davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (CA)

This complaint is directed towards Experian, XXXX, and XXXX Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (IL)

Good Morning, I hope this finds you well, Sir My name is XXXX XXXX who live in XXXX XXXX XXXX, XXXX XXXX, XXXX, I AM BANKING WITH SOFI UNTIL A FAITHFUL DAY I MADE COMPLAIN XXXX THAT MY ACCOUNT WAS HACK AND MY MONEY IS BEEN TRANSFER TO XXXX XXXX, THE XXXX XXXX  ALSO BELONG TO ME WAS ALSO HACKED ABOUT XXXX USD WAS MADE OUT OF MY ACCOUNT, I INSTANTLY CALL THE BANK TO STOP THE TRANSACTION, BUT XXXX TOLD ME I SHOULD WAIT UNTIL TRANSFER IS CONFIRM THEN THEY WILL RECALL BACK MY MONEY, I WAITED ALL DAY ONLY FOR ME TO CALL THEM THEY SAID THEY ARE GOING TO CLOSE MY ACCOUNT, I CALLED TO REQUEST FOR A CHECK TO BE SENT TO MY ADDRESS, SOFI BANK TOLD ME THEY TRANSFER MY MONEY TO ALTERNATIVE ACCOUNT ADDED IN MY ACCOUNT, WHICH THOSE HACKER USE TO TRANSFER THE MONEY, I ASK DID I GIVE YOU AUTHORIZATION, THEY SAID THEY WILL LOOK INTO IT AND THEY WILL SEND ME A CHECK TO MY ADDRESS, I SHOULD WAIT 10 BUSINESS DAY, I WAIT TILL YESTERDAY DATES XXXX, I CALLED TO GET MY CHECK, THEY TOLD ME NOTHING CAN BE DONE MY MONEY WAS ALREADY TRANSFER TO ALTERNATIVE ACCOUNT, SIR I NEED MY MONEY
Consumer complaint received 2024-01-23
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (MD)

This bank and its rep, XXXX, lied to me saying they called me on XX/XX/24 and XX/XX/24 XXXX XXXXthey never did. I want this card ( US Bank ReliaCard ), account and the online access closed for good! The case number is XXXX. I already made it clear to confirm the closure! I don't need to call anyone -- -especially when their line is awful and of no help! XXXX did nothing but waste my time!
Consumer complaint received 2018-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CT)

I discovered a negative statement on my Experian credit report from the following company : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both Experian and XXXX XXXX XXXX on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to XXXX XXXX demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. Experian 's response to previous disputes has been that, based on their investigation, the information provided by XXXX XXXX would remain on my report. I can only conclude that their investigation consisted solely of asking XXXX XXXX if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of XXXX XXXX XXXX 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my Experian credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
Consumer complaint received 2022-02-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexPath Capital, Inc (CA)

Please refer to my prior complaint : XXXX My loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX at one point. Initially, I complained and they claimed they could " neither confirm nor deny '' that I had any loans with them. Finally, after several phone calls they were able to give me a phone number to the new student loan servicer which is Flexpath Capital, LLC.

I was able to contact someone there and they said that they were now servicing the loan and that it would take time for them to input my data into their system. I provided them with my updated information and they said that for now, I should pay my student loans by telephone. I have been making monthly payments over the phone in the amount of {$700.00} since XX/XX/2021. I have not received a statement nor is it clear if they even have information on the original loan. At this point, I'm not even sure if the loan is valid and I'm simply paying because they simply think I'll continue to pay without question. We've asked for login information and gotten nothing. Now, six month later I'm still paying telephonically and there's no way for me to track who actually has my loan.
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

I mad a {$1700.00} payment in XXXX through my XXXX  XXXX XXXX the mortgage company Mr Cooper sent it back to the bank. I resent it again. They said they have not received it. I sent another payment {$1700.00} through XXXX XXXX XXXX they have not yet been able to find that payment either. I had the banks talk to them and let them know the money was sent on time and funded. Mr. Cooper has yet to find either payment.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2023-12-10
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: JPMORGAN CHASE & CO. (FL)

XXXX XXXX on account ending XXXX Chase bank sent a letter to resolve the account and offered an opportunity to pay less than unpaid balance. They reported that it would be a savings of {$960.00}. And they offered to accept {$780.00} to reduce the account to XXXX and stop further collection activities. So I called on XXXX at XXXX and talked to a XXXX # XXXX we made arrangements and I payed in full the amount and the account is payed in so I put a claim for my credit report to be cleaned and cleared and give my credit back from the ordeal. I recently checked XXXX to see what was the resolution and noticed that I still that account that is settled a balance of {$960.00} the same amount that I was supposed to save, I really dont care but I need this fixed and I have documentation from chase bank stated that this account is payed in full so there must be a glitch XXXX system when check facts out! But I know what I payed and they asked for the payment to clear the account. Thank you for your time
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC (TN)

Late on Thursday, XXXX XXXX XXXX I discovered a {$1000.00} deposit in my checking account from Speedy XXXX XXXXXXXX I called on Friday telling them I did not request a loan. They informed me that I signed the loan papers online. I denied that I did it. I contacted my bank, explained the situation, and was told that they would return the {$1000.00} to Speedy. I called Speedy again and informed them of the action being taken. Today, XXXX XXXX XXXX I tried to use my debit card only to find that Speedy had submitted a request for payment for {$970.00} resulting in an overdraft situation for me. 
I had done business with Speedy probably 4-5 years ago. I paid the loan in full ; however, I assume they could have still had my banking information on file. 
I did not request a loan from Speedy, and I did not sign the form online. I resent being defrauded by Speedy.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

I was denied credit by Wells Fargo. The letter was dated XX/XX/2024. They gave four reasons why I was denied. One reason was late payments in the las 24 months. This was inaccurate. Not enough revolving accounts. This is inaccurate also. I am being treated with disrespect.
Consumer complaint received 2023-12-23
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. (MD)

Dear Equifax : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-23
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: EQUIFAX, INC. (MA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act
Consumer complaint received 2023-12-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company (KS)

Our mortgage was sold in the last months from XXXX XXXX to Freedom. We received noticed from XXXX XXXX to not send them anymore payments about 10 days before our payment was due. It had the old loan number on it. I moved the address to Freedom and left the loan number and made the XXXX payment ( {$800.00} ) and the XXXX ( {$800.00} ) payment. In XXXX we received notice that we were behind. I logged into Freedom, made exact amount via their website and started talking to them via online communications about the missing payments. I sent everything I had access to from XXXX XXXX XXXXXXXX. They told me they needed other information. I requested it and received the XXXX information in the mail and sent if via their secure site to them. They found it and credited out account. I did not receive from my bank the XXXX information so I called again. They got on the phone and called Freedom. The next day they faxed to the number they were given the information on the XXXX payment. I reported this to Freedom who replies yes the XXXX payment was already resolved. 

I went back and said no XXXX is resolved they sent confirmation for XXXX. They keep responding to me about XXXX. So a XXXX time I called XXXX XXXX XXXXXXXX and did a 3way call to Freedom and repeated the fax process for the XXXX payment. Again telling Freedom via secure communications this occurred. They again replied yes we already processed XXXX and keep telling you this. 

Freedom will not find or process the XXXX payment, I admit I am at fault for the wrong account number. I have asked for a direct number to talk to someone about my loan and I get the 800 on all their paper work. When I call I get " oh we have to transfer you, your a special loan and never get to anyone ''. In addition at the time of transfer my unpaid balance was was {$2100.00}. After applying the {$800.00} payment and the 1 time payment of XXXX they are showing a balance owed of {$1400.00}. So, how do I owe more with the change in companies. I am told its how they calculate verse how XXXX XXXX calculated. That is a {$780.00} difference at the end of my mortgage. 

I need Freedom to find the fax that was sent twice from XXXX XXXX XXXXXXXX for the XXXX {$800.00} payment and apply it. Than I will pay off the balance of the mortgage. I also need this off my credit report.
Consumer complaint received 2023-09-17
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: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (CA)

I am submitting a follow up complaint through CFPB to the Experian credit bureau that has yet to remove this one remaining inquiry from my credit file, and the XXXX needed to remove these SIX remaining inquiries as the bureau only removed one. I am kindly asking the CFPB to please make sure that the Experian and XXXX Credit Bureaus to remove these remaining fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-23
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: JPMORGAN CHASE & CO. (WA)

Hello this is regarding claim CLAIM ID : XXXX with chase bank credit card. I returned all the items in that order to the merchant and am owed a full refund of {$7300.00}. I believe the credit card company Chase was mistaken in the reason for the chargeback and I also think they are discriminating against me because I am XXXX. The merchant XXXX provided me the return label and I boxed all the items I received using the return label as the label for the box and I returned all the items. It appears that the XXXX warehouse mixed up the items with another box return or chase and XXXX dont believe me because I am XXXX but that is not right. J returned all the items in the order.
Consumer complaint received 2020-08-18
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: Security Credit Services, LLC (AR)

Security Credit Services Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX and Security Credit Services has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-29
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CT)

I received a mysterious email from XXXXXXXX XXXX XXXX Chime stating they were going to be closing my account with no reason or justification. I called them about this odd email and they said no that was not true or accurate and it must have been a phishing attempt. I saw my account was closed without my knowledge not giving me sufficient time to change my direct deposit information on various gig apps I rely on for financial survivial and for paying gas in my car, to pay child support and alimony, and my everyday living expenses. 

I'm now being told all the money in my account will not be returned to me until up to 30 days from now. I now have no money at all to put gas in my car and they have left my in a life and death situation over having zero access to financial funds as they were my only banking instituiton.
Consumer complaint received 2024-04-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (FL)

My lease through the XXXX dealer was with U.S. Bank. When its time for me to either purchase the car or turn in the car it is set up So I can not take advantage of the equity Ive earned in my car. Im only allowed to sell it to three different companies. XXXX, XXXX and XXXX. 
What is extremely unfair, and I believe criminal, is that my payoff is {$23000.00} as of today. XXXX has agreed to pay me {$26000.00} for the car. However, when I go to XXXX for a payoff amount, US Bank gives them a far different payoff amount which is much higher. The payoff as of the same day is {$30000.00}. To further cause problems so I cant receive my equity.for me to purchase and then turn around and sell. I have to send in a written check along with documentation that they will send me and then they will turn it into the XXXX and I will receive XXXX XXXX in excess of 30 days from now. The value of my car will drop in 30 days, I believe they count on this so they can take my XXXX in my car and then turn around and sell it straight to XXXX and obtain the dollars for themselves. When I purchase a car or sell a car to a dealership, the title can electronically be sent to me and if I dont have it when I sell it to the dealership, they can duplicate XXXX on the spot so they can sell a car. Why do I need to go through this Title the answer is because they can steal my equity. All of my payments can be electronic to US Bank except for this payoff. I dont know if its just US Bank thats getting the money or do they give rebates back to the dealerships? 
At this point, I have not even tried to turn in the car and Im sure that they will try to charge me more dollars for end of lease turn in or wear and tear ( vehicle is in great shape ) or something of that nature when I already know the car is worth {$2400.00} More than the payoff.
Consumer complaint received 2023-12-13
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (SC)

Navient student loans is calling me up to 8 times a day for loan payments that are not even 30 days late. The payment is high, so I have to make it when I get paid. When I asked them why they called so much, they said the state of South Carolina allows them To call me once an hour. Ive received over 30 calls in the last 7 days. This is excessive, especially for a loan Ive been paying for over 10 years and have never fallen 30 days past due.
Consumer complaint received 2023-09-05
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. (NJ)

My XXXX credit card account, which has been reported as a charge-off on my credit profile. I have not received a 1099-C form from the creditor, despite my understanding that they received a tax write-off related to this debt. I kindly request documentation demonstrating their right to report this as a debt or, if unable to provide such evidence, the immediate removal of this account from my credit profile.