davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I'm having an issue with Venmo, I recently had a small payment sent to me for just {$25.00}. Not a lot of money and I understand that, but when I logged into Venmo I noticed that there were some older cards shown as payment methods that don't exist any longer and the accounts have been closed. I removed those older cards and when I attempted to transfer the funds out of my account I was shown an error message. I reached out to Venmo to determine why there was an issue with the account. I was informed that the account was frozen and I needed to send my ID and a current statement or picture of the card I want to use for the account. I did this, today I was informed that I had to provide the same information for the older cards. I informed them that I don't have those cards or accounts any longer, I simply want them removed and the account usable again. Their response was that I have to send that information. I responded that I want the account closed and the funds returned. They have now said they won't close the account or return the funds until those documents and cards are sent in.
Consumer complaint received 2022-06-14
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 (FL)

Back in XX/XX/XXXX, i when to XXXX to purchase a shoes for me and my fianc for her birthday. I first went on the website to schedule an appointment. Once I got to the XXXX store in XXXX XXXX XXXX XXXX I was greeted by the hostess. We went inside and looked around before choosing a shoes. After we chose the shoes I asked for a size 9, the lady told me get a size 8 because XXXX shoes run big, Ive never worn or purchased a XXXX shoes so I took her suggestions. We cashed out and i drove straight home. When I got home, I tried on the shoes with a pair of socks then I can feel my little toes getting a strangled and they started hurting. The shoes was extremely tight and uncomfortable. I put them back in the box and took them back to the store the next day ( XX/XX/XXXX ). When I got to the store, I wasnt greeted and people that was there the day before was not the same people. Some seems strange. Anyways, I walk over to the cashier and told the gentleman that I would like to return these shoes because they do not fit and its uncomfortable. He looked at me in a scornful way and said because of XXXX policy, we cant accept them back. For a second I thought he was joking. So I hand him the shoes and he said we cant accept that. I started getting extremely frustrated and angry because that sounds like a bag of XXXX. I told him that if hes not going to take the shoes that I will dispute the items with my bank. He said go ahead with a rude attitude. While I was in the store I contacted APPLE CARD and explained the whole situation and they initiated a dispute. The dispute was resolved in the merchant favor and they did not provide any information regarding my interaction with XXXX and what happen in store when I tried to return the shoes. Every month since XX/XX/XXXX, APPLE just keep on initiating a dispute which always come back in favor of the merchant. This has cost me anxiety and stress. Im losing sleep because of this. The last dispute was initiated back in XX/XX/XXXX. Again, Apple in favor of merchant. Apple asking for me that they need A second opinion from a qualified third party of the quality of the work performed by the merchant. For example, a qualified third party can be an independent autobody shop evaluating the work performed by a dealership mechanic what does this have to do with a dispute with XXXX.
Consumer complaint received 2022-07-21
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: Kikoff Inc. (FL)

ATTN : XXXX XXXX CEO of KIKOFF LENDING , LLC has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by KIKOFF LENDING , LLC before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or KIKOFF LENDING , LLC to furnish any late payments to my consumer report. It is my belief that due to KIKOFF LENDING , LLC business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NY)

On the early morning of XX/XX/XXXX I had my phone and wallet stolen. The person who had stolen it, used my credit and bank cards to spend throughout various places in XXXX and the XXXX. I immediately reported all of my items lost to the respective companies and reported all fraudulent charges as soon as possible ( roughly between XXXX XXXX  on XX/XX/XXXX ). 

My credit card companies immediately refunded the money spent fraudulently and conducted their own investigations. However, AXOS Bank who manages my checking account claimed I would be protected but after XXXX XXXX, I have had my claim for {$1600.00} rejected twice. Upon asking why this was the case and if i could have documentation, they have sent me to multiple different customer service representatives who were unaware of the situation. Further when I was finally able to speak to a supervisor, she told me the claim was denied " due to investigations made by upper management. '' I am now over XXXX XXXX  since the initial investigation was conducted and denied and still have not been given any information as to why.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Had a substantial minimum payment due on credit card. Went and made the payment, unaware that even though I'd made the payment they would still try to debit the automatic minimum payment due regardless of whether it had been paid yet or not. Because that amount was more than what was in my checking account ( again I'd already paid that amount ), that bounced and I got charged {$29.00} by the credit card company for the bounce and {$34.00} by the bank ( same company as credit card - Citi ). I called and talked to them so I understood and I could deal with that. However when on that call the CSR did NOT tell me that the minimum payment would try to be put through again automatically. It did and I got dinged another {$29.00} and XXXX $ ( now up to {$120.00} ). I called to complain about that, could not get through, went on chat and compained there, no one responded, but I did see a {$34.00} credit on my bank account Then again today I get another message that said the minimum amount ( it's over {$2000.00} ) was tried to be put through AGAIN. And voila another {$34.00} charge on my bank account. I don't know when this will stop. Tried again to get through via chat ( which is what they are recommending ) and it won't connect. The idea that a minimum automatic minimum payment will be put through EVEN IF THE MINIMUM PAYMENT HAS ALREADY BEEN PAID is suspect and it occurs to me is designed to generate more fees for the company unnecessarily and at consumers ' expense. I could turn off the automatic payment and then that could generate late fees for them. I have other cards that don't do it this way - they only take the automatic minimum payment if there is any amount left due on the minimum payment, otherwise they don't take anything.
Consumer complaint received 2022-12-14
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. (CA)

Equifax had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX
Consumer complaint received 2022-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

I have applied multiple times for an income-driven repayment plan. I was previously on an income-based plan and was moved to a graduated repayment plan. I am now being denied by my servicer, Nelnet, who is saying that the decision comes from the Department of Education. According to my master promissory note, if my loan is found to be ineligible for an IBR, then I have the ability to have my loan type changed to Direct. In addition, within my MPN, it states that as long as both parties within the joint consolidation loan are eligible for forgiveness, then we are eligible. We are both public school teachers and our employment has been verified. Nowhere in either the MPN nor the rules of PSLF, does it state that joint spousal consolidation loans can not be converted to Direct. I am looking for the specific language that states as much. In fact, my MPN states the opposite, that we are both eligible and can receive forgiveness, AND that we can change our loan type since we were found ineligible for IBR.
Consumer complaint received 2022-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

On XX/XX/2022, I purchased an item from a seller on XXXX. On XX/XX/XXXX, It was delivered to my address. I took the item to the XXXX. The XXXX  notified me that the item did not fit my vehicle. I then contacted the seller on XXXX. The seller on XXXX initially was not responding to me. I then requested from XXXX to send me a return shipping label. The label sent to me via email was incorrect. I then purchased my own shipping label from XXXX. The seller on XXXX signed for the package in agreement that he received the item back. I filed a dispute with my bank for merchandise returned. My claim was denied over 10 times. Ive sent in receipts, invoices, tracking numbers and messages and my claim remains denied. I have since then tried to contact XXXX for a refund. They denied my refund as well due to their policy of opening a claim outside of XXXX. Chime has denied my claim several times. My bank stated that they needed an order number. That order number was provided to them and my claim remained denied. I found the sellers personal information online and contacted him. He agreed to do a refund but XXXX is preventing him from doing such.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TaxServ, LLC (CT)

TaxServ has reached out numerous times regarding a proposed debt owed for two ( 2 ) motor vehicles to the city of XXXX CT. On each occasion I email them back informing that the bills are not valid, I did not live in XXXX at that time and one of the vehicles was purchased and registered in XXXX ( tax bill attached ), the other disposed of years prior and plate turned into the dmv . Each time there has been no response, please help.
Consumer complaint received 2020-05-19
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. (MO)

My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?
Consumer complaint received 2020-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of fraud. XXXX set up service at a location I lived at 14 years ago. They apparently did not ask for proof of identity. So today I find myself with problems because XXXX allowed me to become a victim of fraud. 

On or around XX/XX/XXXX, I received an email notice regarding a change in my credit report. I found that fraud has occurred and a derogatory item placed on my credit report.. After hours and hours and a few days, I discovered the charge was for XXXX. The only way I have discovered the facts of this case was actually through XXXX XXXX who placed this on my credit report on behalf of XXXX. ( XXXX ) and this is what I learned through XXXX XXXX AFTER filing a fraud complaint with XXXX as well as all 3 credit bureaus. 

I had a previous address of XXXX XXXX XXXX XXXX XXXX, XXXX, Tx. I moved from there, to XXXX XXXX, TX and I have not lived in XXXX since XXXX. That is currently 14 years ago.Someone moved into my previous address and connected XXXX in my name. The date of the fraud occurrence was XX/XX/XXXX. As I stated, I have not lived in XXXX since XXXX. XXXX set this up for someone without any proof of identity, and, they set it up under my name. I fault XXXX for inadequate procedures requiring proof of identification. 

Today, per instructions from XXXX, I contacted the police department in XXXX to file notice of fraud. I am also waiting for a fraud packet from XXXX. 

TransUnion has now notified me that my claim was denied and found to be valid. This is wrong. It is absolutely NOT valid as it is NOT my debt. It has taken me hours and hours to investigate this issue on my own. Had it not been for the info I received from XXXX XXXX, I would still be in the total dark over this issue. 

My credit score has fallen 43 point due to this action. This is not my debt and it is absolutely wrong to expect me to pay {$690.00} on behalf of a thief who has stolen my identity. Again, I state that I was not living there in XXXX, having moved in XXXX. I keep a close eye on my credit. I know who and what I owe at all times. 

The right outcome is to remove this from my credit report. This is the right thing to do. 

I remain hopeful that someone somewhere will help me with the correct resolution. This is not my debt. 

Thank you.
Consumer complaint received 2022-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (MA)

Citi submitted a triple diverse accounting statement in the same month for my credit card. They failed to respond or to solve their derelict accounting, which destroyed my confidence in their actuarial system. Subsequently, I received threatening form letters, similar to a collection agency 's, which in the course of events were substituted by form letters insinuating that I was impoverished and could go on a payment plan of their devising. They continued by assessing ( exorbitant ) late fees. In the course of time I discovered that they had badly damaged my credit rating -- without an explanation to myself or the credit card charge recipient. 

I have since written to XXXX and XXXX XXXX  agencies, complaining of Citibank 's high-handed tactics and irresponsible errors. In the interim, Citibank has failed to phone me to discuss the matter of their negligence. Given their behavior, I am ready to file suit to finally get their attention. 

Their example is egregious.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Paypal Holdings, Inc (CT)

It all started when i received word from XXXX XXXX, my credit monitoring company that the XXXX XXXX XXXX ( XXXX  ) had pulled my XXXX  report on XX/XX/20 regarding an application submitted fraudulently in my name for the XXXX loan. I called the XXXX that same day and reported the application as fraud. Today, XX/XX/20 i received a debit card from Paypal to provide a way to deposit funds for government assistance. To me the two are related. I attempted to call Paypal to get the account closed but i am getting redirected to their website as they seem unable to take calls regarding this matter. When i go to Paypal 's website i am being told the only way i can submit a form for them to contact me to close this account and address this matter is by logging in to my paypal account, which, i don't have. I refuse to make an account for this matter as i don't want to further incriminate myself. I need help with getting this debit card closed, i do not want it and do not take responsibility for any funds associated.