davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Zip Co US Inc. (WA)

I use Zip ( Quadpay ) for online shopping due to ease of use and to keep my debit/credit cards hidden when I shop online.

I used Zip for 2 separate XXXX orders in XX/XX/2021. I recently ( XX/XX/XXXX ) returned items from both transactions and the refund total was {$380.00}. This amount was confirmed by receipt as well as XXXX customer service. 

Zip refuses to refund the full amount, and instead is sending inconsistent emails with different amounts promised as a refund. Please see attached emails with varying information.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

This is a complaint about Citibank. 

In XX/XX/2020, I opened and funded a Citibank Savings Account with {$76000.00}. Two months later, I tried to transfer {$95.00} out of that account and was informed that my account was " locked ''.

Six months later, my account is still " locked '' and I do not have access to my funds. I have talked to over 25 people at this bank ; customer service reps, managers, tech support, fraud department, etc. and no one can tell me why my account is locked or how to get it unlocked.

Two different representatives told me to visit my Citibank branch to get an answer. I live in XXXX and the closest branch is in XXXX XXXX ; 830 miles away. When I called that XXXX XXXX branch manager, she just laughed and had no suggestions.

I've sent multiple emails. I've even sent two registered letters requesting that my account be closed. I've been promised three times, by bank representatives, that they will investigate and get to the bottom of the problem. 

So far ... crickets. 

No communication from the bank, my account is locked and I still can't get to my money.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zip Co US Inc. (AL)

I have made SEVERAL attempts to contact this company about the name that is listed on an account! After basically being ignored I filed a XXXX complaint. Whomever responded to that complaint lies and said that I have never contacted them about this situation. Thats a lie. I will upload the screenshot! They accused me of having a relative named XXXX XXXX which I do not! Now quad allegedly ask you for the last XXXX of your social as a way of identifying you! If that is the case then there is no way they would have matched social to the name that they have listed. She made it seem as if I were trying to open an account which I was not. Their response was accusatory and disgusting. Especially considering that the responder lies about me not having contacted them.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have always paid my account on time every month thru the website r by calling and paying in person. i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly called the company and paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MD)

Chase Bank recently screwed me on 2 disputes ( over {$1200.00} XXXX because of their mishandling of the complaint ( closing the dispute without reviewing the info sent by fax and mail ) and not caring. I have no desire to do business ( {$66000.00} in the past 31 months ) with them much longer. I am unable to get a new credit card because of the way they report to XXXX, XXXX, and XXXX. All three Bureau 's are receiving the information the same way for Balance, Scheduled Payment, and Amount Paid. 

JPMCB Card Services is reporting the Balance and Scheduled Payment each month to all three. JPMCB Card Services IS NOT REPORTING THE AMOUNT PAID EACH MONTH TO THEM. XXXX  and XXXX  is showing {$0.00} for Amount Paid while  XXXX  is reporting ND for no data. Normally this amount is paid in full or extra each month because I add up the future charges. 

When applying for new credit cards, my application has been rejected because there is no monthly " Amount Paid '' being shown on this revolving account.
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX I made a payment of {$400.00} on my Bank of America Credit card. On XXXX XXXX interest charges of {$77.00} was applied to my account. I received a statement and on XXXX XX/XX/2020 I paid the balance in full of {$9700.00} of which the due date was XXXX XXXX. On XXXX XXXX I received a statement with interest due that was applied on XXXX XXXX on a zero balance. No purchases were made on the account from when the last interest charge was made only payments. I contacted the customer service on XXXX XXXX who refused to remove the charge.
Consumer complaint received 2020-09-16
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)

Experian is reporting fraudulent accounts, addresses and inquiries on my credit report. I am an accountant and my field requires you to have a good credit history. I was laid off from my previous employer due to Covid. I am currently seeking employment elsewhere and the jobs I have applied to will run my credit to make sure I am in compliance with the credit criteria. With the fraudulent accounts and information reporting on my report, I likely will not get a job offer!
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

This is a complaint against Experian XXXX XXXX. I have had months of call in to their Customer Service and been given a run around, abused, and had to deal with angry representatives. Today I had a conversation with Rep named XXXX and XXXX who were very agitated and upset why I was calling. Normally a dispute takes 30 days to resolve. 
I informed them that their rep who I spoke back in XXXX of 2020 told me that the collection account which is paid off and is showing on my credit report for more than 12 years will be removed. Secondly, the older accounts keep on appearing on my report, it doesn't show up for 2 years, then all of a sudden it shows up again just from few days. 
I was wanting to discuss about these, and XXXX was very angry, she said she is working from home, and is in New Years vacation mood, does not want to go in detail, she was yawning, pausing a lot, and very upset why I was calling. She further commented how good her Credit is and I am not paying my bills that is why I am been reported!! She told me that it will just take her few minutes to file a dispute " her way '' and resolve it without researching on it. She disputed on these accounts and sent me results same day without even working on it and researching just because she was ANGRY AND UPSET THAT I CALLED.
Consumer complaint received 2020-12-31
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. (NJ)

I have contacted experian numerious times via mail and over the phone in regards to fraudulent accounts that have been established in my name they have failed to remove these fraudulent accounts from my report even after sending them a police report and Identity theft report that lists these accounts as fraud. There claim is that they have gotten a response from the creditor indicating that the accounts are valid in which they have also failed to provide documentation to support this claim. I believe that my rights under the FCRA are being violated. I am asking that Experian be contacted and that a resolution be made in regards to these fraudulent accounts.
Consumer complaint received 2020-09-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Dear Mgr ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate ( XXXX # XXXX )? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Accounts & Advisers, Inc. (MN)

Good morning, My official complaint, On XX/XX/2020 I paid 2 debts in full to the original company, XXXX XXXX. I sent a letter and proof of payment to the creditor, American Accounts & Advisers , INC. on XX/XX/2020. In that letter I requested proof of removal from my credit report within 30 days of receiving my letter and proof of payment. I never received anything from them to this date, XX/XX/2020. This debt continued to be reported unpaid by American Accounts & Advisers , INC. for the next 4 months, I attempted to dispute this with XXXX multiple times during that period but due to COVID there we not taking care of disputes due to staffing. On XX/XX/2020 I called XXXX and was able to talk to a person that submitted the dispute for me. I asked XXXX  to direct me to a place where I can make formal complaint against American Accounts & Advisers , INC. inability to do their due diligence in removing a paid debt from my report that they knew was paid. I called the number and it was American Account & Advisers , INC. I was quickly directed to XXXX 's voicemail. I left an extremely professional message indicating this debt is paid and their lack of response is to say the least disappointing to blatantly ignore a paid debt and not do their due diligence to remove it from collections. I received a call this morning to say it is now reported paid. I asked what caused their lack of due diligence to report and why it took them 4 months. There was silence and I was given no reason at all, none. The phone call was recorded. I have been in the process of trying to get approved to buy a home, build my credit portfolio and been denied multiple times due to this debt not being reported paid. It has directly affected my life and what I am trying to build for myself and my family. 
These companies will harass you night and day but the moment we need them to report a payment, no response. It needs to stop and there should be consequences for companies that do this. 
Thank you, XXXX
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NM)

I started the Public Service Loan Forgiveness ( PSLF ) process over a year ago and had a balance of {$5600.00} forgiven in XX/XX/XXXX, while the loan was with XXXX XXXX. My remaining balance was with XXXX and had to be transferred. After having seen no movement for several months after the fact, the PSLF application form was re-sent to Mohela in XX/XX/XXXX, which they closed as a duplicated request. 

My loan again did not transfer. In XX/XX/XXXX, we called Mohela and they said the request to transfer the loan was submitted in XXXX. My loans were finally transferred and I was able to create an account with them, and now they are telling me I have to wait another 30-90 business days for my qualifying payments to be assessed, and who knows how much longer for the Department of Education to finally provide the approval to discharge the loans. I have approximately {$62000.00} remaining to be forgiven and I am looking to start my own practice. 

This delay has hindered me significantly as I have patiently waited for the Department of Education and its servicers to do their jobs. Working as a XXXX XXXX XXXX XXXX XXXX through a pandemic was hard enough, and going through this process has been very demoralizing. To be honest, I'm considering legal action or going to the media to try to expedite the process of loan forgiveness.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Bank of America has closed my bank checking account on XX/XX/2020 without any reason. The case number of BOA is XXXX. Also, BOA has reported a suspected fraud activity on my credit reporting. But I did not do anything wrong. I have received funds from overseas which was my parents send to me. That fund is clean and trustworthy. As you know, the XXXX government controls foreign currency very strictly. So my parents have to separate the fund and send them to their BOA account and transfer to me late. That is the only way I thought may BOA is not satisfied.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (AR)

PLEASE BE ADVISED THAT XXXX  XXXX HAS ELECTED TO SUPRESS MY CREDIT FILES AS DEAD SINCE XX/XX/2015. IN VIOLATION OF F.C.R.A. 15 U.S.C. Section 1681g, FACT-ACT AND THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. ( XXXX  REFUSING TO ANSWER CFPB 623 TIMES.

THE FOLLOWING FURNISHERS OF XXXX  DATA ARE PROBILTED TO PULL MY CREDIT FILES FOR ANYONE.WE WILL BE FILING A XXXX XXXX DOLLAR PUNITIVE CLASS ACTION LITIGATION LISTING, FACTUAL DATA, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX..AND 68 ACCOUNTS AND PUBLIC RECORDS CURRENTLY REPORTING ON XXXX  XXXX.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

I submitted my required paperwork to Loan Care, LLC on XX/XX/2020 to end my forbearance on XX/XX/2020 and was told I would be contacted within 10 days to go over my options. I called after 10 days and was told that review could take up to 30 days but to call the following week to check on the status. When I called the following week as suggested, I was then told it would be 30 days for the review to be completed, period. After waiting the 30 days from submittion, I called again for an update, waited on hold for over an hour and a half, and then was told that loss mitigation closed while I was on hold and that my paperwork would not be reviewed until my forbearance period ended. I requested that I could speak with a supervisor since each time I call I'm given a different response. I was told that a supervisor would call me before the end of the business day, but that call never came. So, on XX/XX/2020 I waiting on hold for another hour and a half to be told that review times are now taking over 45 days. While speaking a customer service repesenative, there were kids screaming in the background and somehow the call was disconnected and I was placed back on hold. After waiting another hour on hold, I gave up. 

While I understand that these are not normal times, I would expect that mortgage accounts would be handled in a more timely and professional manner. I called again today, XX/XX/2020, and was told that they could extend the forbearance until they have completed the review of our account. I explained that I do not want to further our forbearance since that would further delay our ability to refinance in the next few months. I was again put on hold for another hour and gave up. 

Now our forbearance will expire on XX/XX/2020 and the only option we are currently given is to extend our forbearance which is unacceptable.
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EXPERIAN 1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY. 

For XXXX  1. There are multiple discrepancies and inaccuracies listed under this account. The dates last active are not consistent on my XXXX  XXXX  and Experian reports. Additionally, this collection account still lists {$100.00} amount as its balance when it should not be associated with any balances. How are these details inconsistent when this is from one and the same creditor? 
XXXX XXXX  XXXX Account Number : XXXX DELETE THIS INACCURATE ACCOUNT IMMEDIATELY.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On or about XX/XX/20 there was a XXXX purchase of {$19.00} to my card ending in XXXX, which I didn't make and I reported this to Capital One fraud department. They reversed the charge and ordered me a new card. 

On about XX/XX/20 there was a XXXX  purchase of {$44.00} to my new card ending in XXXX which I didn't make and I reported this to Capital One fraud department. Keep in mind that this happened while I was waiting for the new card to arrive. They reversed the charge and ordered me a new card. 

On XX/XX/20 there was yet another attempt to make a XXXX   purchase of {$9.00} to my card ending in XXXX. I reported this to Capital One fraud department. I am starting to feel that Capital One or someone affiliated with Capital is giving my my personal information out. I don't feel that my personal information is safe at all. I am not a XXXX  customer which is why I feel my information is being sold.