davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP (TX)

On XX/XX/XXXX I applied and was granted a installment loan with Security Finance, loan # XXXX with my payment due dates on the XXXX of each month. On XX/XX/XXXX my bank XXXX Bill Payment dept. issued a check in the amount of {$100.00} for my loan payment due on XX/XX/XXXX, Security Finance received the check on XX/XX/XXXX. At XXXX of XX/XX/XXXX I receive a phone call from XXXX with Security Finance offering me {$160.00} if I was interested in refinancing my loan, I told her yes and I would come in on XX/XX/XXXX to sign the paperwork, She said great we'll see you then and she would have the paperwork ready for the refinanced loan. On XX/XX/XXXX I went in to Security Finance and received {$160.00} for refinancing the loan, account # XXXX and left the building. Then on XX/XX/XXXX I received a phone call at XXXX XXXX  from XXXX the manager stating that I owed $ XXXX for a returned check from my bank, when I told her they made a mistake she insisted that they were right and I was wrong. I tried several times to explain to her that I didn't owe {$130.00} since I refinanced the loan that the payment in question that they received on XX/XX/XXXX in the amount of {$100.00} was cancelled by my bank XXXX because of the refinancing of the loan. She still insisted I was wrong and she wanted a payment of {$130.00} for the loan payment due on the XXXX plus {$30.00} returned check fee. I made an agreement which I kept and went in on XX/XX/XXXX and paid {$130.00} as requested and i asked for the returned check. The lady that took the payment looked for it and couldn't find it so she called XXXX and then I was told the bank had it. I totally feel that this if nothing else is insufficient check fraud since the returned check i paid for and never received. I would like to have the amount of {$100.00} credited to my account # XXXX since the payment due on XX/XX/XXXX is non-existent due to the loan being refinanced. I've also reached out to their HOME OFFICE in XXXX but as of this date no response.
Consumer complaint received 2021-11-04
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-10-07
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. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have contacted Equifax regarding lead bank several time through the dispute process to let them know that. I have paid off account and do not have a XXXX and the credit limit has been increase to XXXX month after month XXXX XXXX  keeps telling me we report monthly which I see the update date changes but. Equifax is reporting from XXXX to present status unknown with a update of XX/XX/2021 The same thing is happening with XXXX XXXX  my balance is XXXX and they are reporting XXXX unknown update since XXXX.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP (OR)

XXXX XXXX XXXX, XXXX XXXX XXXX, us bank and XXXX XXXX XXXX  as of XXXX XXXX reports charge offs and don't have my mailing address correct as of 5 months ago.I want these charge offs disputed. Thanks for your help
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, DEPTEDXXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

On XX/XX/2019 I called Equifax and spoke to a representative who informed me that two accounts was removed from my credit file which should not have been removed. Those accounts are : XXXX/XXXX    XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

I was the victim of an elaborate and involved scam on XXXX XXXX  involving XXXX and a fake XXXX email that requested I send {$900.00} through XXXX to make an original transfer go through. 

The buyer paid me on XXXX but the money never went through. He said it was because I didnt have a business account so he paid XXXX {$900.00} to upgrade my account status and said he had to to that once before too. The fake XXXX email directed me to issue a payment via XXXX so that the XXXX transaction could go through to my account. 

This was all a lie and I was conned out of my {$900.00}. He said there was a mistake and that I needed to send more, at which point I realized I was being scammed and this person was committing fraud. Because I sent the money on XXXX from my account, my bank ( chase ) said there was nothing they can do. I have screenshots and records of all the fraudulent emails from XXXX that requested that XXXX transaction.
Consumer complaint received 2021-01-31
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: Rocket Mortgage, LLC (NC)

Was inquiring about a mortgage from XXXX/quicken, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.
Consumer complaint received 2019-09-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax failed to contact me or CFPB within the allotted amount of time. 

XXXX  requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.
Consumer complaint received 2019-03-15
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: DISCOVER BANK (TX)

MY CREDIT SCORE WAS OVER 800 FOR A CONSIDERABLE TIME BUT AFTER I PAID OFF ALL DEBTS IT WAS DROPPED BELOW 800-WHY DOES THAT HAPPEN???
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OK)

I have been attempting to correct my loan servicing PSLF account with Fedloan servicing since XX/XX/XXXX. I have worked at my current government job for 6.5 years ( an approved and eligible government entity per studentaid.gov ). Somewhere my original start date on my paper work changed to XXXX instead of XXXX. I have spoken with fedloan servicing more than 10 times trying to correct this problem.

I have filed paper work signed by my government jobs HR department reflecting a start date of XXXX twice. Once on XX/XX/XXXX and a newer form on XX/XX/XXXX. 
They certified my employment from XX/XX/XXXX to current but refuse to correct payments from XX/XX/XXXX to XX/XX/XXXX, even with proper documentation. I have been told by fedloans to " just wait for it '' each time I contact customer service. 

I spoke with fedloan servicing regarding this matter in XXXX ( date unknown ) and on the following dates : XXXX XXXX XXXX Each time I was told the payments would change to reflect payment. To date they have not. After speaking with a CSR on XX/XX/XXXX, whom claimed they sent an email, I received a letter saying I was no longer eligible for TEPSLF, which I was NOT apart of as I am PSLF according to Studentaid.gov. 
I attempted to contact 3 times today ( XX/XX/XXXX ). Hold times were greater than 20 minutes. I requested a call back. Both times it stated this is the last time we will try to call back " name '' using this call back method and it disconnected. 
I have a total of XXXX eligible payments according to Fedloan servicing PSLF and I would like my account corrected to show the proper employment period with my approved government agency ( per studentaid.gov EIN Search ). 


I was referred to consumer financial protection bureau by the XXXX 
Please help correct this situation. I am hoping my account reflects properly before the servicers change.
Consumer complaint received 2021-01-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Carvana Group, LLC (PA)

To whom it shall concern I reached out to carvana to correct a debt issue with them as the are a debt collector who did not give notification they were a debt collector furnishing deceptive forms to a federally protected consumer, in order to collect a debt. I entered a consumer credit transaction with an open-end credit plan and used the vehicle for household and personal use. As they are a extension of the creditor of the consumer credit transaction using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. They don't have nor can provide me with the original contract for this alleged debt using multiple names, obscene symbols and use of obscene language on the alleged contract could be indecorous to the eyes. Carvana has violated me as a federal consumer in the corporation and needs to be held legally accountable for their ambiguous actions as a debt collector they are. I am demanding the agency to work with me the federal consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth and Lending Act or else i will purse federal litigations if needing re-enforcements on the facts of Federal Law.
Consumer complaint received 2022-04-23
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: CAINE & WEINER COMPANY, INC. (TX)

FRCA Violation address and names XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiry XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX FRCA Violation collection XXXX XXXX XXXX
Consumer complaint received 2021-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (WA)

On XXXX I contacted citibank because I was unable to access my user account online to pay my balance on my card. I was informed that I was unable to access my account because it was deleted due too suspicious activity/fraud. They said to just create a new account and use that account. Creating that account worked so I asked them why I was not notified and when the even happened they said they didn't know and to contact another number. Every number I called they changed the story or said they didn't know. The last number I called they basically said you can access your account now so we are done discussing this while constantly interrupting me every time I tried to explain that accessing the account wasn't the issue the issue is not being informed of potential fraud.
Consumer complaint received 2019-11-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (NV)

I had an auto loan with BB & T. That is who the car dealer went through I suppose. Last month my bank ( XXXX XXXX XXXX ) wanted to take the loan as I do all of my other business with them. All the arrangements were made, received the payoff amount and the deal was done. XXXX paid off my loan with BB & T and took over my loan. I received a refund check from BB & T around XX/XX/19 for over payment of the loan in the amount of {$13.00}. Soon after that, I received the verification letter from BB & T stating that my loan was paid off. This letter was dated XX/XX/19. On XX/XX/19 BB & T took another payment of {$490.00} for my loan that was already paid off. I tried calling them but the contact numbers that they have listed are almost impossible to navigate to a real person. Spent about an hour and a half calling and trying to get through to someone. I started posting on their XXXX page what had happened and got a response from a XXXX. She had said to send an email to them ( and gave me an email address ) with all of my information. I sent it and have not heard anything from them. This is my money. I consider it theft. They took money that did not belong to them and I would expect that they would get it it reversed just as fast as if they would have made a mistake in my favor.
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX  BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00}
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (VA)

Company in question : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA Phone : XXXX, XXXX Email : XXXX Individuals spoken to : XXXX XXXX, XXXX XXXX Complaint : Got a call from this company regarding unpaid debt on Citibank Account ending in XXXX. If not paid then and there, was told I was gon na be taken to court and charge for court fees and other legal fees on top of debt owed. They somehow got my credit card info and charged an amount of {$2700.00} without my consent. 

However, this account was originally settled in full with XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and I got a letter from them stating the same. 

I think this is a fraudulent company and scammers trying to reach out to victims like me and take advantage of our ignorance. Please investigate and do the needful in helping others not falling into preys of these scammers.
Consumer complaint received 2021-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

Pnc bank account my account number checking XXXX they took my checks I deposit in the atm I deposit three checks with my account number on the back of the check and my routing number on the back of the check and sign it to I receive the receipt then to for them my social security checks I deposit the account is close now
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IN)

I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XXXXXXXX XXXX XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/2017 to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very rare medical XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (VA)

Equifax Report Personal Information : Please remove incorrect name : XXXX XXXX XXXX from credit report Address : Need address corrected from XXXX, VA XXXX to XXXX XXXX, VA XXXX XXXX Two addresses need to be added to credit report.
Consumer complaint received 2021-06-09
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. (NJ)

Equifax, refuses to correct the address that is listed as current address on my credit report. Equifax list an incorrect address as my current address on my credit report. I have lived at my current address for 22 years, my tax documents, drivers license, social security record, all reflect this, yet Equifax knowingly continues to report this inaccurate address on my report.When I apply for bank account they information that they are unable to verify my identity, because the information listed on my report does not match the information on my application. I have sent Equifax proof of my address, and they still refuse to correct my report. Equifax is willingly putting me at risk for identity thief by allowing false information to be listed on a resource that in commonly used by financial institutions to verify identity.
Consumer complaint received 2022-07-28
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX