davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

My name is XXXX XXXX XXXX, an United States XXXX XXXX, XXXX American Veteran, Social Security Number : XXXX XXXX XXXX. 
My Problem is with my Financial Institution, which is Called " Chime '' Chime give 's the Direct Deposit Early, or as soon as they get the Direct Deposit, from the Dept of Veteran 's, via the United States Treasury, that they Promote or Advertise this Policy, that they instantly Put this into your Chime Checking Account. 
When I didn't get my Direct Deposit, on XX/XX/XXXX, I Called the XXXX XXXX XXXX XXXX Number, which is the Dept of Veteran 's Affair 's, and they gave me the Payment ID # XXXX and told me that, they Sent XXXX Dollar 's to Chime on XX/XX/2022. 
The Dept of Veteran 's Affair 's also told me to Call Chime and give them the Payment ID # XXXX and they said that Chime has to give me, the Payment Date, with this Payment ID Number XXXX and when I called Chime they refused to give me a Payment Date and the Woman XXXX said, that she dose n't know why Chime is not Witholding my Direct Deposit. 
Now it's XX/XX/XXXX, and I still don't have my Money. 
Chime, is in Fraud and Perjury, because they advertise, that they Put the Direct Deposit into your Account as soon as they get it, which is a Lie of Perjury and Intentional Deception or Fraud. 
Chime, is holding the Money to get Interest Of the Money. 
If I don't get paid by Tomorrow, I can't Pay my Rent and I will be on the Street.
Consumer complaint received 2022-12-29
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. (AZ)

To Whom it May Concern NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This Is about the letter sent Via Mail shared XX/XX/2022 requesting your Company for validation of the below-mentioned account with MXXXX XXXX XXXX XXXXXXXX In response to the letter, your company sent a pile of statements received from the creditor as proof that I was credited for the alleged transaction. 

Further, the creditor reported this on my Consumer Report as " Charged off* It means that the creditor will no longer attempt to collect this alleged debt owed by them. 

Therefore, pursuant to my rights I approached the creditor and asked the following questions ; Have they sold this alleged debt? 
To whom is this debt sold? 
Are they still in the process of collecting this debt? 


I am enclosing here with the response received from the creditor. Also, I am mentioning below the answers to the above questions for your reference and record. 
Yes, they have sold the debt. 
The same is sold to your Company named Since they have charged it.off they are no longer in the process of collecting this debt Through the response received from the creditor, I would like to inform you that your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the " Creditor '' was attempting to collect the debt but in reality, it was not true.

Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k i.e {$1000.00} ( XXXX XXXX USD ). 

I am attaching herewith the invoice and if you fail to pay the same, I Will escalate this matter to Federal Court. 

I DEMAND COMPENSATION OF XXXX FOR THE DAMAGES THAT HAVE BEEN DONE TO MENTALLY AND FINANCIALLY Thank you for your cooperation XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX 

My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.
Consumer complaint received 2022-09-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VT)

I qualify for the settlement with Navient ; I attended the XXXX XXXX, my student loan was established in 2007, my payments were late ( in deferment ) for more than seven months multiple times over the past 15 years and I am a Vermont  resident. I've called Navient to receive my settlement and first I was told that I wasn't eligible because I did not default on my loans. The eligibility requirements for the settlement do not say anything about defaulting but that loan payments had to have been late for more than seven months. Then Navient told me that Vermont had not yet executed the settlement.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CO)

On Wednesday the XXXX at approx. XXXXXXXX XXXXXXXX XXXX, my vehicle was broken into my apartment complex 's secure parking garage and my wallet was stolen. My card was used to make a transaction for {$62.00} at XXXX, which was obviously an unauthorized transaction. Chime told me that I would be unable to put in a dispute on the charge until it cleared ( which to me seems crazy in the first place ). Once it cleared, I put in a dispute, and within less than 12 hours Chime came back and said that they believe no error had occurred and they would be denying my dispute. I called support, and got them to re-open the case, and they had me send an email asking to re-open the case. There had been a police report filed, but I did not have access to it at the time. The call agent said that was fine and that I should just send an email now making a request to re-open the dispute case, and provide the further info that my card was stolen and used to make this transaction. I did as instructed and sent the email, as well as texted the detective on my case to ask for a copy of the report. Within less than 4 hours of my call, Chime got back to me and said that my dispute was once again denied despite the new information regarding the break-in.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (GA)

Seeking assistance to help facilitate a resolution with Chase Bank in regard to my recently applied for, approved XXXX XXXX. 

Prior to submitting request for assistance, tried numerous times ( over 10 calls ) with Chase Customer Service ( XXXX ). Was unable to secure the correct level to assist, support and make a decision. 

In short, this card was applied for to add to our CHASE portfolio of products and services because of the promotional offer of XXXX points. 

The promotion was not only screenshot but prior to applying, I contacted CHASE to confirm the promotion and if I was able to apply through the CHASE portal directly. I was not only assured of the current promotion of XXXX but also advised I could continue with the link by logging into our CHASE account. 

To further confirm and validate my due diligence, when the card came, there was no other information about the benefits, promotions, etc. I called immediately upon receipt to confirm of same and once again was told the promotion was XXXX. 

Within the first billing cycle we complied with the terms and conditions. I called to inquire as to when the points would come over and was told that it could take 6-8 weeks or two billing cycles. On that call, I again inquired about what would be sent over and they reviewed via a word track, all of the card benefits and conditions and validated the XXXX bonus points. 

This past week, I was notified by XXXX that we had a " benefit '' from CHASE. Upon logging in, it was a digital flight credit - one time use, up to XXXX points. I inquired and was advised it was from Chase. 

I called CHASE once again and was told that they was the promotional benefit. Despite me endless calls, documentation and confirmation I was advised that was the promotion and I could send in an email if I would like to for review. 

This has caused me a great deal of aggravation and stress. We only applied for this card because of the advertised and confirmed promotion from the service center. 

We have been long time and loyal CHASE customers and I am hoping someone at CHASE can look into this as well as the poor customer service received when I needed them.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I currently have a Marcus by Goldman Sachs credit card. Marcus by Goldman Sachs sent wrong information to all three credit credit bureaus. They sent information to the credit bureau stating that the balance on the card was {$1400.00} and this is false. The statement closing balance on XX/XX/2022 was XXXX dollars and that is what should have been reported to the credit bureaus. The account currently has a XXXX dollar balance but on my credit report it is still showing that I have a balance of {$1400.00} owed on the credit card and this is false. I called Marcus by Goldman Sachs and complained about this issue and was told that it would take 30 days to fix the matter and this is unacceptable. My credit score dropped by XXXX points due to this error and has prevented me from getting a mortgage that I had applied for. 
I called the credit card company and spoke with an agent who realized the error that I was referring to. Marcus is reporting incorrect account balance on my account and they need to fix this immediately.
Consumer complaint received 2021-04-06
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. (NY)

Look I can understand in this life many situations but I can not understand the fact that fraud inquires are in my own credit report. They are Spamming my business activities. With this kind of failures of reporting I do not need to have even enemies! my life situation damaged. Moreover its killing me because I can not do anything. I have never allowed any companies to do these inquires and I do not recognize none. I am not connected to this at all. Its complete fraud. Someone used my personal information or its just error in reporting bt I am begging you to remove them as its important.
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if XXXX approved me for a new credit card why are you reporting an old account, that erc agreed to remove once paid.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (KY)

On XX/XX/2022 I was communicating with a person who I was friends with on XXXX. I knew this person and had previously worked with them. We communicated via XXXX XXXX, and this person even sent me a video chat to verify that I was speaking to the correct person. I was going to purchase a four-wheeler from this individual and they gave me their XXXX information to send a down payment for the product for {$500.00}. After I sent the payment the person never again responded to any of my requests. After a few days there was a response that this person had been scammed and that the person that was making the requests was not in fact the person that I was speaking to. So I was scammed out of {$500.00} and did not receive any product. The XXXX information that was provided to me was XXXX XXXX at email address XXXX sent on XX/XX/XXXX for {$500.00}. I tried to dispute this transaction as not authorized with my bank at U.S. Bank and they have denied my claim as of XX/XX/2022. I feel as though since I was lied to about who exactly I was sending the money to, that this is in fact a scam and should be protected against from others in this situation.
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc. (PA)

I financed the purchase of my home in XX/XX/2022 with a mortgage loan from XXXXXXXX XXXX, which sold the loan to XXXX. Starting with the XX/XX/2022, payment, Mr. Cooper ( aka Nationstar ) acquired the servicing rights. 

I paid the monthly payment of {$3700.00} via XXXX on XX/XX/XXXX and on XX/XX/XXXX, and Mr. Cooper acknowledges receiving both payments. However, when I checked my credit reports with the XXXX national credit bureaus, the payments have not yet been reported. I called Mr. Cooper yesterday and was advised the XXXX payment would be reported at the end of XXXX and the XXXX payment at the end of XXXX. 

The consumer loan XXXX XXXX with the national credit bureaus requires prompt reporting of payments for the system to work. Creditors review credit reports during underwriting, and loan payments reported 2 months after the payment were made frustrate the system. If I'm in default, a lender reviewing my loan needs to see that information promptly -- not XXXX weeks later. And if I'm making timely payments, the creditor needs that information in support of its credit decision. 

The reporting of timely loan payments will boost my credit score, especially with a large mortgage loan, to which the credit scoring models assign a high weight. My credit score took a hit because of the credit inquiries when I applied for the mortgage and because a large loan amount was reported for the first payment in XXXX with the initial servicer ( XXXX XXXX XXXX ). 

It is baffling and frustrating that Mr , Cooper waits around XXXX weeks to report my loan payments. Section 623 of the Fair Credit Reporting Act requires furnishers to report accurate information to the consumer reporting agencies. It is potentially a violation if Mr. Cooper waits XXXX weeks to report my loan payments because stale information is arguably inaccurate in the context of a consumer loan XXXX XXXX that needs recent payment information. My current loan balance is {$530000.00}, but the credit bureaus list it as {$530000.00}. This is inaccurate because it does not reflect the XXXX and XXXX payments. See FCRA section 623.
Consumer complaint received 2022-07-09
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. (IN)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax inquiries : 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 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (FL)

I made a partial loan payment in XXXX. I failed to pay XXXX and XXXX. PNC has accepted late and partial payments in the past. My loan was to mature XX/XX/XXXX. XX/XX/XXXX the day I was going to the bank to make a payment my XXXX XXXX XXXX was repossessed. They sent all communications to an old address. I was XXXX behind and I owed {$740.00} on maturity date. I was charged XXXX because of repossession fees and now cant pay the {$740.00} on the maturity date. I wasnt giving up on my loan, I only owed XXXX. My car sells for XXXX. I dont understand why PNC wound tank my already bad credit with a repossession just to get XXXX. And making it where Im short to pay on the maturity date because they chose to repossess!
Consumer complaint received 2022-07-10
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. (FL)

in accordance with the Fair Credit Reporting act XXXX 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 2022-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I called Navient multiple times between XXXX XXXX XX/XX/2020 to ask for financial relief options during the Covid 19 pandemic as I was unemployed and the emergency forbearance they granted all customers was only valid for 90 days ( XXXX XXXX XX/XX/2020 ). 

After multiple conversations with different representatives, I was repeatedly told the loan type that I have ( FFELP ) did not qualify for the federal pause in payments and I had no other options but to pay on my loans since I didn't qualify for payment deferment and had used all of my allotted forbearance time. 

Because I was fear of defaulting and ruining my credit, I used my personal savings to pay student loans throughout the entirety of the pandemic and only recently learned that I had the option to consolidate my loans into direct loans with the Federal government which would have made them eligible for the pause in payments. 

Despite multiple attempts to get help, at no point did Navient communicate that FFELP loans were eligible to be converted to Direct Loans, and in turn payment/interest pause. I have lost over {$9000.00} as a result of not having this information and extremely upset at Navient 's highly deceptive business practices.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

I sent a letter certified mail to the credit bureaus on XX/XX/2022, telling them to do a investigation on the accounts listed below. Also, I have attached the letter with the tracking numbers for each credit bureau. 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 UCS 1681 everything has to be 100 % accurate. I have the credit reports to show the inaccuracies ACCOUNTS : 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, I have the credit reports to show the inaccuracies
Consumer complaint received 2022-09-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (VA)

I was late with my payments and tried to talk to the representative with Ally Financial bank to see what I could do. They never got back to me, one day my car was just gone and when I tried to ask them if they repossessed it they wouldnt tell me until that following week on Thursday ( my car was gone on a Friday ) they then proceeded to tell me I had until that Tuesday to come grab my belongings out of the vehicle but wouldnt give me and address to come grab nor did they follow the law of giving me seven to ten business days to collect my belongings. I had no court order issued for them to come take my car. I am in the military so they have to follow the SCRA which they did not.