davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (CA)

My account was placed in restricted status on XX/XX/XXXX because I apparenty had to verify ownership of an external account I tried to add. I can not make any deposits or withdrawals from the account, yet the bank only claimed that " Any transfers scheduled from the account ( s ) listed above have been canceled until our verification process is complete '' which does not say that my account would be restricted. There is no reason why my entire account should be locked just because I tried to add an external account. I submitted documents showing I owned the external account on XX/XX/XXXX. The bank has refused to currently unlock my account despite repeated calls.
Consumer complaint received 2021-12-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (FL)

I obtained a loan for 0 % interest in XX/XX/2020 for 1650dollars for 12months and payed it off in 8 months. I sent in finance charges monthly for 8 months. The loan was 0 % .The company changed the amount to {$1800.00} after I sent them 1650.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

Hello to all. I have screenshots and emails from company Wells fargo continuously over drafting my account. Charging my card multiple time in the same week/month. Me calling complaining to the point of me just giving up try with well fargo. Multiple times my account was frozen and blocked multiple times i had to receive a new debit card because the company kept over drafting my card. They kept overdrafting so much that i just didnt use the card anymore after calling and wells fargo closed my account and access to the mobile app.
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

On XX/XX/XXXX around XXXX I got several email from XXXX asking if I changed my password. Before I could open the email I lost phone service. Seeing as I was at home I got on my wifi and the emails that came in stated that my XXXX password has been changed. Th next emails I got were from coinbase saying someone had accessed my account from a windows 10 device. Seeing as I was at home I tried calling coinbase from my wife 's phone to put a block on my account ; I could not reach a rep and waited on hold for 1 hour and 30 mins. I went to a XXXX store that was still open and explained to the representative that somehow my phone lost service and that someone was changing my passwords. The rep was able to verify my identity and change my SIM card back to my phone. Within the hour my coinbase account was hacked and all my money was stolen from my account. Even though I called coinbase in time they are not trying to refund me any of my money and are even trying to tell me that I owe them money when they have confirmed that I did not authorize or make any of these transactions. My whole life saving was in my coinbase account and they are telling me they can't do anything.
Consumer complaint received 2021-10-16
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: GOLDMAN SACHS BANK USA (NY)

Apple Card by Goldman Sachs has problems with supporting their system while protecting confidential information. I spent 1.5 hours speaking with multiple reps and supervisors about a charge for an online purchase by a family member that was rejected ( for security, I guess ) and I couldn't see nor could I fix even after they apparently approved the charge. After any hour of chat in which the agent didn't respond for more than 10-15 minutes at a time and never responded, I eventually asked for a supervisor. The supervisor then told me to call XXXX for technical support and then disconnected my chat. But of course, XXXX should never have access to my private financial information, so I objected but had to call Goldman 's customer service line since they disconnected the discussion. Despite talking with multiple supervisors, at the end of the XXXX hours, Gloldman Sach 's only customer tech options were to contact XXXX. This is crazy as XXXX should not be reviewing individual financial transactions in the Wallet nor should I have to share my confidential financial information with XXXX to get technical support. Hard to understand with such large financial services companies. While the charge eventually appeared the next day, no one has contacted me to explain or help so I can even figure out how to avoid the problem in the future. But sending me for customer service to an outside company and need to disclose confidential information seems more than inappropriate. If Goldman Sachs is offering the credit card, they should provide necessary support to protect my confidentiality.
Consumer complaint received 2021-10-16
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. (NC)

So XXXX/EQ both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.
Consumer complaint received 2021-12-24
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. (TN)

A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted Equifax to dispute it. Equifax sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (NY)

I applied and got approved for an unsecured loan from Affirm on XX/XX/2022 for the amount of {$390.00} with a 12 month term. This Loan has been paid in full on XX/XX/2022. On XX/XX/2022 I received my credit report and Affirm is still reporting an open loan which is inaccurate, Affirm is also reporting an inaccurate balance, and Affirm reported that the balance increased by {$3.00} which is also inaccurate because the loan is paid in full. When I spoke to a customer service representative the only solution that was presented to me was a verification letter that the loan was paid. The Affirm customer service representative suggested I dispute my account with the credit bureaus and send this letter of verification to prove the loan was paid off. The account has already been under dispute and affirm has not responded or updated any information with the credit bureaus.
Consumer complaint received 2018-01-13
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. (MO)

I have been disputing accounts that are not accurate on my credit reports. Not only was I a victim of fraud many accounts where opened in my name. I asked XXXX to remove a Public record reported in error they verified then removed it placed it back on my credit without notice. I called the bankruptcy courts & public records they advised me they do n't report to the credit so they did n't place it on there. I also asked then to remove all inquiries that did n't have accounts attached to them due to the stolen identity no changes. I also have addresses I have never lived at on my report. They have also deleted accounts & placed them back on the credit reports again.
Consumer complaint received 2022-07-05
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. (NC)

I sent a dispute letter to Equifax on XX/XX/2022 asking to provide my signature authorizing these inquires. Never heard anything. yesterday I disputed online with Equifax only to receive an email this morning stating that they have all been verified. The credit bureau was closed yesterday as well as all the businesses that I inquired about. Impossible to verify. I call the bureau this morning, supervisor stated that they never received my letter, and that I must call each and every one of those companies that reported to the bureau. I currently have a job with no time to do that. I'm under the impression that was their job as they are the entity that placed this information on my report. Extremely frustrated!!
Consumer complaint received 2018-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KY)

I had been in repayment with Sallie Mae/Navient for over 15 years. i needed reduction of payments, but i also wanted to pay pff principle. Over the course of 7 years, my principle never went down until an associate finally understood what I wanted. I did not have help from my family or parents on finances, and was ill informed and given repayment options that did not meet my needs. I would have never taken out that much money if I knew I to use the option to repay, nor would I have chosed anything that gave me capitized intreest charges. How can a company get away with students not paying down the princiaple for over 10 years??? that shoudl be illiegal.
Consumer complaint received 2021-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NC)

My account has recently been closed due to inactivity. It is XX/XX/2021, I have owned a chase account for more than a year and would always have my school and work checks deposited into the account. Recently I have started up a business which calls for me to take money via XXXX app so most of the time I just let my money sit in there. On XX/XX/XXXX, I was hired by a company that would have required me to have a direct deposit account on file. I logged in and at that time was able to retrieve my account as well as my routing number. On XX/XX/XXXX, I tried to login my account once again to check the balance and see if my check had hit early before XXXX. When I logged in it showed that I no longer had any account with the company. Therefore I called to see if the problem could be an easy fix. Not only was I hit with rudeness and negligence but flat out just being lazy. I begged and pleaded with a manager to try and help me because without this expected money I will not be able to purchase gifts for my XXXX XXXX XXXX daughters FIRST XXXX. At that point, I was given the option of going into a branch but that is not possible as of right now for me. Chase intends to steal my money.
Consumer complaint received 2019-06-23
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. (WA)

I tried to freeze and order my credit score, credit report, and correct the many errors. 

I could not complete the transaction to protect my credit, I have experienced identity theft and charges to my bank. Why do these agencies make billions selling lies about consumers. 

Why are insurance companies allowed to use a credit score that fluctuates like the wind blows for pricing insurance? 

Why did the government allow banks and insurance to merge causing the 1998 crash of the economy and what are you doing about it now. 

XXXX XXXX company allowed me the make payment arrangements, I paid before the due date promised. I still was turned over to collection agency affecting my credit. I want them to remove it and write me a letter confirming the removal from all 3 ( or ALL ) unfair credit reporting agencies. 

The credit reporting agencies are reporting debts that are over the allowed time period on my reports. 

I was denied HOUSING because of their unfair reporting practices. 

I am XXXX and a XXXX XXXX that demands a government to protect me from credit agencies, insurance practices, real estate INFLATION, and banks.
Consumer complaint received 2022-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (CO)

On XX/XX/XXXX I disputed and denied a {$52.00} debt claim referenced XXXX dated XX/XX/XXXX originally in the amount of {$4.00} plus {$1.00} added fees and incurred on XXXX XXXX, XXXX. I provided the debt collector evidence that the original amount of {$5.00} was paid in full on XX/XX/XXXX. The information was transmitted by Email to collection Attorney XXXX XXXX at XXXX. She Email confirmed her receipt of my response at XXXX. I also mailed my response to the collection company via XXXX mail. 

On XXXX XXXX, XXXX I received a " SECOND NOTICE '' from the collector purporting that I " ... failed to respond to our correspondence and we are assuming that this debt is valid. ''
Consumer complaint received 2021-12-25
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. (TN)

Had XXXX XXXX  put the same account on my report XXXX separate times at the same time for XXXX account. I called them and paid what the XXXX company didnt back in 2019. XXXX and XXXX took it right off. Eqifax refuses to and the last time told me to call the police and file charges. What that isnt possible when its not a fraudulent item. They now have an account showing late that was paid in full XX/XX/XXXX and refinanced with never having a late payment. Eqifax says I missed my XXXX payment and I had already made a payment to the new creditor in XXXX.
Consumer complaint received 2018-10-03
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. (TX)

Equifax.l not reporting credit balances in a timely manner, called on XX/XX/XXXX to get help and XXXX XXXX Resolution supervisor on XX/XX/XXXX, XXXX wasnt helpful and put me on hold for over 10 minutes! Im still on hold AS I FILE THIS COMPLAINT. He kept blaming the cc company on not reporting my balances when thats incorrect. We have this issue every month!
Consumer complaint received 2018-10-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I turned in a complaint on XX/XX/2018 about Wells Fargo foreclosing on my parents home. I know they say it could take up to 60 days. My mom signed the third party paper for them to talk to me about this. I have talked to XXXX twice now and when I ask question he has no answer he says. I get letters in the mail that he needs more time. I dont know if he is really working on our case. I feel he is prolonging this so I dont hire an attorney. I have questions of why Im next of kin when my dad passed and I was never notified and why the VA took my dads name off the loan? When I called the VA they had no record of my dad just my mom. Also want to know why no one served my mom even letters on the door or served her or anything and its been a month in a half. Again I feel we are getting the run around. Also want to know what happened to the difference in monies that was made off there house when Wells Fargo sold it XXXX and some change. Thats the problem with this hole issue. I know I put the name XXXX in my last complaint but actually it was XXXX that I dealt with. I think its time to go public and get a hold of AG of US to get some answers. I have been very patient with Wells Fargo and Im tired of this. They dont take their time to put a XXXX year old woman on the street. I think this is wrong and discrimination and I want some answers. I will also be getting a hold of the CEO of mortgages at Wells Fargo and the news. Thank you for your time and I hope to hear back soon.
Consumer complaint received 2021-10-16
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. (NV)

To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definiton of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''. Notice congess said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Sworn : XX/XX/2021 Signed : XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-06-23
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. (AZ)

I keep getting credit file confirmations that state the information [ wrong address ] was removed but it is still showing up on my credit report. I have requested that the information be removed over five times. It still shows up on my report. I never lived at that address. My Ex-husband lived their with his girlfriend.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I typed one letter informative letter dated XX/XX/XXXX about the incorrect information they have been providing on my credit report. Also I sent proper documents verifying who I am, and dispute form with the false information ( addresses, phone, numbers, name ). Along with follow letters, and phone calls up to now. The year is XX/XX/XXXX and the same incorrect personal information still remains.
Consumer complaint received 2021-12-24
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)

XX/XX/2021, Equifax. I have attached my most resent consumer credit report. I have disputed the account named XXXX XXXX XXXX  XXXX twice with Equifax. It has come back as verified. The fair credit report act 15 U.S code 1681 states that a consumer credit report must be accurate. There are two inaccuracies that I have noticed. First this is a charge off account that shows a BALANCE of {$100.00} dollars. A CHARGE OFF ACCOUNT MUST SHOW AS A ZERO BALANCE. Second inaccuracy is this account is not leaked to any address that I have used in the past. Delete this account immediately.
Consumer complaint received 2021-12-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (TX)

I am XXXX XXXX, natural person/Consumer in fact and I have been denied a line of credit for a automobile loan with Chase bank XXXX I applied along with my spouse XXXX XXXX to upgrade our current vehicle to a larger vehicle. the denied of credit is considered an " adverse action '' pursuant to 15 USC 1681a ( k ) ( 1 ) which is a violation of my federally protected consumer rights. The term credit means " the RIGHT granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment '' pursuant to 15 USC 1602f. Chase has denied me my RIGHT and also made an inquiry on my consumer report that lowered my overal credit rating without providing an actual line of credit I have a right to, thus creating an adverse action.
Consumer complaint received 2021-12-24
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. (DE)

I am writing and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.