davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Im writing this complaint because I have been denied my right to know the details of the investigation performed for me against the alleged creditors in question. Please have these companies provide me : 1. The name of the original creditor 2. The creditors ' address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (NY)

I was approved and took out a Secured Discover Credit Card in XX/XX/2022, and provided a security deposit of {$2500.00}. Discover clearly advertises that security deposits will be returned after 6 months on-time payments across all credit accounts, and sent monthly reminders indicating my progress toward this goal, indicating that deposits are typically returned in 2-3 business days after meeting the 6 month requirement. 

In XXXX, I was notified that I had successfully met all requirements and would be receiving my deposit back. However, at that time, Discover began to stonewall the process of returning the funds as agreed. 

I was told that a check had been sent that never arrived. A customer service representative then told me that a replacement check would be sent, but this was never processed. I was then told that an ACH deposit would be made, only to have a supervisor later inform me that Discover does not have the " capacity '' to return deposits using ACH. 

Further attempts to escalate or expedite the return of the funds were flatly rejected. 

Discover is in obvious breach of its own cardholder agreement and written promises, yet I have no recourse to hold them accountable and have them return my funds, and I seek assistance from the CFPB.
Consumer complaint received 2022-10-21
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. (MA)

Unauthorized inquiries from XXXX occurring on my accounts XXXX and another XXXX recently of XXXX  are fraudulent and unauthorized requesting the immediate removal from my credit report.
Consumer complaint received 2022-10-28
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. (FL)

To whom It may concern I was looking at my XXXX app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to XXXX, Equifax and XXXX on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried XXXX attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXXXX - XX/XX/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
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending (CA)

On Thursday, XX/XX/XXXX, we were pre-approved by Supreme Lending for financing on the purchase of a home. The lender encouraged us to waive financing contingency to make our offer more appealing. The pre-approval letter provided by the lender represents that we are approved for no contingency. The pre-approval letter also shows that approval required no discount points. [ See " Pre-Approval Letter.pdf '' ] We submitted an offer without financing contingency, per the lender 's advice and guidance, and our offer was accepted on Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, after our offer was accepted, the lender informed us for the first time that we needed to pay a discount point on the property. This requirement was not previously disclosed and would increase our closing costs by {$20000.00}. The lender also informed us that if we did not agree to pay the discount point, they could not proceed with the mortgage. Since we relied on their advice and waived our financing contingency and the offer had been accepted, we effectively had to agree to pay Supreme Lending {$20000.00} or forfeit our substantial earnest money to the seller. Supreme Lending acknowledged that they did not inform us of the discount point requirement in advance. 

After discussing, they agreed to two concessions. First, they agreed to cut the cost of the discount point in half, to roughly {$10000.00}. Second, they agreed to re-finance us at no cost in XXXX in attempt to get us a lower rate, because even with discount points, his rate was 5.875 %, which was materially higher than the market average at the time. [ See " Lender email on discount points.pdf '' ] We closed the loan with Supreme Lending. In XXXX, we contacted Supreme Lending to re-finance the loan to a lower rate at no cost, as we had discussed. The loan originator was evasive, and refused to speak with us. He eventually left Supreme Lending. The loan originator 's team told us that they wouldn't be able to help us. 

We were able to refinance with another lender, XXXXXXXX XXXX at a significantly lower rate with no discount points, and recently closed that refinance.
Consumer complaint received 2022-10-21
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. (GA)

I disputed this inaccurate information to Equifax, XXXX, and XXXX sometime in mid 2021 and the denied my request, but I included my Federal Trade Commission Fraud report and all proper I.D . I am in the process of disputing this issue again. This time I will include the police report and this complaint. Because I did not open or have knowledge of these accounts until my first dispute.
Consumer complaint received 2022-10-21
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. (AL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXX XXXX XXXX XXXX account number XXXX with balance of {$680.00}, Account Name XXXX XXXX account number XXXX with balance of {$0.00}, Account Name XXXXXXXX XXXX  XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX Bk account numberXXXX Account Name XXXX with balance or {$96.00} Account Name XXXXXXXX XXXX XXXX with balance of {$160.00} Account Name XXXX with balance of {$60.00} Account Name XXXX with balance of {$600.00} Account Name XXXX with balance of {$290.00}. has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.XXXX XXXX XXXX XXXX ( A ) (! ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Care credit/synBank Account XXXX XX/XX/2022 INTEREST CHARGE ON PURCHASES {$110.00} XX/XX/2022 PAYMENT - THANK YOU - {$510.00} XX/XX/2022 INTEREST CHARGE ON PURCHASES XXXX XXXX XX/XX/2022 PAYMENT - THANK YOU - {$410.00} XX/XX/2022 INTEREST CHARGE ON PURCHASES {$35.00} Per the FCRA, I was not advised to call the company and inform them as to where I would like the funds to go! Which in turn, caused a high interest and a serious decline of my credit score!

According XXXX XXXX XXXX, this is a form of aggravated finance identity theft.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/XXXX at XXXX XXXX, I received an email from the XXXX and XXXX XXXX XXXX XXXX requesting that I sign an Early Termination Balance Forgiveness Contract. 

On XX/XX/XXXX at XXXX XXXX, a Cease and Desist Demand was emailed to XXXX and XXXX XXXX XXXX team as they were still requesting payment before the contract was signed. 

On XX/XX/XXXX at XXXX XXXX I received an email from XXXX and XXXX XXXX Manager stating that they were not seeking payment on my account, only asset, and as such my request for Cease and Desist Demand did not apply. 

On XX/XX/XXXX at XXXX XXXX, the apartment keys were delivered to XXXX and XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX XXXX  Manager confirm that the apartment keys were received via email. 

On XX/XX/XXXX, at XXXX XXXX, I emailed a signed copy of the Early Termination Balance Forgiveness Contract to XXXX and XXXX XXXX and XXXX XXXX. 


On XX/XX/XXXX, at XXXXXXXX XXXX, I received a XXXX XXXX XXXX  - Notification of Service for Case : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, stating that all others for filing have been voluntarily dismissed its claim against Defendant WITHOUT prejudice. 

As of XX/XX/XXXX XXXX XXXX and XXXX XXXX sold my private information to Transworld Systems which has reported inaccurate information to the 3 Major Credit Bureau and a balance of {$7200.00} to my credit report which has negatively impacted my overall score.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (PA)

This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.
Consumer complaint received 2022-08-15
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. (TX)

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX  concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have XXXX days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (CA)

They never respond to me and continually report wrong information on all 3 of my reports, I have submitted paperwork asking them to remove it from my report, this company Exeter finance has been reported to the XXXX XXXX XXXX for there unsavory practices to the consumer, they have had many complaints filed against them from consumers to the XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-04-07
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-21
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 got a copy of my consumer report from Equifax and notice they were reporting a last name that didn't belong to me I mailed them a letter letting them know they were reporting a name that did not belong to me and I mailed with the letter a copy of my ID SSN # and Utility Bill asking them to remove it, the last name they were reporting had inaccurate accounts attached to them that did not belong to me, so I file a complaint to the FTC and CFPB for identity theft and sent to Equifax through the CFPB portal I also mailed it along with my identification again. They mailed me a letter on XX/XX/2022, saying they couldn't investigate because the information I sent to them didn't match the information they had on file that's because they were still reporting the last name that I told them didn't belong to me and I sent in proof several times of my full legal name. I never consented to any information being furnished, and this infringes upon my right to privacy I am demanding this information be deleted permanently or I will escalate this and hold Equifax personally liable.
Consumer complaint received 2022-10-21
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: WELLS FARGO & COMPANY (CA)

In XXXX of 2022, I recieved an email on my student email about a job opportunity. I was late to notice that email, but I replied to it on XX/XX/XXXX. The email was from someone pretending to be from the World Health Organization. I was told that I would be helping the disabled get the items they needed. I would be sent a check to deposit via mobile deposit through the Wells Fargo app. After giving her my ID she sent me a check via email and told me to print the pictures out and deposit them through the app. She never once asked me for my social security nor any money so I didnt think that it would be a scam. Plus the email was sent to my student account. At the time I was very inexperienced with mobile deposits and the app itself. After the check was deposited Wells Fargo closed both of my accounts ( checking and savings ), which was understandable since the check was fraud ( which I didnt know at the time ). I tried to call Wells Fargo and even visited two branches in person ( XXXX XXXX and XXXX XXXX ). None of them helped much except XXXX XXXX which helped me open a new checking account. Which was also closed after a few days. I tried to open a new account through XXXX XXXX XXXX but they also rejected my application because of what happened with Wells Fargo. The story is being misunderstood and misinterpreted by Wells Fargo and I cant seem to explain my story to them.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank altered their overdraft protection policies, resulting in a {$34.00} overdraft fee to my checking account. Rather than move the money from my savings account to cover the {$6.00} overage ( as per their past policy ), Chase Bank in under 24 hours added a {$34.00} overdraft fee to my checking account. 

Upon going into the local Chase Bank branch to report what I believed to be a mistake, I was informed that this was their current policy. And, although Chase removed the fee, the banker informed me that he would not remove a similar fee again.
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (TX)

Hello. I am making this complaint against Crypto.com for their negligence. On XX/XX/XXXX, there was an unauthorized transaction made on my account. At this time, I was unable to login to my account ( Someone logged me out and changed my pin ). After I got in eventually, I saw that my money was transferred from my initial investment into XXXX and then into XXXX and withdrawn to a wallet that is not mine. I notified crypto.com through their chatting support system ( thats all they have ). I sent them proof and after the relevant department finished their investigation, they decided that nothing happened and they will do nothing about it to help me. After this, I go online and find out that there was a company wide hack that happened AT THE SAME TIME this transaction was made and my money was stolen. Many crypto.com users were affected. Why was I not notifed about this hack? Why was I not notified when this unauthorized transaction occurred? and why are they not willing to admit that I was affected by it? This is no coincidence that his hack happened at the SAME EXACT TIME that my money was taken and crypto.com is unwilling to take any responsibility. truly the worst crypto currency app ever made.
Consumer complaint received 2022-03-15
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. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX/DEPT OF ED 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

I have tried to call MOHELA customer support on multiple different days, at different times of the day to verify that they received my complete PLSF application that I faxed in on XXXX XXXX, 2022. Once I got through their automated phone prompt system it would say " due to overwhelming response... we are unable to take your call ''. I tried to contact them via email, but that requires setting up an account and they wouldn't let me do that because my loans haven't been transferred from XXXX to MOHELA. Now that I've finally been put on hold ( instead of being kicked out of the system ), it's telling me my expected hold time is 195 minutes ( over 3 hours )!!!! That is obscene. They need to hire more customer service staff. I've dealt extensively with customer service at XXXX and XXXX and never had anything like this. The PSLF temporary waiver application is due by XXXX XXXX, 2022. I'm trying to do the responsible thing by verifying my application was received. The fact that I can't get in touch with MOHELA to do that is outrageous.