davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

On XX/XX/2021, I requested a manual review of my " ineligible payments '' for qualification for the Public Service Loan Forgiveness program. I was told that the review can take up to one year. Through this request, I submitted a cover letter, a table that included all ineligible payments in question, and proof of payment that spans different servicers, with the payments in question all highlighted. 

On XX/XX/2021, I submitted a complaint via the FedLoan Servicing Ombudsman with all supporting documents and information and I was told that I would get a response within 15 business days. After 15 business days, I was informed by the Ombudsman that FedLoan has 30 days to respond. FedLoan responded after 30 days and once again told me that my manual review was ongoing and that it may take up to one year. However, I asked them about the pending termination of their federal contract and how that would effect my review and they were unable to give me an answer. I also asked them that after the transfer of my loans to yet another servicer would this mean that I will need to start another manual review with the same supporting documentation and they were unable to give me an answer. 

Since the FedLoan federal contract terminates on XX/XX/2021, FedLoan will be initiating a process to transfer my loans to another servicer handling the Public Service Loan Forgiveness program. However, given the inability to provide me with answers regarding the effects of this transfer on my ongoing manual review, I asked FedLoan if they can expedite this review and they were unable to grant me this request. Therefore, I am filing a complaint to try to expedite the manual review with supporting documents.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Citibank savings accounts display incorrect balances And they will not help when you call them. Honestly do not know what to do. Unresponsive, will transfer your call back and forth and no one helps. Put you on hold and hang up on you.
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Shop, Incorporated (FL)

Credit Shop Amount : {$2600.00} I contacted this company on several occasions in order to state that my identity was stolen and that I did not apply for this loan. A family member stole my identity and caused havoc. I disputed it through the 3 Credit Bureaus ( XXXX, XXXX, XXXX ) also. The company just stated that the debt was valid, but never gave me any paperwork showing my signature or proof of this being my account. I have been in a back and forth battle with this company throughout 2017.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I have had a Citi credit card for many years. Apparently because of this I was chosen to be targeted with an offer to open a online Citigold checking account with a Debit card attached to the account, with the offer of providing me with a XXXX XXXX XXXX XXXX bonus if I completed what they referred to as " simple '' steps. 
Within 60 days the first requirement was to spend {$1000.00} on the debit card, which I did despite signing up for the account XX/XX/XXXX and not actually receiving the debit card until XX/XX/XXXX, almost a month later. I called when I never received the card and it was confirmed to me that the time period had started the day I signed up and not the day I received the card. This should have been a sign of misleading business practices, but I decided I would be able to spend the necessary amount in the time I still had left. While I was on the phone asking about the whereabouts of my missing debit card I inquired with the agent about exactly what the other requirements were to receive the miles offered, I told her that I wanted to make sure I was properly completing the necessary steps. I asked if the recurring electrical bill I had set up would suffice and she said of course, that would be perfect. 
The second requirement was to " perform 1 qualifying bill payment in 2 consecutive calendar months ''. I set this recurring payment up with my local electric company and had the funds set up on autopay to be paid from the Cititgold account. In my statement you can see the funds were taken from the account on XX/XX/XXXX and then again on XX/XX/XXXX ; two consecutive calendar months.

Once this was done I called Citigold on XX/XX/XXXX to confirm that I had completed the required steps to receive my XXXX XXXX XXXX XXXX, and the representative told me I had not set up the recurring payments correctly, that I needed to set it up on the Citi website and not the way I had done it. I asked her to explain because I could not understand what it was that I had supposedly done wrong. Her explanation left me more confused. I inquired how I was supposed to know how to set up the recurring payments in this specific manner, and that I did not understand, and she said it was in the " fine print ''. 
I honestly still don't know what I did wrong. I spent {$1000.00} on the debit card in the allotted time period, and I set up recurring payments to be automatically debited from the account, which occurred in two consecutive months, again all within the allotted time period. 
I find this practice to be purposefully misleading, with the intention of making it almost impossible to complete the tasks required to receive the bonus XXXX XXXX XXXX. From delaying providing the debit card to me, and not being specific as to how to set up recurring payments in a manner they like, and hiding this information in the " fine print ''
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've told them multiple times these inquiries and debt collections that are not giving me XXXX fair chance at living the " american dream '' need to come off they are not mine nor am I aware of any of the collection agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-10
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: TekCollect Inc. (MN)

On XX/XX/2021, XXXX disputes were sent to the 3 major bureaus. The company TEK-COLLECT is still reporting the debt of {$19000.00} for XXXX XXXX is somehow mine when in fact it was another person who is now deceased.
Consumer complaint received 2021-09-10
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: JPMORGAN CHASE & CO. (CT)

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2018-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I filed a complaint about XXXX XXXX and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except Experian, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on Experian. I have sent Experian the same document XXXX sent the CFPB, but instead they opened up a dispute and XXXX has came back and updated the TradeLine. 
I have called XXXX and Experian multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
Consumer complaint received 2018-11-05
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. (VA)

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2022-06-22
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)

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXXXXXX XXXXFederally Protected Consumer to XXXX, EQUIFAX, XXXX. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports
Consumer complaint received 2018-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has been dropping the ball repeatedly and the amount of time and inconveniences they have caused me has gone too far. 
I purchased two airline tickets on XX/XX/XXXX, the first in the amount of {$160.00} and the second {$370.00}, it takes a lot of planning and time spent in deciding this purchase but to hit a wall I didn't see coming? again, this is not the first time either, same thing happend exactly 7 days ago, none of my cards with Capital One wouldn't process and when I called the representative then, they are not willing to take responsibility, nor apologize or explain as to why, this is ridiculous! Yes, my funds are plenty! And this is not user related issue believe me ( browser, internet connection, typo or whatever crosses your mind now ) I know what I am doing, it seems the transaction went through for now, that is what it appears like, but no pending transactions are showing in Capital One pending activity page for the entire day that I made purchases for, forget the past hour, and the agency I purchased the ticket from may not be issuing the ticket because nothing has gone thru, this is taking owefully long and that is what prompts me to dig deeper and find out there is " system update '' going within the Capital One, whatever that means, that doesn't mean anything to the customer, just words, be transparent and let your customer know before they get impacted, be transparent and professional. How am I suppose to know if my online purchases went through or not, if I am not receiving the usual email, texts, and also doesn't show under pending transactions for hours? And in last weeks case, it just wouldn't charge at all, I had to call and provide my card information to make that purchase, why all these unnecessary hassle? Now, if I don't get that ticket processed soon, the rate will change and I will be forced to look for other financial institute that would like to take my money but at the same time are stable, communicative, transparent and professional, these are the basic principles, ... come on! 
I just want Capital One to take this seriously and stop this " brown outs '' which are not acceptable in my book.
Consumer complaint received 2022-02-10
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. (DC)

According to 18 U.S Code 8 the term obligation or other security of the United States include all bonds, certificates, of indebtedness, national bank currency , federal Reserve notes, federal Reserve bank notes, gold certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United Stamps. 


Ive been trying to resolve this issue for quite some time now. Im mentally stressed out and depressed because of this fraudulent bill thats affecting my credit report and my lifestyle that Im trying to provide for my children.
Consumer complaint received 2018-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

I have opened a citi checking and saving acct for this following promotion. 
Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days My checking/saving acct number is XXXX. I have funded this account since opening in XX/XX/XXXX, I have XXXX in checking and XXXX in saving. 
I feel citi has no plan to honor their promotion.I did talk to the Rep when open the acct, and I was assured I will get the bonus, However I didnt. 

This is purely deceptive marketing if citi didnt honor their promise. 

My address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX.
Consumer complaint received 2018-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.
Consumer complaint received 2022-02-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate. 

More Information : XXXX XXXX XXXX/
Consumer complaint received 2018-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have calculated my interest down to the day for how much I am losing. Navient is stealing an extra day every month from me since my loan started. If they are doing this to everyone that is a large sum of money. I calculated the same thing with XXXX and they are not doing the same as Navient. Also if you go through the history of my loans when I just mailed in the amount I was told I owed for the month, they did not allocate my payments correctly. Since they have allowed access online I have not had this issue, as they must apply my payments as I note them. Although the first month I did this 3 years ago they tried to misappropriate my payments again. Which took 3 months to fix. I borrowed less than {$70000.00} and graduated in XX/XX/2007 and I have paid them {$100000.00} and I still owe them {$10000.00}. People that have borrowed from Sallie Mae/Navient please be aware of where your payments are going.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to formally request the blocking and deletion of several unauthorized accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and these accounts and inquiries were fraudulently opened or accessed without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you permanently remove the following entries. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$4600.00} XXXX. XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$2700.00} XXXX. XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6600.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6500.00} XXXX. XXXX XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - Balance : {$9500.00} Unauthorized Inquiries XXXX. XXXX - XXXX XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX