davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX  XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$530.00} XXXX XXXX {$100.00} XXXX   XXXX XXXX {$650.00} EQUFAX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$23000.00} XXXX   XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$2300.00}
Consumer complaint received 2020-08-28
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

We have Citibank credit and make payments online with my bank bill payer. Until XX/XX/XXXX payments are posted in our Citibank account in 1 - 2 days, and debited simultaneously from our bank account. 

In XXXX our payment did not post for two weeks! We were concerned about late payment fees. Our bank confirmed payment was sent on their part. Followed up with Citibank and they verified no payment was received. We then made a duplicate and asked the service representative to return the check payment when the first payment was posted. CitiBank later returned our duplicate payment after it was posted on their end. 

On XX/XX/XXXX we posted payment to Citibank and after a week, contacted Citi as the payment was again not debited from our bank account. Citi confirmed no payment was yet received and gave the option to make payment over the phone which would be posted immediately. We declined to make another duplicate payment. 

We reached out to our bank XX/XX/XXXX as payment still was not debited. Our Bank confirmed our payment was sent the delay is on Citibank in posting payment. 
We followed up Citibank XX/XX/XXXX and asked what had changed since payments were credited in 1-2 days. The representative informed that starting XX/XX/XXXX, Citibank no longer accepts or posts electronic payments from any bank. Online bank Bill Payer payments are only accepted as a check so the payments are mailed by our bank. 
We shared the payment was sent XX/XX/XXXX and for mail check payments it was now 3 weeks later. Representative rechecked for payment and verified no payment was received as of XX/XX/XXXX. 

As of XX/XX/XXXX our payment has not been credited. It is poor customer service at for Citibank to suddenly discontinue electronic payment receipt from online banking without notifying customers. Citibank failed to staff up in their payment processing department for the mail checks they knew would increase as a result of discontinuing electronic billpayer payments. 

Citibank please accept online banking ELECTRONIC bill payer payments that so many customers use. 

We pay all our bills on time and understand delays due to mail increase during the holidays. Citibank now invites us to call them and make payments over the phone. Please assist us in getting our initial payment posted. 

Citibank rejection of banks electronic bill payer payments forces banks to mail checks out, and they do not have the staffing which delays posting payments. To our knowledge the major credit card companies including XXXX, XXXX, XXXX, and XXXX XXXX, accepts electronic funds transfer from banks bill payer systems. 

Citibank increase interest fees as daily credit balances increase with their delay in posting payments and in discontinuing electronic bill payments from banks. Thank you.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

To Whom it may concern i seriously need your help, my bank wells fargo is forcing me to pay to a merchant that doesnt even have a creditor, yet this place where is bought the phone off of XXXX the seller is like mer child that doesn't understand what you say, see on XX/XX/XXXX bought a phone off XXXX for {$160.00} off this seller called ( never-msrp ) then i cancelled it and got my money but still got the phone and XXXX  still got the payment but the seller send a letter to my bank Wells Fargo saying he didn't get the payment and if forcing me to a place a company that doesn't exsit and that is permently closed, and if you think about if i was to pay back to this merchant where would the credit go to when there is no company, the street address is fake and scams all over the internet about this never-msrp, look it doesn't matter wether i got the item or not the bank say this merchant wants back money and will force it out of my bank by XXXX, does that sound right to you to give money back to a place that is permantly shut down has no real location and there is no creditor to this place it's absurd, the bank wont believe me that when i tell them i payed for it by XXXX  they keep conforming it with me and that on XXXX  system, i tell you this is insane i been calling all over here and there searching all over the internet for every possible way to find information on this ( never-msrp ) and all it say is ( permantly shut down ) by the street address it came from yes i remember the street address it came from after i opened it, but tell me are you really gon na make me pay to a place that a scam has no creditor or corproate and a fraud?, and i have proof, but my bank is at a - {$150.00} negative and i you to tell the bank i refuse to pay to a place that doesn't have a creditor, it doesn't matter weither i got the item or got back my money from the bank what matters is this merchant is trying to get money off me that i already paid says XXXX, then the bank is sending me here or there trying to resolve this with useless information, please help me i need this resolve before XXXX before my next SSI check because the bank will take right out and give it to this fraud are you really gon na allow that?, and i am running out of time to resolve this, please i am begging you to help, tell the wells fargo claim department i am not playing back to a fraud place and XXXX is investing it, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX is a fake address it say it right here on XXXX exactly to the match of this never-msrp, i need your help please there isnt much time for my bank before i recive my next SSi check and i need that whole amount {$950.00} for XXXX, don't let this fraud steal my money or let the bank force me return money to fraud, this is injustice to let this seller get away with money and not even a company, and yet it legal on XXXX when i am trying to shut it down from selling, this can't be law or logical, you can not allow this go on sir or madam.
Consumer complaint received 2020-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

Navient has a practice of stating a loan is past due on the due date. This practice results in the next monthly payment being added to the amount due and records the " on time '' payment a day later, as if it was late. This also cause confusion and anxiety when you knowingly pay your bills early or on the due date and you open the website to find that it says you are past due and owe double. For example, I have 2 loans due on the XXXX of the month, and if I enter to pay on the XXXX of the month ( I do this before noon so there is no doubt that it was early enough to not be the end of a business day and to account for different time zones ), my statement says my loans are past due and the amount due is double. Further, when I make the payment, it posts the payment the next day, as if I was late making the payment. If a payment is due on the XXXX and paid on the XXXX, it is not and can not be a late payment. If a payment is due on the XXXX, it can not be late until the XXXX. I have reached out to Navient and asked them to stop this practice as it is deceitful and anxiety causing. Navient 's response was to say the payment and posting of the payment must be on the XXXX. Navient decides when the posting happens, in spite of making the payment early on the XXXX ( before noon ). Navient 's response does not address why the live website states the payment is late on the day it is due. And, even if paid on the due date, the payment will not post until Navient decides to post it. Therefore, even if a borrower pays on the due date, Navient will post on a different date, which gives the appearance of the payment being late. Also, stating that a payment is late on the due date and showing the current and next month 's payments as " Due '' results in many borrows believing they owe double for the month.
Consumer complaint received 2020-10-28
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$14000.00} XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$7000.00}
Consumer complaint received 2021-10-06
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

PayPal limited my account from sending or receiving funds on XX/XX/2020. They never sent me any notification as to why my account was limited. I reached out to several customer service agents within their company which they didn't tell me a reason why. I logged in to my account with a notification that stated my account balance of {$1800.00} will be held 180 days and then released to me after. On XX/XX/XXXX I received notification from PayPal that someone logged in my account from an unrecognized device, which prompt me to login and change my password. Once i logged in I notice my balance was {$0.00} and it should have been {$1800.00}. PayPal took my balance without notifying me as to why. I called them 3 days in a row and waited over 3 hours on hold just to speak to someone and they told my I violated their agreement but couldn't tell my how or didn't send documentation is to why. How can you take my money and not explain to my why and how? I asked the Agent for her id number and she wouldn't provide it. I asked for a Supervisor and both agent on 2 different days hung up on me. I also asked for coperate office information, email and phone number and i was told the only had an address. This company has created fraud on my account. they never asked my for any documentation to prove my business.
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (MD)

Hello, On XX/XX/, I received a notice from Gemini that all XXXX funds in their Gemini Earn program were to be frozen, due to the freezing of funds by XXXX, the third party company holding the funds on the Gemini Earn platform. This goes against Geminis claim that all Gemini Earn funds can be accessed in five days or less. This claim is a big reason I chose to place funds in Gemini Earn and now that they are not honoring it I would like to reclaim these funds and reinvest them elsewhere. 

I attempted to withdraw my funds ( consisting of approximately {$8000.00} in XXXX stable coin, XXXX XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX ) from my Earn wallet on XXXX XXXX XXXX Today, ten days later, XX/XX/XXXX, the transactions still say Pending and no funds have been withdrawn. I reached out to Gemini support yesterday and their response was that funds are still frozen due to XXXX freezing of their funds. While I understand this is an inconvenience, I still would like my money back, which I purchased on their platform and placed into the Gemini Earn program. They marketed it as a safe Gemini product and they need to return my money no matter what happens with XXXX. 

I look forward to hearing back and I hope that Gemini makes this right ASAP. 

Thanks for the help.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/year>, I closed my account with Synchrony.com ( XXXX, Acct # : XXXX ). However, many years earlier I had set up automatic payments from my XXXX XXXXXXXX XXXX ( XXXX ) to Synchrony Bank to make the monthly payments. After I paid off the balance of {$1100.00} with Synchrony, my XXXX sent them an auto payment of {$97.00}. 

I spoke with Synchrony Bank on multiple occasions with XXXX on XX/XX/XXXX ; with XXXX on XX/XX/XXXX ; and with XXXX ( XXXX ) on XX/XX/XXXX, each time asking them to refund the excess {$97.00} they received. Each time they said they would send me a check and I needed to wait XXXX weeks to receive the check but I never received the check even though I have received other mail from them including an account statement, so they have my correct address. 

I suspect that because I closed the account, they are refusing to refund the credit balance. I just need them to refund the excess {$97.00} that I paid to the account.
Consumer complaint received 2022-06-24
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. (GA)

This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.
Consumer complaint received 2020-12-06
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-10-28
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. (FL)

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies Credit Score Variance : XXXXXXXX XXXX XXXXXXXX ( {$56000.00} difference ) Total Accounts : XXXX vs XXXX ( XXXX account difference ) Derogatory Marks : XXXX XXXX XXXX XXXX XXXXXXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms XXXX XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX XXXX XXXX ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXXXXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary XXXX. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given XXXX days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXXXXXX XXXX XXXXXX/XX/XXXX CFPB Complaint Number # XXXXXXXX XXXX XXXXXX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused
Consumer complaint received 2023-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (PA)

On XX/XX/23 I went to my local branch M & T to get a medallion stamp. The branchs Manager questioned the form when its a Fiscal Form from the Treasury. This particular Branch has been known for discriminatory behavior, Lying to their customers about only notarizing statements because their not familiar with the customer. The unprofessionalism and discrimination will not be tolerated at this Branch. This particular form the manager stated she has to check with her legal team as she can not sign on behalf of the bank when the Bank is the Trustee! It was explained the nature of the form and she shouldnt be questioning me about it when it clearly states the purpose of the form. The last page just asks for a stamp. The manager had no issue with stamping any of my other forms except this one! As the Trustee of said Bank its her duty to fulfill its obligations and leave her personal discretion out of business. The staff at this location displays unprofessional behavior when customers of color enter the branch! Notarys are only to identify the persons signature as well on the Fiscal Forms! Its contents unless otherwise specified the notary shouldnt read due to privacy. These practices will not be tolerated by its customers who is making money for this institution!