davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

I wished to make a wire transfer of funds from my Citibank account to a XXXX XXXX I had already wire transferred the same amount to the same bank on XXXX XX/XX/XXXX. I tried and failed to use the Citibank automated system to make this transfer on XX/XX/XXXX and XXXX. I called Citibank on XX/XX/XXXX and XXXX and for several hours tried to make the transfer. Failing, I asked to speak to the manager. I explained the problem to him. He had no suggestions. We tried the way we tried before and I was connected to a wrong number and cut off. I called again and failed again. This is why I am writing now. Everything works perfectly in the transfer until I am asked to identify myself by entering a code number sent by Citibank. I have a cell phone registered with Citibank, but the code never comes over the cell. I have a phone which does ring but the code never comes over. When I call Citi I am connected to an automated system, but the code almost never comes over. When it does and I enter it, I always get the answer " we are having technical problems, please try later. '' I have been making this sort of transfer for years using Citi ; sometimes it takes more than one try, but I've never had a problem like this. I hope you will ask Citi to review their overseas wire transfers system, and especially with XXXX. Thank you.
Consumer complaint received 2022-03-12
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. (CA)

i have been writing all 3 bureaus, about accts and inaccuracies, in my credit file. There is a account, XXXX XXXX XXXX # XXXX, they are reporting, 3 different negative late payments, i have written them several times, and they still continue, to keep this in my reporting even though it is inaccurate reporting. They are supposed to be a independent agencies, why do they keep doing negative things to the consumer file. i am a single woman, trying to raise a child, the law is clear inaccurate or incomplete, listings have to be deleted, its costing me time and money to try and get something so simple, how do they have so much control over our lives. XXXX, XXXX and EQUIFAX all are still reporting such.
Consumer complaint received 2022-08-03
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (NY)

It was recently reported on my account that I had a derogatory account with Eastern Connecticut Account. I have never received anything regarding a missing payment to my New York address. This is regarding an XXXX XXXX payment for XXXX dollars. This was a charge from XX/XX/XXXX, I had XXXX XXXX XXXX XXXX XXXX at the time as I was under my father’s insurance. 	I received a few phone calls in XX/XX/XXXX from *XXXX Fraud Alert #*, I obviously did not answer. I had a voicemail saying to please call and confirm a social security number. I XXXX Eastern Connecticut and saw extremely negative reviews. My concern regarding giving them my personal information only began to grow. When I called back I instructed the representative that they showed up on my phone as fraud. Then the representative began to instruct me on an XXXX XXXX debt. I asked from when was this from, they said XX/XX/XXXX. I asked her if XXXX XXXX put my insurance in. XXXX XXXX XXXX XXXX XXXX in and out of state number. I know that my insurance would have went through, as I had XXXX XXXX XXXX and had numerous bills that were all covered. I instructed her to reach out to the XXXX XXXX and try to submit the claim or call me back if there were any issues. I didn’t feel comfortable just making a payment to this organization, especially after the reviews and the type of infection I had during that time. When the organization never called me back, I assumed that the XXXX XXXX had taken care of it.	After I got an update from my XXXX  app on a negative report to my score, I saw it was Eastern Connecticut. I immediately called Eastern Connecticut, and left numerous Voice Mail Messages. I had one representative hang up on me multiple times, when I was trying to explain I don’t live in Connecticut. After finally getting through to one representative, I finally paid the XXXX dollars. I asked if they could send a report to your company saying they didn’t have my address and the person laughed at me over the phone. He said, “Why would I help your credit score”. He said, having a phone number is sufficient enough to report someone as a derogatory account. 	This organization is taking advantage of people and I don’t want my credit report to be negatively reflected by this. XXXX even reported their entity as fraud. I did pay this organization, however extremely reluctantly. I have attached a copy of the receipt. Please, if your organization can update my credit score and remove this derogatory account information. I have never missed a payment on any of my accounts. I have a number of student loans that I’m trying to pay off, and this negative credit score will hurt my future in receiving a lower interest rate.
Consumer complaint received 2023-03-13
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

XXXX XX/XX/2022, {$870.00} added {$25.00} making it XXXX. 

wanted to inquire about payoff amount, was told it would be a {$25.00} fee, declined. However the rep submitted it. I now have a {$25.00} fee attached to my payment. I have not paid yet. 

When I saw this I called in and was told a manager would contact me I had no such call. 

XXXX XX/XX/2022, I called in again, rep said that it should not have happened. Supervisor was to join us, but then was told I would be contacted in 24 to 48 hours. 

Still no contact from Nation Start, dba Mr. Cooper.
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (TX)

I am a victim of Identity theft. While traveling for business my wallet with my, drivers license, credit cards and social security card was stolen from a rental car. I filed a identity theft affidavit and police report. I sent it to Equifax 4 times. Spoke to two supervisors and faxed to one. My identification was used in an emergency room that I have never been to. 
All information was sent to the collection agency that never contacted me before having this put on my credit file. I contacted Equifax 5 times and asked for it to be deleted and blocked and I was told that it would be taken care of, however 4 days later it is still showing up on my credit file. I called and asked to speak with a supervisor on XX/XX/2019 3 times being transferred back and forward between the overseas agents and the American agents. Every time I have to call Equifax this is how I am serviced as a identity theft victim who has provided them with all documentation. I am also a victim of the Equifax breech. I remained on the line for 45 minutes while sending this waiting once again to speak to a supervisor. I contacted Equifax immediately when MYFICO sent me an alert that something had been added to my credit file on XX/XX/2019. An agent told me that on XX/XX/2019 that this collection of {$500.00} was deleted and blocked. As of today XX/XX/2019 it is still showing on MYFICO and XXXX XXXX
Consumer complaint received 2022-03-20
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. (KS)

Someone hacked into all 3 credit bureaus. Changed all contact information and applied for credit up to 13 times under hard inquiries. XXXX and XXXX XXXX corrected on phone call. Equifax needs a Presidential Signature to correct. Want me to fill out here, or make a police report. 
Address that is not mine XXXX XXXX XXXX ; XXXX XXXX, FL XXXX XX/XX/XXXX Hard Inquiries that are not me. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  ; XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-03-24
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-16
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

A client in XXXX sent Euro XXXX to my PAYPAL account and all of a sudden my account got limited. I can't access my funds or use my account. 

Transaction ID XXXX You can no longer use PayPal ( Ref ID - XXXX ) I can't access the funds in my account.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (MD)

Hunter Warfield has inaccuracies in the acct balance owed and the dates that the account was reported as well as the dates the account was last active. one credit report has the balance listed as {$1000.00} and the other two has it listed as {$1000.00} I can't owe two different amounts. It's reported as being opened on XX/XX/2020 and XX/XX/2020 which isn't possible. The debt was sold to Hunter Harfield and I no longer owe it.

15 us.code 1681e ( b ) Accuracy of report
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate 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 2022-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

This is a follow-up to the pervious claim submitted, complaint ID XXXX. To summarize the previous claim : I was scammed by a perpetrator on XXXX XXXX and lost {$2000.00}. Money transfer was made through XXXX ( Chase Bank ) and I had notified both Chase and local police department about the fraud on the same night ( XXXX ). Chase representative was uncooperative to attempt to resolve the matter, even when I had presented critical clues to potentially solve the case ( perpetrator 's alleged Chase bank information ) and visited in person. In fact, the representative immediately closed the case and complaint without my knowing. 

Chase Executive Office responded back to the previous claim, but without appropriately addressing the main issue -- uncooperative/unsupportive treatment by Chase representative XXXX I called the Executive office phone number listed under the response letter. I was notified that the officer in charge is out of office, so left a voicemail that I'd like to discuss the response when available ( XX/XX/2022 ). I got no call back after waiting for a week. I called again, notified that the officer is out of office, and left a same voicemail ( XX/XX/2022 ). I haven't heard back from them. This is not how a customer should be treated in such a serious situation ; being ignored, not taken seriously, only given a cursory response.
Consumer complaint received 2022-03-08
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (TX)

On XX/XX/2022 at XXXX. The company XXXX XXXX stole {$300.00} from my NetSpend XXXX account. I immediately called the bank and told them it was a fraudulent charge and to stop payment. Then proceeded to cancel my debit card and order a new one. The bank can't give me any info on the company that took my money other than it is a restaurant. No phone number, no address, no email etc. In order for me to contact them and resolve the issue. I can't find any info at all on the company either. Now it's been a week and a half and I've spoken to the bank almost everyday about this pending charge. They told me i have to wait until the charge for thru in order to file a dispute, and i have to wait 30 with it pending before returning my money. I think the bank is fraudulently using my money or stealing it. Every time i call I'm put thru a circle of the same " supervisors/mangers '' that are rude and don't want to allow me to talk to upper management at all. Then they either hang up on me or make me start all over from the automated phone system.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: KINGS CREDIT SERVICES (CA)

Currently in the process of refinancing my home due to tough times. I must have a collection deleted for the refinance. I paid a debt of {$64.00} to Kings Credit Services on XX/XX/2022. They sent me a deletion letter to give to my refinancing company in future tense. Which is correct because they report to the bureaus on the XXXX of each month but it wasn't accepted being that it hadn't happened yet. I then called back on XX/XX/2022 to have another deletion letter created to complete my refinance. Kings Credit Services then states they can not change the wording of the letters even though it is in the wrong tense as of this date. I spoke with XXXX XXXX and XXXX XXXX ( Supervisor ) says their lawyers can not make these changes. XXXX then refers me to contact XXXX, XXXX, and XXXX myself and get something in writing from them. That they can not change the wording of the letters even though they are in an incorrect tense. I do not understand how this can be right. Telling me to contact the credit bureaus to do their job. All I needed was a " will be '' on a letter to change to a " has been ''.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I was to receive a social security XXXX back pay check and the bank account information that was on my application was with my ex husband and closed/charged off. the social security office told me that since it was closed it would be rejected and bounce back to them then it would take a few more days but they would send me a paper check. 
My local branch would not except it so the XXXX  XXXX branch took it upon themselves to and when they did they force reopened the account and took the money they were owed then turned around and told me that their back office said standard practice was to send a check for the remaining amount of money to the primary account holder. So they took my Government XXXX check took all my information that it came in off and sent it to my ex husband at an address that was never even on the account. They also told me they didn't know where the transfer came from because it only had my social security number on it and that's a lie I have a print out from my branch and it says SSA TREAS XXXX XXXXSOC SEC XXXXthe last 4 numbers of my social security number then SSA. I tried talking to the Assistant MGR her name was XXXX XXXX and the Branch MGR XXXX XXXX they told me it was my responsibility to get my ex husband to give it to me willingly??? 
XXXX XXXX XXXX XXXX XXXXt. XXXX Pa branch phone number XXXX XXXX email XXXX XXXX
Consumer complaint received 2022-03-20
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. (VA)

I have been trying to dispute 2 fraudulent accounts on my credit report for over a year now with Equifax and they still refuse to validate or delete these accounts. I did not open these accounts and they do not belong to me, therefore i am not liable for this debt. 
The account names are XXXX and XXXX.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

At the peak COVID, I am a XXXX. My Daily Checking Account had a low balance/ overdraft ( Minimal ) as allowed by my contract with the Bank . 
There was a XXXX loss of XXXX and I had kept the Bank informed about my issues with a promise to top up soonest possible. 
There was no response however and one fine day found that my account had been deactivated. 
I can not pay my school fees.as the fees was tied up with my Daily checking account.