davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (DC)

On XX/XX/2023 I initiated a bill payment to myself from my XXXX XXXX Credit Card account to my Citibank checking account. The bill payment check was for {$1400.00} and was mailed to Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My account was never credited for the {$1400.00} deposit. 

Looking at a copy of the cancelled check I received from XXXX XXXX, I can see the check was received and cashed on XX/XX/2023. The endorsement on the back of the check reads : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX After several calls to customer service, on XX/XX/2023 I visited the Citibank branch XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX and spoke with XXXX XXXX XXXX She was not able to assist me, but took my copies of the cancelled check and letter from Citibank requesting additional details about the deposit. XXXX said she would give my information to the XXXX representative, along with my documents and he would be in contact with me. On XX/XX/2023 I emailed XXXX to get a status on my missing deposit, she never answered my email or calls. 

I have placed more XXXX phone calls, visited the branch and placed numerous investigations ( XXXX, XXXX, XXXX ) attempting to locate my missing deposit without any resolution. I keep getting the runaround and no one will take responsibility to investigate where my {$1400.00} deposit went.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

My personal information was effected by the data breach as a result my credit reputation and worthines has been severly and irrevocably damaged. These are some of the alleged debts that are not mine. 

XXXX ) XXXX XXXX no acct number, amount {$1100.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, amount {$7100.00} XXXX ) XXXX XXXX XXXX, Acct XXXX XXXX, amount {$28000.00} XXXX ) XXXX XXXX XXXX, XXXX acct XXXX, amount {$610.00} XXXX ) Five Hard inquiries XX/XX/2020 ; XX/XX/2020 XXXX ; XX/XX/2020 XXXX ) Twenty one Soft inquiries
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

JPMORGAN CHASE BANK CLOSED MY CHECKING ACCOUNT SO THEY WOULDN'T HAVE TO PAY THE NEW ACCOUNT BONUS THAT I WOULD HAVE GOTTEN FOR HAVING {$1500.00} DEPOSITED INCLUDING DIRECT DEPOSIT. BOTH OF THE LOCAL BRANCH EMPLOYEES DIDN'T KNOW WHY THE BANK CLOSED MY ACCOUNT, WHEN THEY BOTH ADMITTED I HAD DONE EVERYTHING CORRECTLY AND THAT WAS NEEDED. 

THEY SIMPLY BLOCKED MY ONLINE ACCESS AND THEN TOOK SEVERAL WEEKS TO REFUND MY MONEY.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (CA)

The creditor goldman sachs bank usa, has ended the contract with the consumer. I sent a payment via certified mail to enroll in a repayment program in which this creditor took the payment and denied enrollment in this program, they soon decided to charge-off the account days after. They continue to report on my credit report every month. They have acquired a very agressive and deceptive law firm called XXXX XXXX XXXX XXXX. I requested information related to the debt amd they did not provide requested information. I was forced, by the law firm acquired by goldman sachs bank to debt validation response via certified mail. I have lawfully responded to their claims and concerns, and have been neglected by the law firm and by the original creditor. Deceptive tactics for debt collection have been made by the collectors and misinformation and disinformation has been shared and provided by both parties. I send offers and I sent letters of consented communications, and both parties decided to neglect these attempts made by the consumer to satisfy or negotiate this debt. It has been more than 90 days and has not been resolved.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2023, I made a payment of the entire account balance prior to the due date of XX/XX/2023. The credit card immediately applies the payment and any potential availability of use of the new credit limit the same day or the following day if made by a certain time that day. Target is not doing so in my situation. They are stating they are placing a hold on my account for which they do not have a valid justification, nor do they do the same to other customers in the same situation.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I told the XXXX, XXXX, and Equifax to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/ case number : XXXX. There is only a XXXX XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.
Consumer complaint received 2024-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (DC)

the last date I reached out was XX/XX/2024. I paid an amount of XXXX and was told my account was being placed in collections. this was odd to me and they had me locked out of my online account as well so I can't pay anything online. I then tried this is the same day, I tried to have them redeem the account or reduce the amount due to be paid to avoid collections. they said it wasn't anything they could do because my account was already sent to collections. I told them send me everything in writing. I received nothing. they have called me over XXXX times since then. I spoke to them on XXXX/XXXX. letting them know again to send it in writing.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CO)

A loan was taken out by an ex spouse. The ex spouse listed my information as a co-signer. 

We were divorced and part of the final decree was that she be solely responsible for the debt. 

I contacted the loan servicer ( Nelnet ) and was given an email to forward the final decree to so that they could remove me as a cosigner. I emailed them on XX/XX/XXXX to have them remove my name as cosigner on the loan. They never responded and I have emailed them on XX/XX/2010, and XXXX with no response whatsoever received from them. 

I have also submitted a dispute to all three credit bureaus to have my name removed. They have " disagreed '' with the Judge 's final court orders according to the credit bureaus.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction with the handling of fraudulent items on my credit report. Despite my numerous attempts to address and rectify this matter, the fraudulent items persist, and it is disheartening to note the lack of resolution. 

Clearly outline the fraudulent items on your credit report, including the account names, dates, and any other relevant details. 

Provide a concise summary of the steps you have taken to address the issue, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, emphasizing the need for a thorough investigation and the prompt removal of the fraudulent items from your credit file. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. Iam asking for your assistance to remove these fraud items : 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 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I had used a loan through Toyota Financial to purchase a new Toyota Tundra from XXXX XXXX Toyota in XX/XX/2020. While speaking to the sales representative and the financial representatives, I was coerced into buying an additional security package as well as extended warranty/service items. 
After probably a month, I felt like I made a mistake by purchasing the additional bundles and I contacted Toyota at XXXX XXXX several times to rectify the issue by cancelling the services. One, I made numerous attempts to contact my sales representative, to which she never replied, and had to make several trips to the dealership to speak with someone. 
I was told that the security package was nonrefundable, and that the extended warranty services were refundable but that XXXX XXXX would not be able to do it for me and that I would have to take care of it on my own. Eventually I was able to convince them to submit the paperwork on my behalf, however my monthly payments remained the same. 
I was then stationed in XXXX and was unable to get any confirmation from XXXX XXXX whether my additional bundles were cancelled. 
Additionally, I was also promised an installation of a rear sway bar as part of my deal, but XXXX XXXX never fulfilled this requirement.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc. (LA)

My credit was ran by XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I did not authorize these inquiries. It is being reported on my credit report without authorization and I would like this inquiry removed from my credit report.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

This started around a year ago if not a little more. Calls came in from spam likely and the representatives refused to identify themselves just that they were collecting a debt. I've referred to how they've attempted to collect this as mafia-esque tactics due to how ridiculous it's gotten. 

After telling them to get bent because they refused to identify themselves I didn't hear from them until very recently when I got a letter stating that a default judgment has been made in a case against me. They state that because a roommate ( whom I have no relations to at all and additionally was in the process of trying to settle legal action against ) accepted a document and then proceeded to never tell me about or give it to me that I have been served. 

When presenting the very obvious argument that when it comes to taxes a " household '' defines the FAMILY that lives with you, I do not file taxes and include my roommates as my " household '' so they should not be able to accept legal documents in my behalf. The wording of the law regarding serving paperwork is very clearly intended to state that it can't be handed to someone's XXXX XXXX XXXX child. It has to be an adult who is part of the household and therefore a reliable party to deliver the paperwork to. A random roommate does not fit that criteria. 

Since then I've been in continued contact with their lawyers who repeatedly tell me everything is just my opinion and they're following the rules to a T ( allegedly ) so there's nothing I can do unless I want to find a lawyer and navigate through the legal system to push back. 

The lawyer then eventually decided to stop emailing me despite my stating I wanted to keep communication digital following his refusal to pull up a previously recorded phone call. He claims that he remembers exactly what was said so there's no need to. In the same conversation he stated that he has a lot of conversations and can not remember every detail of every conversation which was what prompted the request for a call review to begin with. 

They've refused to escalate my case, and just continue to make it seem like they'll ruin my life over a couple of XXXX dollars. 

From the beginning I've maintained that I'm perfectly willing to make a payment offer, but I want to validate they own the debt and get a clear amount of what's owed as they state they have multiple accounts and the 240 page document nowhere seemed to state clearly " this is the amount you owe us ''.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp. (NC)

I went to buy XXXX XXXX from XXXX XXXX XXXX XXXX, NC in XX/XX/2023. After my XXXX XXXX checking I was informed over phone that they will honor the promotional 5.49 % XXXX for the car. The salesman again assured me the XXXX will be 5.49 % when I went to the dealership. When I was there to sign my paper works, the finance person rushed me to sign paperwork that had about a XXXX increased price than which was shown at the beginning by the salesman. After I caught his lie he got angry and misbehaved with me and my friend. I did not leave as they already did credit inquiry and I paid non refundable down payment. Then he offered me a service and again lied about the charge. When my friend said total price do not add up. He told my friend to stop talking. He tried to bully me to buy random insurance packages. At the end I declined to purchase the package. He gave me paperwork and the monthly payment was about XXXX $ higher than expected. I just wanted to leave the dealership, so I signed. After several months I wanted to check why its higher, I realized he increased the XXXX to 5.53 %. I felt cheated and being scammed by the dealership. I left with very bitter experience and felt helpless as I do not have any proof to show their lie and misbehaves. No one saw this incident as they do these paperworks in closed door.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (OH)

I received an email stating that the company that purchased this debt CKS Prime uses ( XXXX XXXX XXXX ) which seems to be the company CKS Prime uses their accounts for a one-time payment of {$280.00} plus the processing fee, which was paid to this company on XX/XX/2023. They received this payment they agreed to as a paid in full payment and are now trying some XXXX XXXX to get more than the original amount was. I was only informed of this after requesting the account be removed from my credit report after CKS Prime got their payment they agreed to. CKS Prime seem to be trying to take advantage of people that are down on their luck and as CKS Prime will send out emails offering to settle for a onetime payment which seems to be false / flat out lying to someone.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

Opened a new credit card with an advertised bonus sign-on promotion. Card was locked for a reason not disclosed, and I was prevented from qualifying for the promotion. Bank would not offer disclosure, assistance. or flexibility.
Consumer complaint received 2023-11-21
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 writing to bring to your attention my ongoing dissatisfaction with the handling of fraudulent items on my credit file. Despite multiple attempts on my part to rectify the situation, the fraudulent items persist, and I find the repeated lack of resolution to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-05-05
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. (CA)

XXXX   XXXX   DELAWARE did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCP A 807. False or misleading representations [ 15 USC 1962e ] As  they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against Equifax,   XXXX    &  XXXX  for not investigating nor responding to me as well, and taking no action when  BARCLAYS  BANK DELAWARE did not reply.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.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