period, I spent a total of {$4100.00} on this card ( last digits XXXX ). As of XX/XX/XXXX, I had not received the promised bonus miles, so I contacted the number on the back of the card and was informed that I would receive a letter with further details. 

On XX/XX/XXXX, I received a letter indicating that my bonus miles request was declined because previous XXXX XXXX Signature Business cardmembers are ineligible if they have received a new account bonus for this product in the last XXXX years. However, this condition was not part of the terms when I applied. I understand it was added to the card agreement in XXXX.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (FL)

CREDIT ACCEPTANCE CORPORAT XXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for your prompt attention to this matter. I expect a response within the 30-day period
Consumer complaint received 2024-10-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (WA)

XX/XX/year> : Submitted Loan Discharge Application to Aidvantage Fraud and Forgery for two ( 2 ) fraudulent student loans from a different state that had popped up on credit report. Fraud student loan amount # XXXX : {$1700.00}. Fraud student loan amount # XXXX : {$1400.00}. Submitted TONS of supporting documentation. Examples : FSA complaints, FTC reports, credit freezes, proof of address/ID and much more. 

XX/XX/year> : Received a letter dated for XX/XX/year> from Aidvantage stating they : " Needed a copy of my high school diploma/transcript and/or GED certificate ( which is required by the Dept. of Education ) '' XX/XX/year> : Faxed letter stating I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Called in to Fraud Dept AGAIN on Monday XX/XX/year> to be told to just send in whatever was on my high school transcript. Requested that from district and faxed transcript to Aidvantage on XX/XX/year>. 

XX/XX/year> : Another letter dated for this day, stating : they " did not receive requested supporting documentation ... '' and " missing records from school '' I called in to Fraud team again and was told they could not find my fax. Then told they did find it and I " just needed to wait ''. 

XX/XX/year> : Received another letter, dated for XX/XX/year>, from Aidvantage that they were : " unable to conclusively determine that a fraud was committed or attempted using identifying information of another person without authority '' AND that they " have not received the requested supporting documentation to substantiate my declarations from my discharge application '' THIS IS INACCURATE. They have ALL KINDS OF INORMATION SUPPORTING THIS. I have XXXX XXXX XXXX XXXX  how could I enroll in college to get student loans, this is absurd. I am XXXX and will call tomorrow when their Fraud Dept in Texas opens in the morning. 
XX/XX/year> : Emailed Advocates at Aidvantage, Customer Service at Aidvantage, reopening my FSA complaint account so I can file a new complaint with the Obudsman Group of the Dept. of Edu. Also filing this report here with CFPB. And will be calling Aidvantage Fraud Dept in the morning, AGAIN. Likely to be told " to wait ''. Ridiculous. 

It is absolutely backwards how easy they issued funds electronically for fraud loans, with only an electronic signature and NOT verifying ID, but I can not get them to remove these without jumping through hoop after hoop. It is dragging on, this is not a good process for victims of identity theft. The amount of paperwork I have on this is wild. I hope this complaint helps someone in the future to avoid this nightmare.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY (IL)

ADJUSTABLE Mortgage Rates PICK-A-PAYMENT LOAN On XX/XX/XXXX, I received a letter dated XXXX, The letter read as follow ( Change to your Mortgage Interest Rate on XX/XX/XXXX and payment on XX/XX/XXXX ) then another letter dated XXXX XXXX rate increase. Old mortgages payment {$1800.00} New Mortgages Payment {$2200.00}. 
Borrower ; was not given in a timely fashion notice of interest rate increase nor payment change, subject to the general rules, the section 1026.20 ( d ) disclosure must be sent at least XXXX but no more than 240 days ( about 8 months ) before the first adjusted payment is due. And the section 1026.20 ( c ) disclosure must be sent at least 60 but no more than 120 days ( about 4 months ) before that adjusted payment is due i contacted a realty estate attorney who seemed a letter to the Mortgages Company on my behalf. as of XX/XX/XXXX still waiting to receive a correspondence letter. 
after researching pick a payment loan I discoveryhundreds of thousands of borrowers '' who entered into pick-a-payment mortgages with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX and was itself acquired by Wells Fargo at the end of XXXX Pick-a-Payment Mortgage Loan Class Action Settlement. Wells Fargo to settle lawsuit over pick-a-payment Loans violated federal truth in lending laws. 
moreover, more specifically, Wells Fargo customers who had either an auto loan, mortgage loan or bank account between XXXX XXXX were affected and may be eligible for a payout. Wells Fargo Mortgage Loan Borrows ( Some borrowers were incorrectly charged fees or other cost ). I too was a Wells Fargo Bank Account Holders and mortgage loan holder doing the year of XXXX