davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I received a pre-paid visa gift card for my graduation in XXXX. I received 10 different gift cards from different friends without the receipt of purchase attached to the card. this one I'm having problems with said this gift card is between $ XXXX so I'm not sure how much was in here. I tried using the card at multiple different places in store however it continuously was declined. my last declined transactions was at ride aid for {$71.00} and home goods for {$32.00} and after that I contacted visa. I contacted them on XX/XX/XXXX and I have not received worst customer service than this. I spoke to a customer service rep who told me I needed the original receipt and needed to contact my friend who got me the card to verify the gift card and was hung up on ( even though I was able to verify the declined transactions, they still told me they are unable to verify the Acct ). the second time I called and spoke to another representative, I was still able to verify the tractions and she still asked me to fax her the original purchase receipt ( the lack of communication here was very frustrating because I stated multiple times that I don't have a receipt as I did not make the purchase ). I asked to speak to the supervisor since this representative was not listening to me at all. she said because my account is not verified I AM UNABLE TO SPEAK TO THE SUPERVISOR. what kind of a customer service is this. This is the reason why I am so hesitant to get a VISA gift card for friends. because they make your life a living XXXX to give you what is yours. I'm writing this complaint to get a chance to speak to someone from visa who would actually listen and verify my information. I'm a medical professional and I don't write complaints unless it's very necessary.
Consumer complaint received 2022-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (TX)

Ive contracted XXXX and utilized saving, XXXX and credit cards to make credit obligations however I have exhausted. Ive had numerous accounts with Affirm with a excellent pay history but need assistance. For the past 3 weeks, Ive tried 2 - 3 times a day to request payment assistance but your website will not complete the request. Affirm have a web page to assist Affirm customers with payment options that are Covid impacted. 
Several friends have tried also and your website does not complete. If there aret any options in assisting customers, your impacted website is deceptive and misleading. If Affirm have no intention on assisting customers, it should not be on the website.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, PAYPAL/SYNCHRONY BANK received and signed for my notice to CEASE AND DESSIT all telephone communication pursuant to 15 USC 1692c . ( c ) ( see attached ), however as of XXXX XXXX at XXXX, I am still receiving harassing phone calls. This company is violation of my federally protected consumer rights pursuant to 15USC 1692 ( c ) ( a ) 1.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/2019, XXXX XXXX opened a BARLCAYS XXXX BUSINESS CREDIT CARD Account # XXXX for XXXX XXXX SOLE PROPIETORSHIP. The card was blocked from the day it was issued. Barlcays recommened XXXX fax in business verification documents to XXXX. Despite XXXX 's repeated attempts to send in the information and resolve the block, Barclays still has not come to a resolution regarding why the account has been blocked. To date, he has been charged an annual fee as well without having access to the card 's credit line.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BTH Management (GA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has called my job repeatedly after my employer we can only have emergency calls only. He said O have several law suits against me, he spoke with a employee about me as well as she was trying to take an message. XXXX XXXX hung after I told him Im at work and couldnt talk at the moment he said he will keep calling back. They call me every 15 minutes on my cell phone.They have also called several family members whom I not related to but are my husband family.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ACIMA CREDIT, LLC (GA)

Acima Digital, LLC is not a federal, but a commercial institution, so by federal law jurisdiction, they are a consumer reporting agency and debt collector ( debtor ). Acima Digital, LLC. is a non-living and non-breathing entity and they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent lease-purchase agreement. They have committed illegal acts, fraudulent representation of fact and lending of credit instead of money, also unfair debt collection practices and harassment through deceitful charges, theft and billing tactics. A Corporation, a non-living entity, can not lend funds or extend credit, therefore they can not be the owner of any property that was acquired through a natural person 's consumer credit transaction. The documentation they have presented constitutes Identity theft and fraud. Acima Digital, LLC willfully intended to deceive the original creditor, myself, into a fraudulent contract during a consumer credit transaction. I know who I am, and I am Invoking my specified remedy as the original creditor and consumer in this consumer credit transaction. It is impossible to pay on a positively reflected balanced debt or charge. They have misled the consumer, when in fact the alleged debt balance showed it has already been accounted for. Thank you in advance for your response.
Consumer complaint received 2021-10-25
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. ()

Credit bureaus continue to report incorrect debt to income even though a number of loans have been paid off or down. Furthermore other third party credit bureaus use their incorrect information to report to lenders and others incorrectly. In my opinion a sham system. Creating denial of credit. Off shore staff maintains access to my personal data ... fact by their own admission and one they never address XXXX does the so called CF PROTECTION bureau. Debt to income much lower!!
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Time sensitive letter that they have no record of No explanation of whyMortgage recast eligibility under XXXX that needs to be received by1/31/22 No address to send it to Cant discuss terms because they are unaware and nobody to escalate Supervisors and management unavailable
Consumer complaint received 2020-11-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (PA)

Opened CD account with XXXX XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX CD recently taken over by " US BANK ''. 
CD reached maturity on XXXX XX/XX/XXXX. 
Called US Bank on XXXX XX/XX/XXXX at XXXX XXXX. Told my account would be closed and I would be sent a check for sum due. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check not arrived. Again I was told that the check " was in the mail ''. They informed me that the check was mailed on FRI XXXX XX/XX/XXXX. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check had not arrived. I was told that the account was not closed/processed until XXXX XX/XX/XXXX and AGAIN told that the " check was in the mail ''. 
Received a letter form US Bank today ( XXXX XX/XX/XXXX XXXX entitled " Recent activity on your CD account ... ''. They were allegedly notifying me that the account was closed. They wanted me to be aware and that no action was required if I was party to the closure of account. I have still not received the funds! 
In my opinion, this is an extraordinary and unwarranted delay in reimbursing me. I have no idea when I will receive funds. If it had truly been mailed on XXXX XXXX, I would have received it by now. They are delaying reimbursement on monies due me ...
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co. (WI)

Good day, I am filing a complaint against Oac, XXXX XXXX XXXX, and XXXX. I received a derogatory remark on my credit of owing {$88.00} and this has put me in collections with OAC. I absolutely have no idea of the debt owed to XXXX XXXX. My credit report can show that I have never owed a single debt, not even a delay in payment one time. I put all my accounts on autopay and I believe I have paid off whatever balance I have. I never got any notification or reminder to inform me of any balance pending. I do not even have any idea of where the debt payment needs to go. I need this resolved please as this is very unfair that all these years I worked to have a clean credit report an unknown debt I have no knowledge of will be added to my credit report with no prior knowledge. 

In summary, I strongly believe I do not owe {$88.00} as all my accounts are set up to autopay and I never received any notification of this debt. Not even one. Please advise. I do not have any receipts as I believe whatever was owed was paid through a portal they sent to me. I do not remember the portal or have access to it anymore. WHY WOULD THEY SEND MY ACCOUNT TO COLLECTION WITHOUT PRIOR NOTIFICATION? NO LETTERS, NO CALLS, NO EMAILS. NOTHING!
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background (CA)

My LEGAL last name since birth is " XXXX. '' My step-fathers last name was " XXXX, XXXX but never mine and I have never used it legally or otherwise hyphened my last name. This last name of " XXXX '' is showing on my report multiple times is INCORRECT.
Consumer complaint received 2022-01-03
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (CA)

I am being harassed for tuition from XXXX XXXX XXXX XXXX and Williamd & Fudge Inc. for a semester of school that I never attended due to the COVID shut down. I unenrolled for the 2 classes with the school 3 times. The school was shut down due to COVID and classes were all changed to online which I never agreed to or attended. I have learning issues and online learning would not fit my situation. the bill is XXXX and in collection and it is not accurate. I have paid for all of my schooling that I have attended in the past.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

Phone number : XXXX calls ( a XXXX number ) and says they are monitorning my credit and I can reduce my interest rates. Says they are chase bank, but I have no cards with chase, and chase should not be monitoring my credit. 

I am on national do not call registry so they should not be calling me
Consumer complaint received 2021-10-25
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: SLM CORPORATION (FL)

I did call Sallie Mae Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with XXXX XXXX Sallie Mae failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. SallieMae can't give me any information and XXXX keep telling me ''Sallie Mae responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? XXXX failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. XXXX failed this and for the 10th time. I am still unable to resolve this.

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.
Consumer complaint received 2021-10-25
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MA)

hyundai finance trying to bill me for excise tax on XXXX for car returned in XXXX told them they were the only people that could get an abatement as they are the owner of the car took them 6 months to apply for the abatement and they have recd there mony but are still lying and messing up my credit i repeat they got paid they made my 36 month lease into reporting paid as agreed an extra 5 months and then 3 more months as late payments wrong so they commited fraud knowing they applied for the abatement and continued to charge off on my credit report and they got paid listen i returned the car to hyundai in XXXX of XXXX im not the owner in XXXX they got ther abatement now fix my credit or
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (CO)

This complaint is about the lawsuit with Credit Karma that I heard about this morning on the news. I was also a victim of misleading information from them. They told me that my odds for being approved for certain loans were outstanding. So of course I fell for it and was denied as well as my credit score getting ( hard hits ). Now I am struggling to bring my credit score back up because of Credit Karma.
Consumer complaint received 2022-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

With updates to the PSLF and TPSLF programs, I am seeking stundet loan forgiveness again. 

I have always fully qualify for public student loan forgiveness, but over ten years keep getting more and more red tape.

I have worked for two approved employers working an average of 30 or more hours per week, made 120 qualifying payments, consolidated my loans with FEDLOAN Servicing, and provided all necessary paperwork. 

They keep forcing me to resubmit my application which means going back to my employers for them to fill out forms again, again, and again. 

They have my IRS information, EIN for employers, contact information for my employers, and EVERYTHING they need to make a determination.

Instead they continuously send me a vague general correspondence saying they need something else or something corrected on my application.

The U.S Department of Education and PSLF program is CRIMINAL!!!!
Consumer complaint received 2022-01-03
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. (NY)

The three credit bureaus XXXX, Equifax, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Consumer complaint received 2022-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (FL)

Acima is stating that on XX/XX/XXXX is when I agreed to electronically entered into the rental agreement but in the copy of the lease agreement it states that it began XX/XX/XXXX, but on my credit report its stating that this account was opened on XX/XX/XXXX these dates are all inaccurate and I request for this account to be removed from my credit report due to inaccuracy because I have the right to dispute any inaccuracies in my credit report.