davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (NJ)

I have been attempting to close my SoFi invest account and SoFi cXXXX XXXX account, and terminate my banking relationship with SoFi entirely. I have already withdrawn all my money from the account. On or about XX/XX/XXXX, I first requested to close my account, at which point SoFi said my account is " under investigation '' and " may be closed after the investigation completes ''. 

Due to implementation issues in SoFi 's system, the account has approximately {$0.00} balance, which might be a reason why it can not be closed in a normal way. 

After dragging on for a year, on XX/XX/XXXX, I once again reach out to SoFi and requested to close my account, and expressed my consent for giving up the balance, in exchange for terminating my banking relationship with them entirely ( I do not want any relationship with this company ). The agent still refer to " the investigation '' and refuse to close my account, and does not provide me with any timeline regarding when the account can be closed.
Consumer complaint received 2022-05-27
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. (MI)

Hi I am submitting this XXXX XXXX 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 2022-04-23
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. (KY)

XX/XX/XXXX I contacted XXXX in regards to inquires that I did not give consent to or have knowledge of until reviewing my consumer report on file with XXXX. Inquiries displayed on my report are as follows ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous
Consumer complaint received 2022-02-17
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)

Sending several times of multiple letters, 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 FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-09-08
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. (TX)

This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely 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 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC (FL)

We purchased replacement windows from XXXX ( XXXX, FL ) using their recommended funding source ( GreenSky , LLC ). Our understanding was that we had a line of credit with GreenSky that would enable us to pay 50 percent of payment upfront and 50 percent after window installation. There was no problem with the initial 50 percent payment, but the window delivery/installation was delayed through no fault of our own.

When if came for us to pay the remaining 50 percent balance, GreenSky claimed that our original agreement had expired after 60 days. They made us reapply for a loan which they then denied due to a change in our credit rating. We were forced to refinance our loan with a credit union at unfavorable terms.

GreenSky failed to warn us when our loan was about to expire. Even if they had warned us, GreenSky would have refused to pay the remaining balance because the work was not complete. 

What GreenSky is doing amounts to " bait and switch '' fraud. They offer loans for home renovation tasks which they know upfront will take more than 60 days. Then, they force the consumer to refinance the loan at higher rates or they may even deny the loan. 

If XXXX and GreenSky had been transparent with us on the nature of their joint financing, we would have declined to have the work done. 

This has been a nightmare for us as XXXXGreenSky were less than helpful in resolving this issue. GreenSky initially denied refinancing, then said that they would honor our original loan terms, and then they again denied us refinancing.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I received several emails from Well Fargo regarding opening a checking account online. The last email I received was confirming I updated my contact info. On XXXX I visited a Wells Fargo branch here in XXXX to inquire if an account was opened in my name and if so how to close it and report it as identity theft. After confirming an account was opened in my name Wells Fargo locked the account and informed me it would be closed by XX/XX/2022.
Consumer complaint received 2023-03-15
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-02-17
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. (CA)

Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX EQUIFAX - XXXX on XX/XX/XXXX XXXX - XXXXXXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX  - XXXX  XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (IN)

I became ill in XX/XX/2021, I was unable to work. I contacted the bank and explained to them my situation and they seemed to help by removing over draft fees during this bad situation. I was very greatful. Unfortunately the pay checks from working got smaller and then none, even the ones from my works XXXX program stopped. The bank told me they were no longer helping with people affected by job loss or lost hours. I tried and tried to stop payments from overreacting my account by having the bank block accounts, stop payments, and asked to reverse payments so my account would not get over drafted or worse than what it was cause I told the bank I was not working. They had me dispute a payment in XX/XX/2021 that made my account over {$500.00} negative and they said finally after all my efforts to stop payments being made the bank honored the payment anyway. After starting the dispute they told me as soon as the decision was made on the dispute they would send me something in the mail. After a month I never received anything and called to check every week and they stated still in investigation. I finally got ahold of a supervisor and they said they denied it over a week prior and at that point since I did not make any payment to pay back the negative balance after being instructed not to try anything with the account and switch all the companies doing autopayment and stop them cause once the dispute is complete the account would have the negaitive amount I disputed put back to the account. Never once said anything about being denied just said to investigate the transaction cause the amount was large on my behalf. I was still not working from XXXX to XXXX. Went over a month with no income or XXXX from the hospital I work for. I was hoping to be released to go back to work so they bank agreed to push back my account from being closed and into check systems. I was not able to go back to work later than I expected and unfortunately only for a short time and was ill again and back to being off work. I have been fighting to get caught back up after the XXXX eviction threats, utilities behind, and no income and XXXX little girls to take care of. They shut my account before the date they gave me and refused to help stop this during a pandemic. I filed a complaint with the XXXX a woman got ahold of me and told me to ask to get ahold of them to ask for a payment plan. I have never heard nor got the paperwork sent to me about a payment plan. NOW without notice and no warning only after a little over a month, sold my account to a collection agency before letting pay. I am still off of work trying to get my health ok to return.
Consumer complaint received 2022-09-13
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.
Consumer complaint received 2022-02-17
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)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-30
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-08-05
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)

Equifax didnt exercise their role /responsibilities. 

Did not respect my privacy. 

Never had permissible consent. 
Unfair 1681 a. # 3 # 4 b. # 2
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase bank XXXX XXXX card : BUSINESS CARD ( ... XXXX ) in name of XXXX XXXX Activity ended XX/XX/XXXX and card was unused for a year. IN FACT, I DON'T EVEN HAVE THE FULL CREDIT CARD NUMBER OR KNOW WHERE TO FIND IT. 

On XX/XX/XXXX, charges were attempted. These were reported as Fraud. The card was no longer active at all and all following activity should be XXXX. However, Chase has added illegitimate payments and {$40.00} fees every month since I reported fraud. 

I called in XX/XX/XXXX to report the fraud that began XX/XX/XXXX. The customer service rep acknowledged the fraud, but filed my report without completion, and lied that it was complete. Actually they only took responsibility for some of the charges and fees, and began adding new illegitimate fees on top every month after. 

This forced me to call back on XX/XX/XXXX. The second call was refused by the XXXX department, telling me that a fraud charge made on XX/XX/XXXX was not fraud, even though I had already reported it in XXXX. 

This charge is post-dated after the fraud charge from XX/XX/XXXX and can not be mine. 

Chase bank is violating my consumer rights by : ( 1 ) Adding illegitimate late fees ( 2 ) Failing to complete the first fraud report in XX/XX/XXXX, and lied that it was complete. 
( 3 ) Refusing to fix their mistake when I reported the same problem on XX/XX/XXXX. 

I demand that Chase stop adding illegitimate fees on my now closed account after I've reported the same fraud twice.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (VA)

I have called and spoke with the creditor on more occasion advising them that this is a fraudulent account. I have asked them to please remove from my credit report. I have also filed a report with the FTC and had to send a motorized letter to them with a copy of FTC report. XXXX XXXX has still refused to remove this account from my name and record.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Today, XX/XX/2019, I received an email alert from " XXXX XXXX '' informing that my credit score had dropped. I checked my credit report and it showed up a " delinquent account '' on my credit card ending on XXXX, from Barclays, for the amount of {$99.00}. 
I don't use this credit card for almost a year, but then I checked to see what had happened, an then it showed an amount owned due to an annual fee. Fee has already been paid, then I called Barclays to see if they could confirm the payment and remove this information from credit report. 
They refused to help and informed me that my only alternative was to contact the credit bureaus and open a dispute. 
I've had this credit card a while but havent been using it. Never received a letter or a single phone call from them, informing of any past due annual fee. There was no annual fee before, I just realized that they were allowed to charge this fee after a certain period of time, but that was not clear to me before and like I said, I did not receive not even one phone call or message from them informing about a past due fee. the payment was provided, I just want them to remove the incorrect information from my credit report. Main issues that I see : 1. Information about the fee was not clearly disclosed to me ( if there was a fee, when they exactly would start charging it ) since there was no annual fee before 2. Never received a letter/email/phone call about the fee. 3. Not one single notice via email/phone call or written letter about a past due fee before they would just send my information to the credit bureaus
Consumer complaint received 2022-08-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PDQ Check Exchange LC (UT)

Money 4 you in XXXX, UT has already received a judgment for the debt. They keep submitting it to the court and they nor XXXX court told me my court date and the judge signed a XXXX XXXX XXXX XXXX XXXXt! I paid bail and showed up on the day and time of the court and they didnt tell me it was over XXXX. It made me late for the court cuz I was trying to download the app and log in to the app but it had already passed. So there is another XXXX  being issued when it wasnt my fault at all. Today Money 4 you has been texting me ( after I told them not to contact me anymore ) and they said if I make a payment they will get the XXXX  recalled and IT WONT GO BACK IN EFFECT UNLESS I MISS A PAYMENT!
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have an account with chase bank. I transfer money online from my credit union ( XXXX XXXX XXXX ) and its an established transfer that Ive made in the past numerous times. And as of a couple months ago chase bank started to put holds on my transfers which goes against REG E since it is an online transfer. The money comes from my credit union as an ACH transfer and after its already sent from my credit union chase bank then puts a hold on it usually for three-five business days. They tell me that XXXX will be faster but I dont think using an outside transfer if service will help every time I call they dont give me clarity on why the items are on hold
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

XXXX bill is a very old bill from 2012, I do not see how it is still open. It is past the statue of limitations? 


They illegitimately reappear on your credit report if it's acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning it's too old to remain on your credit report.