davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

Account Name : XXXX XXXX Account No. XXXX Balance : {$1400.00} - The date open did not change. I have disputed this on XX/XX/XXXX with the credit bureaus or credit reporting agencies but up to this day, they are still reporting the date open inconsistently. 



Account Name : XXXX XXXXXXXX XXXX Account No. XXXX Balance : {$990.00} - The credit bureaus are still reporting this account inconsistently. The only credit bureau that has provided information for the date of last payment is XXXX and it's on XX/XX/XXXX. I see that the other two national credit bureaus have not provided this information on my credit report. There is no possible way that they verified this account as they have falsely claimed as per the FCRA. 



Account Name : XXXX XXXX Account No. XXXX Balance : {$1200.00} The account status is still the same. XXXX is still reporting this account as " Open '' while the other two bureaus are reporting this as " Closed ''. I'm on my fifth letter with the credit bureaus and they still couldn't get this right. Is this account verified through different furnishers? 


This is a formal complaint against XXXX, Equifax, and XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors.
Consumer complaint received 2020-01-23
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: Experian Information Solutions Inc. (FL)

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AZ)

Timeline : XX/XX/2022 : I opened a Discover Secured Credit Card with a {$200.00} deposit XX/XX/XXXX : Was told I did not meet tax requirements, and card would not be activated, and money would be returned. XX/XX/2022 : I called customer service, and was told that the reimbursement would take up to 60 days, and to call back then. I asked them to let me know when the time was near, as I would be changing addresses. End of XXXX : I had not heard from Discover, so I reached out ( knowing the date was approaching ). They then told me that a reimbursement check was sent to my former address. I asked them to cancel this check and send to my new address ( which I gave ), and was told shipment would take 10-14 business days. XXXX ( 2 weeks later ) : Without receiving check, I called again to customer service, who told me that the check was AGAIN sent to wrong address, as they did not update properly as promised in previous call. I then gave them my new address and received an email stating that the address was updated in system. Customer rep said that this check would be expedited, but to wait at least 7-10 business days. End of XXXX ( 2 wks later ) : Check didnt arrive. I called customer service, and they had no answers re : check, but said I was eligible to an ACH transfer, but that it would take 7-10 business days. I agreed to cancel the check and move forward. XXXX ( 12 days later ) : Neither the ACH deposit received or cancelled check ( that was promised to be in mail 3 weeks ago ) have not arrived. Called customer service, who escalated to a supervisor and said that they would escalate and expedite request, but to wait 7-10 business days. I was also promised for a call back for an update ( which I never received ). Today ( XX/XX/XXXX : 7 days later ) : Called Discover Card Customer Service, who assured me that ACH attempts have been made on two occasions. I then brought my bank on the line XXXX XXXXXXXX XXXX ) to discuss directly, and no transactions have been attempted. Meanwhile, the check ( now calncelled ) that was meant to be sent out a month ago has still not arrived. ( XX/XX/XXXX ) Customer service is now saying that I wont be receiving an ACH xfer, but a check instead, and that I need to wait for it to arrive, despite the previous promised checks never arriving. I am now waiting for another call back, and have been told that my case in under investigation, and that there is no promised timeline for an outcome. At this point, I dont trust that Discover is doing anything to rectify the situation, and may have to consider filing for loss/damages, as I have spent hours upon hours trying recover my money. As a payment-processing company whose job it is to oversee transactions, I find it extremely inappropriate ( and possibly fraudulent ) that they need over 5 months to return a deposit that they should not have qualified me for in the first place.
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revco Management, LLC (NJ)

As of XXXX I was illegally kick out of m apartment me and my XXXX children. I didn't think to call pseng to let them know I was moving, because of what happened. I was trying to get back into the place within the same month which was XX/XX/XXXX or XXXX not sure. Wasn't expecting to be in that situation. I went on vacation and this took place with my landlord. To now as of XXXX I'm back into my new place now I hot a letter in the mail stating I owe money for a bill where I was t staying. Once they kick me out of the apartment I never switch anything out my name until I was able to find shelter for me and my kids so I have done that so now I looking to see if I can be excused of this out standing amount I'm on a fix income and I don't believe I should pay for this cuz the landlord move someone into that apartment once they illegally put me out without my consent at the time so I'm lost and I need help on what to do now. I was fighting to get back in that old place once they done that to me and my kids I took the illegally put out to, legal aid in XXXX NJ so they knows bout the Lock out they had done. Just giving example on why the bill is high and to cover my self my behalf that I wasn't at this address in XXXX in XXXX of that month so if someone can reach me my number is XXXX thank you
Consumer complaint received 2022-09-24
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: HYUNDAI CAPITAL AMERICA (CA)

Paid off the loan to Hyundai Motor Finance on XX/XX/2022. Multiple lengthy phone calls to them and still have not received title. Online shows title requested and should be received within XXXX business days and that was months ago with no progress.
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing this XXXX  auto loan account for years now. I previously demanded that the CRA delete the late payments from my account. But the CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I am once again demanding you delete the late payment from the above account.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I contacted the bank via phone between XXXX and XXXX to determine if a payment I'd made on XX/XX/XXXX while logged into my online account had been posted yet, or was about to be posted. I spoke to a rep named XXXX XXXX, who said he was in Maine. He said he had to authenticate my account before he could help me. He asked me for the 3 digit code on the back of my card, which I provided. He asked me if he could send a code to my email account but I told him my computer was not turned on yet. He then said he'd have to try to authenticate my account another way. He asked me when was the account opened. I told him I didn't remember but the account currently had a 0 % interest promotion that expired in XX/XX/XXXX, and I remembered that I opened the account about 15 months prior to that. He said he didn't have a XXXX calendar, and asked if I have one so I could provide him with the month/year I opened the account. I told him no, I didn't have a calendar and don't remember the month/year I opened the account. He then asked for my drivers license number, which I gave him, but he said even with that info, he still couldn't authenticate my account. I asked him why couldn't he just ask me for my password, or ask me info that's in the public domain, and he said no, it's not done that way. He also said that since he couldn't authenticate me, I'd have to call back to start over. I asked to speak to a supervisor, and he said someone would have to call me back. It's now XXXX and no one has returned my call.
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United Group Inc. (NV)

United Finance sued my brother in law and I for the remaining balance on loan and won. My brother in XXXX XXXX XXXX had his wages garnished and the monies were paid in full. XXXXXXXX XXXX stopped garnishing wages because it was paid in full. United finance has been asked to change terms of loan on credit but are stating they havent received payment. They have not contacted anyone to follow up with where there payments are and we have completed our due dilligence on payment. Please ask United finance to contact XXXX and find out why they havent gotten payments or where they were sent to. I want this off my credit report asap!! It has been paid. I have no way of contacting XXXX since it is not my employer. Thanks
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

Went into forbearance for the past two months And also made a payment. Navient then posted me 90 days past due on my credit report after telling me that my account was current and they couldnt do anything to fix the ninety days past due which I had in deferment! The rep I talked to was not truthful and that Navient could do nothing about the situation!
Consumer complaint received 2020-01-23
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. (MA)

There is a total of 12 perkins student loans on my credit report, 6 of the student loans being reported as DEPT OF ED/XXXX with a partial account number of XXXX were transferred and closed, and the other 6 that are being reported as DEPT OF ED/XXXX/XXXX are the same as the first 6 student loans, they were just renamed and paid in full. These student loans are Perkins student loans and they have a zero balance, in the year 1965 a law called The Higher Education Act was put in to action to help low income students. This federal law called the higher education act, allows me as a borrower of money from the department of education to get all of these student loans deleted from my credit report once they were paid in full. These are not private loans, these are federal loans, and since these loans are Perkins student loans, by this federal law, all of these must be deleted from my credit report. I want all of 3 of the major credit bureaus, ( XXXX ), EQUIFAX ), ( XXXX ), to delete all of these 12 student loans and obey the Higher Education Act Law.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX XXXX XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I called Wells fargo right away, they said they gave me 3 referance code, but they closed the case in 3 or 4 days. They told me that It's like I gave them cash, so I can't get my money back.
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (MO)

I XXXX XXXX is Reaching out to the Consumer Financial Protection Bureau on XX/XX/2022 to Raise a formal complaint against Equifax Reporting Agency. Equifax is reporting false and misrepresentation information on my Credit report I have reached out and disputed these accounts that are reporting false and misleading information to my report this is a direct violation of regulation F XXXX. The three accounts are as follow * XXXX -Violating code 15 u.s.c 1692f and Violating code 15 u.s.c 1692d Harassing and sending old bills out on a closed and charged off account thats been closed this account in now involved in litigation document will be attached. 

* XXXX XXXX Violating code 15 u.s.c 1692f and Violating section 807.this account is also involved in litigation document will be attached. 

* XXXX XXXX XXXX Violating Code 15 u.s.c 1692E this account is committing fraudulent activity on this account I have a XXXX  account only on and it is in accurate and active there is no way that I can have to XXXX accounts this company has been reporting fraud and this account will also be involved in litigation. 

I am requesting that these account be removed from my credit report immediately for the violating codes or this reporting agency will be involved in litigation and I will be forced to testify as a victim of Equifax reporting wrongful credit score to creditors.
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (SC)

The alleged debt is being reported by XXXX and XXXX claiming that I owe a balance of {$440.00}. The balance was policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So the insurance company owes me money in which I stated to them. I am requesting a full description of the procedure of reinvestigation once complete. I demand that this negative mark be removed from my credit report immediately.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-02-02
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2022-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (HI)

I called EdFinancials customer service line on XX/XX/XXXX to ask for a refund to be processed of the payments ive made since XX/XX/XXXX. They had told me they submitted the request, but I did not get any form of verification or notification that the request had been made. I spoke with others who have dealt with EdFinancial, particularly with refund requests, and they explained that its taken them several weeks to months to get the refund while other Student Loan Companies are returning the refunds within two weeks. They suggested I inquire with the CFPB to ensure the refund request has been submitted. 

The amount requested to be refunded was ~ {$540.00}
Consumer complaint received 2021-11-26
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)

XXXX and Equifax are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both XXXX and Equifax of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both XXXX and Equifax will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.
Consumer complaint received 2022-09-24
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: JPMORGAN CHASE & CO. (GA)

Amazon/Chase Credit Card : When items are returned to XXXX, the box for " credit amount to original payment method '' is checked every time. The original payment method is with the Amazon credit card- Chase. Instead, XXXX  places the amount in an XXXX  gift card - without any notice or authorization. The only way to redeem the " gift card '' is by entering a claim code or to buy additional merchandise and use the amount in the " gift card ''. XXXX  does not give a claim code.

I still have to pay the balance of the purchases to Chase even though I have returned the merchandise. 
When asked, Customer Service at XXXX  has gone back through purchases and figured out some of the purchases that apply to the " gift card '' and credited that amount towards the credit card balance. However, they haven't been able to get all of them. Irrespective of my requests, this issue with the " gift card '' has happened repetitively, and thus my complaint to you.