davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DocuPrep Xpress (OH)

Docuprep Xpress has been getting money from me monthly, they say they will help me with student loan forgiveness but I'm not sure that this company will actually do that. They had me pay fees at the beginning and said that once a year someone would help me through a reapplication process but nobody has gotten ahold of me, and it has been about two years. Please help me! I'm not sure if this company is legitimate!
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (RI)

I applied for a card through raymour and flanigan on their website while in the process of saving for a home I wanted to use this card to buy furniture in the future, I was approved I have received a card and theyve been reporting to my credit agencies, but I have no access to this account I am victim of identity theft and have my current address and phone number listed on my credit report I also check it often, theyre reporting the {$3500.00} account but I cant do anything with it, They insist I have the wrong number to verify my identity via text message, I can prove my identity but they give no recourse and tell me my account will remain indefinitely suspended until I can get this text message??? Im mortified and now concerned my credit will take a significant hit if its suddenly pulled off especially since I want credit with them and to be able to use it in the future. 

I find it repulsive that theyre depending on text message to open a {$3500.00} account.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

My PA unemployment Reliacard was issued by U.S Bank. 
On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. 
I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. 
Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I have no access to my card or money. There are {$3100.00} were used in OHIO. But I live in PA and have never been to another state. 
I called the customer service and they keep hanging up my call while transferring my call to their fraud department. 
After attempting for a few hours they finally filed my fraud claim.

However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. 
Please help me with my unemployment money.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sterling Credit Corp. (PA)

On XX/XX/2020, XXXX XXXX of Sterling Credit Corporation, claimed to be collecting a debt on behalf of the XXXX XXXX XXXX for the amount of XXXX. They threatened that I would have negative reporting on my credit. 

They kept referring to me as XXXX XXXX when I am, in fact, XXXX XXXX. They refused to acknowledge this. Kept increasing making use of aggressive and threatening language and were demeaning. 

I said I was not able to make a payment and payment plan at this time, but I did intend to pay the debt. They refused to acknowledge this and claimed I was refusing to pay or acknowledge the debt. They proceed to state that they would report that I refused to pay the debt and would report that. This was a false statement on their part. 

I proceed it contact XXXX XXXX XXXX to see if, in fact, this was a legitimate third party. I have not heard back.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

ON XX/XX/2021, I RECEIVED A NOTIFICATION FROM XXXX THAT SYNCHRONY BANK HAD CLOSED MY XXXX ACCOUNT. WHEN I CALLED SYNCHRONY BANK, THEY TOLD ME THAT " IT WAS A MUTUAL DECISION BETWEEN THE CREDIT BUREAUS AND SYNCHRONY BANK ''. WHEN I TOLD THE REP THAT I KNEW SHE WAS LYING BECAUSE " CREDIT BUREAUS ARE CREDIT REPORTING AGENCIES, NOT CREDIT GRANTING AGENCIES '', SHE TRANSFERRED ME TO ANOTHER PERSON WHO THEN TOLD ME IT WAS BECAUSE " THEY MAY BE CLOSED WHEN THE CREDIT BUREAUS AND SYNCHRONY BANK FIND THAT IT IS NEGATIVELY IMPACTING MY CREDIT SCORE '' ( IT IS NOT, AND IN FACT MY CREDIT SCORE IS A XXXX ACCORDING TO XXXX  ON XX/XX/2021 ). THEN, SHE TRANSFERRED ME TO A VERY HELPFUL THIRD PERSON WHO TOLD ME THE TRUTH. THEY ARE RETALIATING AGAINST ME FOR A 14 Y/O ACCT THAT 1 ) THEY HAVE NO LEGAL RECOURSE FOR COLLECTING ON 2 ) IS WELL OVER 10 YEARS OLD. THEY CLOSED EVERY SINGLE ONE OF MY ACCOUNTS WITH THEM ( MIND YOU, EVERY SINGLE ONE OF MY ACCOUNTS HAS A PICTURE-PERFECT PAYMENT/SPENDING HISTORY ). THEY ARE UNFAIRLY TARGETING ME FOR ACCOUNTS THAT ARE OLD AND I HAVE PROVEN TO THEM BEYOND ANYONE 'S REASONABLE DOUBT THAT I CAN PAY AND HAVE PAID MY ACCOUNTS ON TIME.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

Home Depot and Citi Retail fraudulently enrolled me in their Balance Protector Program without my knowledge or consent. My husband  and I are both retired and have been for the last 10+ years. However, Citi Retail ( who manages the Home Depot credit card ) claims that we signed up for the program in XX/XX/XXXX. This would not have made sense for us since the Program 's purpose is to guard against loss of income ( which does not apply to retirees ). We have no recollection of this nor did we ever agree to or sign any paperwork to consent to being enrolled in the Program. 

We discovered these Balance Protector Program fees ( averaging $ XXXX $ XXXXmonth ) in XX/XX/XXXX and called Citi Retail to cancel the program and request a refund of the program fees paid. Unbeknownst to us, we have paid a total of {$410.00} in program fees to date. We have contacted Citi Retail and the Balance Protector Program repeatedly to request a refund/credit for these fees ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and yet no refund has been granted and we continue to get the misdirected to other divisions or 3rd parties. Please help us resolve this dispute and get these program fees credited to our card.
Consumer complaint received 2019-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC. (TX)

Dear Summit Funding, according to title company record and XXXX, you as a mortgage lender issued a conventional mortgage loan for an amount of {$370000.00} to Mr. XXXX XXXX and Ms XXXX XXXX which was recorded on the XX/XX/2018.  The loan was issued by Mr. and Mrs. XXXX to purchase the property addressed at : XXXX XXXX XXXX, XXXX, TX XXXX, for which I and my spouse are the legal owner. 
The seller of the property was MsXXXX XXXX XXXX. 
The mortgage loan was serviced by XXXX XXXX XXXX and is recorded by them in XXXX. 
Can you please as a lender, explain me the reason of issuing fraudulent mortgage loan to straw borrowers where our property has been used as collateral? 
This is a very interesting area that I am researching these days. Is this only for flipping? Or is there any other mortgage fraud scheme that I am missing. 
Your feedback will be highly appreciated. 
Thanks in advance.
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. (TX)

I wrote Equifax on XX/XX/2018, XX/XX/2018, and again on XX/XX/2018. Still to this date they have not removed these unverified accounts.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Citi XXXX notified me once again of a reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of citi Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should go after company such as these for acting a predatory manner especially in the middle of a pandemic. Shame on them! 
XXXX XXXX
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TN)

I received an offer to Pay your cable and cell phone bill the easy way and earn a one-time offer of XXXX Rewards XXXX1 when you set up automatic payments or pay one bill at a time with your Fidelity Rewards Visa Signature Card by XX/XX/2022. Contact your providers today to get started. 

On XX/XX/2022 I made a {$25.00} payment to my cell phone carrier XXXX ( XXXX XXXX XXXX ) I received a letter today stating that it did not qualify. XXXX is a cell phone service provider
Consumer complaint received 2020-10-03
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)

To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.
Consumer complaint received 2022-08-09
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)

Hi back in XXXX I was shopping at the mall and realized I lost my wallet. I filed a police report to report and hopefully a recovery of my wallet. I notice accounts that was opened in my name in XX/XX/XXXX. I'm convinced this has something to do with my wallet being stolen in XXXX of XXXX. They opened 3 accounts without my knowledge, nor consent. I have never spoken to anyone, nor have I signed any documents to open these accounts. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX I am requesting these accounts be removed immediately. Also these hard inquiries I did not authorize for anyone to run my credit XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX. 

I did further research online to see how these accounts were reported. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account
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 — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

My credit report showing XXXX and XX/XX/2021 i was 30 days late with JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX, NY XXXX .I was victim of XXXX XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to JPMCB credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I recently viewed my credit report and noticed a XXXX XXXX Bank Self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Consumer complaint received 2022-09-16
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. (NV)

The Credit bureaus stated that my account with XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, I did not open this account this year! This is grounds for removal from my credit report. The BBB and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent off letters to Equifax, XXXX, and XXXX to remove inaccurate personal information that doesn't belong on my credit report. FCRA 15 U.S.C. 1681 states I have the right to privacy, accuracy, and fairness. Also, 15 U.S.C. 6802 states that a financial institution may not share my information to third party people. These are clear violations of my federally protected consumer rights. 

Below are my tracking numbers as well as the inaccurate names, addresses and employers information on my report. Please see the correct current name, addresses that are to be reported. 


Tracking Number XXXX Tracking Number XXXX Tracking Number XXXX Correct spelling of my name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX. XXXX, TX XXXX Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX  Incorrect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Incorrect Employers : XXXX XXXX XXXX and XXXX XXXX  XXXX & XXXX.
Consumer complaint received 2022-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (FL)

Hello, I was applying for a HELOC with M & T Bank. I repeatedly asked for details of the loan and was not told of the interest rate or even given a copy of the loan documents until the notary came to my house with a copy. I was supposed to read over 100 pages at signing? 
Complete scam. Loan originator stated there are couple hundred dollars in fees and all of as sudden there was over XXXX in closing costs. I ended up not signing the documents. I gave them all my financial information, they came to my house and did an appraisal which i requested a copy and they did not provide. I repeatedly asked for the loan documents through out the process so i can review them and they said i was not able to obtain a copy, yet the notary had one? 
I asked for a copy of the appraisal and made a request and was never given that either. They even made me change my insurance to cover them.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (OH)

My payments come out biweekly on the XXXX and the XXXX of the month in the amount of {$50.00} by ACH withdrawal. On XX/XX/XXXX, I accessed their website and my account and paid the XX/XX/XXXX payment via ACH that day. The XXXX  payment cleared my bank on XX/XX/XXXX. However, another ACH debit in the amount of {$50.00} was taken out of my bank account again on XX/XX/XXXX. When I called the company, they stated it was because it takes 3 to 10 business days for payments to clear, so they also took out the prescheduled payment of the XXXX also. They then said that once the payment on the XXXX clears, it will be applied to the XX/XX/XXXX payment and the one they withdrew on the XXXX would be applied to the payment due on XX/XX/XXXX. I repeatedly told them they did a 2nd withdraw from my account without my permission and demanded they stop the withdraw or refund my money. They repeatedly told me they had no way to do either and that the 2nd payment would be applied to the XX/XX/XXXX payment date. I talked to 4 reps and got conflicting information. They tried to backtrack when I threatened them with legal action and said that they could consider the payment on the XXXX as an extra payment ... even though they admitted to withdrawing the same payment 2 times. The last rep I talked to said that they could indeed refund one of those payments but not until they both cleared. If the 2nd withdrawn on the XXXX will not clear for 3 to 10 business days, what is the guarantee that the same thing will not happen on the XXXX? I advised that since they did not offer a solution and they repeatedly gave conflicting information, that I would be contacting all agencies that regulate their business and pursuing legal action. I have screenshots of the last 2 conversations as the 1st two were by phone. However, Acima does advise that they are recording their calls. I have now had to put a stop payment on my account that cost me {$30.00} and have an overdrafted account.