davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-12
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 Fair Credit Reporting act XXXX. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
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 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient has NOT processed any of my paperwork and failed to notify me every single time. They have continually created obstacles for me. The only reason I know that nothing continues to be done is because I am persistent with calling. They have continually created obstacles to repayment by providing bad information ; processed my payments and paperwork incorrectly ; failed to act when borrowers I have repeatedly complained ; illegally cheated me out of their rights to lower payments. And for some odd reason my student loan amounts continues to grow even though I 'm not in school and I have processed paperwork on my end.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NJ)

Unfair assessment of late fees & interest. We always be entire balance before due date. Received XX/XX/XXXX credit card statement on XX/XX/XXXX. The same day, XX/XX/XXXX, I mailed a check for entire balance from INSIDE my local post office. On XX/XX/XXXX, I get email from Credit Card company stating they don't have payment. This is the 1st time this has happened. I call. Rep says they don't have check and advises me to put a stop-payment on check. To avoid lateness, we do a 1-time electronic transfer. The next day, XX/XX/XXXX, I put a stop payment on wayward check. The bank makes a mistake. Instead of just stopping payment on that 1 check, the bank mistakenly puts a stop payment on all funds from my checking account to my credit card. The original electronic transfer of XX/XX/XXXX, which had been posted to my checking account, was now reversed ( unbeknownst to me ). It wasn't until XX/XX/XXXX that I get an email from credit card saying payment is late. There is a lot of in-between details, but the bottom line is a new electronic transfer of funds from my checking account to the credit card company was successful on XX/XX/XXXX. However, the credit card company insists I pay the interest charges even though they screwed up by mishandling my check and advising me to put a stop-payment on it. ( Later, I'd learn that the credit card company had, indeed, received the " wayward '' check on XX/XX/XXXX, and if they had posted it then they never would have notified me on XX/XX/XXXX that my payment was not received ; hence, everything after XX/XX/XXXX would not have occurrred, and there never would have been late fees/interest charges in the 1st place.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, I called Wells Fargo to initiate a Balance transfer to the card within my posted Credit Limit. I had tried to complete the transfer myself online but messaging indicated I had to call. It took me a couple of days to have time so call was made aprox XXXX on Sat XX/XX/XXXX. The person I spoke to was not very helpful, I indicated what I wanted to do he mentioned there was a fee which I had not considered and I was transferring over slightly less then my credit limit I wasn't sure the approx XXXX would cover the difference. I asked him what the fee would be and then he indicated that my transaction was declined. What? I wasn't even over to my limit. He couldn't answer my question and them offered to transfer me to an Underwriter. Still very confused I told him to do that. The underwriter then explains that she will need to pull a full credit report? I told her I was attempting to use my posted credit limit WHY would I need my credit pulled and that was when she informed my that the last rep had pull a soft pull and that was declined and she couldn't answer my questions w/o and tri-merge report. I told her no and hung up. 
If I want to transfer funds within my credit limit that should be allowed online along with the charge for the transfer by dollar range etc.. This felt to me like I was being scammed. I have a credit limit, I do not want any other credit lines with Wells Fargo and my question was never answered. Nor did I know or understand the first rep I spoke with was pulling my credit as a soft pull. I indicated I was within my credit limit. This is unacceptable to me.
Consumer complaint received 2023-03-14
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. (SC)

When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (FL)

For 8+ years I have banked with PNC as our business banker ( with checking, credit cards, and savings accounts ) as well a another business and personal savings account. On XX/XX/XXXX without notice PNC made the decision to close all accounts associated with me. My business partner who happened to be discussing utilizing some of their products found out by chance that our account had been flagged and when asked for an explanation was transferred to someone who said it was a decision the bank had made and would offer no further explanation. At this time our clients were trying to submit payments into our accounts and had their payments returned. We had no opportunity to use our business account or accept payments any further as the account was closed. 

At the time I checked my other business and personal savings accounts and saw that everything looked normal... It was not until XX/XX/XXXX that I received a text alert that my account was closed and my Balance zero. I immediately went into my local branch where they manager explained all accounts associated to me had been closed, I could not access my funds and there was no explanation why. 

I was given case numbers for all accounts and called on each only to be told the standard script " the bank had made the decision to no longer do business with me and did not need to explain why '' my remaining balance in my accounts would not be available until they processed all payments and then would send me a check in the mail. 

I then went back to branch manager where we have had a 8 year relationship to get further answers and explained the entire process felt discriminatory and I would be considering legal action. He promised to do his best to see if i could get my funds released and would escalate my complaint for further action on Friday XXXX I spoke with XXXX XXXX at XXXX a case manager who again offered no additional explanation for my account closers and said " you cant get your money because you can't '' I have been prevented from operating our businesses, had my money withheld, and given no explanation as to why this action has been taken against me. In 8 years of this banking relationship we have never had any questionable transactions or even requests for refunds. I am a business coach - I am extremely concerned about the reason for this decision and the impact it could have on my future banking as well my reputation with my clients. As an XXXX XXXX this seems like the highest form of discrimination and unjust client exclusion.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

XXXX order placed XX/XX/22 in the amount of {$1300.00}. Money was taken from the account. Merchant missed 3 separate promised timelines to ship. I advised the merchant to cancel. Merchant wouldnt answer or return any of my phone calls. I called twice a day every day. I sent multiple messages to cancel. I filed a complaint with the XXXX XXXX XXXX Company advised at that time on XX/XX/22 that the charge would be refunded within 5 business days. The refund was never issued. On XX/XX/22, a package arrived from the company. It included items not ordered. I again continued to send messages and call for a return label. The company would not respond. This company has multiple complaints for the same situation online, with the XXXX, and they are currently being investigated by the XXXX XXXX Sheriffs Dept in XXXX, Texas. They operate under multiple company names including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX The bank denied my billing dispute and will not help me get my money back. I need help.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with Equifax, XXXX  and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.
Consumer complaint received 2022-09-12
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: CITIBANK, N.A. (CT)

RE : Case # XXXX This complaint is in response to the lack of a response by Citibank in their answer to my prior CFPB complaint against them, dated XX/XX/2022. Although i am addressing the credit reporting agencies in a separate complaint, I shouldnt have to do that as the only recourse, as Citibank suggests in their response. They are furnishers of information, it is on them to know what data they are furnishing and if they are not certain as to the accuracy of the data they furnish, they are in violation of the law, in particular the FCRA and should cease furnishing such information. 

Citibank claims to have forwarded this alleged account to another company and that they were to notify me of the alleged delinquency. This was reported on my credit without any such notification. Reporting derogatory data is a form of collection activity, yet no notice was made of such activity. Citibank claims the amount owed was {$730.00}, yet they are reporting it as {$770.00}, which it was alleged to be in the hands of this third party company, and yet also the highest balance is listed as {$600.00}. Aside from the aspect that a third-party is allowing charges and interest on the alleged account, it seems there is much confusion on Citibanks part how the amounts listed were arrived at. Also, as Citibank asserts in their response that they forwarded the alleged account to a third party, and encourages me in their response to my complaint, to contact that third party for information related to the alleged account, there is no such account showing on my credit reports. The Citibank listing on my credit reports still shows a balance, indicating Citibank shows that they believe THEY are owed this money, not this third party. If this third party has the account, how are they allowed to charge interest and other fees on it, as Citibank alleges in their prior response? Who is the Holder in Due Course here? 
Again, Citibank continues to insist that the alleged account was closed at customers REQUEST, which is simply not true and is false and misleading. There is no evidence of my having requested to close any such account. 
The furnishers of data here, ( Citibank ), again show no clarity or ability to explain how the data is furnished among the three credit reporting agencies. The FCRA makes it clear that that information must be accurate and complete and Citibank, in their response, has not addressed not only the inconsistencies in the data reporting but the gaps. The alleged account here should be deleted.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (CA)

Around XX/XX/2021, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX from my Gemini account to fraudulent investment firm ( s ). 

My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Gemini to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.
Consumer complaint received 2022-09-12
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. (FL)

I sent a mail to Equifax stating according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

They have failed to answer me on time, and it has been 30 days. 

1. This account is not mine XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

2. This account is past the ten years mark/No late payment XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it from my credit report immediately. 

3. This account was never late XXXX XXXX  # XXXX Date open : XX/XX/XXXX Please remove immediately 4. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

5. This account is not mine XXXX XXXX XXXX # XXXX Date open : XX/XX/XXXX Please remove it immediately. 

6. This account is not mine XXXX # XXXX Date open : XX/XX/XXXX Please remove immediately 7. Victim of natural disaster/ XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Please remove late payments immediately. 

8. Victim of natural disaster/XXXX/In school and deferment XXXX XXXX # XXXX Date Opened XXXX XX/XX/XXXX Please remove late payments immediately.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

In XXXX i got a computer at XXXX   online store then dsys lster the purchase was cancelled cause they lost in delivery so they cancell but never give me refund for 2 months installments payments i did. Then not only that On XXXX XX/XX/XXXX got XXXX  charged for XXXX Plus XXXX trade in Not only that they restarted the monthly installments payment from XXXX today so they charging 3 times same purchase and never got the product. 
Please see the pictures they says all
Consumer complaint received 2022-09-12
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. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2022-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

Navient failed to provide me the private loan holders of my loans. 

Navient failed to explain how my loans are being paid out to each loan holder. 

Navient failed to disclose how much loan holders charge daily on the account.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Reported : XX/XX/2019 was transferred to XXXX Reported : XX/XX/2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I am requesting for XXXX XXXX of XXXX to remove and block this fraudulent account immediately from my Equifax credit report. Your company as well as Equifax recently deleted this item from my credit report. Your company as well as Equifax have violated my rights under FCRA by reinserting recently deleted on my credit report without first notifying me within five days. Why have your company violated my rights? I am seeking punitive damages as well as {$1000.00} from your company.
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (GA)

On XX/XX/1922 I checked my credit and notice that there was a inquiry from XXXX that I didn't recognize or authorize placed on my Consumer credit file. I have mailed XXXX a copy of a FTC report filed because this inquiry was placed on my file fraudulent.