davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc. (CA)

Downloaded app for Ingo Money ( for mobile check deposit ) in partnership with a XXXX XXXX  product and it says my name and information doesn't match what's in their system. I've attempted to contact the company multiple times, but they have not corrected their errors in the system. Because I have concerns of Identity theft, and fraud, their comments, and practices, are particularly disturbing and are disallowing use of their services.
Consumer complaint received 2022-02-15
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. (CA)

I have Child Support with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX CO XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (ND)

I received a fraudulent CashApp in the mail. The fraudulent card does not have any phone numbers on it, nor does the letter enclosed with the card. After searching the internet I found a number to call. After waiting several hours for a call back I received a call from CashApp ( XXXX ). The person on the phone was told that I received a card in my name which I did not request. The person on the phone said there was nothing they could do over the phone to close the account. This was the most bizarre exchange I have ever had with a company. They seemed to care less that a fraudulent account was opened. I then asked for the account to locked down if it couldn't be closed and again the person on the phone refused. I now have a card in my name that I did not request that I have no control over and the card issuer CashAPp refuses to cancel. This company needs to closed down for these practices as they are allowing this fraudulent activity to occur.
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have contacted XXXX XXXX XXXX several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my Equifax and XXXX credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting XXXX XXXX to respond to correcting this issue.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC. (GA)

A hard credit inquiry was performed on XX/XX/XXXX without my consent from a company called XXXX of XXXX, Texas. Their current phone number is XXXX
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (IL)

I have contacted Wells Fargo Auto several times about the inaccurate reference to a Decemeber XXXX Repossession under the payment status on my XXXX and XXXX credit reports. I have sent in my title, proof of payments and receipts to show that this account was paid in full. The vehicle was not repossessed in remained in my possession until the account was paid in full in XX/XX/XXXX. Please provide help with getting Wells Fargo to respond to correcting this issue.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX : XXXX Creditor Name : EQUIFAX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : EQUIFAX MORTGAGE SERVI Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Consumer complaint received 2022-05-28
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. (AZ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 

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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (GA)

All access put a restrictions on my NetSpend card with me and my kids XXXX come on than the company took XXXX when I was told I only owe XXXX I been crying all day I have called them over 25times today and yesterday about 10times now they trying to say I owe them for another account what was closed and I remember they said fraud was on my account years ago please help me my number is XXXX XXXX XXXX is my name
Consumer complaint received 2022-05-28
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. (GA)

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 EQUIFAX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I placed an order from XXXX for a wig. The wig was needed for a vacation. Once I received the wig, days before vacation, I realized the wig was false advertised. The wig length was inconsistent, the wig itself was thinning and the lace was not HD as shown in the advertisement. I contacted the seller about this issue and they refused to take the wig back & refused to issue a refund. Therefore I decided to reach out to my bank Wells Fargo to file a claim to dispute this charge. The charge was refunded on XX/XX/2022 & the issue seemed resolved. However, on XX/XX/2022 Wells Fargo reversed this charge due to lack of documentation. I understood so I sent the documentations on XX/XX/XXXX. I called to reassure they had received the documentation & they said no. I resent the exact same documents on XX/XX/XXXX, XXXX, & XXXX to XXXX. I called back two days after each time I sent the documents & was told we have no documentation under your claim. I decided to give Wells Fargo Branch a visit, so they could fax it. The documentation was successfully faxed by associate XXXX XXXX and I was guaranteed theyd receive it. As of today, XX/XX/2022 Wells Fargo has confirmed the documentation still has not been received. Ive lost hope & I am furious with the lack of knowledge and help Wells Fargo has done. Please help!
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (AR)

I purchased a litter robot through affirm financing in early 2021 the original order was stolen in transit or porch pirated I worked directly with litter robot to get the device blacklisted and a reshipment was ordered. The second one arrived damaged at which point I paid to ship the second unit back to litter robot and the expectation was set that the affirm financing would be refunded and I should get a refund of my original installment in 60 days from affirm 60 days came and went affirm called attempting to collect payments I informed them at that time that the merchandise had been returned outsourced fellow said a ticket was being opened and everything would be fine. They called a second time attempting to collect repeat aforementioned conversations this time I watched it closer and logged into their help center and sent a message.. the response I was given is that since 120 days had elapsed since I had returned the item and affirm didnt cancel the loan they still expected me to pay the installments.. i confirmed in writing they were asking me to pay for something I returned and no longer have. At this point I feel like their practices may be in breach of some kind of consumer protection law.. like surely its not legal to charge people for things they do not have.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I subtmited a claim against my bank Chase due 4 transactions that the merchant Never sent the items. 
The bank informed me that they " reached '' the merchant and they provided the confirmation of the delivery, something I never get until now and I requested may times to them. 
I reopened the case with XXXX with executive office and I was requested to send the forms again and the order receipt showing that the goods must be sent, I sent all of that on XX/XX/XXXX and talked with " XXXX '' from executive office. 
Today after 1 hour and half talking with the bank and being transferred 3 times, the first information is that the case is still under review, then I was transferred to executive office were they told me that the case is closed by them and sent it to claims department, I was transfered to them and they told me that the case was closes for a different reason that the original, the reason was that purchases made face to face are not covered by chargebacks XXXX. 
And 1 of the claims was approved and gave the money back, but the other 3 denied. Doesn't make sense that one was approved and the others rejected if is the same merchant and same situation.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TX)

The company moved the amount inside my account to their own account, and they sent me mail saying that I should receive a cashier 60 daysafter if the amount its not return. Its been more than 60 day. And they have not said anything about that money they moved from my business account
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC (KY)

On XX/XX/XXXX, I received a letter from " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' on behalf of UHG I LLC stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from UHG I LLC or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.
Consumer complaint received 2022-04-20
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: Affirm Holdings, Inc (FL)

I found out an account named affirm inc was opened up in my name when I received my credit report I contacted the company and informed them that the account was Fraud, I provide a police report, I provided a FTC report, I provide My ID, I even filled out their Affidavit that they told me to fill out and they are still stating that the account is mine even though I provide multiple information. I have been dealing with this since account since 2018 they have had collection agencies call me about this account even though they know the account is fraud
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (MD)

I have a car financed through US Bank that has been deemed a total loss. US Bank provided my insurance company with a payout amount almost {$9000.00} more than what I currently owe on the loan. When I called customer service to confirm the payout amount that was provided to my insurance company and to determine why the amount was so significantly different they stated that since it is a total loss they will only discuss my payoff amount with my insurance company.
Consumer complaint received 2022-04-20
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 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 2 : It's also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-20
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 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, 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
Consumer complaint received 2022-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My parents and I took out a parent plus loan with XXXX XXXX for approximately {$40000.00} on XX/XX/XXXX. The XXXX was sent in 2 different disbursements, 1st disbursement on XX/XX/XXXX for {$5400.00} and the 2nd was sent on XX/XX/XXXX for {$38000.00}. Sallie Mae later decided to split the original loan into two separate loans based on their dispersement ; however, we only signed one promissory note for one loan. Sallie Mae decided to only forgive one of the disbursements ( the lowest amount ) rather than the entire loan. 

Here is a list of the many issues we have experienced while dealing with repayment of the loan : 1. Explanation of how to remove the co-signer from the loan was not given.

2. No attempts were made to notify us of the need to re-certify annually after our income changed and we requested this to be notated. 
3. We were not allowed to control the allocation of our payments between loans because it was split without our knowledge.

4. We were not informed that our loans were not dischargeable in bankruptcy before we filed.

5. We were not notified of how to have the co-signer released on our loan after we requested this several times over the years. 
We also filed a complaint and opened an investigation with Navient customer service XXXX named XXXX ( XXXX ) on XXXX. Investigation number is { XXXX } We Never heard back from them. 

Sallie may made the 1 loan into 2 loans and never explained why and assigned it 2 different account numbers without our knowledge and when we called an explanation could not be provided.

Over the years we have contacted both Sallie Mae and Navient to combine the two loans back to the original one loan. We have never been able to get complete information over the original loan or complete written investigations information concerning the loans, who is on the loans, how much was borrowed initially, and a reasonable way to repay them. We were always given no options. We have all filed several complaints with consumer protection bureau and to Navient to no avail and with no resolution. We were threatened with wage garnishments and leans against our home. 

When we last spoke with Navient in XX/XX/XXXX and asked for an investigation and to inquire why the second loan that was created had been turned over to collections to the co-signer and charged off to the parent without being notified. As of today, XX/XX/XXXX we still have not received any response or resolution. We received a letter from XXXX XXXX XXXX on XX/XX/XXXX, that the Navient service rep XXXX stated that they worked for Navient for a balance of {$110000.00}. The letter stated we have until XX/XX/XXXX to pay {$41000.00} to settle or face wage garnishment. XXXX offered us no solution nor could he answer why loans were never combined or forgiven.
Consumer complaint received 2022-05-27
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. (OH)

Hi, i tried and did contact recently the finance company ( XXXX XXXXXXXX ) regarding late payments reported over two years ago to my credit report file and XXXX XXXX basically took their payments according to my bank statements and did report late payments for a period of seven months beggining XX/XX/XXXX and ending XX/XX/XXXX even though XXXX  XXXX did offer and grant me a payment arrangement in XXXX of XXXX XXXX which i accepted back then. A few months ago i contacted XXXX XXXXXXXX to see why they did report those adverse late payments both on my credit profile and my cosigner credit file and instead of a resolution, they reported to the credit reporting agencies the adverse late payments on my credit profile as new and further damaging both me and my cosigner credit profile. i did notify via email and did refuse to talk on the phone with this creditor ( XXXX XXXXXXXX ) and told them that all communications should be done via email and that when they decided to report erroneous adverse late car payments to all three credit reporting agencies and thats when i told them via email that ill report it to the cfpb.
Consumer complaint received 2022-05-27
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)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation