davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
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: CITIBANK, N.A. (AZ)

We have a dispute BOTH with XXXX XXXX XXXX, as well as with Citi Card XXXX Citi ) in XXXX XXXX XXXX XXXX. I intend to file a separate complaint with XXXX over its rental of a dangerous electric vehicle which died in traffic. 

I have disputed XXXX 's charges with Citi. Citi 's ' automated system apparently only accepts disputes involving purchases of GOODS! voulminous information I have sent to its XXXX XXXX headquarters ( as requested by it, have produced the following response : " We are unable to assist you with this dispute as the documentation that you provided is an estimate. It is not the actual sales RECEIPT for this PURCHASE. '' [ emphasis added ]. 

XXXX gave us NO receipt. upon return of the vehicle we subsequently rented. It later send a copy of the original contract which I submitted to Citi. Note -- this was a service, not conventional purchase of a product. Since XXXX has nver sent me an actual bill for the claimed rental cost, Is the only way for me to get a " receipt '' to pay the disputed amount charged to XXXX 's credit card and then submit a cancelled check ''?
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC (NJ)

Received unsolicited text message on XX/XX/2020 claiming a balance owed of {$75.00} to XXXX XXXX. The agency reference number is XXXX, I dispute the validity of this debt due to the fact that I filed for Chapter XXXX bankruptcy. This is clearly evident on all of my credit reports with the major credit reporting repositories.
Consumer complaint received 2018-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

This is the second complaint i have had to file against navient ... last year and again this year about income based repayments. They dont respond, push forbearance and after sending in a pay stub for income reduced payment, I received an email saying they needed more info and they were sending paperwork for me to fill out. 1 month later and after sending them an email and asking where my paperwork was i still have had no response and after working so hard to increase my credit score im endanger of it being once again messed up by navient because i cant afford {$500.00} in addition to the {$180.00} im already paying. I make {$400.00} a week. Navient still isnt trying to make things right for their customers. Nothing has changed with this company. XXXX XXXX XXXX
Consumer complaint received 2018-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ask a service to a law firm. The asked a deposit. They never gave the service. Service was to go to a court to defend. The never wen to a court. XXXX  claim to Capital one was on time. They have information in their system.
Consumer complaint received 2023-06-29
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: NAVY FEDERAL CREDIT UNION (CA)

Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. 
Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX aka XXXX XXXX. 
XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. 
She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. 
Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. 
Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. 
I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. 
Please do something immediately
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I recently sumitted an application to XXXX XXXX  located in XXXX, Florida, on XX/XX/XXXX. I was then informed that a background check performed revealed a eviction and judgement XXXX and was directed to their leasing desk to file a dispute. I disputed the eviction and judgement:1 length of time, 2.the eviction judgment acct. Was included in a previous bankruptcy chapter XXXX filed XX/XX/XXXX & discharged XX/XX/XXXX. I was also informed by the leasing consultant XXXX to provide proof of the order of discharge & would proceed with leasing.. All document where provided. I paid application fees and received a confirmation for the amount due {$690.00} to move in XX/XX/XXXX. When my family and I came into the office on XX/XX/XXXX to follow up with leasing. I was then told that they couldn't assist me at this time & I had to wait 30 days to receive a refund of {$250.00} from the application fee. I explained that the action to withheld the {$250.00} would cause more extreme hardship and that i needed it sooner to provide other adequate housing. Equifax denied providing the lease desk with the information. I've tried to follow up with a dispute to them. No success.
Consumer complaint received 2018-12-14
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: Lincoln Educational Services Corporation (NJ)

All 3 credit bureaus are reporting that i have a account with XXXX  and i do not currently the have not verified that the account is mine and i have sent 3 letters and XXXX to them and sent a letter to XXXX XXXX but i have not received a sign document from them that i do owe them and the 3 bureaus and XXXX say that it is verified but have not provided me how they verified it or provided me with any documents
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/23, I received an e-mail stating that XXXX XXXX was charging my account for {$290.00}. I responded by email but it did not go through, so I called the number in the email to tell them that I didn't want their service. The man who answered said he was reversing the charge. 

Almost immediately after I hung up, a man calling himself XXXX XXXX called and claimed to be from XXXX XXXX XXXX  XXXX XXXX XXXX. He told me that I had been scammed by XXXX and my credit card had two fraudulent charges on it. He told me to protect my bank account from cyber fraud I needed to open an account with XXXX XXXX XXXX and wire my savings into it. He told me Citibank is being hacked so I had to hurry before fraudsters took it all. He said XXXX was a safe wallet to hold my money until I opened an account at a different bank. 

I opened an account with XXXX and XXXX XXXX sent me an email with instructions for completing the wire transfer from Citibank. I went to my Citibank branch and was assisted by XXXX XXXX. I made a wire transfer of {$50000.00} to a XXXX bank account XXXX XXXX claimed was owned by XXXX. 

Later I was concerned and looked up the phone numbers for the man calling himself XXXX XXXX. I was not able to verify they belonged to him, so I contacted XXXX to ask if he was one of their agents. I received an email verifying that he worked for cyber fraud investigations and was legit. The email had XXXX logo in it, but I didnt realize at the time that it came from a XXXX address. I was then told my XXXX account had been locked and I could not transfer money in or out of it. The scammers were somehow able to access the funds and withdrew them from the XXXX account. 

The next day, I went to Citibank and asked them to reverse the wire transfer. They did an investigation and two months later stated that XXXX wouldn't return the money, so it was my loss to bear. 

I am a XXXX XXXX and I have been banking at Citibank for about 20 years. Despite the fact that this transaction involved a very large amount of money and I had no history whatsoever of such transactions, neither XXXX XXXX nor anyone else at the Citibank branch asked me any questions during the face-to-face interaction to screen for or warn me that I might be a victim of a scam. I am informed that this type of scam is very common, and it would have taken only seconds for a Citibank employee to ask a few questions and provide me enough information to help me to realize that I was being victimized. Instead, Citibank collected the {$35.00} wire transfer fee, sent the money out of my account, and provided no assistance in recovering it.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

My Correct Personal information : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, SC XXXX - Any other name variant of the name above should be deleted. 

- Any other address listed is not correct and needs to be removed. The above address is my residence.
Consumer complaint received 2023-07-01
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. (MI)

Information furnished in the narrative section for payment status, ie. 90 day status and XXXX current status, constitutes unfair and unlawful practices by XXXX because it was generated on the basis of depriving a consumer right of notice that violates both TILARegulation Z ( 12 CFR 1026.2 ) and the MPN for the loan ( XXXX ( XXXX ) ( b ) ). Persistence of information by one or more consumer reporting agencies, when those agencies know, or should know, the information reported is unlawful ( incomplete or inaccuarte ), then implies those CRAs are reporting information that is false and/or misleading. Reporting of this information then violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). At present Equifax is reporting either patently incorrect information and or misleading information for this acct/tradeline such that their reporting has caused adverse actions to occur when I have applied for housing within the past few months. In fact, XXXX, aka XXXX XXXX XXXX XXXX, a company specializing in risk management for housing rentals, used the information supplied by Equifax to inform a subscribing management company that I was too risky to lease an apartment in the respective apartment community -- I was denied the apartment and an exception, while permitted under management policy, could not be made because the credit score provided via XXXX XXXX XXXX XXXX XXXX which was at the very least based upon the information reported by Equifax, was too low. Therefore, the false/misleading information supplied by Equifax has caused me to be subjected to housing instability, and unfortunately, housing discrimination. The prior payment status narravtive and current status narratives, " was 90 days past-due '' and " 119 days past due '' need to be removed for this account/tradeline. If Equifax will not do so, then I will sue.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XX/XX/2023 My payroll check was deposited at Bank of America Location XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX No one notified me that there would be a hold placed on my check until the next day essentially stripping me of the opportunity to take my payroll elsewhere so that I can actually pay bills. 

Saturday XX/XX/XXXX, I returned to the same branch to speak with the manage about the hold I was fended off by an additional staff member who didn't even bother to ask my name or any specifics but gave me simple canned responses, basically " there is nothing we can do '' When I asked for manager, I was told they were busy and would not be available to see me until next week. I was told I could call customer service and speak someone there. 

When I called customer service I immediately asked for a manager or supervisor, the representative asked what it was regarding " I replied- I would really would prefer to just speak to a manager to avoid being fielded off the way I was in the branch. I was placed on hold for about 10 minutes the involuntarily disconnected from the call. this happed 2 times back to back. 

The third time I called I asked the representative to please take my number as I have been disconnected twice and no one called back, to which she replied she is not able to take my number because she is not allowed to dial out and call me back if I am mysteriously disconnect again, after an extended wait I was told I there are no managers available and I would be placed in a queue for a callback within three hours. 

I was contacted by a manager named XXXX at XXXX XXXX  PST, who basically told me that she could do nothing about the hold and even after I notified her about regulation CC, and that this is not a reasonable time to verify funds for a check of about XXXX dollars, her reply was the same canned responses that I have been given by everyone that I have spoken to thus far. My next question was can I have my check returned to me that I can actually take my check to be cashed elsewhere, as there unreasonably long hold will cause my unnecessary hardship as I can not pay my bills, and the account that I have with them will also now be overdraft due to the unreasonably long hold. 

None of the people I have spoken can give me a reason for the long hold when a standard hold is 2-5 days. I'm not able to speak to anyone who can do anything about it. I am being given canned responses, essentially, we have it, we're keeping it for 12 days and there is nothing you can do. 

I'd also like to add that the branch manager at the location listed above would not even come out and greet me, never asked my name, no account information to look up, just a caned response, sent to me by another employee and call customer service.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CA)

I was charged {$15.00} for trailing interests in XX/XX/XXXX, for paying my bill late by 2 hourseven after they charged me {$30.00} in interest in XXXX! 

Going back on my charges, I saw they did the same thing in XX/XX/XXXX. They charged me interest in XX/XX/XXXX XXXX XX/XX/XXXX, for a bill I paid off. When I mentioned this to the representative they said they couldnt help me because I had paid it off.
Consumer complaint received 2023-07-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Federal Adjustment Bureau, Inc. (OH)

Fabco called my mother 's phone looking for me when her number isn't listed on XX/XX/2023 and kept harassing her where to find me. Then the same day they called my employer and lied saying they were verifying a application for a rental property and and personal information about me. I have recieved a letter dated XX/XX/2023 saying that it's for a collections to XXXX XXXX for {$6000.00}. That I owe but didn't not know I could counter XXXX until it was to late for not fixing the apartment I was in and it was unsafe and the management new and was documented for 6 months they did nothing. They also denied the rent help I was going to recieve from XXXX XXXX XXXX and XXXX charities and pursed eviction.
Consumer complaint received 2023-06-29
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)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (MD)

On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails
Consumer complaint received 2023-06-29
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: DISCOVER BANK (FL)

In XXXX I purchased 2 lamps I chose for XXXX 3days later the shop owner called and said he did not have what I pick but he would pick for me bigger and more beautiful lamps his words not mine I said no just reverse my charge he said no as soon as I got back from my 10 day trip I called Discover they said until the charge came in they would take care of it. They did reverse but 2weeks later they reversed there reversal and said he proved he shipped them The wrong lamps did show up but they were not what I order so I called Discover to let them they know the wrong ones had arrived Discover told me to send them back with proof of delivery I did. They reversed the charges again but a week later they reversed them a gain and I had to remain all the paper work and a copy of his text stating he switch the lamps to some they he did have I not only mailed the paperwork but also went to XXXX XXXX and faxed them at the end of XXXX they said all was good and not to worry I closed on my new condo XX/XX/XXXX so I did not keep my papers now Discover charged my account almost 6months later and said he had a no return policy this is not a return he switched product on me and admitted it but Discover does not care. I have talked to many people at discover and on the phone they agree with me but say there manager made the decision to believe the shop owner on no returned so now I have paid the charge have no lamps because Discover told me to mail back the wrong lamps I have nothing for my XXXX dollars but the shop owner has the money and I have paid Discover so I do not ruin my credit. I was so mad I told them to canceled my card and they told me my husband was the card holder not me I said I did not know that my name was on the card My husband of XXXX years passed away last XX/XX/. I tried to pay on line but had to call and pay in person with my routing number now this afternoon I found out Discover open an account in my name with a balance of XXXX please help stop this this is not fair if you what more information please call they admitted they have all the paperwork
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

Discover Finance Discover Credit Card company is pulling a soft inquiry every 2 or 3 days and it shows up on my credit report one after another after another. Literally 2 to 3 times a week. I am not interested in their financial services and have asked them to stop on numerous occasions. I feel as it is a harassment against me and my credit report. I realize it is not the same as a hard credit inquiry but they are doing it in excess.
Consumer complaint received 2023-07-01
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. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I have reported all to the ftc and XXXX, Equifax, XXXX