davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
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. (MI)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (NC)

My account was paid and charged off in XXXX of 2018. For some reason XXXX continues to report CO 's on my credit reports. Pursuant to 15 USC 1681E, compliance procedures state that ( b ) accuracy of the information concerning the individual about whom the report relates, shall follow reasonable procedures to assure accuracy at the very minimum. Acima violated this law 18 additional times EVEN AFTER THE ACCOUNT WAS PAID. Since the balance was over {$600.00} and has been charged off as income, and the violations are still posted on my credit reports, I have asked them to remove from my credit reports and I want the remedy due me per the law. Because of Acima 's noncompliance, I have suffered and continue to suffer damages due to their negligence. I am constantly being denied housing and in turn my family and I are now homeless. Pursuant to 15 USC 1681N states that because of Acima 's negligence I am due punitive damages. I've requested a check in previous writings to them but Acima is acting above the laws. How will the CFPB punish Acima. Please advise ASAP.

Thanks.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (OR)

Our loan was sold. After 3 months of no communication about not receiving payment, we get a foreclosure notice on our door. We immediately call and are offered a loan modification. We did the steps, and continued making cashier check payments. After finally getting our money back we forward it on to the company. Months later we get a notice on the door, our home is going to be auctioned. We contacted them and they said, " we never agreed to a modification ''. All the while we are making payments. We go to the bank and find out they are holding our checks, and not applying them to our loan. Now we stand to lose it all, and the communication to save our home is impossible to get.
Consumer complaint received 2022-11-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Millco Management (TX)

Amerifinancial called me about a {$40.00} debt less than a week ago. They said it was for a doctors visit. I called the doctors office billing department, spoke to a man who reviewed the date of charges, and the doctors billing contact agreed i should not owe for that visit for blood results and it was billed incorrectly. He told me he was going to look into it, and will hold off on having it reported to my credit ( i specifically asked him to please review it ASAP so it doesnt go on my credit ) and he told me " not to worry about it, it wont go on your credit report ''. Well, Amerifinancial reported it to my credit on XX/XX/XXXX, not even a week later. I called them today and told them it isnt even confirmed as being owed yet... and that the doctors office billing representative informed me that he was looking into it and putting it on hold. The guy on the phone got agitated and started raising his voice at me after i explained to him that this is not even a confirmed debt and i am entitled to at least 30 days to confirm this / work this out with the doctors office. He also tried to make up every excuse in the book as to why they are allowed to destroy my credit on an unconfirmed debt. I am also in texas, which is a one party consent state. I told him at the very beginning of the conversation that i record all of my calls because of bad behavior by other debt collectors in the past. He got really upset and said he doesnt consent to being recorded, and then hung up on me. I called them back and the next representative hung up on me. This debt is not even verified yet and they are reporting it to my credit. I said up front, if i owe it, i will pay it. The first time they contacted me by phone was last week. They claim to have sent out a letter without tracking or verification, but i never received anything. The account is from XXXX, but i was just made aware of it less than a week ago. The doctors office isnt even done looking into it.
Consumer complaint received 2020-04-17
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: Experian Information Solutions Inc. (FL)

I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

I submitted a credit dispute related to a charge of XXXX on an American express CC ending in XXXX for a charge at XXXX XXXX on XXXX/XXXX/2016. Charge was unauthorized because this reservation was not associated at any time with this specific credit card. The hotel had this CC on file from another transaction and proceeded to bill this CC. I never provided verbal to written approval for this charge. All other transactions at this hotel are associated with a signed agreement. I disputed the credit with AXP. 
The hotel provided AXP with folio information but never a signed agreement related to this charge. AXP made a determination in favor of the hotel on XXXX/XXXX/2016 without having received details from the hotel which it seems to have received on XXXX/XXXX/2016. I am requesting a reversal of these unauthorized charges.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

On, XX/XX/XXXX, my account had three separate {$500.00} withdrawals through XXXX from three different people whom I do not know. I have only used XXXX to pay someone many years ago and since have not. 

I immediately went to the bank and they began the investigation process. I changed my account number, cards, etc. XXXX XXXX, I heard back from PNC Bank and they said there was nothing that PNC Bank can do, that I will not get my money back and to file a police report due to crime committed against myself. 

These are unauthorized transactions for a total of {$1500.00}. I am the sole provider to my family and this is truely hurting our family.
Consumer complaint received 2016-09-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CURO Intermediate Holdings (TX)

I called adastra recovery services because I recieved a scam call claiming to own the loan. XXXX XXXX reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to XXXX XXXX and there quality control Specialists they then sent the debt back to speedy cash " the original debt ''. Speedy cash did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because speedy cash said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.
Consumer complaint received 2023-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

On XX/XX/23, I initiated contacted with Nelnet, the new service provider for my federal student loans. Upon creating an account, I noticed that Multi-Factor Authentication was not offered during signup, and not available for configuration after signup. I asked Nelnet about their password policy, which limits passwords to 15 characters, as well as only offering the inclusion of only six special characters within their passwords, as well as the lack of MFA. 

Specifically, I said, " Why is MFA not an option, and why are passwords limited to 15 characters? '' Their response : " There is a mulit factor authentication, you have to pick a picture, when you set up the account. I apologize, that I can not answer this better for you. '' My response : " That's not Multi-Factor Authentication. That's user validation that they're logging into the correct account, not the same thing. If I was a threat actor, it would be simple to just _ignore_ that. '' Their response : " I get where you are coming from, do you have any other questions? '' My response : " What will you do with this? '' Their response : " You do not have to sign up for XXXX. If you are not comfortable with the process then you more than welcome to call in for questions on your account. Nothing will be done with this chat, you can save it, if you want and XXXX is the online login. '' I then linked https : //www.consumerfinance.gov/compliance/circulars/circular-2022-04-insufficient-data-protection-or-security-for-sensitive-consumer-information/, which lists the requirements for MFA. 

I then let them know that they'd informed me as an agent of Nelnet that they're not going to do anything, so I'd be contacting the CFPB regarding their disregard of the security requirements for accounts. 

Their response to this : " They have a security image as well as a password on a secure website. If they have an issue with that you can file a complaint for them. What we have is not violating anything, if it was we would have change it already. '' This is highly disturbing, in that they are a large service provider for federal student loans.
Consumer complaint received 2019-12-30
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. (GA)

My identity was stolen back in XXXX and XXXX I sent the credit bureau 's my Ftc Identity report, My Ftc affidavit, and my local police report. I had numerous accounts listed on my file. However most was removed from my report. Ihad 2 Bankruptcy dismissed listed on XXXX. They removed one but said the other was verified. They did not give me any details on how they verified one but not the other. Based off Fair Credit Act Law they are suppose to list how they verified the account. 

I also have a numerous inquiries that was made by the person or person 's who stole my identity. I also have a account listed on my file that i did not open, nor did i give anyone permission to do so. XXXX XXXX XXXX XXXX account number, there was no account number listed on my credit report, although it shows it was opened in Collection XX/XX/XXXX. Us Bankruptcy Court, It is only listed on XXXX, the other two Bureau 's has already deleted it from my credit report. The date was Filing date was XX/XX/XXXX These are all of the inquiries that was opened fraudulently. 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 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, XXXX XXXX XXXX 

I also have a Ftc Report and a police report.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (PA)

We have a debt collector on behalf of Citi Bank repeatedly calling in reference to a credit card debt that was discharged in BK. 

We have, now on three separate occasions over the last year and a half called them and explained this was discharged. 

They continue to call me. They have also started calling my wife at her work place asking for me. My wife is not on this debt. The collection rep was also indignant and mildly vulgar when my wife told him she was not me.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Wednesday XX/XX/2022 XXXX  XXXX XXXX - XXXX XXXX XXXX  I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. 

Wednesday XX/XX/2022 XXXX  XXXX XXXX  - XXXX XXXX XXXX Submitted claim to Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Wednesday XX/XX/2022 : Claim Denied by Wells Fargo.
Consumer complaint received 2023-03-28
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)

I have lived with groups of friends in XXXX XXXX  and XXXX  XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.
Consumer complaint received 2022-08-04
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX
Consumer complaint received 2022-08-04
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. (WI)

When I investigated my credit report, I realized that some of the information was unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; Chapter  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
Consumer complaint received 2016-11-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Credit Shop, Incorporated (CA)

Credit Shop said my interest rate was 32.25 %. I have made XXXX payments so far as follows : Date payed Principal Interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What happened to 32.25 %? I would have never agreed to this type of loan! I am being ripped off.
Consumer complaint received 2019-12-30
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. (NJ)

I submitted a dispute with Equifax regarding an incorrect account listed on my account. The incorrect account balance is NOT listed on any other credit agency. The dispute comes back as verified by XXXX  XXXX XXXX ( the creditor ). I have never had nor have any credit card with XXXX. Furthermore, when the collection agency calls me to pay the debt, I give them my birthday, and they clearly state that it is not my debt. 

The confirmation number for my dispute is : XXXX I called XXXX  XXXX XXXX, and they state I do not have nor had a credit card account with them. After, I ask them why the verified the dispute, they claim they would not know without a 16 digit account number. The account numbers provided by Equifax in the dispute is only 12 digits, therefore, XXXX is unable to look it up. Even still, they state they can not help. 

This has been affecting my credit score. This is impacting my ability to get a mortgage because it drastically impacts my credit score. Neither Equifax, nor XXXX is willing to assist me. It's unfathomable that I have to be stuck in the middle trying to figure out this mess, while only I am detrimentally impacted by the negligence of these two companies. I am in limbo here, without any answers. It's disconcerting that these two companies do not have to answer to anyone for such XXXX  negligence.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC (MO)

A Charge off by Definition pursuant to Publication 4681 on the IRS is ordinary income ( 1099C ), this means that this is an inaccurate account that is furnishing on my credit report. This inaccurate report should have been deleted off my credit report, the charge-off is canceled debt, the company WESTLAKE FINANCIAL SVCS filed this charge off on their taxes, but they are also reporting it on my credit as debt. If a charge off is furnishing on my credit report as debt. 
The said company that declared this charge-off was required to send the consumer a 1099C form so that the consumer could file that ordinary income. 
Failure to send this form is a violation of 15 U.S. Code 1681eb Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If a charge off is reported on my credit report and its {$600.00} or more I was supposed to receive a 1099C form Cancellation of Debt ''. I ask for the removal of the charge-off from reporting on my credit report. After clearing my credit report i will ask that you no longer report this charge-off on my report Cease And Desist Pursuant to 20 U.S. Code 1234e
Consumer complaint received 2022-11-16
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)

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I fully paid on a settlement agreement ( all documents attached ) with Synchony Bank in XX/XX/XXXX. However, as of XX/XX/XXXX, credit bureaus, including XXXX, XXXX, and XXXX, are showing the status as " Collection Account ''. The status should be " Paid Charge Off ''.
Consumer complaint received 2022-01-22
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. (IL)

I received my credit report and became aware that there are 9 fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022