davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX I opened an Ace CASH Flare, XXXX account. 

I opened an account as part of an offer to receive a {$100.00} credit under the following conditions : " To redeem this offer you must receive a direct deposit of payroll or government benefits to your Account within 60 calendar days of your receipt of this offer. Excludes tax direct deposit. Your receipt of this offer is the date that you establish a Flare Account, including completing account activation and identity verification, as determined by our system-generated time stamp. A credit of {$100.00} will be applied to your Account within 30 business days of receiving qualifying direct deposit. '' XXXX I made a direct deposit from my employer of {$500.00}. 

XXXX After more than " 30 business days of receiving qualifying direct deposit, '' no " credit of {$100.00} '' was applied. 

XXXX I contacted ACE/XXXX  asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied asking for proof. They claimed that I had to have received an e-mail offer. However, the " ACE Bonus Offer '' PDF contains no reference to any e-mail offer. 

XXXX I sent an e-mail to ACE/XXXX XXXX   customer service providing the proof of the offer and a reference number of my case ID. I have attached the proof as " ACE Bonus Offer. '' XXXX ACE/XXXX  replied stating that they " unable to process your request at this time '' and would " provide you an update within 1-2 business days. '' XXXX 4 business days later, I still had not received an update. I contacted ACE/XXXX  XXXX customer service again asking for the offer having fulfilled their conditions. 

XXXX ACE/XXXX  replied stating that " Someone from the corporate office will contact you directly within the next 2 business days. '' XXXX 3 business days later, I have not been contacted by ACE/XXXX I still have not received the {$100.00} offer having fulfilled their conditions.
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

hard inquires made on XX/XX/2021 by XXXX Card and Citi Card/Citibank and I did not request or authorize these two inquires. It was not me applying for credit with these two credit card companies and want information removed from my credit report. Also, a Fraud Alert has been put on my report.
Consumer complaint received 2020-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (OH)

XXXX XXXX extended credit in my name falsely at the following addresses and now refuses to acknowledge the identity theft that has taken place. Unbelievably allowing someone else to use my name and social to open 3 different accounts and 3 different addresses at the same time and not suspecting a thing. XXXX XXXX now wants me to pay the Identity theft debt. I have never lived in Virginia mailed bank statements to XXXX as proof along with my drivers licence etc. After completing proof of residency and sent back statements etc. to no avail. XXXX insisted on a police report dispite the local police saying they would not take one because it occured too long ago and that they could not investigate such a crime. 

The negative mark is still on my XXXX  credit report. 

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1600.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, 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. (NY)

I do not recognize the inquiry for XXXX XXXX XX/XX/XXXX or XXXX XXXX XXXXXX/XX/XXXX. 

I went to a car dealership and did not authorize multiple lenders to pull from my report. 
UNAUTHORIZED * XXXX XXXX XXXXXX/XX/XXXX * XXXX XXXX XXXX
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

Last year XX/XX/XXXX my city replaced my sidewalk. The bill for the replacement was added to my winter tax bill which increased my taxes from {$87.00} to over {$1600.00}. I was well aware that this would cause a shortage in my escrow therefore increasing my payment per month. Upon receiving my escrow analysis statement I realized Loancare was still anticipating paying {$1600.00} the following year XX/XX/XXXX. I called and explained the situation at which time I was told to send in my tax statement to have this corrected. I sent in my tax statement, HIGHLIGHTED the tax amount and wrote ( with arrows ) what happened and to please adjust my tax collection and run a new analysis. A new analysis was ran but the tax amount was still set at {$1600.00}. I called again but there was an extensive hold time so I decided to leave it be for now and consider it a savings account until XX/XX/XXXX. Winter tax statements became available XX/XX/XXXX, I attached a copy of my XX/XX/XXXX statement requested my taxes be adjusted and a new analysis ran. The taxes were not adjusted AGAIN an analysis was ran and my account still shows I have a shortage. I called was transferred twice and was told I need to submit a written request. How many requests does it take to get this right?!
Consumer complaint received 2021-07-16
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. (TN)

I XXXX XXXX, rights of privacy have been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2022-08-18
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX Date : XX/XX/2022 RE : IN REGARDS TO THE FOLLOWING ACCOUNT XXXXXXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Amount Listed on Credit Report : Dear : Equifax I, XXXX XXXX, am writing this letter to offer your credit department the one-time offer to settle the alleged amount due for {$140.00}. Please note that while I am offering this amount of money to settle the debt, this is not my acknowledgment of its liability. 

However, as I do disagree with the total amount owed I am willing to agree to settle this debt as a show of goodwill under the following circumstances : Report to all credit agencies that this debt has been paid-in-full or the equivalent best-case scenario to Equifax, Payment will be made to satisfy the payment made in-full under the Account ; This debt will be deleted from your records ; and There will be no mention of this debt or settlement to any third ( 3rd ) parties. 
If the above-mentioned items are able to be met I am willing to make payment on this debt immediately. I will only answer to an individual who is an official representative of this Company with the terms of this offer expiring at the end of thirty ( 30 ) days. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2018-12-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank (FL)

In the beginning month of XX/XX/2018, I started my process on first time home buyer with XXXX XXXX, during the process I had to put forth XXXX dollars with earnest money for the home I am interested in purchasing. The lenders have made this a long drawn out process, the application was sent to the under writer, and was returned for a few documents, every time I send a document, the next email is for a different document. They have been calling my bank asking for information, calling my employer, asking for information that violates my privacy. I have submitted the same documents over and over. I received a request today asking for a voter registration, it seems I am being racially discriminated against. The more I submit the more they request. A long drawn out process. They continue to state that the reason they are so detailed is because of the down payment assistance which is less then XXXX, however ; it is a great importance for a young single mother such as myself. They dissect every little thing finding a concern they may not be merited. They say the earnest money I had was void cause my dad had giving me money, but the earnest money was paid by me out of my account. Then they stated my income was not enough based on debt to ration, things included that may not be merited, I then asked my mom to come on the mortgage, she agreed, they said she didn't qualify for the Conventional Mortgage, now they are stating I am under the FHA, every step is a hurdle and complications.
Consumer complaint received 2020-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Closed Monthly Payment : {$200.00} Date Opened : XX/XX/XXXX Balance : {$5100.00} No. of Months ( terms ) : 0 High Credit : {$5500.00} Credit Limit : {$5500.00} Past Due : {$960.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Canceled by credit grantor Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 2 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (IN)

I took out what I believed to be a private personal loan in XXXX from XXXX. This was not based on my attendance at school or any other financial aid but was considered a " private signature loan ''. In XXXX, I fell on financial hardships and filed for bankruptcy which was discharged in XXXX. The lender received notice and did not object to the discharge during the bankruptcy proceedings. I was led to believe that the loan was eventually discharged with the bankruptcy in federal court. However, in XXXX, after a series of transfers of holders, the lender 's newest agent sued me in Indiana XXXX XXXX, arguing that they were a private student loan that met the priority exceptions to bankruptcy. However, they are not specificied as a priority that is listed in the statute and I believe they should have been discharged with the bankruptcy. I need to know how I can tell if this loan was considered dischargeable or not. I pulled my NSLDS record and they are not listed as a government backed student loan as required under 11 USC 523 ( 8 ) a. Nor do I find that they are a qualified student loan under 11 USC 523 ( 8 ) b. Please advise me to the appropriate source to determine for sure whether or not the loan qualifies to survive bankruptcy and whether I would or would not owe it. I have consulted several attorneys who seem to say this is too technical and there should be an easy resolution.
Consumer complaint received 2021-06-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I have disputed an account with the bureaus previously and it has not been resolved! There a XXXX XXXX Mortgage late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, this complaint is in reference to a Fraudulent check withdrawal from my CHASE account on XX/XX/22 in the amount of {$950.00}. The fraudulent check was addressed to XXXX XXXX XXXXXXXX XXXX  and was cashed by a person unknown to me who forged my signature on the aforementioned check. Upon making this discovery I contacted CHASE via XXXX and was advised to report to my branch which is located on XXXX XXXX and XXXX XXXX XXXX XXXX in Florida. Shortly thereafter, I arrived at the bank when I made contact with a bank employee whose name I can not recall assisted me in cancelling my old checking and savings accounts for new ones. Prior this incident a fraudulent check was deposited into my account on XX/XX/22 for the amount of {$930.00} with my forged signature. The check was from a company called XXXX XXXX of XXXX XXXX. Upon making that discovery I responded to my branch when I made contact with an employee name XXXX who assisted me with cancelling my accounts for new ones. I stated to XXXX that only two agencies deposit checks into my account and they are my employer XXXX XXXX XXXX XXXX and the Internal Revenue Service and no one is authorized to withdraw. In exercising due diligence a security pin was set up to deter future fraud attempts going forward. After the second incident I asked the bank employee how could {$950.00} be withdrawn from my account if a security pin was set up and I was advise that the security pin was removed but no one can give an answer as to why. It should be known that the security pin was removed without my knowledge or consent. 
I was told by the bank employee an investigation would be conducted and my {$950.00} will be credited after 90 days. On XX/XX/22 I made contact with CHASE Fraud Dept via the aforementioned number when I was told my funds shouldve been credited to my account a long time ago and if in 5 business days my funds were not credited to call back. On XX/XX/22 I made the call but on this occasion I was communicating with CHASE Fraud Dept Located overseas. The Overseas Fraud Dept Personnel stated that Based on their investigation my ID was used together with my signature and I did not report my ID was stolen and the case was closed. I told the investigator I never lossed my ID so there was no report to be made in addition which bank location the Fraudulent Check was cashed he refused to give me that information. In conclusion CHASE does not have any Clear and Convincing Evidence that Im responsible for this fraud but theyve made that decision anyway. Im hoping that your agency can look into this matter to hold CHASE responsible for their error in protecting my accounts. Thanking you for your attention in this matter. 
Yours Sincerely.
Consumer complaint received 2022-08-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, 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. (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Equifax via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Equifax credit report XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo line of credit is intentionally difficult to pay to encourage consumers to trigger fees. 
After opening an account with a special no interest offer from a merchant ( XXXX  XXXX ) I received my first bill in XX/XX/XXXX For background I am XXXX, excellent computer skills and good credit. I never miss payments. First I never received the first bill from Wells Fargo and missed the first payment. No explanation from them as to why I didn't receive it since they had all of my correct information. I was charged a late fee but they reversed it. The website and process to make a single payment is almost impossible to navigate and takes 2 months to set up while they " verify '' your account. After this process you are eligible to set up automatic payments. After setting them up on the 3rd month the payment did not process because the account information was incorrect. I don't see how that's possible since I made payments from the same account previously and they " verify '' all accounts before hand anyway. This caused another missed payment. I called and was hung up on. A supervisor called me back and assured me I would not be charged a late fee. I was charged another late fee. This is intentional and I don't have enough time to spend another several hours on the phone with them navigating the difficult myriad of phone numbers and prompts required to get assistance only to be potentially again hung up. They waste your time so your pay the fees.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020, I registered for an account with TransUnion to check my credit report. They prompted me to enter my credit card information without any indication that it was a paid subscription, and I was subsequently charged {$24.00} for signing up. 

I tried calling them on the afternoon of XX/XX/2020, regarding it, and the customer service representative did not honor my request to give a full refund for the service. He claimed that the {$24.00} charge was listed on the site when I was not aware of this service. I have already since canceled my membership but am still not able to get the refund.
Consumer complaint received 2018-12-20
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. (CA)

According to my recent credit report request from XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX  Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND THE CREDITOR HAS NOT SIGNED AGREEMENT WITH ME PLEASE REMOVE IT OFF MY CREDIT REPORT XXXX XXXX XXXX Account # XXXX  Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX THIS ACCOUNT STATES THAT I WAS 30 DAYS LATE ON XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX BUT I HAVE NEVER BEEN LATE ON THIS ACCOUNT PLEASE HAVE THE CREDITOR REMOVE THE LATE PAYMENT OFF THIS ACCOUNT