davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
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 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

On XXXX I communicated a concern to wells fargo regarding new account bonus offer. 
On XXXX i recieved a communication from a XXXX XXXX w/ ID : XXXX saying that a response would follow XXXX. 
I have records of my attempt to this executive Person for 8xtimes since that communication and to date feel that i was lied to willfully.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NV)

This complaint is in addition to a previous complaint. The complaint number is : COMPLAINT ID XXXX I am filing an additional complaint because the company in question is now in willful violation of statute. I spoke to 2 different representatives from CFPB who confirmed that the disputed amount on my credit card is Not to be part of the balance to be paid on my credit card. Unfortunately, the disputed amount of XXXX WAS part of my balance on my card and I was charged over {$200.00} in interest while this dispute is STILL under investigation. To make matters worse, I contacted a gentleman named XXXX from the Chase Credit Card executive office at XXXX Extrension XXXX who stated that they can keep the disputed amount on the balance and charge interest on it and just reimburse if the case should go in my favor. He stated this after I told him that I spoke to CFPB and I informed him that he was required by statute to keep the disputed amount off my balance and Not charge interest until the dispute was resolved. Unfortunately, they are hurting my credit score and charging me interest in clear blatant violation of the law. Please contact the merchant and require them to follow the law and get the disputed amount off my balance and the interest charges reversed as soon as you are able.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-11-30
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)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MN)

On XX/XX/2022, I submitted CFPB complaint number XXXX, in which I explain that CashApp will not let me access the funds in my CashApp account $ XXXX. CashApp replied, indicating that if I opened a second CashApp account and contacted CashApp support, that CashApp would then let me access my funds. Because CashApp replied, CFPB closed my complaint. I opened a second CashApp account $ XXXX and contacted support asking CashApp to allow me to access my funds. CashApp again refused to allow me to access my funds. Thus, I am opening another complaint.

Please do not close the complaint simply because Block responds to the complaint. Please close the complaint only after the matter has been resolved.
Consumer complaint received 2022-01-13
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX  XXXX XXXX {$0.00} CXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2022-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have a private Signature Student Loan currently with Navient loan company and formerly Sallie Mae. The loan is currently at the amount of {$31000.00} with a variable interest rate of 8.625 % earning approximately {$260.00} in interest monthly with my monthly payment being {$430.00}. The loan was disbursed while I was attending the XXXX University in XXXX after I transferred from Virginia XXXX XXXX in two payment on XX/XX/XXXX for {$12000.00} and XX/XX/XXXX for {$12000.00} for a total principal balance of {$24000.00}. It was then sold to Navient XX/XX/XXXX for {$35000.00} approximately {$11000.00} over the original principal. I was in 6 months of forbearance from XX/XX/XXXX to XX/XX/XXXX and have been paying monthly ever since. My loan principal despite being paid toward for this length of time has never decreased to the original amount of {$24000.00} and is currently at {$31000.00}. I believe this loan company, Navient, and previous loan company, Sallie Mae, each have been predatory in their actions towards me and mismanagement of the loan repayment process. I have spent considerable money doing my part to pay down this loan Ive 7 years and not only has {$0.00} gone towards the original principal of {$24000.00} but only {$3300.00} has been paid toward the original buying price that Navient purchase my loan at in XXXX! Please help!
Consumer complaint received 2022-11-30
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: GOLDMAN SACHS BANK USA (PA)

On or aroun XX/XX/22. Fraudulent purchase ( s ) were made from my account charged XXXX $ in Intrest charge ( s )
Consumer complaint received 2022-12-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (NY)

You should investigate all XXXX  companies. 

It appears they are allow My merchants to get paid without delivering products. Its a revenue recognition issues. 

Example. I buy something on XXXX XXXX. I use Afffirm to pay. Half my order ends up taking an extra six months to be delivered. As a consumer I keep paying Affirm. XXXX XXXX got to recognize that revenue 6 months earlier than they are really supposed to and me as the consumer has no furniture during that time.
Consumer complaint received 2022-12-03
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I originally had a mortgage through XXXX XXXX  which was never paid late. Then on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to XXXX XXXX  and then to Carrington mortgage Bank. Carrington rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. XXXX XXXX  apologized and removed the late payments. But XXXX and Carrington have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. 
We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.
Consumer complaint received 2022-01-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc. (FL)

Misleading preying and marketing tactics to gain entry to personal and financial information from the consumer. Found online after dozens and dozens of prequalified communications. Rating and giving the consumer the highest degree or approval odds to later back out of the transaction and deny loan based on " discrepancies '' they say exist, but no-one can explain or tell you what they are. All documentations provided were accurate, timely and presented in the fashion requested but very poor communication with the timely response of the representative took almost a month to move in the positive direction that should have taken a 5-7 day time frame. Disgusting and unprofessional demeanor from the " Supervisor '' involved was worthless and was less effective than the original representative. She also refused to give me her companies location, her ID number or any other traceable information to later identify her to avoid future scams with Upstart and so she can get training. Suggestion to the public is to avoid this predatory lending company " upstart '' and find other reputable companies that will not play games with your personal information you submit. Shareholders should be ashamed of themselves, and the board should fire all from the top down and start over or keep same practices and rebrand and call themselves downslope. Consumers would be better off going to the local pawn shop and building a relationship with the rep. that will rip you off with a 25 % lending rate. Run as fastest you can when dealing with Upstart.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (OH)

On Tuesday, XX/XX/XXXX, I received 2 emails saying Welcome To Chime, set up direct deposit and you'll get a XXXX XXXX  card. The next day I got an email saying my card is on the way, and they're sending it to an address where I no longer live. I guess they are using that as the billing address. 

I never signed up for Chime. I can't give you the card number because I didn't receive the card. If I actually had an account I would cut up the card and close the account, but someone else did this, so I don't have all the information. I just know they are using my name and I did not authorize it. 

The first email had this in it : Didnt sign up for Chime? Email us at XXXX **So I emailed to that and told them I did not sign up for Chime. I haven't heard from them. No response from Chime!
Consumer complaint received 2021-11-18
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. (TX)

I contacted Equifax back in the beginning of XXXX about them taking XXXX pts away from my credit score. There was nothing new on my credit report to warrant the points taken away. I called them and they informed me they can not tell me why and I would have to contact a credit adviser. I contacted a credit adviser and they informed me they don't know why Equifax told me but they are not able to tell me why that Equifax would have that information. At the end of XXXX Equifax increased my score by XXXX pts. So I thought ok they discovered they made a mistake and gave me most of my points back. Then today they took XXXX pts from my score again. I called Equifax and the lady told me that it's because I have 2 derogatory marks on my credit. These have been on my credit for 5 or 6 yrs. That is not why. I asked to speak to her supervisor and he told me that I needed to speak to a credit adviser and they will be able to tell me. I told him that I called before and they told me they don't know why Equifax is telling me that because they don't know why. He said I could reach out to my bank and ask to speak to a credit advisor and they can help me. So I called my bank and again they told me they can not tell me why Equifax took points off my score that only Equifax would know why. 

Why can't I get an answer? I have done nothing to warrant that many points being taken away from my score. I want answers and the company that took them can not tell me anything?! I just want some answers.
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (UT)

This company refuses to provide proof that any of the XXXX debts they claim they purchased are legitimate. I have had XXXX different process servers show up at my doorstep as a result of this company on over XXXX XXXX occasions with my personal financial information and potentially reputational damaging information exposed to all XXXX process servers. They have to follow privacy laws like every other company with regards to information like that. My information was not protected and illegally purchased. I receive a notice indicating that I had been sued when I hadn't even received a summons. It had been delivered to a neighbor. I have tried disputing all XXXX items with the credit reporting agencies without success and even with documents, videos and photos won't allow me to upload the evidence. Customer service with XXXX, XXXX and XXXX XXXX are practically non-existent and useless. This company grossly violates privacy rights and debt collecting practices yet they're still allowed to do business. Note how each person is holding the summons in the open, not in an envelope. I learned what they were from a business card that was left by the process server. Again, none of it was obscured from the 3 party and was actually given to a neighbor without an envelope.
Consumer complaint received 2022-01-07
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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

KAY JEWELERS XXXX Balance {$0.00} ;
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

Citibank sent me a letter on XX/XX/2022 saying they are going to close my checking account because of the possible fraud activities on my account. I called the Citibank many times to understand which transactions they think is fraud and when I could get the money back ( around {$400000.00} ). They told me it takes 30~60 business days to review my account and return my money. I told them I can send documents to prove all the transactions are legal but they said it is not necessary because they will request the document if needed. After 60 days, they told me the account was closed on XX/XX/2022 and I should receive the check in 5-10 days. After 10 days ( XX/XX/2022 ) they said they need to confirm with the back office and internal resolution team if the check is sent out or not. If not, they will resend it again. Today ( XX/XX/2022 ) they told me they won't return the money because the money doesn't belong to me and they can not further assist me. I asked to escalate to supervisor and the call was disconnected.
Consumer complaint received 2022-12-19
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.