davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I filed disputes with all 3 major bureaus for accounts opened in my name that do not belong to me. Someone has been using my personal info to get accounts in my name and I went to the police station. I also filed an identity theft report because someone has obviously stolen my identity. The bureaus have done nothing and I sent them everything they asked for along with the disputes so I don't understand how they can not remove them.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OK)

On XX/XX/XXXX I purchased a deposit for a furnished apartment rental with XXXX XXXX XXXX XXXX for {$250.00}. The dates of the rental was from XX/XX/XXXX - XX/XX/XXXX. Total cost of the rental was {$3600.00}. 

On XX/XX/XXXX I cancelled my reservation by contacting the merchant on the phone. The merchant said that he was able to discount the total cost of my reservation by % 80. The merchant sent me the updated invoice for {$720.00}. I paid {$720.00} on XX/XX/XXXX On XX/XX/XXXX XXXX XXXX XXXX charged my credit card {$2700.00}. I should not have been charged this amount because I had paid the {$720.00} in full.
Consumer complaint received 2021-11-28
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. (NV)

XXXX intentionally in reporting incorrect information to the 3 agencies. they are reporting to Equifax that I was a 30 days late in XX/XX/2021 ( incorrect ) and they are reporting me to XXXX and XXXX a late 30 in XX/XX/2021 ( which again is incorrect ) I have reached out many emails to the executives and calls but they have ignored my request and I am not getting in position to bring legal tort action against them for damages. 

Their incorrect information has not only affected my credit score, it has affected my reputation and access to other credit which has causes a serious injury and created a lot of issues because of their negligence my payments are due every month on the XXXX of the month. As you can see from attached confirmation, my payment in XXXX was made on the XXXX of the month ( it could not be 30 days late ) and in XXXX my payment was made on the XXXX, so it is impossible it could be a 30 days late, because on day XXXX, they had full payment in their possession. 

I demand XXXX to immediately issue a correction letter to me so the late 30 's that are in correctly reporting can be moved ASAP.
Consumer complaint received 2021-09-23
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. (TX)

Equifax continues to be in violation of my rights in reporting inaccurate information. In their response letter they stated information was verified but in order to verify information according to Fair Credit Reporting Act, Section 609 ( a ) 1 ( A ) it is required by law to verify through a signed consumer contract, any and all accounts posted on my credit report. Otherwise anyone paying for reporting services could fax, email in a fraudulent account. 

Equifax and the merchants ( XXXX XXXX, XXXX, XXXX  and XXXX ) has not provided verifiable proof i.e an original consumer contract with my signature on it. Their failure to positively verify these accounts has hurt my ability to obtain credit. Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Consumer complaint received 2019-10-31
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (VA)

I went to college when I was just a teenager in 1998. I did not have parents who financially helped me. I took out student loans, this was not fully explained to me. Often I was encouraged to take more money to support myself through college. After school during the repayment process I could not afford the loan repayment. I was placed in deferment accruing debt and I did not realize the full implication of this ( I was XXXX when I graduated ). Since I am a XXXX I was eligible for a public service loan forgiveness this was never offered to me. They consolidated my loan and this changed my loan forgiveness date restating the date of my loan ( I was not aware of this until years later. ) I have been asking for help with the loan amount and all they ever offered was deferment and my loan continued to grow. I graduated nearly 20 years ago and I have over XXXX in student debt despite what I have paid over the years. 

Is there anything you can do to help?
Consumer complaint received 2022-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc. (CA)

SOFI advertised a {$500.00} bonus for loans funded by XX/XX/XXXX. I applied for and was approved and my loan was funded on XX/XX/XXXX. I called SOFI after a month and I was told I needed to submit a XXXX, and that was the only information missing to get the bonus. I submitted the form, and got no deposit of the XXXX. I called SOFI again in XXXX, a ticket was submitted, I followed-up on the ticket and I was told {$500.00} will be deposited on XX/XX/XXXX. I called on XXXX and I was told the ticket for my {$500.00} claim got denied due to this being a new loan account promotion. This is my 1st and only personal loan with SOFI, of which I should be eligible. I was told by 2 previous reps that I would have received the deposit. I received no email from SOFI regarding this denial. If this is a means to lure individuals into opening new account, I see it as a deception, and not a good practice. I need the {$500.00} deposited into my money account as specified by SOFI in their promotion.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was a victim of fraud. I was contacted by who I believed was chase bank with a text message asking if I had tried to schedule a transaction of {$3000.00}. That text message was followed by a phone call which phone number I believed to be chase bank ( I checked the phone number to see if it matched chases customer service ). The call said that there was someone trying to do a transaction of {$3000.00} with XXXX and also a transaction of several XXXX dollars in FL XXXX. I said that was not me and I did not authorize those payments. He assured me he would put a hold on my card and decline those charges. After that he put me on hold as he said he was contacting the team that works with fraud to report it. He asked me a series of questions and prompted me to change my name on my XXXX account to yes, my name. He then prompted me to erase my phone number off my XXXX and my email address which I did. Then he asked me to re add all this information which would give me a code to verify which I have to him. After all this changing of my name, email and phone number and re-adding. He asked me to XXXX myself the funds in my account to myself which was {$1400.00} because they were cancelling my debit which I would no longer have access to. So I did that and thought it would be transferred to my new account or something. He had me confirm my account was a at XXXX and told me Id receive a new card in the mail and Id have to sign for this new card and I should receive it in 2-3 business days. When I never received the card I thought it was strange. I called chase on XX/XX/XXXX asking where my new card was and the guy told me they never contacted me and that I was never issued a new card. At that point I asked that he connected me with the fraud department and I told them what had happened. The lady said it should be resolved and that I should get my funds back. The next day on XX/XX/XXXX I received the funds on a temporary basis while they investigated my claim. Fast forward XXXX and they send me a letter via my account and tell me my claim has been denied due to them saying it was authorized by me and that the funds will be taken out of my account after or on XX/XX/XXXX.
Consumer complaint received 2021-09-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT SAYS CHARGE OFF THAT IS IN ACCURATE, SEE LETTER OF EXPLANATION.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

I have a business checking account with Chase. I moved and live overseas.

My account being locked 4 times in the past few days for security reasons.

The only way to release it is by calling the XXXX  XXXX XXXX team. The holding time for the past four days is grater then 50 min. Last week I was successful reaching them after 30 min and they released the account. The next day it was locked again. That was last Tuesday. Since then I called at least seven times, waiting on an international calls 30-40 min before being dropped.

This is unreasonable waiting time. I am not sure if there is any consumer protection law in the US for the amount of time a bank can keep you on hold. In XXXX it is less then six min.

I have been holding now for an aggregate of 150 min now and still haven't get a hold of this department.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NC)

According to Discover Card, a authorized electronic consumer credit card transaction was done via online using their digital application/contract in my name XXXX, XXXX. I received several monthly statement requesting payment of account with the alleged debt of {$320.00} and it's due balance which I offered to perform in good faith to settle upon the condition that Discover Card provided me all the necessary proof of evidence pursuant the Fair Debt Collection Practices Act, 15USC 1692g which I listed in requests documents numbered below 1. Debt Collector Disclosure which they did not provide with their letter of response.

2. Affidavit Of Debt Validation which they did not provide with their letter of response.
3. To Cease And Desist which they ignored. Pursuant the Fair Debt Collection Practices Act, 15USC 1692c ( c ) I have given First Discover Card multiple default and opportunity cure the issue at hand by sending all my affidavits certified mail and they have yet to respond to me with the requested information.

An Affidavit unrebutted stands as Truth.

According to, United States v. his, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 1982 ] Allegations in Affidavit in support of motion must be considered as True in absence of counter-
affidavit ''. [ Group v Finletter,108 F. Supp. 327 Federal case of Group v Finleter, 108 F. Supp. 327 ] An affidavit uncontested unrequited unanswered, Morris v National Cash Register, 44 S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''. 

I have also provided Discover Card several exhibits disclosing all their violations of my consumer rights pursuant the FDCPA, FCRA and I also provided them with a detailed invoice. 15 U.S. Code 1692k ( A-A -E ) - Civil liability Also requested Discover Card to provide GAAP , Generally Accepted Accounting Principles is the accounting standard adopted by the U.S. Securities and Exchange Commission .
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MD)

On XX/XX/2020, I received an email from XXXX stating that my account is currently closed. I received my direct deposit from my employer on XX/XX/2020. I have contacted Chime per their request and submitted the following documents ; driver 's license, social security card, passport, and 1095 for proof and verification of my identity. On XXXX, and XX/XX/2020 Chime continued to ask for the same information as stated above. I have contacted the following number provided by Chime XXXX XXXX XXXX XXXX XXXX. During my attempts to contact Chime via the provided number an automated response states that my account is currently closed and to email support @ chime for further assistance. I proceed to contact Chime again via email with my same concerns, received the same reply requesting my driver 's license and social security card. I have XXXX in this account and now in the middle of a pandemic, I will be unable to pay my rent on the first. I feel like I have been given the run-around. I am overwhelmed and stress because of this situation. I was informed that I will be unable to re-open my account, and told to wait 30 days in order to receive a check for the balance in my account! I have all documentation for this situation. I have even requested to have the balance placed in a different account an was told no!
Consumer complaint received 2021-11-02
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. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : reason I never received a response from the credit bureuas XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-30
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. (NJ)

I sent letters out certified over 90 days ago and still have not been notified. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done. I'm a single mother of XXXX and life is hard enough as it is without having this extra burden on my shoulders.
Consumer complaint received 2021-09-23
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. (SC)

On, XX/XX/2021 I submitted letters to the credit Bureau on some things that was present on my credit file that was incorrect. Those accounts are paid in full. I asked they be removed from my credit file. They have a XXXX balance. I'm getting denial based on their inaccurate reporting.
Consumer complaint received 2021-04-29
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: ALLY FINANCIAL INC. (CA)

Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX, XXXX  and XXXX. XXXX told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.
Consumer complaint received 2021-03-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WV)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-23
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. (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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Consumer complaint received 2019-10-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Prime Recovery LLC (CA)

A man by the name of XXXX XXXX from Prime Recovery legal team called my brothers cell phone number and stated he was lookingfor XXXX XXXX saying I had wrote bad checks and I made good by paying these debits but those checks were returned to. XXXX ... XXXX XXXX seems to have the reputation by checking into this mysekf, this seems to be there tactic He's from XXXX XXXX and calls from XXXX This XXXX XXXX  needs to be stopped. Truly false information to call my brother and state I wrote bad checks, this is more than a false statement false and is slander I need to go after these XXXX XXXX legally you need to help with that!!!!
Consumer complaint received 2019-10-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc. (TX)

On XX/XX/2019, I contacted Tek Collect by phone XXXX to pay a debt that is listed on my credit report. I asked to have the debt removed from my credit and advised XXXX XXXX " supervisor '' that I would be paying the debt by credit card. XXXX stated the debt would not be removed if I paid it by credit card it would ONLY be removed if I paid it by certified check or money order. XXXX stated that if it was paid by credit card that it would be reported to the credit agency as paid in full in about 45 days but refused to remove even though it was paid in full ; however if I paid it by cash it would be reported as paid in full and removed from my credit right away. After contacting your office I called Tek Collect back, spoke with XXXX again and asked for validation of debt ( stated she does not have ), debt collection professional ID ( stated she does not have ), but did give company street address of XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This agency is threatening to remain a burden on my credit even though I am requesting to pay the debt in full because I won't give them " cash. ''
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (CA)

My son leased an apartment from XXXX XXXX in XXXX XXXX, California on XX/XX/XXXX. A few months after moving in he found out that the apartment is full of bugs. He notified the management and during the next 2-3 months the management sprayed the apartment on four separate occasions, but they could not get rid of the bugs infestation. The bugs would be everywhere. He had to remove all the dishes and food from the kitchen cabinets and kitchen area and he could not sleep at the apartment since the bugs were growling on his bed during the night. He stoped sleeping in the unit around XX/XX/XXXX. We met with three members of the management company at the end of XXXX and since they could not resolve the issue with the bugs and the apartment was not in livable condition my son was released from his lease agreement. We agreed to pay the rent for the month of XXXX as FULL AND FINAL PAYMENT. My son paid close to {$1400.00} rent and they also kept his deposit of {$250.00}. ( Total of {$1600.00} for not using the place for more than six weeks ). 
To our surprise a few weeks after he paid the final payment he got another bill for {$100.00}. We called the manger and explained this was incorrect and there is no balance due. We asked that this mistake will be corrected but instead of helping us, this balance was transferred to XXXX XXXX XXXX XXXX. Our attempts to tell Hunter Warfield that there in no balance due fell on empty ears. 
We believe that this is harrasament. We would like XXXX to correct their records and honor their agreement with us from XX/XX/XXXX. Per agreement this account was paid in full. We also would like XXXX to instruct Hunter Warfield to close their account and to make sure that none of the credit agencies show that this account was ever in collection.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a collection on my account that I never received a notice for. This was put onto my credit without any warning and I only found out about it when I had my credit pulled. I went ahead and paid it and now I need the collection to be removed. They violated my 30 day right to dispute and this collection is now paid and I'd like it taken off credit.