davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
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: EQUIFAX, INC. (FL)

XXXX  -- I have submitted several letters or XXXX  in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. XXXX  refused to update that my report, simply stating they don't have to reinvestigate a dispute they already investigated. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX  account. The original XXXX account WAS removed by XXXX, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 

This is the third complaint Ive submitted against them. They remove the things only after I submit a complaint. Even after sending in both mailed copied of price report and uploaded online. This has now cost me the ability to refinance my house. 

Equifax -- I have submitted several letters or Equifax in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. Equifax refused to update that my report. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX not my account. Result of identity theft from someone who opened an account. Police report provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by XXXX, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 


XXXX  -- XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided.
Consumer complaint received 2019-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (GA)

I have a membership with this company. I asked them several times to use my funds in my investment account with them to pay off my loan and close my account as I could not afford it anymore. They said they only do that for really delinquent people. So I said you're going to trash my credit then decide you've trashed it enough then allow me to close the acct with the investment funds. Now they have reported it late on my credit. This is unethical when they had the fund from my investment account to settle this account before it was late.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer.
Consumer complaint received 2022-09-16
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: I.C. System, Inc. (CA)

I have disputed an account with I.C. Systems on multiple occasions. I don't know what it is and to help my credit score i was actually tricked into paying it as i '' m tired of dealign ith it and i was told it was going to be removed! Now not only is it reporting differently on each bureau which is a violatoin of the FCRA there is a different balance reported! I mean what kind of lies can a company get away with? this is ridiculous. this needs to be removed. It's reported as an open and current account with XXXX and each bureau has a different payment status and a different date of last active. come on. HOW IS THIS OKAY? My next complaint is with the attorney general.
Consumer complaint received 2019-09-15
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. (FL)

The US Department of Education is reporting 2 accounts that they said were open in XXXX. I didn't open any accounts with the Department of Education on XXXX or went to any school or college in XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.
Consumer complaint received 2019-09-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (AR)

I tried to make my monthly payment several times before it became 60 days late. I was told by the representative to wait 5 days to see if the payment would go through. I did that about 4 times with 2 debit cards and 1 savings account. After many attempts, I was told by a customer service representative that there was a glitch in their system and the could not accept debit card payments. Debit cards, he said, went through two processing systems and they are not processing at this time. I went and opened a checking account to make the payment and by that time I was over 30 days late and was reported to the credit bureaus. I do not feel that I should have been reported because I tried to make the payment, but their system was inadequate.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AL)

I would like to file a complaint against the Citi Bank regarding my Citi Premier Credit Card. 
- In XX/XX/2022, I used my credit card to buy an international flight ticket online. My transaction was declined. I missed the chance to buy that ticket and had to use another bank 's credit card to buy a more expensive ticket. 
- In XX/XX/2022, I called Citi Bank 's customer service to request unlocking my credit card. 
* They asked me to provide my phone number to verify, I did. They could not verify it ( although it was the phone number I was calling them ) * They asked me to provide another phone number to verify, I did provide my husband 's number. They could not verify although my husband phone was still on. 
* They asked me to provide another phone number such as one of my relatives or friends. I could not because no reason to bother. 
* I asked them if they could use my registered email ID to verify. They said they could not use email. 
* They said that they would mail me a code to call them again to unlock my card. 
- In XX/XX/2022, I paid off my balance of {$1400.00}. The transaction was processed. 
- In XX/XX/2022, I called them again to let them know that I had not received any mails for the Code and requested them to unlock my card. 
*They asked me if I had a mailbox. Of course I did *They asked me if I checked my mailbox time by time. Of course I checked it everyday. 
*They told me that they would mail another letter and asked me to wait for another 5-7 business days. 
*I asked them to expedite the mail ; They said that regular mail was the only option. 

I understand that they may use models to detect potential frauds and the models may have false positives. However, it was unbelievable that it took so long and complicated for them to solve just such a simple issue to serve customers. They offered customers bonus points if spending at least {$4000.00} in the first 3 months, but locked the card for 2-3 weeks for their models ' false positive.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # XXXX
Consumer complaint received 2022-09-16
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. (NC)

So I talked to several reps at XXXX, XXXX, Equifax Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I instany transferred money from my PayPal account to my XXXX debit card, a total of XXXX $ on XX/XX/XXXX and it was stuck on pending ... .for days, it's now XX/XX/XXXX this was supposed to be an instant transfer, money in minutes, I call both XXXX and PayPal over 10 times trying to get this resolved, apparently the transfer was denied on XXXX  side due to a maintenance error and PayPal said it should go straight back to my PayPal account in a few days, few days go by and nothing, call again, they forward it to there technical department and say they email me in 24-72 hours, no email ever arrives, I've yet to receive a single email on the subject at all, so I call again and they tell me the same thing and put a trace on my money cause apparently they have no idea were my money is ... .its been weeks and they keep telling me there trying to find my money
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. (TX)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$110.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

I applied for a mortgage with Better.com XX/XX/2020. Better.com pulled my credit report and sent me a verified letter of approval. The next day, I received two more credit monitoring alerts, showing Better was pulling my credit again. I called because this was alarming, the loan officer, XXXX XXXX XXXX # XXXX told me not to be alarmed and there was a mistake. The next day XX/XX/2020, I saw received three more alerts of credit pulls from Better.com, On XX/XX/XXXX, There was another credit pull, I called better to see what the issues what, the loan officer stated, they could not obtain my credit report and had to request multiple times. I asked why I was not contacted if there was an issue and Better could not state the reason for not contacting me. Within one week, I had my credit pulled six times with Better.com, the loan officer stated not to worry since i was looking for a mortgage, all the inquiries would only show as one not multiple. Here we are 5 months later and each inquiry from Better.com shows as an individual credit inquiry. 

In XXXX, I requested Better contact the credit bureaus to let them know of the issues so the multiple inquiries could be removed, they refused to do so, although their system had an error. 

My complaint is again Better in pulling my credit multiple times and never contacting me of the issues they were having with their system. 

I escalated the issue to XXXX XXXX | Client Success Manager with Better and the issue was never resolved, I asked for a letter from the company to provide the credit bureau for removal and other creditors and never received.
Consumer complaint received 2022-09-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (IL)

Credit application denied as result of credit score but my credit score was fine when they ran my score. I went into COVID forebearance with M & T bank. I initially asked is that okay and would it have any impacts on my application. They said no and continue to run my credit and deduct {$500.00} in mortgage fees for my bank account.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Filo Mortgage, L.L.C. (WA)

I applied for a 30 year conventional loan with Filo Mortgage. I was approved after signing all the documents and giving them all what they demanded. 

As part of the application, I asked for and was given a rate lock form, which both ( loan officer ( XXXX ) and I both signed ). This is a XXXX XXXX XXXX  mortgage interest rate lock agreement form. I locked in the rate XXXX with the option to float down for free if the rates drop. This was essential to the whole process. We signed the rate lock form on XX/XX/2022 My closing date for the loan is on XX/XX/2022. On XX/XX/2022, XXXX  asked me to call him in the morning which I did. He told me he " forgot '' to lock in the interest rate even though we signed an agreement form to this effect. He felt bad about it and offered to send me a personal check each month for the difference in what the closing rate will be when compared to the XXXX that we locked in. 

I asked him to provide this in writing but he said he couldn't since this was a personal thing he was doing to make up for his mistake. At the same time, he told me I could pay for points to get to the XXXX. I then asked him to instead make that payment to get me to the XXXX since there's no guarantee he will continue to send that personal check after we close the loan. If he wins the lottery after we close the loan, leaves Filo Mortgage LLC and decides not to send me a check, there's nothing I can do about it. He also offered to enroll me in a Filo program which will pay for all fees for me to refinance when the rates go down. He called it Filo forever or so. 

The lender doesn't trust me when I applied for the loan. They had to get a credit report on me, plus reach out to my HR to verify my pay and a whole lot of checks. Yet, XXXX wanted me to believe he will send me a monthly check to cover the difference without any contract to this effect. It might be genuine but without legal backing, it's unenforceable. 

I've reached out the Loan processing officer ( XXXX XXXX, via email and a phone call ), to the CEO of Filo Mortgage via XXXX XXXX. I haven't heard back from them. 

I let my realtor know what is going on. Apparently the seller or my realtor had reached out to XXXX to make sure all was good to close on XX/XX/2022 to which he said it was. To get this sudden surprise on XX/XX/2022 wasn't good. It's almost as if the plan was never to honor the rate lock agreement. I stand to loose my earnest money and all if this process fails. 

I will appreciate it if CFPB can reach out to Filo Mortgage to right this wrong.
Consumer complaint received 2019-09-14
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. (CA)

From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX XXXX. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XX/XX/XXXX,  however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX. I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX  removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that XXXX  removed XXXX but kept XXXX, Equifax   removed XXXX but kept XXXX. When I checked my dispute status with XXXX, it shows n/a for both completed and results. 

Additionally, my XXXX  page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage Equifax and XXXX  to update their reports.
Consumer complaint received 2022-09-16
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. (FL)

My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX  reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I have reached out to CitiBank on numerous occasions to include XX/XX/XXXX and XX/XX/2019 and one previous time earlier this year. I have paid the company early every billing period, however, they continue to charge a late fee stating that I paid late due to them constantly changing when I can pay the bill. The late fee then increased from {$28.00} to {$36.00}. They told me the reason I was charged the fee was due to me paying twice in the same billing cycle, even though they can see that the payment was made for the bill for the next month. They constantly change the billing cycle end date therefore making me late even when I am paying in advance.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Clarity Services (CA)

I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

I have a loan serviced by XXXX in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the XXXX  XXXX XXXX XXXX deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name NELNET and XXXX has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called XXXX and spoke to a Rep who could only note that NELNET had XXXX XXXX XXXX XXXX XXXX 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. I have not had a name change and do not know what they're talking about. 

I loaded the documents into the XXXX system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The XXXX rep saw no discrepancy with the first or last name as seen in their records.