davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit 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. (SC)

This complaint involves that Citi Bank in that they charge my credit card {$5100.00} on XX/XX/year> and {$1200.00} on XX/XX/year> Totaling {$6300.00} to Holiday pay XXXX XXXX, Nevada for a merchant located in XXXX XXXX, XXXX, These transactions were dependant on the merchant purchasing our property by XX/XX/year> for & XXXX and marketing for {$17000.00} totaling {$97000.00}. A written into contract between the merchant and XXXX. When the merchant failed failed to buy our property by XX/XX/year>, we considered all previous transactions to be fraudulent simply stated the merchant ask us to buy their property first and then he would buy our property after, When the time came they did not fulfill their end of the contract The merchants involved are A XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their affiliates, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX XXXXXXXX XXXX Nevada. As soon as we became aware of this fraud XX/XX/year> we reported this to Citi Bank and provided them with copies of contract and other documentations. However the bank continue to accept the word of the merchant that the transactions was legitimate. The bank also claimed that we waited too long to report the incident, But our position is that the transaction was no longer legitimate when we became aware that they had no intentions on buying our property, It is that the merchant deceived us by delaying his purchase of buying our property to make time to reporting a complaint null and void. But we believe that we reported to the bank this fraud as soon as we became of fraud. A Boutique is stating that they are not returning our money and cancelling our membership because we have a balance due. We pay the contract in full by maxing out our credit cards under the assurance from XXXX XXXX that we would receive the money by the end of XX/XX/year> in the amount of {$97000.00} to pay off our credit cards. XXXX XXXX  was able to recoup {>= $1,000,000} for us and that is why A Boutique claims we have a balance. Now A Boutique is keeping our money in total of {>= $1,000,000} this includes another credit card I used to pay off the contract. We are paying for their timeshare for which we do not own. Since then I had to do several balance transfers so my credit would not go bad and this has caused me a financial burden. At the time I issued my credit card these transactions were legitimate but when I realize that they were scamming me and committed fraud it became illegitimate. 
thanking you XXXX XXXX
Consumer complaint received 2022-12-02
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. (TX)

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXXXXXX  Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXXXXXX  Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Consumer complaint received 2022-11-29
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MEGASTAR FINANCIAL CORP (MN)

When closing on our house we were told we could " buy back '' interest rate points to get the interest rate back down to our original quotes. The rate was supposed to be 2.75 % but we ended up at 2.875 %. The cost to purchase those points back was around {$1200.00} I believe and the breakeven ended up being about every 6 years. I texted XXXX XXXX at XXXX  XXXX XXXX XX/XX/XXXX about having that ability to buy back those points and expressed that we wanted to do that. On XX/XX/XXXX I expressed it again that we would like to buy those mortgage points back and he said he was going to hold off on making any changes until an amendment was finalized for the sellers paying more at closing. This went on a few times with various calls/texts/emails. Coming up to closing I asked again, when we could buy them back but he said it was now too late and we could no longer do that. XXXX let this fall through the cracks even after multiple attempts to purchase these points back. I believe this will cost us $ XXXX over the length of the loan not including the loss of interest we could have acquired with that money. He later expressed it wasn't a good idea to buy them back anyway unless we planned on staying in the house for over 6 or 8 years, which we obviously do plan on doing. 

The Loan Officer is XXXX XXXX. Property Address is XXXX XXXX XXXX, XXXX MN XXXX. Closed XX/XX/XXXX. XXXX XXXX {$350000.00} and loan amount of {$330000.00}. 

Loan Officer Megastar Financial XXXX ( XXXX ) XXXX XXXX XXXX  : # XXXX
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

I got federal loans and pell grants but I was denied access to these unless I gave them info I didnt have. Equaled to about XXXX a semester so now Im in debt of XXXX because they wouldnt let me collect it to pay of semester bill now I cant register, get my transcript, or receive these loans because of them.
Consumer complaint received 2024-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX failed to Provide me with evidence that I gave them written instructions to create a credit profile on my behalf. which by law they would have needed to furnish a report on, a fraudulent consumer report has been created using my personal information. 
Proof of XXXX violation of 15 U.S. Code 1681b ( a ) ( 2 ), which is considered aggravated identity theft under 18 U.S Attached to this default notice, legal notice and demand are original creditor 's personal identifiers Also Attached are certified copies of XXXX filing as evidence. All debt obligations of the XXXX, XXXX XXXX, are owned by XXXX XXXX XXXX is acting as XXXX for XXXX XXXX NOTICE OF XXXX26 U.S. Code 6903 - Notice of fiduciary relationship ( a ) Rights and obligations of fiduciary Upon notice to the Secretary that any person is acting for Another person in a fiduciary capacity, such fiduciary shall assume the powers, rights, duties, and privileges of such other person in respect of a tax imposed by this title ( except as otherwise specifically provided and except that the tax shall be collected from the estate of such other person ), until notice is given that the fiduciary capacity has terminated.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

On  XXXX   XXXX  I mailed a check in the amount of {$2700.00} to  Macy 's   XXXX   XXXX  , to be paid towards my credit card balance. For  3  weeks I waited and they told me they never received it. On  XXXX   XXXX    XXXX   I called my bank and they said  Macy 's  cashed the check on  XXXX   XXXX    XXXX  . It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called  Macy ' s back to see if they received it. They said they 'll need to investigate and it could take up to  2  billing cycles  ( 2 months )  to get it corrected. I severely needed this check to go through to  Macy ' s as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.     I JUST FILED A COMPLAINT THROUGH THE CFPB AND WAITED AND WAITED UNTIL I FINALLY HEAR BACK FROM  MACY ' S AND THE CFPB REFERENCED THE WRONG ACCOUNT!!!! MY ACCOUNT NUMBER ENDS IN  XXXX .     NOT  XXXX !!     CORREC T MACY  'S ACCT NUMBER -  XXXX
Consumer complaint received 2017-05-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards
Consumer complaint received 2024-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I received an email inviting me to submit an application of school misconduct on the basis that I'd previously contacted my servicer ( Navient ) about discharging XXXX private loans opened during the period of time that I attended XXXX XXXX  ( i.e., XXXX  XXXX  ) in XXXX XXXX. XXXX subsequently closed due to being found guilty of defrauding and misleading the public about their job placement rates and amount of money their students would earn compared to students attending other schools. My application was denied stating that I did not meet criteria to have my loans discharged. I contacted Navient about getting a better explanation of the criteria that I did not meet. After several rounds of contacting them, I was finally furnished a letter which stated their was no evidence that I was harmed despite me submitting evidence that my federal loans opened by this school was fully discharged based upon my attendance during the years that XXXX XXXX was found guilty of misleading practices. The school that I attended used high pressure tactics to lure me into XXXX private high variable rate loans that I have been stuck paying on 20 years later and have not defaulted on because I am conscious of my credit. The loans that I opened were approximately XXXX, and XXXX respectively. Today, I have a balance greater than XXXX, yet Navient says there is no evidence of harm. Navient decided to forgive student loan debt for certain XXXX XXXX borrowers but only if they defaulted on their loan. I was not apart of that group because my loan was current. I have attempted to get someone to contact me to help with me appealing the denial. The contact phone number to the Navient Client Advocacy team is never answered by a live person. It is a voicemail box that requires borrowers to leave a message and wait for someone to call you back. This almost never works out if they call you back at all. I have been attempting to resolve this issue for a few months. I think the decision was baseless and unfair. Navient has already demonstrated their awareness of the fact that XXXX XXXX defrauded borrowers with loans that they service ; however, they are unwilling to do the right thing by borrowers who continue to pay on these bad loans.
Consumer complaint received 2024-07-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bepensa Capital, Inc. (PA)

My name is XXXX XXXX, I see a lot of inquiries on my XXXX XXXX but I dont recognize and I never authorized, please I want you delete all inquiries please. Thank you so much for your help!!
Consumer complaint received 2024-03-27
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. (TX)

I reviewed my credit report and noticed these fraudulent accounts were reported by these third-party companies without my authorization. I have never done any business with these companies nor have I the consumer given these companies written or verbal consent to share my nonpublic personal information with non-affiliate data-furnishing companies. these companies are not only violating 15 U.S. Code 6802 and The Family Privacy Protection Act of 1974, but it is also preventing me from obtaining credit for my personal and household needs.
Consumer complaint received 2024-06-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken (NY)

I transferred money from my bank account to Kraken XXXX app. I was able to convert some currency from USD to XXXX and send it to a friend. Then I transferred another XXXX $ USD to Kraken and send a larger sum. This conversion we allowed but the sending of the XXXX was denied and i was told to contact support. Support escalated my claim ( Request number XXXX ) and i was contacted via email that my account was being closed without explanation. I requested information as to why the account was being closed numerous times and each time i was told that i cant be given the information as to why the account was closed due to " security reasons ''. They would not clarify further or show any security reasoning why i couldn't be told them. They closed my account but before the account was closed i was permitted to convert all of my money back to USD and send it back to my bank account. There were service/conversion fees involved in the transfers that i was NOT refunded and since i wasnt permitted to use their app/services to send money i feel this was a fraudulent account closes and they profited from the fees being charged. I would like to request an explanation why my account was closed or the exact security reasons why i couldnt be told this information. I would also like the fees refunded as the services were not rendered.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX and XX/XX/XXXX, I made a double payment, via my credit union XXXX XXXX, to BOA, in error, to pay off my credit card. I then had a negative balance. Since I had no intention of using this card for the foreseeable future, I requested that BOA return XXXX of my payments in the amount of {$1300.00}. On XX/XX/XXXX, they sent me a letter stating they had done this, but to date, XX/XX/XXXX, NO check has been received by my bill pay provider. XXXX XXXX XXXX has been investigating, but NO concrete info from BOA is forthcoming. Further, I met with a BOA representative on XX/XX/year>, in XXXX XXXX, AZ, and her own bank could not give her any concrete info other than I had to wait 30 days to see where the check went. Sorry BOA, but his is my money, sent to you electronically. Why do I have to wait for my money? I have spent hours driving miles and making calls to this organization that has NO regard for it's customers and can give me NO firm info on where my money is. I want my money back ASAP AND compensation for my time! I also want the bank 's antediluvian practices to be revealed and legislation passed to stop this stupid practice!. THEY WILL HAVE HAD THE USE OF MY MONEY, FREE OF CHARGE, FOR 30 DAYS! i WANT COMPENSATION!!!
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

A couple of years ago specifically some time in XXXX I disputed an account which was inaccurately being reported on my Equifax report. After not 1 but 2 disputes Equifax removed the XXXX XXXX XXXX account from my report. I also use XXXX for additional credit monitoring services as well as XXXX XXXX. Both companies XXXX and XXXX XXXX has the XXXX XXXX XXXX account reporting and negatively affecting my credit score. I contacted both companies and even filed a complaint against XXXX for reporting the account as it is not listed on my Equifax report. I came to the realization that both XXXX and XXXX XXXX are reporting information provided directly through Equifax. My problem stems from Equifax 's inability and/or unwillingness to correct the problem. Upon speaking with numerous customer service representatives @ Equifax I am being repeatedly told because the account is not listed on my report with them there is no recourse. I just need someone to explain to me how to correct this error. I have both XXXX XXXX and XXXX saying they're only reporting information provided by Equifax and Equifax denying culpability saying they can not report an account that is not in my credit file.
Consumer complaint received 2022-11-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I had a checking account at Investors Bank since XX/XX/XXXX. 
When Citizens bank bough Investors bank I was informed that my account will be closed in XX/XX/XXXX. 
Since that date I have not received the dollar check with my remaining balance on my closed accoun ( around {$2700.00} )
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed : XX/XX/XXXX Reference XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy Date Filed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX