davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-29
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. (FL)

I 've been educated about changes regarding public records reporting that took effect XXXX 2017. I called Equifax about these changes and to get additional information from the company directly. They advised " it was a false rumor '' and that it had no truth to it. I advised them that it was true because XXXX had just removed it a few days for that specific reason.
The change dictated that if a reported tax lien did not XXXX major pieces ( 1-name, 2-address and 3-date of birth and/or social security number ) along with regular 90 day updates that it would be removed. I received a copy of the official lien notice reported by the Clerk of Circuit Court, XXXX County, XXXX, Florida. It did not satisfy the minimum requirements currently in place, but Equifax agents insisted I could not dispute it nor were they required to comply with these changes. I 'd like for the CFPB to confirm if this public records change is valid, and if so to contact equifax about this matter.
I also collected a fax number from the equifax agent and sent a written letter with a copy of my SSN/DL and the lien notice supporting my claim.
IN ADDITION to advising me the change was a lie, Equifax has locked me out of viewing my credit report. I reported the issue Friday XX/XX/17 and was advise it was a 'known issue ' and being handled by their technical department, and to call back in an hour.
I called back on XX/XX/XXXX - was on hold for 61 minutes with no answer from an agent I called back onXX/XX/XXXX - was on hold for 90 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 95 minutes with no answer from an agent I called back on XX/XX/XXXX - was on hold for 110 minutes with no answer from an agent I called back on XX/XX/XXXX requesting to cancel service thru the automated system and an agent answered in 3 minutes. That agent referred me to another number. The second agent spoke had me for 49 minutes ( 36 minutes of that on hold ). Then that agent sent me to another agent ( " supervisor in the speciality department '' ). This agent extended the call another 65 minutes. All agents stated " we ca n't unlock your report '' and " we ca n't update your credit report '', but none of them can explain why or when it will be resolved. They did all say I could continue to call back for updates, and they would not notify me when the " issue '' was corrected.
They offered me a reduced rate of {$9.00} for 12 months but i declined because paying 50 % for nothing does not make anything a good deal.
Can someone please help me with this? They are not listening and not addressing my credit report issues.
**To CFPB, please do not publish my attachment ''
Consumer complaint received 2018-01-08
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. (CA)

requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

On XXXX of XXXX, I called to get my monthly payments lowered. No help waited on hold for 45 minutes to be told to go online and try to select an option. She stated on her end that she could n't lower it if I did n't apply for IBR. So I did what I was told. Never heard anything back so now its XXXX XXXX and I get an automated call telling me I was denied. I need to start paying XXXX by XXXX XXXX, XXXX I ca n't afford that. So I called again this time waited on hold for 1 hour. Explain my situation and everything. She basically told me there was noting she can do I need to pay by the due date and hung up in my face. So unprofessional and rude.
Consumer complaint received 2021-10-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Activehours (CA)

Earnin express lets you receive your paycheck two days early. I was supposed to be paid on XX/XX/XXXX and as of now XX/XX/XXXX I have not been paid and they can not give me a reason or havent offered a solution.
Consumer complaint received 2017-07-29
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. (TX)

These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXXE XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.
Consumer complaint received 2018-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

ERC is reporting a XXXX collection to XXXX, XXXX and XXXX - all stating I opened an account in XXXX XXXX. They continue to report derogatory conditions as recently as XXXX XXXX. Almost 24 months of derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX or ERC about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Experian. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NY)

I have tried numerous time disputing hard inquiries with Experian. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Experian with no response. Some were Return To Sender. Experian refuses to delete them from my file.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

So Im told because XXXX did not receive my " recertification '' letter weeks after they told me to submit it, I 'm being penalized and my payment went up from {$150.00} to {$950.00}. I have paid XXXX a total of {$10000.00} since inception and my balance has not moved but instead went up to {$68000.00}. These people are loan sharks. As a veteran of the United States XXXX I 'm appalled and disillusioned at how this nation handles student loans. Im 43 days and in risk of being reported to the bureaus. I have sent them a check via registered mail this past week for {$160.00}. I plan to make the rest soon but Im afraid that they will report me making my situation worse than it is. I have worked for XXXX XXXX XXXX until recently but can not any longer especially after just finding out the program might phase out. XXXX is very unforgiving and preys upon the military. I want to ask you for help before I seek legal assistance. We are given five days to submit recertification documents which will never get processed on time due to staff shortages. So in essence people will default and the excuse will be " we never received your recertification letter on time. '' Im urging YOU to please help, this can be your son or daughter in the same predicament. XXXX is thriving hoping that students will keep their mouth shut and continue making payments. I will take this as far as I can to my legislators and senators and bring proof to them in form of payment receipts that what they 're doing is illegal.
Consumer complaint received 2022-10-04
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. (FL)

My account has been sold to a different bank XXXX XXXX XXXX XXXX XXXX  has sold it to XXXX Ive called multiple times XXXX XXXX with no respond spoke to multiple agent they everybodys giving me a different answer if I need to speak to a customer service supervisor and theyre telling me I have to wait 24 to 48 hours and I cant get no help theyre reporting on my credit my accounts have a balance and they showed no balance from their side Ive spoken to Equifax theyve said they sent a dispute over trying to buy a house and I cant because theyre reporting the wrong account one of them is open one of them is close one of them has a {$1100.00} the other one has {$640.00} with past due payments over 120 days which is not correct Need help as soon as possible
Consumer complaint received 2017-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC. (PA)

In XX/XX/XXXX I bought a XXXX XXXX through Suntrust Bank. In XX/XX/XXXX my account fell behind. I lost my job and I was unemployed for an extended period of time. The car was repossessed in XX/XX/XXXX. This is still being reported on my credit report. On XX/XX/XXXX I filed a dispute with XXXX. They immediately re-reported the debt even though the timeframe is over 7 years. This debt should n't be being reported since the time frame is past the legally allowed timeframe.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

Chase has once again reordered my deposits, debits and credits in order to issue me a XXXX overdraft fee for being XXXX overdrawn in my account when a XXXX automatic subscription debit went through. I have previously complained about this and was given refunds for some of those fees. I have since had the issue repeated twice with Chase and I have called and had it removed in the past. After my previous complaint, Chase revamped their app to prevent people being able to screenshot their bank accounts from their phone but I am still able to do this on my computer. Every Friday morning I take a screen shot after my check has been direct deposited and then again later that day to compare how they order my account in order to make money off of me. This time I feel I need to AGAIN file a complaint with the CFPB because Chase does not seem to understand that what they do is wrong and I keep a very watchful eye on them after the hundreds they have cost me in the same situations. Attached you will find screen shots with the date and time in the lower right hand corner to show when they were captured and show a reordering of debits and credits. Chase does n't not generally issue overdraft fees on balances of XXXX or less, I feel this really walks the line to issue me a XXXX overdraft fee on a XXXX charge that left me only XXXX in the red on payday. I want it refunded and my solution in the future is to obviously close my account with Chase and move to a different bank as my best interests as a customer are not in Chase 's interest at all.
Consumer complaint received 2022-12-16
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (CO)

I opened a new checking account on XX/XX/XXXX under a {$200.00} promotional offer using the following link, https : //commercebank.com/XXXX, and used offer code " XXXX ''. I deposited {$100.00} into the account which posted on XX/XX/XXXX and then maintained a greater-than- {$100.00} balance in the account the entire time I 've held it ( transaction history attached ). Per the terms of the offer ( attached ), I should have received the {$200.00} promotional incentive after 90 days. Today, XX/XX/XXXX, marks 139 days since I opened the account and I have not received the promotion. I have contacted Commerce Bank through their Secure Message portal twice ( documents attached ) regarding this promotion ; first on XX/XX/XXXX being told that I should receive the {$200.00} in mid-XX/XX/XXXX and the second time on XX/XX/XXXX was told I would have received the bonus 90 days after account opening if the requirements were met. I called their Customer Service number, XXXX, on XX/XX/XXXX and was told I needed to maintain a balance of {$5000.00} in the account to earn the promotion, which is not consistent with the terms. After requesting to speak with a supervisor, the agent was unable to locate one and believed all had left for the holiday weekend. The representative then transferred me to their nearest branch to me so I could speak with the local bank manager, however, he had gone home for the weekend as well. I spoke with a local banker who submitted a form on my behalf to look into the issue. After following up on XX/XX/XXXX,  I finally received a call back today, XX/XX/XXXX, and was told that because I did n't deposit {$100.00} at account opening, I was n't eligible. This is not clear from the terms, which states, " Minimum balance requirement of {$100.00} in CommerceRelationship Checking to receive the {$200.00} bonus. '' With the posting of my opening deposit of {$100.00}, I have maintained a minimum balance of > {$100.00} for the entire time the account has been opened in accordance with the terms.
Consumer complaint received 2018-01-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC (VA)

The company uses an automated dialer so most of the time when I answer the call I get nothing but disconnected. They do not leave a message when they call. When I finally connect with someone they are asking for someone I do not know and I tell them that but they keep asking questions about how to reach the person, and are very persistent, annoying and harrassing. 

Also, outlaw auto dialers. ALL persons and companies using autodialers are harrassing people
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

During XX/XX/XXXX, Chase bank closed all of my accounts ( My Chase Freedom Credit Card Account, Chase Sapphire Credit Card Account, Chase XXXX Account ). This happened due to the combination of credit I had outstanding and the amount of cards I applied to in a short period of time ( multiple inquiries ). Add a failed check payment ( that was being sent to Chase Bank to cover a due credit payment ) due to a local bank processing error and this became the third strike according to Chase in closing all of my accounts. I 've tried applying back to Chase on several occasions from XX/XX/XXXX-XX/XX/XXXX with good credit ( XXXX credit score currently ), 100 % payment history with no delinquencies and I have been able to obtain credit cards with every bank I have applied for except for Chase. It appears that they currently have me on some type of Blacklist and they have been unable to provide me with information during my last 3 calls ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to speak with their customer service line. I am told to re-apply each time I ask to speak with someone from the reconsideration line to inquire how I might be able to establish a relationship once again with them via credit lines for both myself personally and my businesses ( XXXX XXXX XXXX & XXXX XXXX XXXX ). I currently hold 1 personal checking account and 1 personal savings account with Chase Bank for over 6 months along with 1 business bank checking account as well. I has been very frustrating since I have been accepted with XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX all within the past few years and Chase will still not accept me or provide a detailed reason outside of previous unsatisfactory relationship with bank in the past. Although I may have made an error on my part in the past, this event had occurred over 4 years ago and I have not made the same mistake and pride myself on having an established, responsible credit history. This entire process has been incredibly frustrating and I have been unable to speak with the proper representative from Chase regarding reconsideration.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MN)

I have on my credit report that this account is negatively impacting me. I paid this off in full with the debt collection agency they used to follow me years back already. I need them to remove this off of my report because it was paid in full already.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

www.coinbase.com I put my cryptocurrency ( ETH + LTC ) in their vault back in mid-XX/XX/XXXX. To be able to transfer them back from the vaults to my wallets I need to approve the transaction with two email-adresses. I am not able to approve with my secondary email, hence my coins have been locked up in the ETH/LTC vaults since I sent the first request to customer service on the XX/XX/XXXX. 44 days today without having resolved the issue. 

They say they have forwarded my case to an expert, but nothing is happening.
Consumer complaint received 2018-01-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (FL)

Consumer reached out to students loan providers to remove inaccurate lates, duplicates and loan provider has not removed inaccurate information off report. Im requesting that these accounts be deleted ASAP as I no longer have these accounts and it was communicated that they would be deleted
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank Delaware continues to report an account to XXXX and XXXX   the account was the result of bankruptcy filing due to Id theft several years ago the account was previously removed from all credit files and has been readers to XXXX and XXXX without and notice to me
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX is reporting on my credit reports a collections account that is not mine I never opened credit cards with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX