davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (GA)

Please provide me with your statement of the amount owing as of XX/XX/2022, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I would like to make arrangements to settle the above referenced matter.
Consumer complaint received 2022-05-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

on XX/XX/22 a letter was sent to XXXX certified mail signature required. Today XX/XX/22 has been well over 30 days has not delete the inaccurate information on my consumer report. They are in many violations regarding my consumer rights I would love full remedy under 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION. I would also like them to be liable under civil law. these inaccurate reporting have damaged my livelihood. 

I have also sent in letters to Equifax for inaccuracies and they have failed to remedy my demand to delete inaccurate information because I have reasonable doubt that its incorrect inaccurate they have been furnishing inaccurate information on my consumer report
Consumer complaint received 2022-08-15
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00}
Consumer complaint received 2022-05-02
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: GOLDMAN SACHS BANK USA (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-31
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. (NJ)

1 - XXXXXXXX XXXX XXXX XXXX - Fraudulent Information following a dark web exposure 2- XXXX  XXXX multiple times 3 - XXXX XXXX  - multiple times 4 - XXXX XXXX multiple times
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Hello I am currently a customer with Chase and I have been using their XXXX Quick Pay services since last year XXXX. I have been sending money to an individual ( Mrs. XXXX ) monthly since XX/XX/XXXX and all of my transactions have been successfully completed until XX/XX/XXXX when Mr. XXXX asked me if I had sent the money ( {$400.00} ) I had the confirmation numbers and screenshots of the payments that I sent but Mr. XXXX had not received the money. I called Chase and they asked for me to open up a claim so they could investigate what happened. After a couple weeks I called back to follow up and Chase stated that there was no error on their part since the person registered with that phone number was an individual with a completely different name Mr. XXXX and I stated to them that the person that was registered with that phone number was Mr. XXXX and not Mr. XXXX so I asked how is it possible for XXXX to allow two individuals to register with the same phone number that should not have been allowed by XXXX that should of raised red flags on XXXX  system but it did not so my money was sent to Mr. XXXX instead of Mr. XXXX the real owner of the phone number that I had used for the past year. I have sent Mr. XXXX payments for the months of XXXX, XXXX, XXXX and XXXX and he has received all of those payments successfully but the payments for XXXX where deposited into Mr. XXXX account who we believe was being fraudulent. I have called Chase and XXXX and no one is willing to help me. I have proof that I entered the correct information on all of my transactions Chase claims since I authorized the payment their is nothing they can do to help me, but I do not see how that is my issue that XXXX lets multiple people register with the same phone number I have no control over that I sent the payment like I always do and XXXX failed to flag that second account that was opened and allowed my information and money to be sent to an individual that I do not know. Chase and XXXX have failed to help me with this matter and I have no where else to turn too. Chase had credited back my account the {$400.00} initially while they did the investigation but came back and reversed it since they said it was " customer error '' and I went to their branch and showed them that I had correctly imputed the phone number that I did not see how I was to blame for it and my issue was not resolved. Chase and XXXX have dropped the ball when it comes to the security of customers accounts. XXXX should not allow multiple people to register with the same number because they are compromising established customer information. Please Help.
Consumer complaint received 2021-07-21
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. (WI)

I have been disputing inaccurate information on my credit report with XXXX, XXXX  and Equifax and on several separate occasions they take longer then the 30 days to process the disputes and have all told me if the creditor says its valid they will not remove the information even though the creditors can not and refuse to provide documents to myself or any of the credit bureaus validating the debts. 

Ive requested debt validation paperwork and written information to be provided to me in regards to their reasoning for denying my dispute and they refuse to send me information.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (VA)

XX/XX/2022 XXXX XXXX, I received a message from Goldman Sachs for the Apple card stating I was denied due to them being unable to verify my identity. After talking to a customer service representative they still couldn't help me with verifying My identity. After trying countless of times. This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The XXXX XXXX added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling.
Consumer complaint received 2022-10-31
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (MI)

AFFIRM INC REPORTED 4 LATE PAYMENTS WHILE I WAS XXXX  AND XXXX XXXX XXXX XXXX XXXX, MY RECOVERY TOOK XXXX WEEKS AND I WAS NOT CALLED NOR GIVEN THE OPPORTUNITY TO BRING THE ACCOUNT CURRENT. DUE TO MY HOSPITALIATION I WAS UNABLE TO COMMUNICATE. 

AFFIRM ACCOUNT # XXXX DATE REPORTED : XX/XX/2022 AFFIRM ACCOUNT # XXXX DATE REPORTED XX/XX/2022 AFFIRM ACCOUNT # XXXX  DATE REPORTED XX/XX/2022 AFFIRM ACCOUNT # XXXX DATE REPORTED XX/XX/2022 I WAS ALSO NOT INFORMED THAT THESE ACCOUNTS WAS EVERY REPORTED TO THE CREDIT BUREAU PRIOR TO ANY LATE REPORTING, THERE WAS NEVER ANY INTENT FOR THIS COMPANY TO EVER REPORT ANY OF MY PRIOR ACCOUNTS TO THE CREDIT BUREAU. I HAVE HAD 5 OR MORE OTHER ACCOUNTS THAT WERE OPEN AND PAID BUT NEVER REPORTED.
Consumer complaint received 2022-05-02
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. (NJ)

A collection account from XXXX XXXX XXXX is continually being reported on my credit report. Under section 15 USC 1681b it is illegal for the company to report any of my personal information to any agency without permissible purpose. 
I have never had any agreement with XXXX XXXX XXXX and do not owe them any debt. 

I have brought this up up with the credit bureaus numerous times and it seems my disputes are being disregarded so I am coming to you for assistance in this matter.

I am requesting that the bureaus be instructed to cease in posting information to my credit report obtained by illegal means.
Consumer complaint received 2022-05-02
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: I.C. System, Inc. (FL)

In accordance with fair credit reporting act XXXX  account # XXXX XXXXt # - I C system # Has violated my right. 
15 u.s.c 1681 section 602 A. States I have right to privacy.

15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Consumer complaint received 2022-10-31
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: JPMORGAN CHASE & CO. (MI)

Someone has used my personal information to obtain credit causing an inquiry to be reported on XX/XX/2022 by XXXX XXXX. 

JPMCB REPORTED ON XXXX XXXX 2022. 

XXXX XXXX REPORTED ON XXXX XXXX 2022 AND XXXX XXXX 2022. 

XXXX XXXX XXXX REPORTED ON XXXX XXXX 2022.
Consumer complaint received 2022-05-02
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. (SC)

In accordance with the fait credit reporting act XXXX  account number 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 2022-10-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (MO)

This law firm is the most aggressive there is. Even after hiring a paralegal to handle this case, the firm still wouldn't negotiate and continues to threaten a lawsuit against us for a debt created over 5 years ago. They required payments immediately or we're trying to sue and garnish wages. We ended up paying over $ XXXX a month to get them to stop hurting our names and trying to take us to court over this. They are the worst company we've ever heard of. XXXX flexibility or negotiation here.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Electronic check was deposited on XX/XX/XXXX for the amount of {$4200.00}. It was processed and cleared from the account holder who endorsed the check within 2 days. 
On Friday XX/XX/XXXX I received an email from chase saying my account would be closed. I wasnt sure if this was in error as I didnt see any messages in my online account. Since the funds had been cleared and showed available in my account, I attempted to use and was rejected. 
I contacted chase on XX/XX/XXXX attempting to resolve and use my funds. Their recommendation was to have the check issued call chase to clear the transaction. The issuer called and stated everything was clear on their end, funds were disbursed appropriately. 
I called back XX/XX/XXXX to follow up. They gave me the same recommendation to have issuer call. Issuer called and received the same information. 
I decided to conference call with issuer on the line to clarify banks request. They verified issuers information and assured me issue would be resolved and I would have access to my funds within XXXX XXXX I attempted to use card XXXX XXXX later and my account is still restricted. They continue to waste my time and issuers time and give us the run around. The funds are not in issuers account nor in mine. This restriction does not allow me to buy food for myself or family and is also costing me time and money.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXXXXXX  XXXX account XXXX XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXXY XXXX Ref XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated (VA)

On XX/XX/XXXX my debit card was charged {$99.00}. I started a dispute on XXXX XXXX. My card was issued a Provisional credit adj. of {$99.00} on XXXX XXXX. On XX/XX/XXXX there was a reversal debit adj. for {$99.00}. Then a reversal credit was put on my card for {$99.00} on XXXX XXXX. Once again in XXXX XXXX XXXX XX/XX/2021, a reversal debit appeared .It was for {$99.00}. On XX/XX/XXXX a Provisional credit adj. of XXXX. Finally on XXXX XXXX, the last provisional debit was charged. The only {$99.00} charge that even indicates a false merchant name was the very first charge on XX/XX/2021. It says XXXX XXXX XXXX The denial letter was sent to me in XX/XX/2021. It just states that I do have a XXXX account. I told them I had an account, but it is not a paid account. I tried to have it refunded from XXXX, whom reaffirmed, I had not made a purchase ever from them. I made 11 claims with XXXX to no end. XXXX did not take my money, but the Way2Go card says I have to get refunded by XXXX. I want all {$99.00} returned to my account. They should have not even occurred again during the 3 month investigation. The first charge, the supposed 2 reversal debits, and the last provisional debit that was the fourth charge from my card.
Consumer complaint received 2022-05-01
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX Co XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have submitted documentation to the credit bureau requesting that they validate this account that they claim belongs to me, with three attempts made on my behalf they have yet to submit an actual contract made between my self and Bank of America, Bank Of America has yet to show my any information with my name address or social security and something with my valid signature attached. they have updated my credit information with out any verification from me and with out authorization
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK (NJ)

I was told directly by my bank FIRST HORIZON on XX/XX/XXXX that my rate for next year would stay the same by one of their representatives. I told them I was in the process of refinancing with another bank ( as this bank doesn't do refi ). 

I then received a letter dated XX/XX/XXXX that my rate would go up 1 %. 

That is misleading me in order to keep my business and even if it was an honest mistake, it was FIRST HORIZON 's mistake. Not mine.

I have submitted this before and they replied WITHOUT DISCUSSING the XX/XX/XXXX call ... which is my only complaint. See attached letter. It is more dishonesty!
Consumer complaint received 2022-05-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

I bank with Wells Fargo, and i have tried to move money into my savings account, since it had been in overdraft. I moved {$7.00} on XX/XX/XXXX to make the account positive. Their terms say that as long as i move a {$1.00} into the account, it should not be charged the monthly fee. However, on XX/XX/XXXX i was subsequently charged the monthly fee of {$5.00} even though i had a positive balance present in the account. 
I had previously had asked the baking rep in store last month about switching account types and said that i don't qualify for any of the current ones that they have available, stating that i would need at least $ XXXX to have an account type with no fees or minimums, which is a lie since i previously had an account that had no fees charged to me, but conveniently, Wells Fargo, doesn't want to offer that package to me, even though i had been with them since XXXX and a loyal member. 
This is just another sad example of how Wells Fargo got caught Scamming many of the loyal, valued customers. 

I also contacted Wells Fargo banking on that same XX/XX/XXXX date to help recall and charge back previous transactions that i had previously dealt with the named companies indivually, to no avail. I told them that i had tried to directly ask for the money back and no refund from the companies were give to me, which lead me to filing the dispute. 
I find this resolution completely unacceptable by Wells Fargo, since they would previously do this for me in previous years or any customer they hold a value of at least $ XXXX because they're the rich people and they bend down to the rich people without hesitation.
Consumer complaint received 2022-08-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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