davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (MN)

Made a online purchase using XXXX - the merchant has XXXX as a form a payment. After completing purchase I contacted the merchant to see when item will arrive. A few days had went buy with no response from the merchant. I went to the merchants website where I made purchase. The merchant website was no longer available. Over the course of a week I been trying to contact merchant. And see if the merchant website is visible it is not. I contacted XXXX XXXX to. Let them know the merchant is unreachable. And I would like my refund. Shop pay told me theres not enough evidence. To dispute my transaction and I need to contact the merchant. Theres no one to contact because the merchant store dont exists any more. I file a complaint with the federal trade commission and also will be filing a complaint with my states attorneys office as well. XXXX XXXX  is telling me to continue making payment on a item I never received and never will receive
Consumer complaint received 2022-09-03
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. (NJ)

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. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (FL)

XXXX XXXX XXXXXXXX XXXX is my XXXX  XXXX XXXX and I am the cosigner, XXXX XXXX XXXX 
AES XXXX XXXX XXXX XXXX, PA XXXX XXXX The loan has been paid on time for the requirement of a cosigner release which was XXXX consecutive on-time payments, AES/XXXX change rules as they go. I requested the release only to be told NOW that the borrower
does not meet the credit score required for the release. He owns his own home, cars, and other financial obligations all in good standing.

In the original documents, there is no Clause stating such a requirement. 
The payments are auto-drafted from my son 's account and Have never been unpaid. 
This is unfair and damaging to my credit report and I feel this is discrimination against my credit.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (FL)

I opened a claim with my bank for XXXX transactions made with my debit card ending in XXXX, because the seller never sent the items. 
The bank gave me a provisional credit, but then was reversed. I received a letter requesting more information about the case, that letter has a old date and I don't know I received it very late and as soon I received the letter I sent the information back to them on XX/XX/XXXX. 
I need to reopen the case for this XXXX transactions for merchandise not delivered. 
XXXX XXXX made on XX/XX/XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-11-07
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AmeriCollect (GA)

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Consumer complaint received 2020-08-06
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (FL)

I have discharged the debt Navient is trying to collect on in Federal Bankruptcy court. XX/XX/12. They show the account as closed, but continually report that my payment is late. I have called, them, I have sent a letter of cease and assist and they continue to report on my credit. My finacial health has been specifically harmed and I would your assistance to stop.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (TX)

Hello, On XX/XX/2022, a fraudulent purchase was detected by Ally bank and I was notified immediately. I was then issued a new card that came in about 2 days later. However, I was only compensated for one fraudulent purchase by a website called XXXX for about {$40.00}. I was not compensated for another purchase from XXXX for a little more than a dollar despite the agent I spoke with saying she would get that taken care of. Normally, I would shrug it off, it's just a dollar after all... 

However, this morning ( XX/XX/2022 ), I received two more fraudulent charges for {$200.00} ( again from XXXX.XXXX, after asking an agent to blacklist that site ), and a new charge for about {$40.00} from XXXX.XXXX. 

After locking my card and asking for these issues to be addressed, I was told that I had to let the charges go through and dispute them afterward. Now, I won't be able to pay my utility bill on time because I will have to wait for the funds to get back. Meanwhile, someone out there is getting away with stealing almost {$300.00} from me. This is unacceptable, and Ally bank has yet to make a statement on this issue, despite it being very widespread right now.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

XXXX, XXXX and Equifax are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. XXXX, XXXX  and Equifax have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX  XXXX, UT XXXX 5. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX XXXX. XXXX XXXX. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.
Consumer complaint received 2022-09-03
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. (OR)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (CA)

Im selling a product at XXXXXXXX XXXX  cost {$30.00} only, the buyer sent the payment thru XXXX XXXX ( newly created acct ) and ask my email address for confirmation and then I received an email that my XXXX XXXX is acct restricted saying that my acct is limited and not a XXXX XXXX XXXX acct so I need to contact the buyer to send me {$300.00}. So that it will change to business acct and be credited immediately in my account. The next thing happened is that he asked me if he can trust me on refunding the {$300.00} because he got deducted. Then I received an email that my acct has been upgraded to a business account and final steps to follow on how he will be refunded. But the {$300.00} that he sent is not yet deflected on my XXXX XXXX but he said it wont show up until Ill make a refund and a screen shot proof thru the confirmation email. He sent me his XXXX which XXXX XXXX, but acct not found. He then sent me a number to which I will send the money XXXX name XXXX XXXX but its pending. So he asked me to cancel the payment. He provided another another XXXX XXXX XXXXXXXX, I sent another {$300.00} and completed but it has been refunded by the app and said fail. He called me and asked me if I can just refund
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

In or about XX/XX/2020, I disputed the entry from XXXX XXXX   with Equifax. Equifax stated that their investigation proved that he debt was mines, but Equifax never provided me with validation information concerning this debt. So, I sent a certified letter to XXXX XXXX  requesting validation of this debt in the amount of {$200.00} in or about XX/XX/2020. However, it has been over 30 days, and XXXX XXXX   never validated that debt on my credit report.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to XXXX XXXX as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received XXXX different letters from XXXX XXXX that they closed XXXX other accounts that were opened in my name. I did call and the fraud department confirmed XXXX other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to update my credit report with the correct information. I am a victim of identity theft and did not make the following charges on my credit report. all correct information for all XXXX credit reports are supposed to be XXXX XXXX accurate. the information is incorrect. to protect my account I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. thank you.
Consumer complaint received 2021-11-11
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. (IL)

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX, Equifax, or XXXX any written consent to report anything on my consumer report. No consent is Identity Theft.
Consumer complaint received 2022-11-07
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. (FL)

I made a balance transfer for XXXX XXXXXXXX ( plus some fees, etc ) originally from another card to my Citi card. The Citi card was not used very often, so it was set to automatically pay in full for the longest time. I swear I remember before making the balance transfer, that I changed it from pay in full to pay minimum bialances, that way if a payment was missed, at least a minimum payment was made. 

I made a {$1500.00} payment before the due date, however, on XX/XX/28, I noticed my checking account had been overdrafted by {$3500.00}. I see an additional payment was made from Citi for {$12000.00}. I immediately call Citi on the XXXX, and tell them that payment should not have gone through. They put in a refund request and stated it would take XXXX business XXXX. Borrowed $ XXXX from a friend to cover overdrafts for a short amount of time as they stated XXXX business XXXX 

Called them on the XXXX, and they told me, it had just been approved on the XXXX or XXXX, and it would be XXXX business XXXX from then which would be today the XXXX. 

I called them again today, and was told that it was approved on XXXX for deposit, and I should have it on XXXX. 

This is ridiculous. I can't get a straight answer and I've had this account for XXXX XXXX. I shouldn't have to file a complaint with you either. 

Please help if you can.
Consumer complaint received 2019-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

I have noticed that there have been 4 charges of $ XXXX monthly service fee to my checking account since XX/XX/XXXX. I am disappointed that I have never been advised about it, nor have I given any consent to it. I have been banking with Citi for almost 3 decades without any fees. I'm also deeply disappointed that for 3 decades Citi has been using my funds to make profit for itself at XXXX cost. It is not only inappropriate but also unethical to charge service fee even on top of all that privilege of using the client 's funds for free. 

As I researched this case, it turned out that my account was converted to Citi Priority package ( a name of a predatory product that Citi devised to charge high fees ) without my full knowledge or  without my explicit consent. I was able to revert it back to the regular Citi Baking account ( though I'm not sure if this is the original account setting I had been with for the last 3 decades ) on XX/XX/XXXX with only 1 month fee reversed. 

The mobile chat agent said she could only do one-month reversal as a one-time courtesy, but this is not the matter of courtesy. The account conversion was made without my knowledge and consent, so all the fees incurred during this period was illegal in the first place. It is only fitting & proper to reverse all fees ( total of {$120.00} ) immediately. Anything less than that is tantamount to racketeering. 

The chat agent said it was the best she could do within her capacity and suggested calling the bank, but when I called and got transferred to a supervisor, I had to explain it all over again to no avail. 

I would like to stress that the fee was illegal to start with because the conversion of my original account to Citi Priority package was done without my knowledge and consent. The full amount of total fees must be reversed immediately. This is a typical predatory banking practice. 

Sincerely,
Consumer complaint received 2022-09-03
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. (WI)

In accordance with the Fair Credit Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-09-03
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-01-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I bought my house XX/XX/XXXX. I was making good money. The economy was starting to show signs of distress, but I do n't think that anyone knew just how much it would deteriorate. The loan was 100 % financing, and was sold several times. By XX/XX/XXXX I was struggling to keep up as the economy had really taken a plunge. The loans were about to go adjustable and my commissions had been reduced drastically. I was able to get a loan modification from the first mortgage, but took an additional 9 months to work out a modification with Ocwen Loan Servicing. 
XX/XX/XXXX I moved to a town that was closer to my daughter 's new high school, because I could not afford to drive ( up to XXXX round trips per day ). I rented the property to an out of state contractor who was working in the area, for 6 months. Once he moved out I hired XXXX XXXX XXXX XXXX to place a new tenant. I have never been able to rent it for the house payments and all this time I have been paying out of pocket to cover the house payments. 
XX/XX/XXXX I bought a new car, as the car I was driving has XXXX + miles on it. 
On XX/XX/XXXX, after 11.75 years of service, I was laid off my job. 
On XX/XX/XXXX, my tenant ( who always paid his rent late ) moved out. He had totally trashed the property and took my spa. I took the money that he had left as a deposit and cleaned it up as much as possible, but with so much more to do, and no paycheck, I could not afford to do any more to improve the property. 
I listed it for rent again with the property management but due to the condition of the property, I could not get enough to cover the house payments. 
The first mortgage went up XX/XX/XXXX and the second mortgage is due to go up XX/XX/XXXX. 
I immediately put it on the market, but due to the condition of the property it was listed as a short sale. I have had XXXX offers. We have been waiting on Ocwen since XX/XX/XXXX to give us an answer to the proposed sale. They said that we did not provide the documents, which we did, then they lost the documents, then and still, they say that it is with the investor and there is nothing that they can do, meanwhile they continue to call me regarding the payment. 
The XXXX buyer canceled because they were tired of waiting. The XXXX buyer is tired of waiting and has threatened to cancel. The back-up offer is lower than the XXXX offer that is on the table. 
Every day / month that goes by, my credit is affected more and more. I have tried to make my payments at least 15 days in advance of the payment due date in order to have good credit. 
Ocwen denied my request initially as I was given a severance which has since run out. 
If it goes into foreclosure, Ocwen will get nothing. 
I am a XXXX year old single mom. I have a daughter that is graduating XX/XX/XXXX and will be going to college. My child support will stop then. I can not afford this house any longer. 
Ocwen promised an answer in 45 days. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX.
Consumer complaint received 2017-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

citibank funded a defective product that was disputed through Best Buy and Citibank It was then turned around and sold to a company called midland funding. This matter pertains to violation of fdcpa and abusive debt collection. I ask that the cfpb look into this matter immediately
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 u.s.c. 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions