davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

To whoever it may concern, I am a college XXXX from XXXX XXXX and I have had on going difficulties working with Firstmark Services in trying to find a more reasonable payment plan in order to pay back my student loans. My plan was scheduled to start in XXXX of 2019. Before my start day I tried to get my loans into deferment in order to same income in order to pay off my loan because I was not able to make the {$500.00} monthly payment as set up by Firstmark Services. After going back and forth for a couple of days, Firstmark eventually granted me the 3 month extended grace period for my loans. I was very grateful for the fact they approved my request, but was also nervous because I was working a minimum wage job and knew three months would come up quick. 
Due to life circumstances I had to relocate from New York to Florida, which had a big impact on my finances. Now paying rent for an apartment, car bill, insurance, phone bill, utility bills, and other expenses, while being unemployed, I put in a request for another 3 month grace period due to these circumstances. Although I did start a better paying job in XXXX, I still was not in a position financially to start an additional {$500.00} monthly payment including all my other expense. After that request got denied, I reached out to Firstmark to see if we would be able to refinance the loan for a smaller payment for a longer period of time, which was denied. Even with offering to provide sensitive financial information, Firstmark refused to even talk with me and simply sent me an email denying all my request. I can not afford to lose my apartment, car, and job because this private loan company refuses to work with me even a little. I want to pay off these loans, but a monthly payment over {$500.00} is something I can not realistically make. I desperately need help and I hope someone will be able to help me because I'm running out of options of what to do. Thank you for letting me get a chance to submit my claim and I look forward to hearing from you soon.
Consumer complaint received 2022-08-08
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: Affirm Holdings, Inc (MT)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

AFFIRM INC XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2019-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC. (TX)

I borrowed from cashcall in XX/XX/XXXX, they garnished my wages in XX/XX/XXXX, I paid it off but now in XX/XX/XXXX they are coming after me again saying I owe another {$2000.00} in interest and fees.
Consumer complaint received 2019-11-08
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: CORELOGIC INC (AZ)

Hard enquiry from Unknown resources on XXXX 1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information Corelogic XXXX, CA XXXX ( XXXX ) XXXX XXXX. Institution Information XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX  1. Corelogic Credco XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-06
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. (IN)

I have sent letters to each XXXX, XXXX, and Equifax on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

I lost my XXXX  Mastercard Credit Card and as I was checking my account online I saw two charges in my account in the amount of {$390.00} made on XX/XX/XXXX at the XXXX XXXX XXXX, NH also another charge of {$840.00} made on XX/XX/XXXX at the XXXX XXXX in XXXX, NH. I am not even in the USA. I notice the fraudulent charges and I did reported right away to the credit card. These charges are fraudulent and was not made by me. They are refusing to reimburse me for it.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NY)

I upgraded my Discover It secured credit card that had a {$500.00} desposit on it but I never received my desposit back. I called on XX/XX/2020 and they said they will mail me a check. I called again on XX/XX/2020 and XX/XX/2020 with the same problem but they kept telling me to wait for it even though they told me initially it would take 7 business days for the check to arrive. Finally, I called again on XX/XX/2020 and they said they would send it directly to my bank account.They said it would take 5 business days and I still havent received it to this day XX/XX/2020.
Consumer complaint received 2019-11-08
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: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for medical leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AE XXXX
Consumer complaint received 2019-06-05
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)

I attempted to get a personal loan due to the fact that, XXXX XXXX sent some solicitations to obtain a personal loan. I received a few solicitations and I should pick the best one to use for my personal loan. Applying for the loan, a credit check would take place to check your status, A SOFT PULL that basically will not hurt your credit. All the companies stated the same message that is a soft pull and will not affect the credit. Doing that checking with a couple companies without giving any authorization for a HARD PULL. few companies ran my credit to compete for my business and it looks from my credit report, they have ran a hard pull inquires 13 times and this in turn dropped my credit by almost 80 points. Now I am trying to refinance and dropping my credit score to a point below the 600 score put me in a very awkward position. Now I never consented to a hard pull inquires and definitely not to 13 inquires. Please I need your help with this situation. This situation is ruining my chances to refinance and causing me a very distressful position. Thank you
Consumer complaint received 2020-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

Let me start by giving you my background, I worked on XXXX XXXX for 20 years and have XXXX XXXX, XXXX. I have more than the average grasp of Banking Regulations. What Chime bank is doing, and from what I gather on a massive scale is collective fraud. Since this has happened to me, I have read hundreds of stories about similar theft. How its gone on in this day and age with all this regulation to protect the customer is beyond me. Chime has implemented a culture of theft and my guess is they will steal as much as they can until the Feds shut them down. 

What happened is I received an email my account was suspended due to suspicious funds. I explained to them my funds are coming from the New York State Department of Labor. That they were my unemployment benefits and thee is no way the could be suspicious Over the next day I sent them my drivers license, passport, two credit cards, my apartment lease. What all of this has to do with suspicions funds is beyond me. The crazy part is the wouldnt let me talk to anyone, i never had access to a human being. Just a generic email and when the person would respond it would be with a first name and last initial. Again the reiterated my funds were suspicious and the were closing my account and keeping the money. I could not believe such blatant fraud. You guys have to shut them down, they have stolen from a lot of people. They stole my unemployment which was {$410.00}, and I couldnt feed my family, I am beside myself. I couldnt even get a name or a phone number
Consumer complaint received 2021-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CT)

On the XXXX of XX/XX/2021 I received text messages that appeared to be from Chime fraud department asking if I attempted to make certain transactions and to reply yes or no I replayed no I then received a call from The chime number from a man saying there was attempted fraud in my account. The man also knew my address. I did not give him and of my personal information. 

He instructed me to follow links through text messages he sent to Chimes number that Chime texts from. He said if I dont follow these steps my account will be compromised. I followed the steps and as soon as I pressed a green button he hung up on me. I immediately received a message saying I sent {$390.00} ( my balance at the time ) to a XXXX XXXX. 

The man was able to manipulate their system and create links that looked like they were designed by Chime coming from all of Chimes phone lines/system. He was very polite and informative. 

I have filed a dispute twice with Chime. First time they denied my dispute without even seeing my proof. I have called them several times over the weeks and the last time I called the agent said Chime sent me an email on the XXXX of XXXX denying my dispute for the second time. I never received that email, he failed to forward me that email then he said they must have sent it to another email BUT chime has only one of my emails, he then said the investigation team must have made a mistake and sent it to another email. 

Chime has opened my case again. I will continue to fight for whats rightfully mine. 

I have filed a police report and FBI report.
Consumer complaint received 2021-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NV)

I paid for an online school called XXXX XXXX XXXX XXXX XXXX ( XXXX ) with my discover credit card. Due to the pandemic, health-related, and facing hardship I was unable to finish the course with XXXX and XXXX refused to refund the money I paid even though I never received what I paid for. I submitted a chargeback with Discover card and Discover went in favor of XXXX leaving me responsible for the balance of over one thousand dollars, I've explained to Discover over and over that I have a medical letter excusing me from this school and also have provided proof of hardship, per consumer law if XXXX is refusing to refund my money, Discover card needs to step in and refund my money but Dicover is refusing as well.
Consumer complaint received 2019-11-07
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. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX /XXXX  XXXX is still appearing on my credit report. However, the attached document demonstrates that the account was dismissed with their collections agency and therefore no longer making me responsible for the account. The tradeline needs to be removed.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (FL)

To whom it may concern, My complaint is regarding my credit card account with First Progress Select. They are reporting a late payment for the month of XX/XX/2021. The payment was made on time in good faith per First Progress payment protocol. First Progress unlike most Card Issuers do not have a payment portal on their website. You are directed to pay the monthly bill through your banks bill payer service or other third party services. 

This is where the problem arises. Once I make the payment through my bill payer service I have no control from that point when the payment will be actually made. My bank mails the payment on some occasions. As a result of my bill payer service not routing the payment on time it has resulted in a late payment being reported in my credit report when the payment was initiated on time. 

Please provide whatever assistance you can with this matter. My credit score was reduced 15 points because of this issue.
Consumer complaint received 2021-04-06
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. (CA)

There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX  - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX  XXXX  XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am filing this Complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and 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 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (FL)

I contacted wells fargo to cancel a direct pay payment that had not been sent out yet. I spoke with a rep on a recorded line and she advised that she was able to cancel the payment. We had a several minute long recorded call. The next day I logged in & saw she canceled the wrong payment. I contacted the bank immediately and they saw the previous days reps notes and that she canceled the wrong payment. I was advised they were going to contact the other bank, have the payment reversed, and that I should see the deposit in a few business days. The refund did not arrive. I called a week later and was advised I need to file a claim and was given claim number XXXX. After speaking with several different reps and was advised that Wells Fargo denied wrongdoing and rejected the claim. I was advised that I could appeal to the executive business office so I did an appeal and received reference number XXXX. I never received a call from the rep contact number XXXX ( XXXX ) XXXX after speaking with the switchboard operators 1 once a week ( since XXXX ) and was advised each time she was either not at her desk and she would get the message, she was on another call and would get the message, XXXX and her supervisor would be advised that haven't ever received a call back. I have yet to receive a call from anyone at Wells fargo. XXXX without any input from me or confirming the audio recording of the call with the initial rep ( to cancel the payment ) issued me a {$50.00} customer appreciation credit which was foisted upon me without acceptance ( directly deposited into my account ). As of todays call I was advised that XXXX was not at her desk and her supervisor was on a call and it might be better for me to resubmit the claim. The new claim reference number is XXXX. The switch board number I call XXXX. While the operators are very kind they are some of the slowest talkers I have ever spoken with and repeat & reiterate details ad nauseum. Reading details of the calls that I made and what transpired on each call ( which accomplished nothing ). Reading the denial letter that I holding. Honestly felt like an annoy tactic.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (LA)

AMERICOLLECT INC is reporting to credit bureaus that I owe them money. I have asked several times to have this debt verified and for them to show me that i owe money to this company. They have failed to so. Despite this request they continue to report this false information. if this is not immediately removed from my credit i will be seeking legal action.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I reported these 3 account over the last 6 months as Im correct reporting and nothing was done account keep being verified but not removed as demanded for inaccurate reporting and violations under the FCRA { 15 U.S.C. 1681 } Permissible purpose of consumer reports The law will be attached and Im demanding removal of all 3 accounts due to not having written consent as the consumer