davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

CBE Group purchased an allegeded debt from XXXX XXXX for {$50.00} concerning disconnection fee from 2019. I did live at the address in question XXXX XXXX XXXX but I returned any equipment and paid my bills on time. This collection showed up on my account 3 years later and I never received communication within that 3 years stating I had an outstanding balance. Plus I dont remember being a part of XXXXXXXX XXXX? I am disputing this claim paid in full, service equipment returned or whatever nonsense would of created an alleged {$50.00} outstanding collection.
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (CO)

i cancelled a credit watch service with Equifax in XXXX XXXX they kept billing me and i called them in XXXX about cancelling again and getting a deserved refund. 
They claimed no refund even if billed incorrectly and i complained they said we will start you with Equifax XXXX at no charge. 
They then proceeded to charge me again and i filed a complaint with the company and they said we do not refund. we have a no refund policy and gave me a claim number that they would get me my money back XXXX I called XX/XX/XXXX to ask where my claim stood and when i would receive my money. 
Nobody recognized the claim number, asked for a super, no consolation, ask for another super, transferred me to another div and went through the same spur request. 
Still nobody would give me service on my claim number, but continued to state no refund policy. 
I repeated that i have been billed twice in XXXX and have transaction numbers. They have stolen money from me. 
A company that supposedly protects you from fraud, committed FRAUD against me.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (GA)

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-04-25
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-03
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: JPMORGAN CHASE & CO. (FL)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 


I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 


This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 


The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

Interest rate is not displayed on monthly statement from Kia Motors Finance or on website XXXX ( when logged into account ). According to Regulation Z, Comment for 1026.7 - Periodic Statement, section 7 ( a ) ( 4 ) Periodic Rates states " 1. Disclosure of periodic rates - whether or not actually applied. Except as provided in 1026.7 ( a ) ( 4 ) ( ii ), any periodic rate that may be used to compute finance charges ( and its corresponding annual percentage rate ) must be disclosed whether or not it is applied during the billing cycle. ''
Consumer complaint received 2022-04-09
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)

I am writing in the hope 's that you can assist me on my dilemma!! I am writing on behalf of my granddaughter XXXX XXXX XXXX as she is beginning her journey in life. 

I'm besides myself there is no way that I can pay more than {$50.00} per month on this bill!!!! I had to leave school due to my XXXX XXXX XXXX as a matter of fact she took a student loan for me and was able to be given Charity as she is now on Social Security. 

Our generation is being set up to loose fresh out of school with " NEGATIVE '' credit scores that's it, your stuck there for the next 10 years. 

Please help me in this matter they continue to close account sell account & the cycle begins all over again. To be quite honest I work XXXX hour week 's which just covers my rent. Isn't there some kind of program that I could possibly qualify for. 

Thanking you in advance for your efforts. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}
Consumer complaint received 2021-02-11
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: DISCOVER BANK (IL)

On my reports there is a closed account with huge amount of missed payments. DISCOVER FIN SVCS XXXXXXXX XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER FIN SVCS XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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. (FL)

ok so my social is XXXX my name is XXXX XXXX XXXX XXXX i was born in XXXX fl. my mothers maiden name is XXXX. I look XXXX. and i have XXXX hair. some information on my XXXX and other credit reporting agency profiles are incorrect. and could possibly be someone else 's. So alright I mean some verification questions for employment and loans are just bizarre. I have like add. but I'm not incompetent. And I certainly know what is going on is bizarre. its hard to remember what information was not mine. The XXXX XXXX address is not mine. and whatever after 2012 isn't mine. I have a XXXX  credit card. I financed with XXXX. bought a red XXXX. had a red XXXX XXXX. had a XXXX XXXX. and whatever financing company was involved with those is what is correct. I just don't remember what they were. never applied for any loans other than for those cars. I applied for a large loan one time and got approved for XXXX dollars. my brother has or had a XXXX. a XXXX my dad has had a XXXX truck for long time. and my mom has a XXXX XXXX and a XXXX XXXX. so my email is XXXX. please help me and this precarious situation. you can contact my parents as well. my fathers name is XXXX XXXX and his phone number is XXXX my mothers number is XXXX. My phone number always changes. Thank you.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (NE)

On XX/XX/2021 I requested an ACAT to transfer all of my publicly traded stocks, and cash from the brokerage Social Finance , Inc. DBA SoFi Invest to the brokerage XXXX XXXX XXXXn the amount of {$1900.00}. 
On XX/XX/2021 I received an email from SoFi Invest ( investsupport@sofi.com ) denying my request to transfer all of my stocks and cash out of SoFi with the following explanation : " Our Invest accounts must be funded for 60 days before an ACAT transfer out can be processed. '' On XX/XX/2021 I called Social Finance, Inc. at XXXX and spoke to a representative who explained to me that SoFi had denied my transfer in order to hold my stocks and cash for 60 days. I informed the representative that according to the SEC website that by law the ONLY reasons SoFi would be legally able to reject my ACAT transfer would be due to improper filing, or questions on share ownership. Neither of which apply to me. Therefore, I require SoFi to approve my ACAT and release my publicly traded stocks, and all cash ( less the {$75.00} transfer fee ) to the brokerage XXXX XXXX as requested. I alerted the representative that were the ACAT denial not reversed that I would be filing a complaint with you, the Consumer Financial Protection Bureau. 

I am filing this complaint in order to alert Social Finance , Inc. that they are willfully and knowingly breaking SEC regulations by denying my ACAT transfer out.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (VA)

On the evening of XX/XX/29 I picked up some individuals because i sometimes use my car as a car service to make extra money. there were 4 passengers. I went into the store to buy a pack of cigarettes left them in the car for i did not lock eveything up and some of my id and card were in the glove compartment of the car one of them i dont know which one, shuffled through my glove compartment and removed my wallet and later commited indentity theft my other driver lic and address where in the wallet. several days later i relized that the wallet had been taken out of the glove compartment. later on good samaritian mailed the wallet back to me that he found. on the street. when i checked my statement I had XXXX unauthorized transaction on my card, filed a dispute with american express phone number XXXX XXXX XXXX XXXX and phone number. XXXX XXXX XXXX address XXXX XXXX XXXX XXXX GA XXXX they denied my dispute stated I gave the passengers permission to steal my id and was negelent. please help. sincerely, XXXX XXXX
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I looked up my neighbor on Venmo and showed her the picture and profile and she said " yep it's me '' so I sent her the XXXX she didn't get it so if course it wasn't her profile. I immediately contacted the lady I thought was her and also customer service and nothing! I needed that money for medication and food for my children. I feel like everyone says this but I swear it's true. You can't tell me that they couldn't see the conversation between me and the jerk that kept the cash. It stinks! I'm just XXXX out of luck??? The date this happened was approximately XX/XX/2021 XXXX
Consumer complaint received 2020-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (NC)

I previously had a loan with Moneylion, that was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I received a credit monitoring alert of " New Bank/Credit Card '' and that " MONEYLION INC reported a new account on your XXXX  Credit Report. '' I did not apply for nor approve any additional loans or services with MoneyLion. I am enclosing a copy of the credit monitoring alert showing the reporting of this fraudulently opened " New Bank/Credit Card '' account. I demand that a thorough investigation into this matter be completed expeditiously and with haste.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK (NJ)

I made a purchase on XXXX on XX/XX/XXXX, for {$69.00}, I received an email right away stating the received my order and would notify once it shipped, well its been a few weeks and I still haven't heard anything so upon doing some research I found the website was a scam, there is no way to get in contact with them, the email address they sent doesn't work, I contacted my bank to dispute it and they basically told me im XXXX out of luck, whether I received anything or not is not their problem its mine
Consumer complaint received 2021-09-30
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-09
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. (TX)

I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT ACCOUNTS ON MY CREDIT REPORTS. I HAVE YET TO RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE XX/XX/2022 30 DAY DEMAND DATE XX/XX/2022
Consumer complaint received 2020-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX XXXX Box XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company Mr. Cooper Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Like many Californians I received a non-renewal notice for my homeowner 's insurance. I was miraculously able to quickly find another homeowner 's policy, rather than being forced into California Fair Plan and the inadequate coverage they offer. I have an impounded escrow account and rather than lose the offered policy waiting for my mortgage company to pay, I paid the premium myself. I asked my mortgage company to reimburse me for my insurance premium of {$980.00} on XXXX XXXX, 2019, with documentation including my insurance declarations page and receipt showing paid in full, and received no response to my correspondence. So on XX/XX/, 2019 I sent a RESPA request for my monies. I included all documentation again. This response was received by my mortgage company on XXXX XXXX, 2019. I received a response from them on XXXX XXXX, 2019 promising an answer by XXXX XXXX, 2019, and again nothing. I am attaching all documentation that I have provided them. Could you please help me get my insurance premium refunded to me which they have been holding in my escrow account. Thank you in advance for your help with this matter. 
XXXX XXXX
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (FL)

I have Money Network, through my job. On the XXXX of XXXX, I received a ping that said XXXX dollars was taking out of my account. I immediately contacted money network. Secondly the money was withdrawn in another county. I have never used my card outside my county, due to the fact, I have no car. I have not used my card since, the incident. I have been transferring all funds to my bank account. I sent in the proper paperwork, and everything that was asked of me. I finally received a letter on the XXXX of XXXX, that my dispute was denied. Called multiple times, trying to get in touch with the dispute department. Was told there is no phone number, for the dispute department, only fax. So now Im in the process of having to file an appeal.
Consumer complaint received 2022-04-10
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 1 ) XXXX XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX ACCOUNT # XXXX 3 ) US DEPT OF ED/XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1684 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 1666B : A creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-08
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc. (TX)

date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.