davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

Back in XXXX I filed a dispute with all three credit bureaus and the company XXXX ( formerly known as XXXX Bank ) about an error listed on my credit report. I was notified of this error when purchasing a new vehicle for my daughter at the end of XXXX from the dealership. I was notified that they were reporting a repossession and my account was over 120 days late which was not the case. The account manager at the dealership even stated that it was recently updated this year and asked if we still had the vehicle in question. I told them we had the title and letter showing the lien was released and the vehicle has been paid off. When calling into XXXX today to dispute this again, due to a alert on my credit monitoring service, I have yet to receive any information from the past dispute. When I asked about it, she ( XXXX XXXX XXXX stated that it has been updated and a dispute has been filed on it, I asked what was the resolution of the dispute and why haven't I been notified of this, her response was it has been updated and goodbye, they hung up on me. I called back and was placed on a lengthy hold which I thought was unusual so I waited and got disconnected again. I did not call back due to being highly upset over this matter and wanting it resolved so I am filing this complaint and hope it gets resolved ....
Consumer complaint received 2020-05-05
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. (NC)

I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX  XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX  and Equifax have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.
Consumer complaint received 2021-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (GA)

On XX/XX/2021 I sent a letter, by certified mail, requesting original instrument of indebtedness in its original form to Sallie Mae which of delivered on XX/XX/2021. The letter also asked for a response back on or before XX/XX/2021 ; no response was given. On XX/XX/2021 I sent another letter via certified mail requesting the instrument of indebtedness in its original form and requesting a response on or by XX/XX/2021, which was delivered XX/XX/2021 ; no response was given. On XX/XX/2021 I sent two notarized affidavits of mailing including copies of both letters requesting the above matters which was delevered XX/XX/2021 ; requesting the original instrument of indebtedness in its original form or the matter be settled legally and financially.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (LA)

I received a notice that my account is closing after I deposit a check that is under my Aunts name on XXXX XXXX from chase. I called but couldnt get through and emailed them multiple times and showed proof that my aunt gave me her check with showing her id to them. i finally able to get in contact with their agent and he told me to bring my aunt in to a bank to verify her. I was like okay but my aunt is old and we are in a middle of pandemic and chase lobby isnt open where Im living and its by appointsments only. Im busy so i let it slip and within the next 3 days they just completely shut my account down even though i have XXXX left in my account. Its been a month now and I still have not received my check or anything
Consumer complaint received 2020-11-20
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Our home loan was sold to LoanCare, and back at the end of XXXX, we were informed that this would be happening. We were going to be taking vacation in XXXX, so I called to try to set up auto-pay. Our info wasn't in the system yet, but the person I spoke told me that it wouldn't be a problem and we'd be able to figure it out later. At the beginning of XXXX we received a note that our loan was finally in the purview of LoanCare. By the XXXX of XXXX we began getting foreclosure notices. 
Unbelievable. This is how they run their business? How many of your loans go into foreclosure this way LoanCare? How much money do they make this way? How many people are on the street because of their predatory ways? 

We've been able to resolve this issue with them, however I'm reporting because they should be investigated. If this is a pattern, then many people are suffering because of LoanCare.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

I planned to take advantage of a balance transfer offer from CitiBank. I went online and chose the option for a check for a specific amount to be mailed to me. That check never arrived, but instead I was sent some blank balance transfer checks, so I used one. However, the check I deposited into my checking was returned by CitiBank, costing me {$19.00} for the NSF. I checked with Citibank and they had put a HOLD on the first check that they had cut for me ( the one I never received ) and for that reason the second check - the one that I deposited - was not honored. I questioned Citibank on the fairness of doing this and asked for a {$19.00} refund. Citibank stated it could not provide a refund, so that same day, XX/XX/XXXX, I requested they close my account and refund the overpayment. CitiBank did in fact closed the account the same day, but they are still sitting on my balance and refusing to pay. It was my understanding that I am to receive a check for an overpayment within 7 days of written request. It has been over seven days and still no word.
Consumer complaint received 2022-07-18
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. (SC)

I sent letters asking to do a investigation on my account on XXXX. Accoording to the law there was not a proper investigation done on my account.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

The below complaint was filed recently against Wells Fargo, not addressed ... The rep replying on end of Wells Fargo replied by stating no additional correspondence will be sent regarding matter, did not address complaint or offer resolution ... It appears the rep used a general form reply as most Wells Fargo reps like to use..Needless to say, this type of reply does not address or resolve matter.. 

Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current address.
Consumer complaint received 2018-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Management Core Solutions, Inc. (WV)

XXXX XXXX XXXX XXXX XXXX has threatened a lawsuit for an alleged debt passed the statute of limitations, for the second time. The first time was a garnishment of an account I did not have. Now they want payment withing 14 days or they will file a lawsuit.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (FL)

My husband and I we opened a checking account with Ally bank a while ago and last week I deposited our tax return check using their mobile check deposit feature. Since we needed the funds as well to pay the mortgage I made a wire transfer to another one of our accounts at another bank wherethemortgagepayment isscheduledtobewithdrawn. And when I checked online to see if the funds were available on the day Ally said it would be I found out that no funds have been transferred. When I tried to access our Ally account I found out that they have blocked the account without prior notice to us not even an email or text message or even calling us. I called their fraud department and I answered and passed all their security questions but still they did not unblocked the access to our account and they did not gave me any time frame either. This is a complete lack of transparency and I really didn't appreciate for them to treat me like a criminal while asking me their questions. Our mortgage payment is due on XX/XX/XXXX, any help you can provide us in resolving this issue would be greatly appreciated. 

Sincerely XXXX XXXX
Consumer complaint received 2021-08-25
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. (TN)

As per Citicard mobile phone alert ; On XX/XX/2021 and XX/XX/2021, I had a credit balance of {$160.00}. 

On XX/XX/2021 and XX/XX/XXXX, XXXX as per Citicard mobile phone alert, I had {$0.00} balance on my Citicank account ending XXXX. 

Then I got a credit check of {$69.00} instead of my credit balance of {$160.00}. I want Citicard to return my credit balance of {$160.00} instead of {$69.00}.
Consumer complaint received 2021-04-01
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. (IL)

Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the information.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

I got wiped out as did XXXX XXXX others in the crash of XXXX. I couldnt pay my bills and received collections, judgements and a littany of other negative things that effected my credit for quite sometime. Most of my creditors after around the 4 year mark started to voluntarliy remove the judgements and collections. They said they had received TARP funds and it was not fair they had been made whole in their losses and to continue to prosecute me financially. XXXX in a word. I just received a civil summons from Citibank for a prior judgment that I had received that was in XX/XX/XXXX for {$6300.00} and its now up to {$8500.00}. They are suing me again to extend this Judgement for another 10 years. This is weird as I have not been able to verify within Citibank ANYONE who knows anything about this. I sat on the phone half the day Friday after being served and part of Saturday and no one knows anything about this claim-no XXXX. A XXXX XXXX signed on behalf on Citibank. THE CFPB found Citi guilty of several issues with credit card sales and misreprenting interest rates to people in XXXX for periods between XXXX XXXX. I have looked at that settlement and CFPB ordered Citi to quit collection attempts for people during those years and I was also promised a rate that I did not recieve. I would like the paperwork for my orginal application showing my original rate and program parameters. I would also ask they honor the agreement they entered into when CFPB which found them guilty of what they are doing now. IF this is correct I am appaulded that they would attempt to continue to make people pay for things that happened from XXXX. All the other large banks I was dealing with - XXXX, XXXX XXXX, XXXX XXXX XXXX etc forgave the remaining outstanding collection/judgement because they recieved TARP funds. Citi received {$45.00} XXXX in TARP and the government agreed to protect losses on nearly {$300.00} XXXX in risky investments. They only paid back {$20.00} XXXX. Would love to have that kind of golden parachute, I think the most ludicrious part of this is " agreed to protect losses on nearly {$300.00} XXXX in risky investments ''. But yet they are trying to illegally collect from me.
Consumer complaint received 2024-08-27
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)

Creditor InformatioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not aware of this debt of {$1600.00}. I never signed a payment agreement with this company. Please show me my signature or remove from my credit report.
Consumer complaint received 2020-11-20
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-11-09
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: SYNCHRONY FINANCIAL (CA)

First, I've already successfully disputed 2 negative marks on my credit report by Synchrony bank. 

Now, they backed the Amazon credit card ( unbeknownst to me at the time ). 

Upon credit approval, they ( also not disclosed ) changed my default payment method. After that, they did not send me a card as they said they would a physical card. After that they accumulated charges and never sent me a statement at all by email or an email. 

When I went back to the supposed login page, it wouldn't load on a phone, a laptop, or a tablet. 



Please make them fix this and don't let them report anyone as missing a payment or subsequently as delinquent so they can try to collect on a debt. It appears trip clearly be a scam as a debt collector company. I found an address to pay mine this time, but they harassed me and ruined my credit and it took ten years to get more both overturned. 
ten years ago. 

Absolutely not just for me but for everyone who is unable to access their website or pay their bill in part because of the link that they provide in one email doesn't work. 

XXXX XXXX XXXX XXXX % XXXX % XXXX & XXXX & XXXX
Consumer complaint received 2020-11-13
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: CL Holdings LLC (GA)

On XX/XX/2020, XXXX XXXX XXXX and onXX/XX/2020 JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX  and XXXX. 
Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX and JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2022, I filed a dispute with XXXX, XXXX and Equifax Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2022-07-24
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DATE XX/XX/2018
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (CA)

Since XXXX, I have received numerous calls ( 24 hours averaging every 3rd hour ) on a debt I did not create or have knowledge regarding a XXXX XXXX account. This account is over {$2000.00} and increases by a XXXX each month. 

a. I have requested verbally and by written letters ( XXXX, XXXX, XXXX first letter ) for definition of what a " Pal Pal account '' is. Is it a short-term loan, credit account with a commercial company or credit card account. 
b. I have asked when the account was created with request for copies of the original application, which should show who applied, how applied, what data/information was entered to establish its opening. 
c. I have also requested what was purchased and to where it was send/delivered/picked-up. 

To date, I have received no information other than a demand for payment, harassment and nuisance calls twenty-four hours a day.
Consumer complaint received 2020-11-13
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: ID Analytics, Inc. (MN)

Sage Stream continues to violate the Fair Credit Reporting Act ( FCRA ) by listing and reporting inaccurate information and inquiries on my consumer report. I should have a clear consumer report. No adverse or negative information or inquiries, should be listed on my Sage Stream Consumer Report. I should have a clean and positive consumer report.