davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.
Consumer complaint received 2023-04-07
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or 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 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

XX/XX/XXXX ; Wells Fargo withdrew XXXX from my personal checking account XX/XX/XXXX ; Wells Fargo withdrew XXXX from my daughter 's personal checking account This was based on... 

XX/XX/XXXX ; my partners in XXXX XXXX XXXX ; opened a Line of Credit without my information since I left the company and was working for another employer XX/XX/XXXX ; XXXX XXXX,, CEO of XXXX XXXX XXXX ; requested settlement of the Line of Credit XX/XX/XXXX ; I came back to XXXX XXXX XXXX to shut down the organization ; requested Wells Fargo Compliance to review the fraudulent Line of Credit account since I never signed the agreement; this is when I discovered someone applied my electronic signature, so I requested a log of how this electronic signature was obtained. 

XX/XX/XXXX ; XXXX XXXX XXXX received noticed from compliance that the LOC was closed ; and they sent a check to XXXX XXXX XXXX for the inconvenience regarding this matter XX/XX/XXXX, I requested that the LOC be written off the books for XXXX XXXX XXXX since this smatter was settled XX/XX/XXXX ; I shut down the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX, I received settlement letters from Wells Fargo for the Line of Credit for {$5000.00} ; I ignored based on the understanding this matter was closed XX/XX/XXXX, I received a letter from Wells Fargo collections XX/XX/XXXX ; I requested a review of this matter ; Wells Fargo told me to get legal representation XX/XX/XXXX until XX/XX/XXXX ; I tried to find someone to help and did not know where to begin to request help; until I heard about consumerfinance.gov on the radio
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I returned items to the store in XX/XX/2022 and part of the refund ( {$31.00} ) was credited to the credit card balance and part was a mailed tender of ( {$62.00} ) to my home. This has never happened with this company before. When the bill came in XXXX, a check for {$27.00} was sent for a purchase I made in XXXX and also the mailed tender of {$62.00} to pay the total on the card balance. The mailed tender was not used and I am now being billed for the {$62.00} and interest and late fees every month. I have spoke to people on the phone, sent multiple e-messages online and sent 2 letters with copies of my receipts and explanation of the payment asking to rectify error. Now I am being threatened to be sent to collection for items that were returned to the store.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (MS)

This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear PayPal and PayPal Credit : Both should be responding this complaint and one should not be without the other for this issue or matter is in nature to a disputed filed and submitted in a timely manner in which they failed to do anything about it as I have produced and provided them with all timely related records and communication until the point that I will not continue to do any further business with either party until they can show me that I received what they are trying to charge me for or hold me full responsibility for.

PayPal Credit knows that I notified both parties PayPal and PayPal Credit and I rebuttal and disputed this charge that is on my statement.

I am only going to pay for only merchandise that I have received point blank and in accordance with the Federal Debt Collection Act that is only what I am going to do. Therefore, PayPal Credit has no reason to contact me any further because I don't have a debt with their office or their account.

Show me what I am being charged for that you think you can add interest and late charges on.

Claiming that a timely filed dispute by the consumer did not work out in such consumer favor is bogus when the consumer notified the creditor for the credit to immediately notify the merchant and request the merchant to produce the product which you are trying to make the consumer be responsible for and the merchant can not produce the software or software package under warranty which such charge is supposed to be legit. I don't pay for anything that I never received and if they allowed it to go on or go through it is the merchant or credit institution 's duty and responsibility to address, deal with, and correct it. 

This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks, XXXX XXXX XXXX : Consumer Financial Protection Bureau
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Upstart Holdings, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Please Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
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: U.S. BANCORP (PA)

Fraudulent charges were made in XXXX XXXX by someone who is not me. Initially, the bank refunded the charges. Then after their " research '', they recharged all the charges except XXXX. The difference is approximately {$700.00}. 
I was told today that the " research showed '' the card was " used in person '' despite being with me in XXXX  There were charges by me in XXXX, XXXX XXXX  where I work ) the day before the fraud and I called to claim fraud the day after they posted. 

I have canceled the card as of today.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I opened a citi checking account online on XX/XX/2022 after receiving a promotion letter from Citibank. The promotion letter stated that I would earn {$200.00} to {$2000.00} cash bonus if I deposited {$10000.00} to {$300000.00} to the account within 20 days of account opening. By XX/XX/2022, I had successfully deposited {$11000.00} into the account through bank to bank transfers from my accounts with XXXX and XXXX. However, on XX/XX/2022 I was informed by email from Citibank that my account would automatically close within 60 days. I called Citibank 's fraud department for the reason but the representative could not provide any. I visited the local branch of Citibank near my home several times to seek help but the banker over there could not help much either. The banker checked my XXXX bank statement showing the record of fund transfers and also sent it to the Citibank 's fraud department. Up to today ( XX/XX/2022 ), my {$11000.00} is still being held by Citibank.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (FL)

Commencing on or about XX/XX/2021 through XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX, XXXX ( the Fraudsters or Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the client losses to gains.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WV)

Spoken with Chase representatives the night of XXXX, They asked me if I would like a new card I declined stating that the issue has been handled and that they should not make any actions on my account. On the morning of XXXX I was informed that Chase has went against my request and deleted my accounts and card information in the process of doing so they are currently garnishing funds from the state and my job and isn't allowing me to have access to my fund or distributing these fund to me at all. I am currently going through financial hardship and have made they knowledgable about this months prior.
Consumer complaint received 2022-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

My loans were transferred in XXXX from XXXX XXXX XXXX  to MyFedLoan, after I submitted a request to complete PSLF. My ending balance from XXXX when this transfer occurred was : {$100000.00} Upon further research, I requested a refund for payments made between XX/XX/XXXX and XX/XX/XXXX ( which was the last date I made payments towards my loan ). The amount equals, {$8600.00} towards loans that were NOT closed out. 

On XX/XX/XXXX, I requested to MyFedLoan a refund of these payments, they needed documentation from XXXX of my payment history, which I provided from XXXX, and highlighted the payments which qualified for this refund. I was told ( after calling several times ) I was eligible to receive {$7700.00} as a refund, which should take 2 weeks- 2 months. The amount was added back to my loan balance, equally {$110000.00} -- NOT " pending '' - simply readded back to my balance. 

After I kept calling, received SEVERAL different answers from several different reps, I was told this is normal and the refunds are taking more time due to an influx in requests. I then learned that one of my payments on XX/XX/XXXX of {$900.00} was not initially counted towards " payments I can get as a refund '' and I requested that one to be added in XX/XX/XXXX. I received a check for {$900.00} a few weeks later and my new student loan balance read {$110000.00}. I continued to call MyFedLoan with attempts to have this issue escalated in order for me to receive this payment of my refund, without a resolution. I was then told my loans would transfer to XXXX on XX/XX/XXXX ... and they still currently do not have my information until XX/XX/XXXX. 

I am submitting this complaint, as I am still owed {$7700.00} that was requested in XX/XX/XXXX. I am not sure where to turn at this point, but have been scammed out of this money - repayments will be resuming soon, with accruing interest, on this amount that I have not received back. 

Please advise
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (MS)

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 homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (GA)

I am a natural person, a living human being.

I have rights under law 15 USC 1681, And they have violated my rights several times.

I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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: 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 XXXX has me at a score around XXXX. 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 transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (WI)

Rocket mortgage assumed my loan as the mortgage servicer, this mortgage has been in force for approximately 5 years. The escrow disbursement for payment of property taxes has always been received by check prior to XX/XX/XXXX of the current tax year for payment. I received my XX/XX/XXXX billing statement on XX/XX/XXXX. ( statement date XX/XX/XXXX ). Under the escrow it indicated that there was XXXX disbursement, I called Rocket Mortgage service help line ( XXXX ) XXXX and spoke with XXXX. She acknowledged the expected disbursement date of XX/XX/XXXX in the account notes but did not have a reason or any further information as to why my tax escrow check had not been sent. She did state that it should be sent before the tax due date in XXXX. I explained that the escrow check needed to be received before XX/XX/XXXX. Then paid for tax purposes as had been done for all other prior years. I requested that the escrow tax check be overnighted by XXXX, She stated that she would forward the concern to the Tax and escrow department ( I was told that I could not speak directly to them as they were not customer assessable ) and they would call back within XXXX if not that same day. I was called back by XXXX XXXX. XXXX hrs later, she restated that the escrow for taxes would be sent prior to the due date in XXXX and had no further explaination but said that the tax and escrow department would now call back within 48 hours if i wanted them to, I said I needed to speak to them now as the deadline to pay my property taxes was within that 48hr window. She again stated that that department couldn't be accessed directly by the customer. I then asked if there was someone to lodge a complaint with either with the company and/or federal regulatory agency. She said no that isn't something she was aware of and knew of no other contact numbers. I stated that I would do the research myself and that how this CFPB complaint came about
Consumer complaint received 2022-08-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have maintained excellent payment history and in good standing on all of my accounts. My credit scores across XXXX, XXXX and Equifax were in the XXXXXXXX XXXX when I applied for a new credit card in XX/XX/XXXX. I experienced a small drop in my score of XXXX points but my score quickly bounce back with regular payments. In XX/XX/XXXX, I suddenly experienced a XXXX drop in my Equifax credit score from XXXX to XXXX. I did not experience any such changes with XXXX or XXXX. I pulled my Equifax online credit report XX/XX/XXXX and there was no incorrect information to explain the change. I thought maybe the information might be delayed in reporting and I reran my credit report on XX/XX/XXXX. While my credit score did go up to XXXX, there was nothing on my credit report to dispute that would have caused the critical XXXX point drop. I reached out to Equifax by phone on XX/XX/XXXX to inquire as to why I had such a significant drop and they also could not explain the change. I was told that it is how their credit scoring worked and there was no way to dispute it unless I found incorrect data on my actual credit report. This is a critical issue because I dropped from a rating that is consider " very good '' to " poor. '' and this impacts my ability to obtain a loan with a good interest rate or even able to get a loan at all. Their answer for me to " continue with making my payments on time and monitor for any erroneous information '' does not explain what happened and there is no repercussions for erroneous reporting by Equifax. I did request to speak to a manager but they were not available. I also filed a formal complaint with Equifax to investigate but they were not able to give me a reference # for my complaint. I was simply told that it had been documented and they would send me a report of it. I am outrage that I am being held hostage to Equifax and they have no responsibility to the Consumer. Specifically that I learned back in XX/XX/XXXX, the company reported a " coding glitch '' that impacted the Consumer 's credit scores and there appears to have been no steps taken to correct this.