davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I recently received an email from a company named ace cash express in new york stating legal action was going to take place on the amount of XXXX that I owed. I was scammed by this company a while back and now they say they are gon na file a lawsuit and I'm gon na go to jail and face a very heavy fine if I don't pay. I contacted the company and they told me that no contact has been made by them or anyone that is involved with this company. The email came from XXXX XXXX XXXX and they used a XXXX account. I have screenshots and texts from someone who said they worked for them and I was approved for a loan. I didn't know it was a scam until it was too late. They have information on me and now I'm scared. They got into my bank account which I froze to reject a check they tried to deposit and the bank sent it back to wherever it came from and I closed all of my accounts with the bank and went somewhere else. I know this is a complete scam and I will include the email address I got the threat from so everyone knows its a scam. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I sent several times to Navient information requested copy of driver license since they claim having the wrong birth date, copies of cancelled checks for payments not posted to the account. These Paynes made by the Bk XXXX Trustee. Unable to create a log in to check account. Unable to change payment plan sine Depatmentcof Education does not show I gave a loan. They keep saying documents can not be read.
Consumer complaint received 2020-11-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXXXXXX XXXX XXXX reported a payday loan I have no knowledge of. sent this dispute XX/XX/2020. Company responded. information removed. Per company they stated they removed this from equifax. they are in violation as they have still reported this information to equifax even after they stated it would have been removed. per FCRA
Consumer complaint received 2020-05-13
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: SYNCHRONY FINANCIAL (MA)

Synchrony bank who I have ( had ) an account open with closed my account. It is linked to my TJX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for TJX myself -i opened the account during XXXX XXXX ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XXXX XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XXXX XXXX APP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the XXXX for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (CA)

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to Green Tree which is now DiTech. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, DiTech keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know Green Tree/DiTech had a case against them due to this very issue.
Consumer complaint received 2020-05-13
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. (KS)

When XXXX XXXX and XXXX  XXXX XXXX reported incorrect balances it took my credit score down 85 points. When the bureau updated they gave me 2 points. I would like ALL of my lost point restored. I am trying to purchase a home and dont have much credit anyway, so my credit it very important to me. XXXX reported a late payment after they gave me an extension due to COVID and I have the letter. I want it removed and the points taken for that restored as well.
Consumer complaint received 2020-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (NC)

I sent money via World Remit ( bank transfer ) on XX/XX/2020 to XXXX ; money was intended to support my family during this COVID19. Transaction amount is {$220.00}, amount taken from my checking account. I have all my records for this transaction. This was my third transaction with World Remit for the same recipient using same bank and account. Previous two transactions went well, no issues money was received on time, instantly. However, on this third transaction, money has not been received until today XX/XX/2020. I have been contacting World Remit since XX/XX/XXXX but issue has not been resolved. Long waiting time on phone, about 45 minutes or more. I exchanged several emails and online chats with their customers representatives and yet there is not a clear answer. The first time, I called, World Remit, they explained their procedure and requested me to send a bank statement of the receiver and my ID, which I did. They confirmed receiving documents and said working to resolve the case. I asked them to either release the money or refund it back. There is not any help and I feel like I have been scammed this time. Please, I need your assistance. 
Thanks,
Consumer complaint received 2018-07-09
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. (TX)

The account below was deleted and readded a year later. The account was used for fraud. I have added the fraud form given to me by bank. 

XXXX XXXX XXXX + {$4100.00}
Consumer complaint received 2020-08-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}
Consumer complaint received 2018-03-28
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

I've contacted the source for the credit agency Lexis Nexis to dispute bankruptcy case numbers XXXX and XXXX they have conducted an investigation and deleted the information. They informed me that that the reporting agency could see that it's been removed from the reporting source. The reporting agencies, XXXX, XXXX and XXXX continues to report that Lexis Nexus is reporting the information is correct and remains the same. I've submitted the report from Lexis Nexis and they still refuse to correct the information or show proof of anything different from Lexis Nexis or the Courts.
Consumer complaint received 2017-08-02
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. (FL)

Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.
Consumer complaint received 2018-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

I submitted numerous disputes with XXXX, XXXX, and Equifax with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance XXXX ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, XXXX, XXXX, Equifax, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX without my requesting it, I was enrolled in Paperless Billing. While I was indeed logged into my account on the XXXX. ( my records show that I reviewed transactions from a recent trip ) I did not request paperless billing. 

By arbitrarily enrolling me in Paperless Billing, Citicards avoided sending a paper statement which caused me to miss my subsequent payment due date. Since no statement arrived at my home, no payment was sent and now I have a missed payment on record, an interest fee and a late payment fee. 

I was refused any redress by Citicards when I contacted them by phone and chat on XX/XX/XXXX. While online with their chat personnel I found that they had disabled my ability to turn off Paperless Billing,  which was very suspicious. 

This smacks of a predatory practice ( making changes to an account without any request ) and needs to be promptly addressed.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (GA)

on XX/XX/2020 i transferred USD to XXXX ( XXXX ) through Skrill.com they took my money same day but didnt transfer yet, now today when i called they said we'll issue refund to you after 5 days. 
Also, they took my SSN card, DL License and bank statement. When i call there customer service call went to out of country ( non native English place ). I am very scary that they will misuse all my personal info, they have all my personal info, such as SSN, DOB, Bank account #, CC # Address etc.. 

thanks XXXX
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

I applied for a refinancing loan with better.com by beginning of XX/XX/2020. They advertised that they will beat the rate sheet or loan estimate from a competitor by {$1000.00} or pay {$1000.00} if they are not able beat it. I was able to provide some quotes and they refused to accept it saying it was not an estimate. When I finally was able to provide one they just about matched ( in fact it was little bit over ) but did not honor the {$1000.00} price match guarantee. When I questioned they refused to honor it and also changed the offer to {$100.00} on their website. This is false advertisement. It is a bait and switch tactics and scandalous practice. Better.com should either pay me {$1000.00} or beat the estimate by {$1000.00}. Please kindly look into this. Thank you.
Consumer complaint received 2020-08-28
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)

My SSN was stolen by a woman with similar name to mine, who worked in a XXXX XXXX XXXX where I was a patient. She leased, and then skipped out on, an apartment in a city where I've never lived. She skipped out on rent due, owing about {$1600.00}. The apartment 's collection agency, XXXX XXXX XXXX, then incorrectly reported this uncollected debt under my SSN. I only learned about this when I applied to refinance my home mortgage. 

I know who this was from matching signatures on the apartment lease, and documents she signed as representative of XXXX XXXX XXXX XXXX XXXX 

I contacted and reported the error to XXXX XXXX XXXX ( XX/XX/2020 ), the XXXX XXXX FL police department ( XX/XX/2020 ), the FTC ( XX/XX/2020 ). I contacted by phone and sent certified letters with FTC and police reports multiple times XXXX, XXXX and Equifax. Ultimately, I hired an attorney to assist me.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2022 my credit card company posted a charge for {$160.00} from XXXX XXXX XXXXXXXX which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of XXXX I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with XXXX with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-21
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. (FL)

I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report
Consumer complaint received 2018-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (IL)

A company calling themselves XXXXXXXX XXXX at XXXX is threatening to serve my husband at work and sue us for a debt that we paid many years ago. Original creditor was XXXX XXXX and our account is paid in full. This is the second time this same fake debt has attempted to be collected using threatening tactics. They are calling my husband, me, and my father in law with these threats.
Consumer complaint received 2022-01-05
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: SYNCHRONY FINANCIAL (AR)

on XX/XX/XXXX i was approved for a {$5000.00} in store purchase loan to be financed at 0 % interest through XXXX XXXX Furniture through Synchrony bank, i spent the entire {$5000.00} in the store and paid my sales taxes with my debit card from my bank account so the taxes would not interfere with my loan amount, a month later XX/XX/XXXX i get notified that my credit score dropped from a XXXX to XXXX for a {$75.00} dollar charge called " called Card Security services '', i was given a toll free number to call ( XXXX ) as i spoke on a recorded line i explained that my credit score took a large hit due to them reporting that i went over on a {$5000.00} by {$75.00}, i explained to them that i didnt need credit card security because i spent the " ENTIRE '' approved amount in the store and paid my own sales taxes, i called and spoke with several people and explained the situation, this false reporting impacted my credit score and they have yet to inform the credit reporting agencies that they made a mistake, i have waited almost an entire year for this situation to be fixed and they have yet to do so.
Consumer complaint received 2017-08-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, my business account was fraudulently hacked into and funds were set to disperse from the account via ACH payments. Within 15 minutes of being notified by a Chase 'alert ', I contacted Chase and was informed that it was already too late to stop it. Apparently, someone hacked the account, changed account numbers and routing numbers and started sending out payments via direct deposits until the account was drained. I was told a document was going to be emailed to me within a couple of hours to authenticate the fraudulent activity, but never received it. I went to the local Chase branch the very next morning to sign the document and begin the process of reparations to my business account.I was told by no less than four ( 4 ) different Chase representatives that the funds that were removed fraudulently from my account would be returned within 24-48 hours. Many frustrated conversations and escalations ensued to different Chase managers and after nine ( 9 ) days of leaving my business account with a XXXX balance, they finally admitted that they had no idea when any funds would be returned - not even a temporary credit, while everything was still being investigated. My XXXX was established in XX/XX/XXXX and has 15 employees, with operational funding requirements on a daily basis. I honestly felt like I was living in a 3rd world country with no one to turn to for help. On day ten ( 10 ), a temporary credit was issued to my account and I was advised that if they determined the funds were sent intentionally, the credit would be reversed. Incidentally, I have had this same account open with Chase for over ten ( 10 ) years and I was treated like I was the criminal, while they did little or nothing to offset the lack of funds in my business account.