davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I submitted my XXXX forgiveness application in XXXX of XXXX. My payment count was updated in XXXX with qualifying payments of XXXX. I called in XXXX and asked the customer service person if there was anything else I needed to do. She informed me that I needed to submit the spplication again for forgiveness. So I submitted the form again. I have checked on my application and my form has been canceled as a duplicate form. I emailed them as I am unable to get human on phone, to see where the process is at as my count of payments has met the required number for forgiveness. Their responce was I have employment certified through XXXX and Your employment and payment counts will be updated with every updated form submitted. If your XXXX application is approved, then you will be notified that the entire remaining balance of your eligible Direct Loans will be forgiven, including all outstanding interest and principal. My issue is my payment count was updated in XXXX and approved and yet my loans have not been forgiven and the additional forms resubmitted were canceled. I would like an update on my account as its been XXXX months since payment count was updated and approved. My loan should be forgiven.
Consumer complaint received 2021-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NC)

I reached out to XXXX several times on these two hard inquiries on my credit report that was fraudulent I have FTC reports filled out and a police report with the police report number saying Ive been having problems where I been exposed to fraud where my personal & sensitive mail been opened and exposed! Ive told XXXX I didnt apply for anything with Sears/CBNA on XXXX XXXX nor at XXXX on XXXX XXXX. Ive faxed them over extensive documents and mailed extensive information to XXXX regarding this matter and they still want react to the recurring problem Im having I even called the company several times. Also the documents I mailed XXXX is saying they didnt get them and I have my social security number & date of birth, home address etc! in that mail letter that they saying they didnt get I even verified the address where to send the dispute letters with an XXXX employee in the dispute department! Also I had called the post office they verified my letter was delivered! I just need these hard inquiries removed that was fraudulent put on my credit file and to find my personal mail that was sent to XXXX!
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (GA)

My card was hacked back in XXXX of XXXX I immediately got in contact with my card holder and told them my card had been being used without my consent it was used in several different XXXX  stores in different cities and XXXX XXXX XXXX as well as in XXXX XXXX in XXXX the dates of these transactions range from XX/XX/XXXX - XX/XX/XXXX I still had possession of my card so both my transactions and the fraudulent transactions were going on at the same time because the card was never physically taken it was copied when my check deposited for that week is when I noticed the discrepancies in my account and immediately called to cancel the card as to that was the only alert I had on the account at that time they told me it would take XXXX business days or longer to resolve the issue and I could get a line of credit for my money but that never happened. They eventually sent a letter saying no error was found in my account and nothing would be returned they later sent me some kind of computer generated investigation only regarding transactions they never disputed XXXX transaction with neither of the stores I told them about they disputed claims I didnt even mention theyre saying all transactions were valid because all of them were in sequence with XXXX another but as I told them my card was never physically stolen only compromised thats why you see transactions being made on my behalf and the thieves behalf at the same time as I told them Ive never been to any of the locations that were reported to be fraudulent
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kwikcash, Inc. (CA)

In XXXX of XXXX, I got a notification on my credit report of a loan fraudulently taken out under my name and information that I did not take out. Also saw that they ran my credit as an Inquiry on XX/XX/XXXX, again they also ran my credit on XX/XX/XXXX, and again on XX/XX/XXXX without my consent. I had not checked my credit or opened an XXXX until XX/XX/XXXX. I was unaware of this activity because I hardly request credit. During this time I was under XXXX XXXX with very limited income as I did not have a reason or need to request credit. The Original Creditor KWICKCASH Inc. ran my credit fraudulently at XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX gave out a loan to someone under my information of over {$2000.00} and failed to do their due diligence to ensure it was in fact ME requesting this loan. I contacted by phone & attempted & explained this is not my debt, not my loan and that I NEVER have taken out this loan. I requested for them to supply as to where I supposedly signed for this loan, and to provide what Identification they used to give this loan to someone else? They refused to provide that or acknowledge that their staff did not do their job to verify Identification prior to taking out a loan. All they instead said was to pay a collection of Identity theft that is not mine, and to go to my nearest police dept. Yet they failed their burden of proof to provide the documentation that was used by their employees to give out this loan to someone using my information. This has resulted in my credit scores to drop and affect my credit profile significantly. I have numerously tried to dispute this Identity Theft on the credit bureaus, but they keep reporting this non sense. KWICKCASH INC. finally sold this collection off to XXXX XXXX XXXX, XXXX opened XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. Fraudulent Loan is at {$2400.00} at this time. It's taking me some time to get advise or get advise on how to get this resolved as I can't afford an attorney nor ever have gone through an Identity theft issue as this is the first time I have ever dealt with this before and felt lost after so many attempts to dispute with KwickCash Inc. and XXXX XXXX XXXXXXXX XXXX My goal is to have this resolved by deleting this fraudulent debt off my Credit Profile and all 3 Bureaus and for them to be adjusted and properly removed. I suspect that either the employees at KWICKCASH INC did not do their job ethically and responsibly or their own employees intentionally assisted in taking this loan out for someone they either knew or to help a criminal take it out to just make their commission, similarly to what XXXX XXXX and XXXX did back in XXXX of opening fraudulent accounts, except now the small financial companies like KWICKCASH Inc. are doing it. Please help. A Fraud Alert has been placed with XXXX and am doing my best to further resolve this.
Consumer complaint received 2021-11-17
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)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section XXXX of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section XXXX ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2016-05-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DC)

This involves a general-purpose Citibank credit card. I pay my statement in full on the due date every month and so am never charged interest on my credit-card purchases. I recently took out a " Citi flex loan, '' which carries a XX/XX/XXXX interest rate and must be paid back monthly over a number of years. The loan balance is added to your outstanding credit-card balance. I tried to make an extra payment to the flex loan, above the minimum payment required, to reduce the interest that I will pay, but Citibank says that any extra payment must first go to outstanding credit-card purchases because those carry a higher interest rate. But my next credit-card statement is not due for XXXX more weeks, so I am not being charged any interest on those credit-card purchases until then ( and will never be charged any interest, since I always pay my statement in full ). I am, on the other hand, being charged interest on the flex loan. It is very misleading and unfair to say that an extra payment must go to the credit-card purchases -- supposedly because they carry a higher rate -- when that rate is not being charged because the statement is not yet due. And there should be a way for Citibank to apply an extra payment the way the consumer asks them to -- in this case to the loan that is currently charging interest rather than the credit-card purchases, which are not accumulating any interest. Instead, Citibank pretends like it is acting in the consumer 's best interest by applying an extra payment to the " higher interest '' credit-card purchases, when in fact by doing so Citibank continues to earn interest that it should not on the flex loan.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (MD)

Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. 

Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies.
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (IL)

I drive 40 minutes, 1 way, to the bank every week I get a nasty letter. XXXX. I get XXXX direct deposit and they for 5 months denied me online access or any access to account although my XXXX is through social security number. Twice I went in and XXXX at Wells Fargo says it's resolved. XXXX. I get a letter for safe deposit box although social security is corrected. XXXX. I went in but couldn't be seen. XXXX. I made appt and have card. I went in. Wells Fargo doesn't have appt. I wait. XXXX, teller mgr is not working. Only 1 teller. XXXX illegals come in to open account. XXXX tells them all they need is social security number BUT SHE KEEPS HARASSING ME, THREATENING TO CLOSE ACCOUNT, CLOSE BOX, REFUSE APPT, HAVE ME WAIT EACH WEEK. IM BEING DISCRIMINATED AGAINST. Now XXXX said it's my address-My address is through Attorney General.
Consumer complaint received 2022-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (FL)

On XXXXi applied for an auto loan from XXXX XXXX XXXX XXXX XXXX  in XXXX.I was told I was denied by pnc bank.i contacted pnc bank to know reasons of denial and was told factors on my credit.i explained to pnc that these are factors but are not determining factors.according to law cfr 12 part 1002 b no applicant can be discriminated against for any aspect of a credit transaction.pnc bank also are in violation of usc 15 1611 1-3 of willfully and knowing violation being under the truth in lending act.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC (KY)

Received call from person who simply stated their name was ( ******* ) and asked if they were speaking with XXXX XXXX. 

I told them yes, who are you calling from? 

She then immediately read my physical home address to me in what amounted to an attempt to threaten me in a passive aggressive manner ( we know where you live, etc. ) It was only THEN she announced she was a debt collector and the line was being recorded, etc. 

I then informed her the debt was invalid as it was not something I was familiar with and told them not to call back. I have since blocked the number. 

I believe the order in which the call played out was illegal based on consumer debt laws, as well as the passive aggressiveness of presenting my physical address right off.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (VA)

On XX/XX/22, I reported unauthorized transactions with Apples Goldman Sachs card. There was nearly {$3000.00} in purchases applied to my card which occurred inside of an app from XXXX. It has been more than 2 months and now I am receiving messages that my dispute was not in my favor and the charges are reappearing on my card. I had just paid off my card prior to these charges being made and the company is not willing to see my view on the matter.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (NM)

I am not able to get into my online account for Direct Express. When I call the number on the back of my card I am asked to enter my PIN number. I don't enter my PIN number i am hung up on. I can only hear XXXX transactions on the phone. I have to wait on hold for XXXX to XXXX mins to speak with someone. My card does not work at the gas pump. I get charged for purchases I did not receive. I am not refunded and I can't get any help.
Consumer complaint received 2021-11-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am getting very frustrated in regards to my dealing with the stated companies. I have stated my truth about alleged accounts that are being furnished on my consumer report and i feel as though these companies have not done their due diligence in investigating the matter and have failed to give me proper documentation on why and how they came to there conclusion. i believe i have my rights as a consumer and i will like for those rights to be respected by the companies who pledge to respect them.
Consumer complaint received 2022-04-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-11-17
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. (FL)

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. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX 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. Below is the list of the erroneous account reporting on my Credit Report and need to update from reporting : XXXX XXXX {$1500.00}
Consumer complaint received 2021-11-17
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. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports without any third party involved. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them a letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries 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 creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX