davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

equifax is refusing to produce the proof of dispute verification. they continually stall and will not produce it for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

I am filing this complain because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed. 
Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) - they are required to " ... promptly delete all information Which can not be verified. " that i have disputed. please resolve this manner as soon as possible. thank you
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. 
However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.
Consumer complaint received 2022-06-09
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. (TN)

In accordance with the Fair Credit Reporting Act 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 2016-09-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Paypal Holdings, Inc (CT)

I called Paypal Credit earlier today, XX/XX/XXXX, to accept a settlement amount of XXXX which is supposed to be accepted by XX/XX/XXXX. The rep in collections, XXXX, first stated the amount is due in full and then stated an amount of XXXX over 6 months. I have a payment scheduled in the amount of XXXX for XX/XX/XXXX, I explained to him that I do not have XXXX to pay a month. If I did, my account would not have become delinquent. As you can see, Paypal Credit and their reps are asinine to say the least, they also tend to lie. Previously, one rep lied about a cease and desist on the account, there was never one placed as numerous other reps spoken to subsequently did not mention it and were willing to discuss account with me. In closing, please advise Paypal Credit I accept settlement amount of XXXX as there is several fraudulent orders to XXXX which runs into the thousands. However, I do not have full amount up front and can not afford XXXX a month.
Consumer complaint received 2016-06-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (PR)

1 ) I can not access my Paypal Credit account like a regular customer. 
2 ) I have to provide information of my identity by mail and phone again and again. 
3 ) I have to explain again and again that I changed my name. 
4 ) I have to answer extremely picky questions from obscure public records and due to the medical conditions I am suffering like XXXX and its medications I can not remember the answer to those questions ( Questions like area codes of different states, zip codes of different states and ages of people I never met. ) I want to have access to my Paypal Credit to add any information and modify any information like a regular client without having to be scrutinized by The Paypal version of The FBI. 
5 ) This is really abusive. XXXX
Consumer complaint received 2018-05-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Please reference CFPB complaint # XXXX about EQUIFAX , INC.. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of Equifax 's failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from Equifax regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, XXXX XXXX XXXX XXXX continues to report that Equifax is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that Equifax provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Consumer complaint received 2020-04-18
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX This is absurd, How is it possible to have a late remark that starts in Late 90 days without prior late remarks.
Consumer complaint received 2015-10-08
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XX/XX/XXXX I took out a payday loan from ACE Cash Checking from a store in XXXX XXXX. I borrowed {$250.00} and paid {$45.00} in fees. I was supposed to return a month later after receiving my check and pay off the loan. However, an ACE employee made a mistake and instead of being charged the money a month later, they wanted me to pay 2 weeks after taking out the loan. I explained that I could n't pay back the loan in such a short time, since I was yet to receive my check. 

They still charged me the money and it was hard for me to make that payment and still have enough for rent, bills, and more importantly to be able to provide what my XXXX kids needed. Because of ACE 's mistake, I had to renew the loan instead of paying it off as I had hoped. I fell behind on my phone and other bills. Every month I returned to renew the loan because I could n't pay off the full amount without falling behind even more. 

For 3 years I renewed the same loan. XX/XX/XXXX I had an XX/XX/XXXX at work and I was unemployed for XX/XX/XXXX months and was now receiving XXXX. I could n't afford to pay the loan and went to a friend for help. She lent me enough to renew the loan, but now I owed her and ACE. I continued with the loans a few more months until I really could n't do it anymore. I had to default after paying roughly {$1600.00} in fees alone over 3 years. A bit after defaulting I began receiving call and letters asking me to pay back what I owed. Still 2 years after defaulting, a collection agency is still calling asking for the money. I 've paid enough to ACE and can not continue with this cycle.
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (IL)

US Bank 's customer service is way too slow and really bad. i have had issue with my account 2 months ago and still it has n't been resolved. A lady at US bank made mistake and i got charged over draft fees 6 times. She suppose to reverse the charges 2 months ago. i have to call the bank everyday for last 2 months and keeps telling me that she will do it today but her today never came. now, im tired of calling bank because every time i call, a phone rep. tells me that she is either with customer or in meeting so i leave my phone number but she never calls back. i have to catch her on the phone, calling the bank many times during each day.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

Bank charged for an extra month of rent on the vehicle lease, because they failed to check the return inspection for to verify the auto was returned on XXXX XXXX, 2015. Each letter to the bank results in additional paperwork, without the questions in my letters being addressed. 

I am requesting CFPB 's assistance in getting the XXXX month billing reversed with a refund check. Paperwork from the bank and my letters are attached.
Consumer complaint received 2016-09-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

I have a fixed rate mortgage from US Bank. Despite property tax and insurance costs being readily available, they have consistently miscalculated my mortgage escrow requirements year to year resulting in shortages. Each year they also miscalculate the shortages, asking for a very small amount up front and raising my monthly payment much higher to cover the rest. In years past I have been able to calculate manually and " pre-pay '' ( pay the actual shortage ) of my escrow. This year they claim the law changed on XX/XX/XXXX such that they 're no longer allowed to do that. They were unable to define the exact law.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NJ)

I am preparing to take a trip out of the country. I went to website for my credit card to determine if my card has XXXX transaction fees. According XXXX there is an underlined link that states " No XXXX Transaction Fees ''. However, when you click on that link XXXX it brings up a fee table that shows there is a XXXX transaction fee of 2 or 3 %, depending upon whether the transaction is in US dollars or a XXXX currency. I then called the customer service center for US Bank, and got a series of confusing answers, then a response that my account had no fees. I requested that the agent request that the misleading information be removed from the company website, but lack confidence that this will actually happen. I am concerned that if I use the US Bank XXXX XXXX XXXX XXXX in a XXXX country that I will end up with transaction fee charges and that the bank will point to the publicly posted fee schedule.
Consumer complaint received 2017-02-14
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BOK FINANCIAL CORP (NM)

Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

XXXX XXXX, 2016 US Bank XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir, You are threatening me with being blacklisted with XXXX. This will prevent me from obtaining a bank account with 80 % to 90 % of the banks in the United States for 7 years which will be further victimization of me by US Bank. I will be XXXX XXXX XXXX before I can obtain a bank account. You do this to me for circumstances beyond my control! 

US Bank told me online that {$5000.00} was available so I withdrew it. I had no prior knowledge that the check was no good. This looks like entrapment. Bait and switch! 

I have talked to the Fraud XXXX at XXXX and the XXXX XXXX XXXX at XXXX and they will not listen to a thing I have to say. They just emphasize and re-emphasize the fact that my account is closed and " It will not be reopened ''! " This decision is final and I will cut you off if you keep talking ''! 

The bank has no sympathy, empathy, compassion, or mercy in this case. It is the XXXX XXXX " Guilty until proven innocent ''. Only there is no innocent in this case only guilt! Fraud means intent to deceive using false pretenses. Well show me my false pretenses please? Fraud is a felony depending on the amount of the funds involved I do believe. It is my understanding that intent has to be proven. Where is the intent in this case? Why is the bank so abruptly cold, hard, harsh, and draconian? It is as if I was trying to rob the bank by design. Is this how you treat all of your customers when activities beyond their control take place? I am being treated like a criminal through no fault of my own. Now my VA pension deposits will not be in my hands until the end of XXXX, if not later, because you have frozen my account and I can not have access to these funds which are Federal Property until they are in my hands. Granted you will take out sufficient funds to pay the overdraft this is a given. Why am I being criminalized by the bank for the actions of another? I am a poor XXXX XXXX XXXX with a leg missing and living on a fixed income. This action on the part of the bank is shocking to say the least. The US Bank is telling me I have no recourse. Perhaps I should post this on XXXX and call the local TV stations? I was victimized by the depositor and now I am further victimized by the bank. I did not sign up for this treatment. I have acted in good faith ; the depositor did not, for an unknown reason. Now the US Bank is acting in bad faith!
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (VA)

Credit card company 's sign up page stated : Enjoy all of these benefits for {$50.00} Annual Fee The benefits included a benefit for Bonus Award Nights. When clicking on the link, the only information regarding changes was listed vaguely as : We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 

It does not state anywhere about changing account benefits, nor does it state that the annual fee is for servicing the account, rather I am receiving a set of benefits for paying the Annual fee. They have now removed one of those benefits, and have stated that they will not refund, prorate, etc., the annual fee on the account even while removing benefits. 

They market this credit card and the annual fee, by stating that I am paying an Annual fee for a set of benefits, and then they are removing benefits while not doing anything with the annual fee. 

The consumer is being harmed by companies that advertise a set of benefits for a fee and then remove those benefits while not adjusting the fee.
Consumer complaint received 2015-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

I made a deposit of {$1300.00} to my new US Bank account on Thursday morning XXXX/XXXX/2015. The funds were removed from the account that the check was drawn off of on XXXX/XXXX/2015. I wrote XXXX check for {$420.00} and performed XXXX small debit purchases over the weekend with the full awareness that my account had over {$1000.00} in it. Come Monday morning XXXX/XXXX/2015, US Bank had assessed me overdraft charged, returned the check I wrote on Friday AND tells me that I am now {$300.00} in debt to them BUT my account balance is {$1000.00} that they will not acknowledge until XXXX/XXXX/2015. I checked with the CFPB and unless the check was drawn off a foreign bank ( nope, drawn off a California credit union ) or is in excess of {$5000.00}, they can not legally hold those funds for more than 2 business days! I have been down to the branch XXXX this morning. I have shown them PROOF the funds have been withdrawn from the payees account. I have had XXXX long telephone conversations and STILL they will NOT RELEASE MY OWN MONEY THAT THEY HAVE IN THEIR POSSESSION TO ME. Not only that : THEY ARE ASSESSING ME FEES. This is a scam and must be stopped.
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. BANCORP (AZ)

I received repeated phone calls on my cell phone in XXXX from a debt collection firm regarding a bank account, that I closed, with a little over a {$2.00} balance, which was held at US Bank. Apparently US Bank did not close my account and kept my account open. US Bank then proceeded to charge me an account maintenance fee of {$4.00}. This {$4.00} maintenance fee, that actually never existed when I had the account open, overdrafted my account. US Bank then proceeded to charge me an overdraft fee, among many other fees. I never received any notice in the mail from US Bank that any of this was even happening. Eventually, over {$170.00} later to be exact, US Bank sent my account to collections with an outside company. I then received non-stop phone calls everyday from an unknown number. When I finally answered the unknown caller, the person on the phone was extremely rude, demanded that I pay the amount immediately, and refused to acknowledge that one, I closed the account, and XXXX, that I filed bankruptcy. The harassing phone calls then stopped, only after I informed the debt collector that I would be filing harassment charges if they did n't stop. XXXX years have passed, and most recently, over the last XXXX weeks now, I have been receiving phone calls almost everyday. My number has changed XXXX or XXXX times since the last harassing phone calls, so I am not sure why/how this debt collector keeps finding my number to harass me. Today I gave them my attorney 's name and my bankruptcy case number, and I am hoping this will resolve their issues.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I recently opened a checking account at chase with a opening deposit of {$1500.00} XX/XX/XXXX for a promotional credit of {$300.00} after a direct deposit. I fullfilled the requirements and received the {$300.00} credit to my account. My checking ATM card stopped working the two weeks ago and I could not log into my account. 

When I called, I was notified that my checking account was closed on XX/XX/XXXX. No reason was offered for the account closure after speaking XXXX people at the XXXX number and at my local branch. They also notified me that they would only return {$1200.00} in my account and was revoking the promotional credit I had earned. As of XXXX weeks and XXXX days, my funds have not been returned to me and I did not even receive a formal notice of account closure. 
I believe Chase systematically closes acccounts and holds customers funds hostage for excessive amount of time with no reasons offered after a cursory XXXX search on the matter.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AZ)

This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

My complaint is in regards to inaccurate information in my credit report. I am a victim of medical identity theft. Someone have obtained medical services using my name. The health record that XXXX maintains about me is include information that is wrong and actually about someone else. I have contacted XXXX and they have removed that information. I am working to identify the effects of the medical identity theft and remove inaccurate information from my file. I have reported the problem to the police, filed an ftc identity theft report and mailed copies of my ID and SSN to Equifax fraud dept. When i tried to get in touch with someone over the phone about my problem, I was only convinced to buy a monitoring product that will resolve my problem. Equifax recently updated the account as verified. After receiving and reviewing the results of recent disputes sent to you. 

I have contacted XXXX again and they do not have record of any debt.So i am not sure what method Equifax is using to validate the debt. It seem they just want to give me the run around. I have file a police report and FTC identity theft report and did n't have any issue removing it from other credit bureau. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information