davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
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: EQUIFAX, INC. (FL)

Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.
Consumer complaint received 2021-11-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

XX/XX/2021 i got a email PDF from mr cooper stating that they addressed my complaint when i said they were falsifying information in relations to a XXXX modification. The letter and the XXXX enclosures are not representative of the EXACT situation there are multiple XXXX singed on different Years used to respond to this specified complaint there are multiple income sources that are attributed to Other modifications that were used to respond to this XXXX situation in which i was was referring to were Documents were kept and i was penalized for untimely filling or they needed more documents or it was because of affordability. The sheer disrespect of the law and magnitude of what this could represent is ALARMING. I CANT BELIEVE TAX MONEY IS GOING TO A FED ENFORCEMENT AGENCY THAT ACCEPTS BLANTANT MANIPULATON!!! look at all my complaints i know ive rambled etc but ive always referred to one specific instance and then would say this has been a ongoing situation. Now its right there in plain view they LIE and said its backed by XXXX /CFPB because they just reproduced documents that they always have had only to deny me when it suited their purpose .... when its affordability they claim i don't file on time when im referring to timeliness and produce proof then it its missing documents when i show that the docs weren't missing then i have to resign cause they need a new signature or they lost a upload on their server or affordability etc.. THIS IS MADDENING THIS IS A NIGHTMARE ... documents were never missing or lost unless they wanted it to appear that way!!
Consumer complaint received 2021-11-04
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. (PA)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NC)

I had an extremely bad experience with Conn 's which led me to close my store credit card and sever all relationships with them. At the time, i informed them to remove my name from all Marketing lists. This occurred over a year ago so they have had plenty of time to process that opt out request. I have since received a Marketing offer from Conn 's which leads me to believe they have not honored my Opt Out. In addition, this mailing does not contain any information on how to opt out of future Marketing mailings.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} experian states balance is {$0.00} XXXX states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate experian states XX/XX/2017 XXXX states XX/XX/2017
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX 2021, I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. The letter stated " we have received your request for a credit product with XXXX FINANCING issued by Synchrony Bank. '' The letter further stated that the request was denied as they were unable to access credit bureau due to freeze or lock. On XXXX XXXX XXXX, I sent a letter to Synchrony Bank via regular mail and certified mail informing Synchrony Bank that I am a victim of identity theft and that I did NOT apply for a credit product with XXXX XXXX and/or Synchrony Bank XXXX and I did NOT authorize anyone to apply for credit in my name. I asked the Bank to provide information regarding the application, identity documentation provided, and any pertinent information so that I could add this information to my Federal Trade Commission report and police department report. I also asked the Bank to confirm that the credit inquiry has been removed from my credit report. To date, I have not received a response from Synchrony Bank. They did not provide a telephone number or street address in their letter. I would like CFPB to intercede in this matter with the hope that the bank will provide the requested information.
Consumer complaint received 2021-04-12
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. (MI)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (TX)

on XXXX i was working out at the park in XXXX Tx and after about an hour i noticed my direct express card was missing. I began asking people at the park if they had happened to see a card and if so that it was mine. Nobody claimed they saw it. i began back tracking and searching for at least 2hours. The card was no where to be found. Once my friend picked me up, XXXX XXXX, he helped me look for it, as well. We were unable to find it. At that time, I immediately called DirectExpress # and reported that my card was lost or stolen. I also phoned XXXX on XXXX and reported it to them as well. I spoke w/XXXX. I spoke w/a XXXX, I spoke w/a XXXX emp # XXXX on XXXX, supposedly a supervisor. I was advised that I would receive a new card in 2 or 3 days, I actually received it the next day by XXXX, charged {$13.00}. I thought everything was fine until I went to the XXXX XXXX in XXXX and the card was declined. I used my old pin # then tried my new pin # both declined. The card that they sent me was the same 16 digit number on my card that was lost or stolen. I was advised in order for me to activate my card i must do it online. Well the policy online said for me to call DirectExpress. The last person I spoke to at DirectExpress was XXXX XXXX and she advised me that she would UNBLOCK my card and I would be able to use it. Well I never ask anyone to BLOCK my card in the first place, I REPORTED IT LOST/STOLEN. I spoke w/this XXXX on XXXX and on XX/XX/XXXX I went to XXXX in XXXX Tx and the card WAS DENIED. I am not happy with the way they have handled this issue. They have lied, given me the runaround. It appears to me that they are not very honest people or else maybe they need more extensive training for their jobs. Whatever the case may be, I certainly hope you will handle it promptly. 

Thank you for your time and attention in this matter and I look forward to hearing from you. You can email me at : XXXX You can leave a message for me at XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AP)

Apply for Military Service Deferment since I am currently and have been serving in XXXX since 2016, I was denied The Military Service Deferment My orders dont say Im serving it on a contingency Assignment! 
Since then Navient say my loans are in default and I join the XXXX after Accruing this debt! 
Since, they denied me they have not responded back to my emails.
Consumer complaint received 2018-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My account has been limited since XX/XX/2017 and I have not had the ability to withdraw the {$24000.00} that is remaining in the account.

My account has had XXXX  credit card chargebacks at any time and I have XXXX open disputes and claims. There is no justification for holding {$24000.00} since XX/XX/2017.

I am respectfully requested that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service.

I received the response that is coming from Pay-Pal. Their notion of, and hiding behind PayPal 's user agreement ( " User Agreement '' ) Is considered even in our courts as " STATUS QUO '' and they know that, no person as we all know are reading any of that with any company, if yes nobody will ever finish and nobody will ever sleep since every minute we go from one site to another to buy merchandise. They ( Pay-Pal ) are such a high sophisticated company, they had their choice at the time of the transaction, like any other company, to deny the transaction ... I see they have such a detailed history, letting the transaction go through and than keep the consumers money for no good reason, just to have free money, that not only they don't pay interest on it, nor do they pay TAX on it, and the financial burden people have to suffer is hard to describe in writing.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MIDFIRST BANK (AZ)

The credit card company charged me a late fee which I paid on XXXX I phoned them and was given confirmation number XXXX on receiving the next bill. 2 late fees were given even though the bill was paid 4 days before it was do and there were plenty of funds in account.
Consumer complaint received 2021-04-12
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. (KY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I relocated my Business to XXXX Texas, XX/XX/XXXX and updated Wells Fargo Bank with the new information. XX/XX/XXXX, I had a payment for {$630.00} due to Wells Fargo Bank for our XXXX XXXX Card we have had on Auto Pay since XXXX. XX/XX/XXXX Governor XXXX Declared a State Of Emergency/Disaster and extended it on XX/XX/XXXX due to the Snow and Ice storm that hit the state of Texas. I was unable to make the payment because all of the Wells Fargo Branches were closed and I was stuck in the XXXX Texas Snow/Ice storm. I lived in my vehicle for about 7 days trying to keep warm as I had no power for a week and no running water for 3 weeks - I did not have food for 3 days as I was trapped in my apartment. I contacted Wells Fargo and notified them that I would not be making the payment and even updated my mailing address. Wells Fargo Bank representative verified the address change and stated that they understood the issues I was having going into the bank and that I could not make the payment. Wells Fargo Bank representative contacted me on XX/XX/XXXX with a Identity Theft case number XXXX that pertains to a Wells Fargo Employee XXXX XXXX XXXX XXXX XXXX who closed this same account XXXX of XXXX in less than 30 days due to a bank error and our autopay since XXXX and we have had this account since XXXX. We have removed the Auto Pay due to the Identity Theft/Fraud acts of the Wells Fargo Employee and I wanted to protect my new bank account number and go into the branch and make the payment. Wells Fargo Bank shut down my credit card on XX/XX/XXXX while we were still under the extended State of Emergency/Disaster order in the State of Texas. I also received my new credit card for this account in XXXX Texas location and it was opened by someone within wells Fargo Bank and there was a white label with my XXXX Texas address placed by hand over my XXXX  residence and then reglued in the same envelope ( this now exposed my new credit card ) and mailed it to my XXXX Texas address. This card needed to arrive before XX/XX/XXXX because my old card expired in XX/XX/XXXX. I also made a {$2000.00} payment in XXXX of XXXX, XXXX I made a {$4000.00} payment and on XX/XX/XXXX, I made a {$1800.00} payment ( which included the XXXX, XXXX and XX/XX/XXXX payment ) in the branch. I made the XX/XX/XXXX payment early that was due XX/XX/XXXX and Wells Fargo Bank still has not reopened the account. They are continuing to harass me and violate my civil rights to have the protection under the Governor of Texas State of Disaster order. I want my card reopened immediately.
Consumer complaint received 2022-07-29
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. (PA)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00}
Consumer complaint received 2021-04-12
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. (VA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-12
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. (GA)

Im submitting this complaint against XXXX  Equifax, anXXXX XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (AR)

The vehicle in question was purchased and financed on XX/XX/2013 by JPMCB and was repossessed in the state of North Dakota and sold by an unknown company on an unknown date. I was not notified about any of the above. I wasnt served certified or notified of any of the information. My credit report states it was an involuntary repossession with {$9300.00} owed Under the laws of North Dakota and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have not received proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system. 

The alleged claim of a deficiency should be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports should be considered a violation of the FDCPA and FCRA. 

In addition, they have singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, at no point in time and under no circumstances is this company ; an employee of your company ; a representative for this company or affiliates to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2022-12-18
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: MoneyLion Inc. (NY)

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company MoneyLion , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud@moneylion.com. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.