davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP (MO)

U.S Bank is refusing to give me my money back even though XXXX admitted that there are unauthorized charges on my account. I am blocked and can not access my own XXXX account because of the unauthorized charges totaling {$13000.00}. They have also used the excuse that I should have reported the fraud within 60 days, otherwise, they could have helped me, but they did provide me {$5300.00} in credits from XXXX, even though those fraudulent charges happened way longer than 60 days ago as well so their excuses are not valid. I no longer feel safe banking with them and if I do not get my money back, I will be switching banks.
Consumer complaint received 2022-08-21
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. (AR)

XXXX, XXXX, AND EQUIFAX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. 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. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (VA)

i was reviewing my credit report and notice an inquiry for a XXXX store card on XX/XX/2022. a few days went by and i disputed the inquiry and it wasnt removed. i then disputed the inquiry 3 other times and it still remains. i contacted XXXX who then closed that account but never removed the inquiry from my equifax report. i explained to them that the person who opened the account lives in CA and that it was not me. im a victim of identity theft
Consumer complaint received 2022-07-27
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)

CFPB and Equifax I did not get an answer the question { about why you Equifax was sending Disputes In general to XXXX } in their response they go around the question and never answered it again I request an answer to the Question XXXX how can a case be closed with NO answer please reopen this case
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

I pay my credit card bill each month to avoid the 19.99 % interest charge. Last month, while paying my bill on the Citi bank website, a pop up offered a {$20000.00} flex plan loan with an 8.99 % interest rate. I took the loan to help pay for my sons post education. I received my bill and paid the balance of my purchases for the month plus the plan payment amount for the Citi flex loan. I received my next bill and there is {$98.00} in additional interest not related to the loan. I call Citi. Thirty-two minutes later, the Citi rep confirms that although the loan plan payment amount is itemized separate on the bill, the application of the payment results in being charged the higher 19.99 % interest rate on the purchases. In other words, the 8.99 % loan results in being charged 19.99 % on the purchases UNLESS the bill is paid in full ( both the loan and the purchase balance is paid in full ). Which means that while the loan balance is technically 8.99 %, youre payment is being applied in a way which results in an overall blended rate that is much higher. The only way to only to use the loan as sold, is to take the loan and NEVER use the card again until the loan is paid off. This is all very confusing, but certainly unethical. I asked for an email to complain. She said there was only a PO address. I can not believe this is legal and being pushed on consumers. Im educated, worked XXXX XXXX XXXX XXXX, and I am sure many others who carry balances are being hoodwinked into increasing their debt at interest rates while beyond what was sold to them. She mentioned fine print. I honestly dont recall anything more than clicking accept, but even if I did, there is no way this is being explained in a way which is ethical.
Consumer complaint received 2018-06-01
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. (WA)

My name is XXXX XXXX. I have sent several Goodwill adjustment letters, disputed all three bureaus and contacted XXXX XXXXXXXX for validation and proof! They have overlooked every attempt I have attempted! They are violating my rights and arent willing to help me!. These dates that theyre saying I was 120 late were XX/XX/XXXXthru XX/XX/XXXX and late 90-119 days in XX/XX/XXXX, then late again supposedly XX/XX/XXXX @ XX/XX/XXXX 120 days late. I have never been late and they will not budge. All of these are closed accounts my loans were all brought and Im in good standing! These dates are all closed accounts that I wasnt late on.
Consumer complaint received 2022-08-21
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 an identity theft victim these items listed are a direct result of identity theft. Contacted bureaus XX/XX/22 and yet to get a repsonse. 

XXXX and Equifax are in Violation ( ii ) Title V of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 through 6827 ) Accounts are affecting the ability for me to purchase a home for me and my family. 

Equifax XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX BANK XXXX XXXX Account number XXXX XXXX : Account number XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO PREVIOUSLY REQUESTED THAT IF YOU ALL CHOOSE TO INACURRATELY RESCIND OR DENY MY INITIAL REQUEST, THAT YOU ALL SEND COPIES OF PROOF OF MANUAL VERIFICATION METHOD FROM THE CREDITORS. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information As of today, I've yet to get any of this information
Consumer complaint received 2022-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc. (SC)

I would like to file a formal complaint against Giggle Finance based in XXXX, FL. Giggle Finance is a company that gives short term loans to help XXXX XXXX with their business expenses. However, the terms of the " loan '' are not very clear. From my understanding they lend money in exchange for future revenue from your business that is paid in weekly payments. I applied for {$500.00} and when the money was deposited the origination fee was automatically debited so I did not receive the full {$500.00} that I originally was approved for. The company is known to be a predatory lender with very high and confusing interest rate amounts. I recently contacted the company after an issue with their system caused a payment to not be withdrawn. The problem was corrected and then I requested a copy of all payments that I have made up until now ; which the company complied with. However, when the company sent the information over to me they told me that they can legally report missed payments after just one day, which I know to be completely false and against the law. Please see the attached image containing the text message from a company representative stating the 1 day missed payment reporting. I then advised them that I would seek the services of a lawyer if they continue to give false information, to which I was told that if I missed a payment I would incur a default fee of {$1500.00}, to which I had no knowledge of and I believe is illegal. Also have proof of a company rep telling me about this below. Giggle Finance is a predatory lender with unclear business practices, and I hope that consumers are made aware of this company.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

I am currently banking with chime. I started to see funds that I did not authorize being taken out of my account on XX/XX/2022 through third party accounts such as XXXX and XXXX ( which I have personally shopped with ) and online retailers that I have not shopped with before. I never received my physical debit card with this bank and only relied on the one you can view in the app. I reached out to XXXX  which I instantly noticed reoccurring payments being placed and was advised via phone to allow the transactions to go through then settle it with my bank as it could possibly affect my good standing account with them while it get sorted out. XXXX is a company that allows you to buy items and pay for them every 2 weeks until it's fully paid off by 2 months. During this time, I was experiencing personal issues with harassment from work and a death of a friend which hindered my ability to fully monitor what was happening. Ultimately, I had {$970.00} of unauthorized transactions with my chime checking and {$45.00} on my chime credit to be missed. I reached out to chime. I explained to them that I never received my physical debit card but, I did have my credit card physically on me in my phone casing at all times. They did a dispute, gave me a credit of {$45.00} for my chime credit within a day and denied my debit unauthorized charges twice even with the limited proof I showed them in regards to reaching out to my store manager and store lead to possibly pull up cameras as that the only place I go to aside from work. It took them 8 days to give me documentation on why they denied my claim which I had to update them on after not hearing from them after 7 days. In the documents, they stated that the charges was reoccurring which XXXX is a reoccurring charge and also that I said my checking debit card was stolen which I never said. I stated it was never received. They also stated that my chime was attached to these companies database and looked similar to my authorized transactions which don't make any sense given that card information is indeed normally stored to sites like XXXX and XXXX. They did not uphold to regulation E as well.
Consumer complaint received 2022-06-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Accounts listed below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX Unauthorized Hard inquiries XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-21
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: Conn's, Inc. (NC)

I HAVE BEEN TRYING FOR ALMOST 2 YEARS TO GET SOMEONE TO DO THE FOLLOWING : 1. EXPLAIN TO ME WHY THIS DEBT WAS PLACED ON MY CREDIT REPORT 2. WHY DO THEY KEEPUPDATING IT LIKE IS FRESH INFO, NOTICE THE DATE OF XX/XX/2022 XXXX. THE PHONE NUMBER THEY HAVE LISTED, NOONE ANSWERS NOR DO THEY CALL YU BACK ESPECIALLY On SATURDAY MRNING 4. I HAVE FILED THIS TWICE IN TW YEARS CAN'T EVEN GET ANYNE T LISTEN To THIS BEING A FRAUD SITUATIN
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED, XXXX XXXX XXXX Opened XXXX {$150.00} XXXX XXXX XXXX Opened XXXX {$670.00} XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX Opened XXXX {$2500.00}
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/2022. My Barclay credit cards were abruptly shut off due to what they call a security hold and review. Barclay credit card company is now requesting to review my tax returns. 
My credit score is almost an 800, I have never been late on a payment and always pay my balance before the end of the billing cycle. I have been a card holder for at least 4 to 5 years. I can not get any answers from them. I can not get the paperwork faxed over that they want due to their one fax machine constantly being busy for five days straight no matter what time the fax is sent throughout a 24 hour period. They have all my online access shut down I can not even review my balance. I feel like this is getting done purposely because I am using the card quite often getting a lot of points and they are not making any money off of me extra with their interest rate.
Consumer complaint received 2022-07-27
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. (SC)

I received a copy of my consumer report from Equifax and noticed several incorrect items listed under my personal information section, as well as accounts. I sent in a request for validation letter for these accounts as well as an updated list of the correct name address and other personal information around XX/XX/XXXX to Equifax dispute center in XXXX, XXXX  These request were ignored. None of my information was updated. The false accounts were never properly investigated and refurnished on my report, drastically dropping my credit score. I explained that under the FCRA, permissible purpose states that accounts XXXX be reported only with the written consent of the consumer involved, which at no time was ever given. Also the FCRA clearly states that any and all accounts furnished on a consumers report must be validated and investigated with proper documentation deemed compliant with the FCRA. At no time was any documentation produced for any account that was listed. I sent several letters stating there were several violations that they were committing on my behalf and their negligent noncompliance has caused several hardships in my life emotionally, financially and relationship wise. As a result I have suffered from several denials and and have been limited in life. I beg for help, please someone hold them accountable for their actions. Its never ok to break the law! The year XXXX is half way over and I am still fighting for my rights as a consumer.
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (MD)

Please remit my 1099-C so I can properly do my tax return. Once received please send the completed 1099-C to XXXX XXXX and the treasury. Also send documentation that you sent the 1099-C over to the treasury. Also, send back all legal tender because that is not a lawful form of payment. The securities you accumulated from the asset backed note should take care of that. The obligation of debt goes to THE UNITED STATES OF AMERICA. XXXX XXXX signature on the document also proves that the debt is already paid for. This was not expressed to the entity upon signing. If you dont understand please read the emergency banking act of XXXX and Indenture Trustee act of XXXX. Do not take any adverse action or lawful action will be taken. Respond as soon as you get this preferably within 7-10 business days. Thank you.
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

My loan servicing company, The Money Source, after receiving my payments ( and if the payment amount is more or less than my exact amount due ) puts those funds in a " suspense '' account. 

I have had multiple loans serviced by multiple servicing companies in the past and I have never seen this behavior before. Normally, if the payment is less than the payment due then the amount of the payment automatically reduces my amount due by the amount of that payment. Further, normally, if I make a payment in excess of the amount due, the payment is applied to my principal balance. 

Instead, The Money Source puts the funds into a " suspense '' account and the money is applied to neither my payment due nor my principal balance. I believe this should be illegal behavior because essentially The Money Source is putting my money in an interest bearing account of their own ensuring # 1 I am not paying less interest by having my loan balance reduced and/or # 2 My payment amount is not reduced. 

The payments I send to The Money Source are my funds and should be used to reduce the burden of my loan. Not to earn The Money Source interest and benefits above that due to them as the servicer of my loan.
Consumer complaint received 2022-04-23
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # ending in 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 a account without my written instructions Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status XXXX
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST REPUBLIC BANK (CA)

On Wednesday XX/XX/2022, I fell victim to a scam call that started around XXXX and lasted until about XXXX. During this time I was put under a lot of stress, manipulations, threats, intimidation from the scammers ( man & woman, although man was doing all the talking, the woman was making commentary in the background ) to the point that I was coerced to send them money, {$5000.00} ( two separate payments of {$2500.00} ) was taken out of my checking account via XXXX. 
The con artists called me from this number XXXX. The money was transferred to someone named XXXX XXXX who apparently is enrolled at receiving bank institution as XXXX XXXX XXXX XXXX XXXXXXXX " I called the bank to report the fraud as soon as the phone conversation ended and soon after I also reported the incident to the police. The bank representative mentioned via email that it was unlikely that I would receive funds back.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Since XX/XX/2022 I have sent Equifax multiple disputes questioning the certifiable compliance of an account on my Credit report called XXXX XXXX, Account # XXXX and XXXX. Both of the original accounts were deleted and then added with all of the same information except the date opened. I continued to dispute sending another compliance dispute letter on XX/XX/2022. I just reviewed my credit report and both accounts have been added yet again with a open date of XX/XX/2022. So now I have the original two XXXX XXXX accounts deleted, and two duplicates of each account reporting on my credit report.
Consumer complaint received 2022-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

My complaint is with American Education Services ( AES ) I have had multiple issues with this company for many years including when going through hardship. With the exception of 3 months during Covid, they did not offer assistance in getting making payment assistance and harassed myself and XXXX XXXX XXXX grandmother with multiple calls a day. My most recent complaint involves a payment. I called AES at around XXXX XXXX  XXXX on XX/XX/2022 at the number : XXXX to make a debit card payment in the amount of {$190.00}. The payment was accepted, but I did not receive a confirmation number. On XX/XX/XXXX, I noticed that my payment had not posted to my online account. However, my bank statement showed the payment processed and debited from my bank account on XX/XX/2022. I sent an email through online portal and called to find out why. From that point I made phone calls to AES on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to resolve the matter. I was told that my payment was pending, that my payment was sent to FED Loans ( without my consent ) by accident but they were working on applying it to my AES, that they could not apply it to my AES and it would be refunded. On XX/XX/XXXX, the representative told me it should be refunded to me within 2-3 weeks. My last call on XX/XX/XXXX, I was told that they ( AES ) couldn't do anything further and that I need to call FED LOANS to have a refund processed. I called FED LOANS who attempted a refund two times and was told within 2 weeks to my payment source ( debit card ). I noticed that on XX/XX/XXXX, the loan was credited to FED LOANS on my credit report. I do not believe any attempt has been made to resolve my problem nearly 2 months later. I'm nervous about continuing payments out of fear that my funds will continue to be mishandled. However, I know that not making an attempt will hurt credit rating and put me at risk for default. I feel like this is a means to keep capitalizing on the interest on my payments. I'm attaching a screen shot of the payment debited from my checking account and call log. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-23
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.