davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I contact XXXX, Equifax, and XXXX about hard inquiries on my report. I got the most push back from XXXX and XXXX but all 3 told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.
Consumer complaint received 2022-02-21
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. (IL)

Due to ongoing lawsuits, on top of communication strains caused by COVID-19, it has never been acknowledged that my information was taken advantage of due to a data breach subjecting me to fraudulent activity, and malpractice while several laws were being broken under the FCRA by Equifax Credit Information Services INC . In addition, I also have not even been able to access my report from this company. This all has caused me financial injury, defamation of character, and I am not able to get approved for my mortgage or refinance my auto loan. This has really hurt my ability to obtain credit, which is needed during this time in a pandemic. This is not only affecting myself but also my child, our stability, and our well-being.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc. (NY)

Sofi credit card had a promo around XX/XX/XXXX of offering a 5 % cashback for the first 12 months with a qualifying direct deposit of {$1000.00} per month. Then around the next month, they claim they made a mistake for 5 % but it should have been for 3 % cashback, which is fine for me. I can understand and accept that. I was earning 3 % until XX/XX/XXXX ( therefore I was only earning for around 2 months only ). The 3 % started becoming 2 % cashback and I spoke with phone reps 2 times to dispute this and once on online chat. I was still qualified since I met the {$1000.00} per month in direct deposit. I was also told that they would investigate the situation and see what went wrong. Today is XX/XX/XXXX. I have yet to hear a response back so I decided to message them on chat. The chat rep said that I hit the cap of XXXX points for the 3 % promo. I do not recall any maximum cap for XXXX points. I was not given any terms of conditions that stated that I had a cap of XXXX points. As I ask the chat rep to provide the terms of condition for further proof, the chat rep stopped answering me. Screenshot will be provided of the chat log. I think that Sofi is abusing their system and not following their own protocols. I wanted to report this for further investigation as Sofi is abusing their internal system.
Consumer complaint received 2020-03-02
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. (FL)

I have been a victim of identity theft and my credit has suffered tremendously due to it. I am trying to purchase a home this year and this has taken a huge toll on me and my family. We have a tough time getting approved for the most basic things due to this and we are just tired of it. We have tried to notify the credit bureaus to no avail and would like to see if you can help. Please help me in this matter thank you.
Consumer complaint received 2020-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

On XX/XX/XXXX between the hours of XXXX, I went to ACE Cash Express located on XXXX XXXX, XXXX, Ohio to apply for a loan ( hoping to be approved for {$600.00} ). After giving my information and proof of income, the loan agent XXXX informed me that I was pre approved for {$100.00}. I apologized and stated that I needed approximately {$600.00} and that it was okay, I wouldnt be taking the loan out then. She repeated back to me, So you dont want to do it? I confirmed, No, thanks. She then had me sign one more document and told me I was all set. I then left the store. XX/XX/XXXX I received an email from ACE Cash Express stating that my loan was past due and was being transferred to collections. This was a surprise as I had asked the agent who helped me ( XXXX ) to cancel the loan. I called the store the next day and another agent ( XXXX ) answered my call. She notified me that yes, I had indeed took a loan out on XX/XX/XXXX for {$160.00}. That would have been the {$100.00} plus fees. I told her that was impossible because I left the store that day with no money. She further explained that I had been paying my balance down some how because now my total was {$100.00}. I expressed again that I did not leave the store with any money and no money is being taken from my bank account from this establishment. She then stated she would have her GM look into it and call me back. I didnt hear anything back from that. I then called customer service and collections, no one could help because there was no proof I didnt leave the store with money the day I went to apply. So customer service put in a request to have the district manager call me. XXXX called me promptly the next day and stated she would investigate and get back to me the following Wednesday. Wednesday arrives and I give XXXX a call, she stated that she had gotten her boss involved and she was going to the location the next day and will get back to me after her visit that day. I never heard any else and have tried to contact her and the store. I am not happy and do not feel safe with my information at this establishment and find it absurd that no one can figure this out as it is as simple as reviewing the security camera film from that day. I now have a loan in collections that I said I didnt want ( at the amount that was offered ). I feel something inappropriate occurred and now it being covered up.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Carter-Young, Inc. (GA)

XXXX collections is reporting on my credit a medical collections account that IS PAID IN FULL AND WAS BEING PAID BY THE INSURANCE it can not legally report anything on my credit as I do n't have an account with them and Medical collections cant be reported if they are being paid by Insurance. They use the name carter young on XXXX Credit report and the name XXXX on my XXXX report and have no name listed on XXXX the account has a XXXX balance and needs to be removed within the XXXX days that they are allowed by the FDCPA as my right 1. I am requesting a FULL payment history 2. The contract that I have with XXXX ( I do n't have one ) 3. The signed paper work req for me to waive my hippa rights. 
4. The contract where this account was placed with XXXX has XXXXdays as the law stats to validate this debt provide my in writing the the above information. If they fail to do so they have XXXX options remove this account from my Credit File or face legal action.
Consumer complaint received 2020-01-13
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. (NE)

I reached out to XXXX ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at XXXX and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.
Consumer complaint received 2022-02-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

On XXXX XXXX, 2018, I opened an account with XXXX XXXX XXXX  got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I was in the income based repayment plan and am having to pay to much! I am unemployed and have been for 5 years. I am a XXXX of XXXX kids. I can not work at this time. My husband is the only person working and supporting a family of XXXX. I asked for help and was given an amount to pay back but i cant afford what they want me to pay monthly. I have not recieved any notice of when i needed to redo my loans. I hope to get some help as i am way behind in repayment.
Consumer complaint received 2022-02-20
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. (NY)

The items I disputed I have no prior knowledge of I do not know how they are on my report or how are they are being verified this is very frustrating and I have disputed these items on my report thirty days and have not received no verifying documents which I have requested
Consumer complaint received 2022-02-21
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I booked a trip and paid in XXXX of 2021. The same day I booked the trip I noticed that the terms of the hotel were incorrect. The ad stated that it would be " Breathless Adult Only '' resort or similar. The hotel was not similar. The same day I called the company that I booked the trip to cancel. They would not cancel. I then contacted the credit card company ( citi ) to dispute the charge. They told me 90 days to dispute, I sent them the info they requested. I did not go on the trip. I called and emailed several times to get the dispute resolved. I was hung up on several times and told I need to speak to different departments. The dispute was closed and then reopened. I was told it would be handled and it would not be a problem. Now they are charging late fees and affecting my credit and it still shows the dispute is open.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Allegro credit closed my account with one payment remaining. Have been making payments each month for about 20 months and am ahead of billing. Now, I go to make the last payment and account login doesn't work. They also do not pick up their phone even during their scheduled business hours and it just says not open for business. I think they are perpetuating a scam and trying to make me late or not accept this last payment in order to bill tons of interest. Similar complaints are on the XXXX  website. Please help!
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

On XX/XX/2019, I received a phone call from Penn Credit Corp claiming I owed a debt of {$150.00} to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I sent a debt verification letter to Penn Credit corp, as I am entitled to under FDCPA. I continued to receive phone calls from them, and I repeatedly requested a verification of the debt that included a bill from XXXX, at the one they sent me did not not XXXX on it, nor did it look like an official bill. It looked like a bunch of number put in an excel spreadsheet. I also requested information regarding 1 ) Agreement with the creditor that authorizes Penn Credit to collect on this alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 4 ) Proof that the Statute of Limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges being assessed 6 ) Information showing me that Penn Credit corp is licensed to collect in my state ; and 7 ) license numbers of the Registered Agents I was in contact with. Penn Credit corp sent me the same papers that look like an excel spreadsheet, which do not contain both my name and the name of XXXX on the same page. They did not provide me with the information i requested, nor was it enough to verify anything. Penn Credit corp continued to call me, and I brought up this concern with them. I explained that it did not seem like a legitimate debt, they then threatened to " happily '' report this debt so it " hits my credit score ''. The document attached is the same letter I sent with personal information removed.
Consumer complaint received 2021-01-19
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: Experian Information Solutions Inc. (CO)

XXXX XXXX {$10000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$10000.00} {$10000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$10000.00} Monthly payment {$280.00} Late payments - No payments have been reported on this account. 

XXXX XXXX {$34000.00} Balance updated XX/XX/XXXX Unknown payment history
Consumer complaint received 2020-01-13
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. (MO)

My identity has been compromised and I'm asking for a full investigation into these unauthorized and unknown accounts that's reporting on my credit file. 

1 ) XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX 3 ) XXXX XXXX  {$300.00} 4 ) XXXX  XXXX XXXX {$160.00} 5 ) XXXX  XXXX XXXX {$400.00}
Consumer complaint received 2022-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Hi Team I am raising a concern to CFPB regarding a fund transfer of {$2000.00} initiated from my bank ( Wells Fargo ) to XXXX ( an online XXXX exchange account ). 

I planned to invest some funds in the market ( online trading ) and sometime in late XXXX I have registered and setup an account with XXXX by XX/XX/XXXX & completed all background check verification by XX/XX/XXXX and added my Wells Fargo bank account on the same day. Later, I have initiated a fund transfer of {$2000.00} by XX/XX/XXXX from XXXX and XXXX uses XXXX to perform direct debit the amount from my bank. 

Over the internet I read some news that XXXX is collapsed and filed bankruptcy, from then XXXX not letting me to access my XXXX account nor able to access my funds ( {$2000.00} ). I was helpless and even tried to report this issue to XXXX customer support team as well but unable to reach them at all. I have even sent an email regarding this to XXXX compliance team, legal team, etc., but no response from them. 

On seeing this issue in order to secure my funds, I immediately reported this to my bank ( Wells Fargo ) that the transaction made to XXXX seems fraudulent transaction to me and requested to file a case by XX/XX/XXXX. 

-No action was taken by Wells Fargo- XXXX case was generated ( Wells Fargo Fraud Case XXXX XXXX XXXX ) and said I will be receiving the temporary funds of {$2000.00} will be issued, but after that my bank not even sent any details regarding this for more than a week, no confirmation, no email communication or information about the steps taken regarding the issue. 

When I tried to reach them out by XX/XX/XXXX over the call, I was told that this case was denied, and they will not dispute the charges, also least bothered to address about the issue. They are not concerned about the customers, or the reason why a fraud claim was submitted. They just bluntly asked me to work with XXXX itself to retrieve my money and can not do anything by Wells Fargo to retrieve the money. 

I was helpless with XXXX and reached Wells Fargo & even my bank cornered me by not providing a right resolution to retrieve my funds back. 

Request to help me to get this issue resolved.
Consumer complaint received 2020-01-13
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: DISCOVER BANK (AL)

I have an account reporting on my credit report from Discover Bank that I did not apply for. In fact, I was not even in the country when this account was supposedly applied for and used. 

XXXX XXXX # XXXX
Consumer complaint received 2022-11-21
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. (MD)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand all hard inquiries and the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did no give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-24
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: Exeter Finance, LLC. (DC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an a open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-12-11
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

Fraudulent FHA application indicating that I did not bring any money to the closing and if I did, was it borrowed? 

Note : FHA insures reverse mortgages for one-to-four family units under the various provisons of section 255 of the National Housing Act ( Title 12, United States Code, Section 1715z-20 et.seq ).
Consumer complaint received 2017-03-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

Received two letters from XXXX stating that my accounts with XXXX were being sold to a collection agency XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, Equifax and XXXX and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} Equifax shows both XXXX accts the same as XXXX but no XXXX accts. 
XXXX shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XXXX. I never signed a contract with XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are inaccurate