davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Transform Credit Inc. (CA)

I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in 2021 and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. 

The account is with the XXXX XXXX XXXXL account number XXXX Another account was opened without my authorization XXXX XXXX XXXX that LENDER is : TRANSFORM CREDIT INC account opened & closed in the amount of {$220.00} on XX/XX/2021
Consumer complaint received 2021-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (FL)

On Monday, XX/XX/2021, I was looking for a {$70000.00} Personal Loan to fund a renovation I am running in my house and I checked the rates with SoFi ( Social Finance , Inc. ) and they were attractive. They only pulled a soft credit with a credit bureau ; they pre approved me. 

Then, next step was to send an official application, when they would pulled my credit info from a bureau. In a given screen about immigration status they offered 3 options to be chosen from : XXXX, XXXX XXXX holder, Non-immigrant ( option that would limit the the loan to T {$35000.00} XXXX. I, then, on the same day XX/XX/XXXX, chatted with a customer support representative BEFORE SUBMITTING THE APPLICATION to understand what I should do as my situation is having an EAD/Advance Parole holder with a EB-5 Green Card application approved ( I-140 ) awaiting the card to be issued. I was informed by the agent that if I had the approval letter I could submit my application, as a green card holder. 
Note : I was logged in so they have that conversation store in their system. 

I proceed with the application and was approved for up to {$90000.00}. I ended up keeping a {$70000.00} request. Following, they requested me to send me my docs and after a lot of back and forth a agent calledXX/XX/XXXX. stated clearly that I had to submit an I-797 Form with my green card approval to be finally approved. I sent that and after more back and forth the agent XXXX XXXX denied the loan unless I fulfilled this absurd request to add a XXXX or XXXX XX/XX/XXXX holder to my application as a co-signer ( even to get less than {$35000.00}, the opposite of what they stated before ). 

I refused to do so as I earned a great credit as an individual, paying my bills and taxes diligently and I am the only responsible for my personal finances. Then, they denied my request, left me without the loan and with a credit score hurt by their hard inquiry - even though I presented all documents requested.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

I am in the process of finding a new apartment. My current lease ends at the end of this month. I've recently found a new apartment ; however, the new leasing office ( XXXX XXXX has been unable to pull my Equifax credit report, after various attempts. The leasing office receives an error telling me to contact Equifax. I've been calling Equifax numerous times a day over the past week, but they continue to quickly tell me that my file is not locked and that there shouldn't be any issue. The apartment is being held for 7 days, but I need to get this resolved ASAP or I may end up without a place to stay..The leasing office is  using a company XXXX XXXX to pull the credit report. I've confirmed that they are submitting my information correctly, but still it returns that it is unable to pull my Equifax Credit Report.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM LOOKING FOR HELP GETTING THESE FRAUDLENT ACCOUNT REMOVE. I AM HOPING I AM CONTACTING THE RIGHT COMPANY. BUT I AM A VITCIM OF IDENTITY THEFT. SOMEONE HAS STOLEN MY IDENTITY AND OPENED UP FRAUDULENT ACCOUNTS IN MY NAME. THE ACCOUNTS ARE HAUNTING ME. I HAVE BEEN TRYING TO FIND THE CORRECT REMEDY TO GET THESE ACCOUNTS REMOVED. NOT ONLY DID THEY OPEN ACCOUNTS BUT THEY ARE INQUIRING ABOUT NEW ACCOUNTS. I HAVE SEVERAL FRADULENT INQUIRIES AS WELL. PLEASE HELP.
Consumer complaint received 2020-07-13
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Consumer complaint received 2020-07-13
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: Residential Bancorp (NV)

Hello, The reason for the complaint is because My spouse has passed   away, and XXXX XXXX XXXX is incorrectly reporting a credit card that belonged to my Ex Husband. My ex husband opened the account in XXXX, and we were married in XXXX. I was a authorized user for emergencies, but I never used the card and/or accrued any debt on this credit card. The card was reported lost/stolen XXXX. XXXX XXXX called my home asking for my Ex husband XXXX XXXX XXXX XXXX, and I explained that my husband had passed away. I attempted to get info on the account and they would not speak to me because I was not a card holder. The account is negatively impacting my credit and I have no way of fixing the problem.
Consumer complaint received 2022-08-07
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. (MN)

In accordance with the Fair Credit Reporting Act un wanted Credit Inquiries have violated my rights 15 U.S.C 1681 section 602 A. Section 1 : 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 an account without my written instructions
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

XXXX XXXX XXXX Date opened : XX/XX/2018 _ Amount {$680.00} _ Account NO # XXXX I reported it is FRAUD to XXXX XXXX since from XX/XX/2018 until now. My name is not XXXX XXXX. It's a similar name mixed with someone else.I never lived in MA. I never open any utility account under XXXX XXXX. I present all prove of address, personal ID, and file police report. I followed all steps from XXXX XXXX requested. Still could NOT get ride off this negative record. It's 21 months still pending. 
Whatever I called, email, disputed ... ... Nobody answer, nobody take care. 
21 MONTHS, still can not solve my problem.
Consumer complaint received 2020-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

Under the CARES Act, student loan servicers are required to refund any payments made on eligible loans made after XX/XX/XXXX but before the Act was passed. I made such a payment on XX/XX/XXXX, but despite numerous requests to FedLoan servicing, I have not received a refund, nearly four months later.
Consumer complaint received 2020-07-14
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: BARCLAYS BANK DELAWARE (FL)

In reviewing my credit I have two accounts that are not mine. 

XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Barclay Bank Delaware opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.
Consumer complaint received 2020-07-13
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. (OH)

Equifax Problem : On XX/XX/XXXX my Equifax score dropped 77 Points. I have had no negative marks for 2 years and my score went up 20 points in XXXX. I am in positive standing with all creditors. There is an old existing charge off from XXXX which they stated caused the drop. But this is old and since experienced a score drop at that time. My credit has been in stellar standing since and steadily increasing to the upper 600s / and now 700s - 733 prior to this drop on Equifax being my highest number. Confused. Clearly upsetting, this has harmed my ability to access competitive rates and or borrowing at all as well as possible effects on gainful employment. I am wanting to get a house later this year. I have been working diligently to pay bills and keep a positive balance of accounts currently at 11 % usage on cards. Equifax offered no further explanation on XX/XX/XXXX. I know my rights and it is illegal to renew a previous derogatory account.
Consumer complaint received 2020-09-22
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. (AL)

I LOOKED AT MY CREDIT REPORT AND I AM IN DISBELIEF AT HOW MANY FRAUDULETN ACCOUNTS APPEARED ON MY CREDIT REPORT. SOMEONE HAS MY INFORMATION AND ARE FRAUDULENTLY USING IT WITHOUT MY PERSMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT
Consumer complaint received 2022-08-05
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. (TX)

Someone tried to open up a Credit Card with XXXX XXXX XXXX XXXX XXXX under my name. 

I told XXXX XXXX that this is NOT me and to NOT open up that account. However, the Credit Inquiry is still open under my name and the Account is being reported to Equifax as an " Open Account '' under my name.
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

A year ago, I paid an online service for malware elimination. At that time, the service made it cler that this was a subscription and that if I did not cancel the subscription I would be charged another {$10.00} one year later. I went online and cancelled the service because I didn't need a subscription. I have the meail documenting this cancellation. This week, the service charged {$40.00} to my Paypal account. I diputed this charge with Paypal and was informed that they derermined the charge was legitimate. I sent the subscription documentation to Paypal but have gotten no response. I also sent the cencellation documentstion t0 the service provider and no response. This is a fraudulent charge and Paypal needs to refund my money. Paypal transaction number is XXXX.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

They included in my my monthly statement legal fees of {$24.00} and property inspection of {$30.00} without telling me and what gives them the right to charge me for something that I did not agree to pay and what right do they have to add charges to my monthly statement
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I traded my car in on XX/XX/2020 for a new car but my credit report is still reflecting a balance on my credit report.I reached out to XXXX multiple times and they keep hanging the phone on me.I show multiple accounts 0n my credit report which is hurting my credit score.I am asking for them to update my report paid in full.
Consumer complaint received 2020-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KY)

On or around XX/XX/20 I was contacted by Wells Fargo for Fraud concerns on my account. At that time, I informed that that the transfers between accounts were not mine and I did not authorize them. I was advised my accounts would be shut down and I would get checks for my funds and I could reopen later. However, instead a FRAUDULENT mobile check was deposited to my account and when it bounced after Wells Fargo ERRONEOUSLY paid it on a marked Fraud account, they deducted the funds from me. My funds should be returned to me in full to my previous Fraud balance of XXXX. I did not make the transfers, did not make the deposit. It is NOT my signature. Additionally it was drawn on a bank in Florida where I am not living nor have I ever lived. There was a full and completely takeover of my online account and all my information was required to be changed. At this time XXXX XXXX is REFUSING my claim in violation of Reg E and Fraud requirements. The executive offices claim they are unable to overturn a Fraud Claim and all I got was the run around for 3 days. I am a college student living off of these funds and it has created unbelievable stress for how I will pay my way at school and Wells Fargo has been rude and unhelpful referring me to the Branch that is 40 mins away from my school in Kentucky which is creating additional burden.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

My checking account with CitiBank was closed by the bank without any visible reason on XX/XX/XXXX. Meanwhile Ive had a check deposited on XX/XX/XXXX which went on hold. On XX/XX/XXXX I received the letter from the CitiBank Fraud department stating that my account is being closed and that it is going to take 30-60 business days and if I have any funds available ( which was my check ) it will be returned to me by the mail with the official check. It is XX/XX/XXXX and I still havent received my funds. I called them already 6 times and they kept lying to me that the check is going to be sent tomorrow, still nothing. I went to the branch which gave no results either because the banker has no info and has to contact the same department as I. I called them in again today and they said that they need more time to verify, I could not get the answer WHAT actually they need to verify, but I am sure that 7 month is more than enough to verify whatever they need. That long funds withhold caused me a huge damage, especially during the pandemic times, I am in a really difficult financial situation right now and I can not get my money.
Consumer complaint received 2020-07-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IN)

I am a XXXX male attempting to buy the house that I have rented for about 8 years total. When the loan process began I was told the closing costs ( cash at closing ) should be close to about {$3400.00}. At the time I had about that much. Over time the amount needed at close got to be closer to {$6000.00}. A week or two before the XX/XX/XXXX closing date I was asked my race ( XXXX ) and then they began asking for documents they already had. For a second time I submitted all the same documents. I have screenshots of all of these. They requested a " gift '' of {$4000.00} even though I had {$5500.00} in the bank. At one point I had {$6500.00} in the bank and all I needed to close was {$5700.00}. They said they could only verify XXXX of the money that was in the bank even though I submitted paystubs as well as bank statements to show proof of the money coming in. In addition, some of the funds were a tax refund and a stimulus payment which a portion of those were taken from another account which I showed the statement from that XXXX XXXX  account to prove that as well as screenshots from the GOVERNMENT with dates to prove that was where those funds came from. I have worked as a XXXX XXXX since XXXX. They acted as if I just started my job a few months ago which is incorrect..I have been there since XX/XX/XXXX and worked for XXXX XXXX for 3 years prior as a XXXX XXXX. I feel like they should not have said " pre-qualified '' and even though I paid down all credit during the application process and my score steady dropped thru the covid season due to Quicken checking my credit multiple times and then as I am a XXXX XXXX I use my credit card over the road and pay my card off monthly ( usually ) and the score still dropped from good to fair ... that shouldn't have affected my ability to close. They claimed it was my 'verified funds ' that was stopping me. Also the appraisal was done by a market analysis and I believe {$500.00} from XXXX some information is also unfair! This house is definitely worth much more than that. But no one would know this being they never came inside.
Consumer complaint received 2022-02-01
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: DISCOVER BANK (TX)

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *.DISCOVER FINANCIAL SER Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX Personal Loan Companies Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CO)

When they first offered mortgage assistance on their website in XXXX of this year, there was no explanation as to terms or ramifications just straight delay payments up to 3 months, but then, it suddenly went to 6 months. 

For over a month I had no information on what would happen at the end of the delay period nothing for almost 2 months, then all of a sudden, I am getting a payment assistance application in the mail, along with letters stating I have no payments due until XX/XX/2020 AND then I am notified you put a derogatory comment on MY CREDIT REPORT! 
At first, I thought the missed payments would be added to the end of the loan and I thought, this is a sweet deal I can use my mortgage payments to knock down other debt and make it up on the back end of the loan LIKE SO MANY OTHER COMPANIES offered. 

Then I had a phone conversation with someone who said that isnt how it works well they COULD HAVE led with that in XXXX. made it very clear upfront So then I thought, ok I will just bank my payments and earn a bit of interest, THEN they put a derogatory comment on my credit report AFFECTED BY DISASTER IMPLIES A LOT OF DIFFERENT THINGS AND IT IS AN UNFAIR AND LEADING STATEMENT. 

I received a letter in XXXX indicating my escrow went up and my payment would go from XXXX to XXXX in XXXX. 

I sent my XXXX XXXX and XXXX payments all at once, including the extra money for XXXX and they didn't even apply it correctly! 

Now they say my payments have gone to XXXX - again for escrow. 

XXXX? I don't think they actually know what they are doing
Consumer complaint received 2020-07-13
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. (TN)

I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXXXXXX XXXX  in XXXX. 

I called XXXX XXXX and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see XXXX XXXX has put late payments on my credit file during this time. 

The entire process I communicated with XXXX XXXX. XXXX XXXX even put me on a special payment plan during this time. XXXX XXXX failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXX 

This is unethical. I have written several correspondences, emailed, and called XXXX XXXX and have received no response to help me with removing these late payments.