davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (MI)

I applied for an Apple card on XX/XX/XXXX, -although I had a credit score over XXXX and only using 15 % of my available credit, I was only given a {$2000.00} line of credit. 
On XX/XX/XXXX, I requested a credit line increase, again my XXXX score was XXXX, my XXXX score was XXXX ( excellent ) My XXXX  score XXXX. My XXXX score of XXXX was used and I again was denied a limit increase. 
More importantly I am currently only using 4 % of my available credit, which is confirmed by my credit report. Only reason Goldman Sachs has given for denying me is that I had too many inquiries. 11 total over the last 2 yrs with 5 of them in XXXX. 
Many of these inquiries were NOT to obtain credit. Also 3 of these inquiries from XXXX were for accounts I immediately closed. The reason banks look at inquiries as a negative is that it COULD signal someone in financial trouble and shopping around too much for credit. One look at my credit report and any high school student can see that is not the case with my credit history. 
I am going to provide an explanation of each inquiry that should have NO bearing towards my credit because those accounts were either closed, were the result of opening a checking account or car shopping and by doing so request a reconsideration from Goldman Sachs for a credit line increase. 
I am using this platform to have an accurate record of this process because I believe I am being discriminated against for reasons currently unknown to me. 
XX/XX/XXXX, XXXX XXXX XXXX  was for an auto loan- which I did not establish a line of credit. I decided to pay cash for the car. 
XX/XX/XXXX- XXXX XXXX inquiry was from opening a new checking account. I had previously closed all my accounts with XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX was for a car- which I did not establish a line of credit. I decided to pay cash for the car. 
XX/XX/XXXX XXXX XXXX XXXX XXXX I closed this account XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX  XXXX - I refused the credit- interest rate was not what they initially promised. 
SO the reality is that I have had 2 inquiries in XXXX that have established any credit and 5 inquiries total over the last 2 years. 
Again I am using only 4 % of my available credit I have no mortgage or car payment and my total cost of living is only 30 % of my monthly salary.
Consumer complaint received 2017-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (MD)

XXXX   XXXX   I was out of town and friend of mine got a ticket in  XXXX  for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management,  LLC  in  XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on   XXXX   @  XXXX  for citation #  XXXX  according to the receipt I got in email from  XXXX  XXXX  XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and  XXXX  of the  XXXX  agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in  XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the  XXX  but I 'm taking this all the way to the top. Either they have shady business practices or their  XXXX  Agents are stealing money from the company. I am not the only person with this issue. I looked at their  XXXX  page and it says they have " A+ '' rating but there was a complaint similar to mine.
Consumer complaint received 2021-12-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hiday & Ricke, P.A. (FL)

In XXXX, Hiday and Ricke took over account for XXXX XXXX XXXX XXXX. I was a co-signer on an auto loan back in XXXX. After numerous harassing calls and letters, I explained that I am a single mother of two and i didnt have any involvement in the other party defaulting on the loan. I made arrangements to make monthly payments which I did. However, the company then proceeded to file to have a judgement entered against me for more than XXXX. The company also filed a writ of garnishment against the other party for more than $ XXXXmonth. After not being contacted since XXXX, my employer was served a writ of garnishment last week. I was in no way contacted or notified of this prior to them filing. When I contacted XXXX XXXX, the Garnishment Agent, I was advised that my employer had already been served and that I would need to fill out a financial form for them to consider adjusting the garnishment. The financial affidavit that was attached is extremely invasive. In addition to household expenses, it also asks for bank account information to include savings, checking and routing number. When I submitted the form, no one bothered to respond. Nor was I given an opportunity to file an exemption form or to set up a payment arrangement. The company is using an address I have not resided at in 2 years. When I made attempts to call and email, I did not receive any response. The garnishment is withholding XXXX % of my income per pay period which is over {$300.00}. I am a single mother of two children and I do not receive any additional assistance. This is immensely frustrating and it greatly impacts my ability to provide for my children. I do not understand how anyone could justify withholding % XXXX of someones earnings every pay period in the midst of a pandemic when financial instability is at an all time high. I have sought legal action in this matter. I have the notice to defendant that was filed with the court for documentation.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Square One Financial, LLC (CO)

I pay XXXX $ to this financial institution for vehicle loan and only half goes towards the amount financed rest goes towards interest. They have caused so much stress on me I may have not payed on 2 time but I payed my late fees on top of the XXXX $ and non of that went towards the vehicle loan. I am a XXXX veteran who has XXXX and this has increased XXXX. Please help I also got email conversations between me and financial company.
Consumer complaint received 2017-01-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A company called a said that someone came to my home to serve me papers for being sued on this issue. They threatened to come to my work and said that I had to pay in full today. I told them I have no money to pay the debt off.
Consumer complaint received 2017-05-03
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: Experian Information Solutions Inc. (TX)

There are many inquiries appear on my report without my permission :  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 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I contacted MOHELA on XX/XX/XXXX asking to have the payments I've made since XX/XX/XXXX refunded. I didn't receive a response. I called a few days later to follow up and was told that they will put in a request to reopen the loans and refund me all of the payments I've made since XX/XX/XXXX. They didn't give me a confirmation email but did mention it can take up to 30 days to process. I followed up again on XX/XX/XXXX by phone and spoke with XXXX, who let me know that my request was put through on XX/XX/XXXX. I still have not received the refund and there are no changes to my online MOHELA account.
Consumer complaint received 2021-12-23
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. (PA)

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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: Mr. Cooper Group Inc. (FL)

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 a 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 2022-08-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I just found out that after I filed for pandemic employment benefits 2 years ago someone stolen my identity I was geting my benefits for 2 years with out my knowledge I called Bank of America XXXX  claims operations to let them know that I been a victim of identity theif Im trying to get my funds thst were stolen from me I got a police report they are still giveing me the run around
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

Today I received a notice that said they were debiting my account {$72.00} for overdraft fees. I have tried to get them to refund these before and they have said no until I filed a complaint. They are taking advantage of me because I am  XXXX  and only making {$10.00} an hour.
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

This regards my XX/XX/XXXX complaint re : JP Morgan Chase - XXXX They made XXXX attempt to call me- but after XXXX calls that I made, they will not return my call or return my money which they hold- {$23000.00}. The original failed wire occurred on XX/XX/XXXX and since then, they have not returned any calls, not returned the money and not responded to anybody from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or myself. The recall was made XX/XX/XXXX. I need MY MONEY so I can pay my bills immediately. I've made more than XXXX emails and XXXX phone calls and I'm getting NO RESULTS from anybody. This was a one-digit error on a wire, and they have simply kept my money, will not return it - and will not call back. They need to return my funds immediately and receive a penalty - I've spent days on this and no results.
Consumer complaint received 2017-05-02
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. (MD)

XXXX  and Equifax mortgage services seem to be  XXXX  company but have done hard inquiries, through our request for a home loan through  XXXX , have made  XXXX  inquiries on my credit reports ( all  XXXX  bureaus ) and  XXXX  on each of my husbands reports ( all  XXXX  bureaus ). They made the inquiries in   XXXX   and  XXXX . Although the company says hard inquiries within 1 month count as  XXXX  inquiry, I have found the time limit is 14 days. We only authorized quicken to pull our credit report one time. Shortly after contacting quicken, we recd a denial letter because our credit was n't strong enough. Then, there are more inquiries and lenders are saying we authorized. NOT TRUE! Why would we if we were  DENIED. I t 's bad business practice and I personally feel underhanded and probably violating laws! We now have limit of inquiries due to above company  ( s  ), that they have forced us to stop trying to buy a home and ship for mortgage companies. Each inquiry after  XXXX , within 2 years, lowers credit score  XXXX  points!!!! We did not authorize this. We have called, written, disputes and the lenders refuse to remove the unauthorized inquiries. Again,  XXXX  and Equifax mortgage services ( as listed in my and husbands credit report ) had NO authorization. We are now filing with  Consumer Protection, FTC and US  attorney general. Our resolve is any and all inquiries on my,  XXXX   XXXX , and my husband,  XXXX   XXXX , be removed from all  XXXX  credit bureaus immediately.
Consumer complaint received 2021-07-28
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)

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2016-05-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I received a letter in the mail a couple of weeks ago stating that my student loan payment was being reduced because of a government ruling. It dropped a few dollars. 
Then I received another letter in a non-descript junk mail looking envelope. I opened it and it stated that my payment had dropped because they were reseting my loan to the maximum term under federal guidelines..My monthly payment would go down but the overall cost of my loan would increase. 

I immediately called them to correct the situation. Had I not opened the letter by chance I would not have known, and the provider would have gathered an extra year of interest fees. This was from Navient. It was very deceptive and with the sole purpose of trying to slide by an increase in my payment amount over time. 
This is not forthright or ethical, downright sneaky and deceptive.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MO)

XX/XX/2021 chime locked my account for suspected unusable activity. Not really sure why, I use this account to have my checks deposited from my job and for purchasing. It is now XX/XX/2021 my account is still locked. I have provided all the documentation requested and a selfie with my photo ID and a peice of paper with my name and date. I have called Chime customer service several times and everyone I speak to someone its the same thing. They dont know how long it could take to unlock my account they dont know why it was locked, they really dont know much of anything. I have read into many customer complaints about this very same thing happening to them and Chime keeping their money so I suspect this will be happening to me as well. What will be done about this very fraudulent company? Are we really going to let them get by with this???
Consumer complaint received 2021-01-25
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)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Checking my report today and I noticed someone used my information to call about some stuff without my consent I never gave nor know about. I focus hard on making sure my credit is good to support my family and as you know under the Fair Credit Reporting Act anything reporting inaccurate on my account should be removed. Please do not add any remarks to report.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I recieved 2 envlopes in the mail on XX/XX/2021. XXXX was a new debit card for a Wells Fargo account that I did not open and the other one was a closure of deposit accounts notice. I called the number provided and was on hold for over an hour and told that the fraud department was closed and would give me a call back the next day XX/XX/2021. I did not recieve a call back and have been on hold with them for over 2 hours now waiting for someone to answer my call
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (VA)

I have proof that Wells Fargo received a letter from me requesting to verify and validate an alleged debt that came from my social security card. They also received a cease and desist along with this debt validation letter on XX/XX/XXXX. Wells Fargo then sent a 3rd party company ( that was not included any where in the initial communication ) to take my vehicle on XX/XX/XXXX. Wells Fargo then sends me a letter, that I received on XX/XX/XXXX. This letter was titled " Notice of our plan to sell your vehicle ''. This was the first time I had heard anything from Wells Fargo since my original letter was received 41 days prior. I have called Wells Fargo multiple times between XX/XX/XXXX and XX/XX/XXXX, and talked to a case specialist by the name of XXXX XXXX, who harrassed and lied to me multiple times ; I have evidence of these interactions. Since then I have filed complaints through the XXXX  OCC, and FTC. Wells Fargo has replied after the repossession letter addressing my concerns of their violations on XX/XX/XXXX. The letter they sent me had false and misleading information and they still failed to validate or verify this alleged obligation, while confirming they have received my original letters on XX/XX/XXXX. I have also stated their violations of the FCRA, TILA, and my right to privacy in affidavits as well. I have yet to this day, XX/XX/XXXX, received a proper response from Wells Fargo, yet they have continued to steal my property, share my private information without my consent, and neglect my rights as a consumer. Wells Fargo continues to send me the same letter, even after being presented with violations and new questions.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

US Bank Keeps Locking my debit card wrongfully, and illegally a screenshot was sent to you guys showing I marked a transaction as valid via fraud text and your bank still kept my card locked and refused to monetarily compensate me for weeks of not having access to the monies in my card answer was sent on a cfpb complaimt about a prior issue with my account thats still not fixed! Your bank is ignorant. Us bank does not care for the customers doesn't like to fix the problems their bank creates and has horrible managing and or cooperate officers, and does show compassion for their customers. This problem was reported to the CFPB twice and you still failed to fix the issue! Your bank is a joke!
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

A few weeks ago I got approved for a CitiBank  XXXX   XXXX  credit card. It finally arrived yesterday  XXXX / XXXX /   17  in the mail and went online to activate the card but I as soon as I hit the activate button I received a message saying I need to contact Citibank Fraud support. When I called the number an agent whose name is  XXXX , ID :  XXXX  who asked for sensitive information such as the credit card number on my   XXXX   XXXX   XXXX   card which I refused to give out due to    XXXX   has nothing to do with Citibank. She put me on hold several times for a long period of time when I asked to speak with a Supervisor/Manager. While on hold she hung up on me and did n't bother to call me back. I called in to my nearest  Citibank  branch and they said that no agent should  EVER  ask for credit card info other than a  Citibank  card. At this point I 'm extremely frustrated with this bank and they refused to cancel my account since I need to send a photocopy of my social security card along with my driver 's license over to them to verify my identity. This is extremely sensitive information that can not be shared on the internet let alone via email. I 'm reaching out to you guys seeking for further assistance with this matter. Let me know if you need more information from me, thank you.