davidheineman/consumer-finance-complaints-large huggingface dataset:
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 is missing that should be on the report
Company: CITIBANK, N.A. (NJ)

Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MO)

Hello I have made transfer to XXXX on XXXXXXXX XXXX XXXX and XXXX promised to deliver the funds by XX/XX/2022. The transaction reference number is Reference No.XXXX and the transaction amount is XXXX USD. Its been almost 6 months and the funds were never delivered and were deducted from my debit card. I tried contacting Remitly multiple times and the only thing they say is they are working on refunding it but never heard back.
Consumer complaint received 2022-10-21
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

I received a letter from Credit Control , LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX XXXX XXXX and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX XXXX, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights.
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: Self Financial Inc. (OH)

XXXX XX/XX/XXXX, for self lender XXXX XXXXXXXX sine XXXX Ive contacted both several times telling them I wanted to exercise my 15 usc 1608 consumer rights
Consumer complaint received 2022-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

We purchased our home at XXXX XXXX XXXX XXXX XXXX Il XXXX XX/XX/XXXX for {$81000.00} with a FHA loan. We paid on our home for approx 20 years and on XX/XX/XXXX it was allegedly assigned to Nationstar. At that time it was determined we owed {$83000.00} on our home which is more than we bought the house for. In XX/XX/XXXX Nationstar said we owed {$89000.00}, and XX/XX/XXXX Nationstar said at the time of transfer we owed {$130000.00}. On XX/XX/XXXX Nationstar gave us a payoff in the incorrect amount of {$250000.00}. All of these incorrect contradicting amounts seem to equal up to mismanagement of escrow and possible fraud. I am requesting an investigation into their accounting. Nationstar filled foreclosure against me and when we recently requested a modification we were told by Nationstar 's attorney XXXX XXXX XXXX, that the modification would be handled by her. She accepted the modification paperwork and when she was questioned if the modification had been approved she emailed, hey you were denied. We never received official notification from Nationstar which deprived us of the right to appeal the decision. When we emailed XXXX XXXX to request the denial notification we never received one. Nationstar violated FHA guidelines requiring face to face meetings, as they never initiated a face to face meeting claiming not to have any offices within XXXX miles of the property. Im requesting signed certified copy under penalty of perjury of the on and off accounting ledger of Nationstar 's servicing of the loan for payments.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2022 Post hurricane I knew I needed a new place to live and finalized a lease. The landlord ( XXXX XXXX ) requested XXXX. Knowing XXXX initially limits new recipients amounts I sent first transfer XX/XX/XXXX. On XX/XX/XXXX I arrived at new apartment to finalize the lease. The power was still out. I tried {$600.00}. the bank was supposed to text me a code but it never arrived. I requested a second but it did not populate and bank website logged me out. I logged back in and sent the {$600.00} but somehow I was notified it was sent to XXXX XXXX. I immediately called the bank who told me too late funds dispursed. ( later the bank claims person says it was documented I called at XXXX on the hour and funds released XXXX. ) I immediately verbally file a dispute and sent {$600.00}. to XXXX XXXX. I then paid the remaining amounts to XXXX over the next few days.The claims department told me case closed nothing could be done because a token came from my phone. 
XXXX XXXX texted me asking why I sent the money. I told him error. He said he knows XXXX and thanked me for the money. The bank never contacted me prior to closing claim and then said it's out of their hands.
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 — Public record information inaccurate
Company: MoneyLion Inc. (WA)

Had a fraudulent loan taken out using my information, but with a different phone number, bank account, and address that I have never used or claimed to be mine. The company that provided the loan to the fraud was MoneyLion. The account was signed up on XX/XX/2022 but I did not realize it had been reported on my credit report until recently when I went to open a credit card and was rejected. I checked my credit and on my report I had a {$1000.00} loan taken out by someone that was not me. I contacted MoneyLion support and they provided me with the loan details, showing my name but a different address and phone number. I assume to take out a loan they used my social security number, date of birth, and full name but used a fraudulent address, phone number, and bank account. I have tried contacting MoneyLion support through email and they told me I had to call in. When I try to call in I am unable to get past the robot that handles their calls. When I attempt to get through the robot I am left with the robot guiding me to go back to emailing support for help, and get stuck in the loop of them ping ponging me back and forth from email to phone call. I have also contacted my local police department and they have given me a police report to give to MoneyLion, but like I previously stated, I get stuck in the loop. I am looking to file a lawsuit with MoneyLion for wrongfully putting out a loan under my name and credit report ( social security ) but with a different address, bank account, and phone number. They should have easily been able to look at public records to find my address and phone number and avoided setting up a fraudulent loan. MoneyLion is currently charging interest on the unpaid loan and my credit continues to be lowered. I am unable to open a credit card or get a loan for anything, my financial life is essentially ruined for the time being. Please help me with this case I am willing to provide all the evidence that I have. I have already spoken to a lawyer who claims that my case is valid and strong and is willing to move forward at any time.
Consumer complaint received 2022-04-05
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)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2022-10-21
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. (CA)

XXXX purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.
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. (OH)

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRONTO FINANCE INC. (NV)

I purchased a vehicle from Pronto finance in XXXX, IL in XXXX of XXXX. I always paid my car payments on time for the full four years it was due, I made what should have been my last payment on XX/XX/XXXX only to be now told I owe fees from XXXX. I never heard about any fees getting accessed when I paid my car loan both in person and over the phone I asked why was I not told of these alleged fees until now and got no answers. They claim it was penalty fees for not having insurance to which I answered I have been asked about insurance every since I owed the car and always provided it and never received any response afterward also I stated since I have changed insurances several times since XXXX I have no idea who I was insured with at that time. If I owed fees for the years XXXX why wait until the car is paid off to tell me? The car is paid in full along with the interest, why should I pay for fees I never knew anything about? After not hearing anything about fees for four years they are now calling trying to get what is no more than extra money. I don't think it is a good business practice for a finance company to charge fees for years and not tell the consumer until the end. After having this issue with them I read their reviews and noticed others stating how they charged them fees and never told them about it.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens promoted an offer that is not standing behind. The offer concerns opening a new checking account and receiving a {$300.00} bonus for doing so. 

I have confirmed the rules through the branch manager, XXXX, on XXXX XXXX in XXXX XXXX several times about this online offer to open a new checking account with Citizens and receive {$300.00}. The last time I spoke with XXXX on XX/XX/XXXX, he directed me to the area that handles this promotion. The last conversation I had was on XX/XX/XXXX with the promotional representative and she confirmed that a {$300.00} deposit would be made on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke with the branch on XXXX who told me my {$500.00} deposit in the first sixty days of when the account was opened needed to be made in one direct deposit of {$500.00} not two on the same day that totaled over the {$500.00} minimum required which I have done. That was not mentioned to me prior to XX/XX/XXXX when I was told the amount would be in my checking account by anyone at Citizens and I spoke to at least four different individuals at different times throughout the months since opening the account. 

I made two direct deposits on XX/XX/XXXX, XXXX for {$93.00} and the other for {$420.00}. Prior to that on XX/XX/XXXX I made a deposit of {$100.00}. I have kept all commitments per the offer.
Consumer complaint received 2022-10-21
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. (CA)

and prior XXXX report shows XXXX  correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX XXXX and Equifax each corrected the status of the account to XXXX agreed but did not eliminate the two missed payments displayed on the credit card I never ordered. The settlement was agreed to was XXXX that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
Consumer complaint received 2022-10-21
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: Self Financial Inc. (CA)

and prior XXXX report shows self correction and agreeing to correct a problem with many different angles including not sending a credit card that originally wasnt ordered by me anyway and continues violations of the FCRA rule in regards to reporting erroneous information when already agreed to correct the issue. XXXX XXXX XXXX and XXXX each corrected the status of the account to XXXX agreed but did not eliminate the XXXX missed payments displayed on the credit card I never ordered. The settlement was agreed to was self that would be taken off the record since it was their fault for ordering a card I never ordered. To maintain status quo I agreed with XXXX to keep the card but Im starting to regret it.
Consumer complaint received 2022-04-05
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. (NY)

I have mailed Equifax on 4 different occasions in regards to an account with XXXX that reflects negatively on my credit report. I have elaborated with the company I have been a victim of identity theft and requested that Equifax investigate the following matter and remove the account. I have never received any rebuttal from the company which leaves me with no option but to reach the CFPB. 



XXXX XXXX XXXX
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. (KS)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-05
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. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
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. (SC)

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Consumer complaint received 2022-10-21
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. (WA)

Per XXXX XXXX XXXX - XXXX, XXXX and Equifax have not fulfilled their obligations in investigations per 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ). During their neglect in completing these investigations in the disputes that have been made, I have received adverse actions and have been discriminated against due to inaccuracies, false reportings & misuse of my assumed consumer report. There has been no thorough investigations nor thorough reinvestigations pursuant to 15 USC 1681i by any of these credit reporting agencies, which places them in violation of 15 USC 1681n. There is no proof that I have given them written or verbal consent in reporting anything on my assumed consumer report or to furnish an assumed consumer report with some of my private personal information that was obtained fraudulently. This is in violation of my rights as a consumer and I demand this to be rectified. They have deleted " chosen '' false information that was previously on my consumer report, however, are continuing to furnish items on my assumed consumer report that negatively impact my rights as a consumer without any just investigation, reinvestigation or explained verification that they verified the information is correct. They are wilfully denying my right as a consumer, and are therefore acting wilfully unlawful and are federally due to be held accountable. 

A link is provided via the source of their fraudulent and unlawful activities ( lack thereof ). 
https : XXXX