davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AZ)

My check is being garnished. 
1. I have spoken to several agencies and its a dead end situation. 
2. Apparently when I was XXXX years of age ( XX/XX/XXXX) a student loan was taken out with my social security number. I did not take this student loan. 
3. It would have been illegal for me to take out any student loan or to sign a contract at this age. 
4. I have XXXX daughter that have gone off to college and when the paper work came to consolidate my daughters loan we signed the forms only the find out after the garnishment that the consolidation was on a loan that was not even ours. it was for a loan in XX/XX/XXXX that did not belong to any of us. 
5. I have file a policy report 6 I have spoken to a lawyer and now I am filing with the Consumer Financial Protection Bureau
Consumer complaint received 2021-01-29
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc. (TX)

I applied to SoFi to refinance a private student loan in the amount of {$29000.00} on XX/XX/21, because they were offering great interest rates, following a short inquiry. Upon seeing my rates/terms, I proceeded with the application, which requires a hard credit pull. Assuming at this point it's a formality, since I was already offered terms based on a the quick inquiry. Upon submitting my application, it was under review for several days. On XX/XX/21, I received notice that my loan application was denied for the following reason : Does not offer credit on the terms requested. 
Not fully understanding what that means, I called and spoke with their customer service representative, who didn't seem to understand the issues and started by giving me multiple excuses that didn't make sense. After putting me on hold for a while, they returned to tell me that they won't offer terms on loans if the school I attended wasn't a XXXX XXXXXXXX school. This is incredibly misleading because at no point does this application process turn you away, or warn you that if your school isn't listed, or if it's not a XXXX XXXXXXXX school, they won't offer terms for refinancing. They even provide an option to select " other '' if your school isn't listed, and give you the opportunity to provide your school. Had I known this piece of information prior to submitting the application, I would've opted out of submitting to avoid a hard pull on my credit. Their entire process is misleading, by making it seem like they have terms that you're pre-approved for, and then turn around and deny the loan for the original loan not being tied to a XXXX XXXX school. Now I have a hard pull on my credit report, which I am stuck with for two years because of SoFi 's misleading process. This is without a doubt the most unprofessional business I have ever encountered regarding financing, and they need to fix their application process rather than duping people.
Consumer complaint received 2019-06-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial (WI)

They constantly called me and threatened to come to my place of work and my home. Told me I could go to jail if I do not pay. They called my husband and did the same and he is not on the loan. I told them to mail me information as I did not remember this debt. ( which now I do ) They never nailed me anything and have been calling for a year. They just stopped when it showed up on my credit report. They are horrible outfit and should be shut down. If they had been nice in the phone and mailed me the info on the loan, it would have been very different and never got this far. I had a bad gambling habit at this time and had at least 13 payday loans out. I settled with all of them, except this one which I thought I had settled. It was a very difficult time and I am trying very hard to get things straight. This place has caused several stressful days with their calls, telling me I owed way more than I borrowed. Spotloan only loans {$800.00}. I have paid Spotloan thousands of dollars with the outrages interest and told the collection company I would not pay any interest and I do not trust this place to say it is paid, if I did pay them. They are the devil. I had no problem with the 12 others I dealt with.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

I use United Explorer XXXX card. 
I used this card to purchase an international airline ticket via XXXX. XXXX sold me a fraudulent ticket ( made 2 separate tickets instead of connecting flight on one booking to final destination, this means even transit visa for layover country wont work as I would need to get boarding passes for layover country in that country itself ) on XX/XX/2021. 

I disputed this payment on United card within a week of ticket purchase but United has not honored the dispute. Initially they removed the transaction temporarily but now within three weeks of removing it, its posted back to my account. This is big and considerable amount that United Chase and XXXX should work together and resolve. 

No use of buying premium travel credit card and paying yearly fee for such an awful experience.
Consumer complaint received 2021-06-26
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. (TX)

I have contacted Experian several times regarding collections agencies not responding to validation requests that I have sent, which to my knowledge they can not report on these things legally without validating them at the consumers request. The last letter that I received from Experian basically stated that they would not remove the collections because they were valid ( but still no proof of validation sent to me although I requested it ). This is against the FCRA and CFPB rules.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020, I wrote to XXXX, Experian and XXXX  requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2022-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I have called AWA collections and confirmed that this debt is not mine, the date of birth and social security number is not mine. I was told to put in a dispute with XXXX and I have done so two times already but XXXX keeps approving the amount when AWA has already told me this is not my account or debt.
Consumer complaint received 2021-01-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Credit Corporation (IL)

There is a problem with this personal installment loan account. I have been disputing this for well over a year and half. I was able to send over the paperwork request by the company in XXXX of 2020. I followed up recently. I called twice last week & once this week. I have been promised to get a follow-up call. I have never received one. I would like my files to be updated and acknowledged. It should not take this long for a fair investigation.
Consumer complaint received 2021-01-29
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (CA)

I asked MediCredit, Inc. to send me prove of the debt and asked them to stop calling me. The representative XXXX acted like she didn't hear me and talked over me. I haven't received anything about this so I do not know anything about this company.
Consumer complaint received 2019-11-03
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 — Investigation took more than 30 days
Company: RentDebt Automated Collections, LLC (DE)

Rent Debt Automated continues to furnish information on credit file. A report was filed due to Identity Theft XXXX XXXX in XX/XX/XXXX went in my wallet stole drivers License and credit card. She has a record of identify theft. SHe was charged in XXXX XXXX Texas. She passed away from a massive XXXX XXXX in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (TX)

I have repeatedly benn called by Conns stating that I am past due. My credit report states that I am current with payments. I have talked to management in XX/XX/2020, XXXX XXXX and XX/XX/2020. They told me each time to disregard calls from as this was a technical error. Now i have been reported to the credit bureau without due cause and my credit score has gone down. I am seeking legal action at this time. They call frequently relative to this matter.
Consumer complaint received 2022-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NJ)

XX/XX/2022 IAPPLIED FOR A SMALL BUSINESS LOAN ON WELLS FARGO XXXX XXXX XX/XX/2022 and XX/XX/2022 i started complaining and getting nervous about the process XX/XX/2022 I start calling the small business lending XX/XX/2022 i start sending emails, faxes, visits to the branch etc. 
XX/XX/2022 finally the bank start the process and starts reaching out to me XX/XX/2022 more problems, no communication. 
XX/XX/2022 They run my credit score for a second time when i was already approved and they call me to tell me they denied everything.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have made numerous inquiries, through their dispute process, about a number of inaccuracies impacting both my XXXX credit report and score. Each time I have requested that they provide, in writing, contact information of the individuals used to verify the information so that I may follow up on my own. At no time has any of this information been provided outside of a notification that they investigated and nothing was done. No information on how, with whom, and through what method the investigation and subsequent validation occurred. Their information and reporting practices are so far off that their report and score comes in at XXXX points lower than my XXXX score and XXXX points lower than my Equifax score. XXXX and Equifax managed to be XXXX points apart while XXXX is almost XXXX points lower. Where obtaining credit is concerned, XXXX points can cost thousands of dollars in additional interest payments and this needs to be fully investigated, documented, and explained in detail. If that can not be done they need to remove the negatively reported and inaccurate items from my credit profile.
Consumer complaint received 2021-11-10
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. (VA)

On XX/XX/2021 and XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Credit and Collection Service, Inc. (AZ)

I have disputed the account information with these collection companies and credit bureaus. 

This collection companies is violating the FCRA mandates Inaccurate Information-Errors include incorrect activity dates, account status, ammount owed, past due amount, date of last activity, etc Incomplete Information-Fields are left blank Unverifiable information-There is no contract with these people. My identity has been stolen and I have so many inquiries into my credit report from companies. I have misspellings of my name. 

This company must STOP reporting this account on my credit report immediately.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber (IL)

Hello My name is XXXX XXXX. My daughter received a hospital bill at XXXX XXXX for {$2600.00}. Last month I paid the entire bill. It's been 30 days and it's still on my credit report.
Consumer complaint received 2021-06-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Court Case XXXX XXXX XXXX , XXXX vs XXXX XXXX XXXX and XXXX - XXXX, XXXX XXXX Granting Defendant 's Claim of Exemption and dissolving continuing writ of garnishment was already granted on XX/XX/2021. 

Received letter from one of their sister companies trying to collect on debt and they threaten legal action in the letter when I was already granted exemption and the dissolved writ of garnishment. 

I am going to mail copy of judges verdict to the company. and advised that complaint has been filed.
Consumer complaint received 2020-09-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2020, I applied online for a Cash Out Refinance Loan from Navy Federal Credit Union ( NFCU ) and was required to fee for the credit check. Based on their product offering pages and application it seemed like NFCU offered this type of loan, so I completed the application and paid the required fee. A few days later, the loan officer from NFCU ( XXXX XXXX ) informed me that NFCU does not offer this product and was going to withdraw my application. After our conversation, I realized I should have asked for a refund since the product was not offered. This product seemed like it was and I won't have applied if it was not available.I attempted to contact loan officer multiple times after - through email and phone, but she didn't not return any of my messages. A few weeks later, I spoke to another representative ( I didn't get name ) that told me she was processing the return payment and that it will take a few business days. I waited over a week and nothing was returned/credited to my account, so I called in again. I spoke to another phone representative, who told me nothing had been processed and they need to get authorization from loan officer. The representative told me they can not get a hold of my loan officer, so I should call back and ask to speak to them directly. I called back a few days later to ask for a supervisor, but they weren't available, so I was given 2 names ( XXXX XXXX and another but I can't find my notes ) and the rep asked either of these supervisors to call me asap. About 2 days later ( XX/XX/XXXX ), I called back to speak to one of the supervisor to get an update on refund, and spoke to her. XXXX said she was going to process the refund and that I would see the amount in my account in a few business days, but may take a little longer since it was a holiday weekend. On XX/XX/XXXX, I checked my account and still did not see the refund, so I called back. I left XXXX a voice message asking for her to return my call so I could get an update. I didn't receive a call from her, so on XX/XX/XXXX, I called back to get an update, but she was not in the office. The phone represenative did confirm the application does give the option for a Cash out Refinance loan on investment properties, but NFCU does not offer them. I am submitting another complaint with NFCU.
Consumer complaint received 2024-03-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (HI)

I received a debt to be collected from Sentry Credit on behalf of XXXX XXXX XXXX a XXXX entity. I already submitted a police report stating the XXXX fraud. We agreed to a XXXX balance. 

XXXX is the equity firm that owns XXXX XXXX XXXX. Case ID : XXXX - XXXX ( HI ) OWNER LLC v. ROBINSON Type : RC - Regular Claim Status : TERMINATED - Terminated Case Last Updated : XXXX We signed an agreement I would have a XXXX balance. According to the ledger filed I owed $ XXXX and change. XXXX XXXX XXXX corporate submitted to sentry credit for a {$50000.00} lien against me and my husband. Thats contractual fraud. XXXX XXXX XXXX is the shareholder of XXXX and XXXX. XXXX XXXX XXXX That shows all the subsidiary companies attached to first XXXX XXXX . Case ID : XXXX - State v. Awapuhi Robinson Type : CW - Criminal Written Complaint Status : ACTIVE - Active Case Last Updated : XXXX ID : @ XXXX XXXX : XXXX XXXX Status : Not Specified Filing Date : THURSDAY, XX/XX/2024 Court : THIRD CIRCUIT Location : XXXX XXXX XXXX : XXXX  XXXX : XXXX XXXX : XXXX XXXX/ XXXX  : XXXX Alleged Speed : ~ / ~ That case has all my documents in the lineal heir to the XXXX XXXX. They sealed my documents without discussing it with me. I have copies of the documents. 

Thank You, XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (PA)

Tuesday, XXXX XXXX, 2021, I received a letter in post from US Bank, stating a credit request was denied due to insufficient information. I have not applied for any line of credit from any lender. In concern of Identity Theft or Credit Fraud, I called the number listed in the letter ( XXXX ) to a supposed " Customer Authentication Department ''. An answering services receives the call and prompts the caller to press " 1 '' if you received a letter and didn't apply for a credit card. The answering service runs for 30 to 45mins. then, disconnects. I called and waited several times from XXXX /EST to XXXXEST and never received an actual response. 
The credit request is obviously fraudulent and US Bank is a valid corporation. I believe the letter may be fraudulent, as well. I would like to have this investigated to find its source and intention.

-With Thanks
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NV)

I own a C-Corp ( franchised quick serve restaurant ) which has an American Express card. They had a zero percent offer to entice the use of the card and a $ XXXX credit line. I used the card extensively and actually have charged $ XXXX on the card and paid $ XXXX. If they net 2 % on my charges they've already made {$1700.00} on my purchases. I still owe $ XXXX and the zero percent intro period expires next week. Our quick service restaurant opened in XXXX and I know the company can not pay off the $ XXXX and the interest rate reverted to 20 %. I wanted to get in front of this and ask them if they could lower the interest rate to something more reasonable like 9 % ; since the fed funds rate is 0 %, Amex can effectively borrow money from the XXXX for 0 %. 20 % seems usurious. They want to force me to enter some " relief program '' where the rate would be 5.9 % but it would impact my personal cards and personal credit rating. I have no balances over a couple XXXX dollars on my personal Amex Cards and I pay them off every month and have never been late since 2008. I am unclear why a C-corp I own entering relief program would impact my personal credit score. Additionally if I did enter the relief program to lower my rates to 5.9 % they would not tell me how much my credit lines would be reduced ( personal or the company 's ; I was told to wait and see on line in a few days how much they reduced my credit lines? ) -Needless to say I think it is unfair to have a C-corp 's credit and financials impact my personal credit score. There is supposed to be a shield of liability with a c-corp structure. 
-Force me into a " relief program '' to get 5.9 % and potential crush my credit score and credit lines. Essentially it's like they want me in this " relief program ''. I am unwilling to have it impact my personal credit score. Plus I still want to use their product as Amex usually is a good company to work with.