davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

1. Navient m ade subprime loans to me, while attending  XXXX  University  XXXX   XXXX , a for-profit school. My loans include :  XXXX   XXXX  Subsidized  Lo  an- XX/XX/XXXX - XX/XX/XXXX  for a   XXXX   XXXX   degree at University   XXXX   XXXX  . {$8500.00} and   {$12000.00}. I was unable to find a job within the 6 month grace period. I let    Navient Solutions, LLC know. and they sent a collections company after me anyway, as well as said I defaulted on my loans. They never offered me any alternative ways to   pay.
Consumer complaint received 2022-09-16
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. (LA)

RETALIATION by EQUIFAX against consumer file and financial reporting systems through XXXX, XXXX, a wholly-owned EQUIFAX subsidiary XXXX XXXX XXXX XXXX 

XXXX XXXX, is a wholly-owned subsidiary of Equifax as an Equifax XXXX XXXX XXXX company incorporated under the laws of the State of Georgia, as established notably in XX/XX/XXXX, by Equifax. 

On XX/XX/XXXX, XXXX XXXX, filed an immediate ADVERSE ACTION of financial services against the consumer stated herein to this complaint, without sufficient cause, credible or proper reason, notice, or any justification and/or explanation for such cause resulting in distress, humiliation and violation to the consumers rights and social standing. 

The consumer attempted to resolve the issue immediately by phone as stated according to the ADVERSE ACTION NOTICE received, however, NO SUCH REMEDY for the ADVERSE ACTION was available to the consumer by phone. 

So, immediately following the call, the consumer again, requested a copy of the credit report by fax, for any and/or all account information on file that XXXX XXXX XXXX an EQUIFAX subsidiary would have. 

Since reporting EQUIFAX abuses of the consumers credit report and account, following repeated unauthorized release of the consumers information, unfair score and reporting practices and violations, various undisclosed and inaccuracies are continuing to be exercised against the consumers financial records, accounts, reports and reporting services both by XXXX XXXX, and EQUIFAX which is resulting in undue distress and continuation of unnecessary violations of CFPB guidelines.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc. (TX)

I applied for a loan and I was approved for {$1400.00} and after deducting their XXXX XXXX Origination Fee, they funded me {$1200.00}. So now they said I must payback {$2200.00} ( XXXX weekly payments of {$220.00} ). I have made XXXX payments totaling {$1500.00} and I still have XXXX more payments remaining totaling {$660.00}. 

So that means they loan me {$1200.00}, I am paying like XXXX XXXX on interest por XXXX months loan. 

I didnt know that when I signed for This loan. I try to talk with them to send me the details about the loan they said this is not a loan and I should read this before signed. 

Can you please help me with this situation? This is a lot of money to pay back for a loan. In this short amount of time. 

Thank you
Consumer complaint received 2022-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (OK)

On XXXX I called Bank of Oklahoma 's Loss Mitigation department requesting a document to be filled out. The document is necessary to obtain mortgage assistance from my tribe. I was told to fax the document in and it would take 24-48 hours to get it back to me. I waited until XXXX and still hadn't received the document so I called again to check on it. This time I am told that it can take up to 30 days to process, which would significantly hurt my chances of receiving the assistance at all since it's funded on a first come first serve basis. This time I understand I need to be a bit more patient and I wait another week to make a call again ( XXXX ), and I am told that the document needs to be requested from the organization that needs it. This wasn't told to me the 1st time or the 2nd time I called, it seems I get a different answer every time I call so I requested to speak to the supervisor. Bank of Oklahoma states they can't forward me to a supervisor and doesn't give me any chance to resolve this issue. I kindly state to them that they are in violation of Federal Law. Real Estate Settlement Procedures 12 CFR Part 1024 section 1024.36. This law states that mortgage servicers must provide correct info on loans and they need to be ready to respond " promptly '' with requests for information. In addition, written response acknowledgement of information request within 5 days. Bank of Oklahoma has done neither of what is required of them and it has resulted in undue harm to my wife and I. My theory is that this a scheme to foreclose on my wife and I to the benefit of the bank. If foreclosed on, the bank would recover the property ( which has risen in value ), foreclosure fees, and it would allow them to invest that money into a mortgage with a higher interest rate. My wife and I are locked in at 3.25 percent interest and the going rate for mortgages is over 5 percent as of now.
Consumer complaint received 2022-09-16
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)

REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX XXXX ATTACHMENTS BELOW.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong to me.
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (MS)

on XX/XX/2022, I called US bank to verify my credit card because I switched a new cell phone yesterday and I have trouble adding the credit card to App pay. it said I need to call the bank to verity this card. so I did call this morning. However, what is disappointed is that I was keeping transferred to a different departments with long waiting, during which time one of the representative even told me this is not their job. I said it is exactly instructed, then she transferred me again. Just like this, the whole process took me 45 min and nothing solved. finally I need to hang up. it is like they have no idea what they should do. 
what is even more, this was not the first time I had trouble with their services. last time my card was stolen and there are a few charges that were not authorized. I called and told the representative the situation while she asked me 3 times like this : '' are they really not your own charges? '' wow I have really nothing to say. so what she was thinking?? I used my own card a called them someone stole it? The services in the US bank are really in bad quality and there is something seriously wrong with their attitude.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NBT BANCORP INC. (NY)

On XX/XX/2022, my partner and I submitted a pre-qualification construction loan application for a house we were auctioning for. Later that day, the loan originator sent us another link to start a pre-qualification process. This created two loan applications. 

The loan originator said he had canceled the first application, but the bank nonetheless made two hard inquiries on our credit reports, one on XX/XX/2022, and another one on XX/XX/2022. 

On XX/XX/2022, we followed up with the loan originator, and asked him about this, since we never authorized two hard inquiries. We again followed up on XX/XX/2022, when he said he had sent this to upper management. 

We again followed up on XX/XX/2022. On XX/XX/2022, he just responded that he had " sent this on a while ago. '' On XX/XX/XXXX, he said he would send it to their credit agency representative to ask for removal. 

On XX/XX/XXXX, we called the three major credit agencies, and only XXXX took it off the credit report. However, XXXX and XXXX required a letter from NBT Bank specifically requesting the removal. We sent him that via email, and we tried calling the bank several times but we could not get ahold of someone that would talk to us about it. They only took our information and never called back. The loan originator never responded to our email. 

So now we have an additional credit inquiry that shouldn't be there and a bank that won't help us.
Consumer complaint received 2022-09-16
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (FL)

IC System is reporting that I owe a bill to XXXX. I have tried to contact them and they say that its verified to the credits bureaus. I have attached proof that said account is not owed.
Consumer complaint received 2020-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (TX)

XX/XX/2020 XXXX afini/XXXX  XXXX XXXX THIS WAS FILED ON MY CREDIT REPORT AND I HAVE NO REASON TO DO BUSINESS WITH THEM. I TRIED REACHING OUT TO THESE GUYS AND THEY HAD NO ANSWERS FOR ME. I WANT THEM TO REMOVE FROM CREDIT REPORT XXXX, THIS IS CAUSING PROBLEMS FOR ME. MY CREDIT IS FLAGGED TO CONTACT ME BY EMAIL AND PHONE WHEN MY CREDIT IS RAN. AND HAS BEEN IN PLACE FOR OVER 5 YEARS. I UPDATE EVERY YEAR.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Citibank was running promotion for checking account and I decided to open it. 

XXXX. I opened a checking account online from Citibank portal on night of XXXX XXXX. I arranged an initial transfer of {$25000.00} from my XXXX XXXX XXXXXXXX checking account. 
XXXX. Next day on XXXX, Citibank sent letter which XXXX received on XXXX saying they are ending banking relationship with me. Upon calling call center, they told me account is locked because they suspect fraud as account was accessed from multiple geographic locations.Letter mentioned Citibank will close account and return any balance in account by cheque to my address on record. 
XXXX. On XXXX, my initial transfer of {$25000.00} to XXXX was completed and amount credited to Citibank. 
XXXX. As I asked for refund of the money, Citibank call center told me to raise a claim with issuing bank i.e. XXXX XXXX XXXXXXXX to get money back. 
XXXX. I raised claim with XXXX XXXX XXXXXXXX for same on XXXX XXXX. XXXX XXXX XXXXXXXX rejected my claim on XXXX saying it was a legitimate transfer approved by me. 
XXXX. On XXXX I visited Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banker told me, account is closed on XXXX and I will receive cheque of my balance in XXXX to XXXX  days. 
XXXX. I waited for XXXX days till XXXX, still not cheque received. 
XXXX. I again called Citibank fraud call number, they are again telling me to raise claim with XXXX XXXXXXXX XXXX to get back my funds. 

This is very distressing as my {$25000.00} are locked for more than XXXX days now and there are no signs of any support from Citibank on this matter.
Consumer complaint received 2022-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the Identity theft report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my report. I reported the theft to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete as soon as possible.
Consumer complaint received 2021-07-19
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. (MI)

I did not give consent to furnish my personal information regarding my open end credit plan. Ive been violated and harassed about information I deem private XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-08-09
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: Debt Co LLC (FL)

Explained to XXXX through several disputes online and by mail, last sent XX/XX/2022 that many derogatory accounts such as chare-offs can not be reported if the Original Creditor charged off the debt but I did not receive a 1099c to recoup any finances. Thus indicating their removal from my profile. Also indicated that neither XXXX nor XXXX XXXX XXXX, Debt Co LLC, and XXXX XXXX which all identify as charge-off accounts. XXXX was also notified about the fraudulent use of my name in various ways, addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX has fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.