davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX i sent Equifax a certified letter inquiring about a public record listed on my credit report this letter was delivered XXXX XXXX. Equifax then responded that this account was accurate and verified by their source XXXX XXXX shocked by this information i contacted XXXX XXXX they have removed this information XXXX XXXX and sent me an update. Equifax removed this public record from my report and then added it back without sending me an update or notifying me. I then contacted Equifax XX/XX/XXXX requesting that they delete this account from my credit report due to their Method of verification being invalid because their resource is no longer valid XXXX XXXX is not reporting a public record. They then responded again saying that this account was verified by XXXX XXXX. On XX/XX/XXXX i contacted Equifax again explaining to them that their resource is invalid and to delete this inaccurate public record from my credit report this letter was delivered XX/XX/XXXX. XX/XX/XXXX they still responded again that it was verified through XXXX XXXX a company that IS NOT REPORTING THIS INFORMATION. On XX/XX/XXXX i sent a letter to Equifax to dispute this public record for being inaccurate. Also i have contacted them multiple times about accounts that are inaccurate they have not provided me with their method of verification or paperwork for those accounts.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

In the recording with the fair credit reporting act conversion account number XXXX XXXXXXXX XXXX XXXXXXXX and account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1518 section 602 a state I have a right to my privacy 115 U.S.C 1618 section 604 2 also states a Consumer reporting agency can not parish XXXX account with out my writing construction.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc. (NJ)

I had a eye procedure done at XXXX XXXX XXXX, i was told {$5000.00} covers every thing including follow up visits to see how the eys are healing however the Doc office charged me {$180.00} for each follow up visit which was agreed that the procedure include all and later they sent to debit collection agency.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (IA)

This was not sent is error i am a consumer by law and my information as misused and now I have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CITI balance {$0.00} account # XXXX 30 days late in XX/XX/2021.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023
Consumer complaint received 2018-10-31
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. (FL)

**The defective five XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX for the return was delivered on Tuesday XX/XX/2018 at XXXXXXXX XXXX  and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 


**The three defective XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 



**The two defective XXXX XXXX XXXXXXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX   Tracking Number XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 

**The defective XXXX XXXX XXXXXXXX XXXX gift card was returned via XXXX as requested by XXXX Customer Service . The XXXX XXXX XXXX  XXXX XXXX XXXX for the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the dispute in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ).
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I am requesting this matter be resolved by XXXX XXXX at AmeriHome as she was previously working on my previous complaint. This complaint is directly related to my previous complaint, involving AmeriHome Mortgage case number : XXXX. 

I have and continue to pay my AmeriHome Mortgage loan on time, under the loan modification trial terms as agreed, yet AmeriHome has now erroneously reported that I have missed payments with regards to my loan and has reported these errors on my credit profile. 

This is hugely disappointing given that I previously thought this matter was resolved by XXXX XXXX at AmeriHome Mortgage, but now these issues are continuing in violation of the law under the CARES Act and COVID-19 Forbearance that is in place to protect consumers from this very thing from happening. 

I am requesting this matter be resolved immediately, and the erroneous late payments be immediately removed from my credit profile as they are not accurate and invalid. This matter is now putting in jeopardy my application for a HELOC that I recently applied for and must be dealt with immediately.
Consumer complaint received 2022-03-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (PA)

My credit score was XXXX when I went to purchase my vehicle. The leasing company used an old credit score of XXXX. I was given a loan rate based on an old score, not my then current. I call the company and they said I had to reach out to XXXX XXXX, I was denied any further investigation. Date of purchase was XX/XX/20.
Consumer complaint received 2022-07-11
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2022, my account was charged {$730.00} by XXXX XXXX. I reported this charge as fraudulent on XX/XX/2022 and my phone records prove this call. I called XX/XX/2022, to confirm why this charge was not suspended and discovered that I had been incorrectly charged late fees and missed payment fees. Barclay had failed to mark this charge as fraud. This XXXX charge should be suspended, and these late fees and missed payment fees should be removed.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NC)

hi i deposit 2 check to wells forgo account the first one was amount XXXX its should be release by XX/XX/2022 now they holding this check until XX/XX/2022 also 2nd check which is my pay check its should release by XX/XX/2022 also put hold on it until XX/XX/2022 when called the bank they said funds are not available i contact my employer the check cleared from there end called again wells Fargo now its suspicious and I'm with wells Fargo for over 12 years
Consumer complaint received 2022-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OH)

Aidvantage just took over in XXXX the XXXX Student Loan I have for my daughter 's college from the previous loan processor that was assigned by the government ( XXXX ). It's in deferment because she has not yet graduated. They've had my loan for 2 months - XXXX and XXXX. I've been making payments of {$500.00} every two weeks since they got my loan, EVEN THOUGH I AM NOT REQUIRED TO PAY ANYTHING because the loan is in deferment AND there is currently no interest being charged to it. My first payment was XXXX XXXX, next was XXXX XXXX, and again on XX/XX/XXXX. When I logged into my account on XX/XX/11, there was a past due charge of {$5.00} on my account, with no explanation. I've not received any notices from them about a past due fee. Then when I searched through the information on my account ( which was no small feat ) I found a {$1.00} per month service charge was being applied to my account. I was not informed about this fee, and furthermore, they've only had my loan for 2 months, so how are they charging me for 5 months?! They have not responded to my emails about this. In addition, my account number is nowhere to be found on this website and if I didn't have the ONE letter they have sent me since taking over my loan, I would have no idea what my loan number is. That letter also does not say that I will be charged a monthly fee now that they have taken over my loan. I do have the letter from XXXX that says " nothing about my loan will change. '' I take that to mean there should be no monthly fee attached to it. The single letter I've gotten from Aidvantage also affirms that the " terms of my loans will stay the same. ''
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

Back in 2014 I contacted XXXX XXXX XXXX to start a new service, when I received the bill the charges was ridiculous and I had a bill from XXXX XXXX  that I did not sign up for. I was calling XXXX XXXX XXXX for its u-verse services. I was not happy with how things was going so I contacted the BBB to help ( BBB complaint Case # XXXX ). This issue was supposed to be resolved to my knowledge. I paid the outstanding balance and took my business to another more honest provider. Now 5 years later I have a collection notice on my credit report that has reduced my credit score significantly. This account was sent to collection for equipment that I returned and an early disconnect fee that I shouldnt have been charged for a service I was unaware I was receiving.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NY)

I initiated a balance transfer for the sum of {$1200.00} from my AppleCard to a XXXX card on XX/XX/22. The balance transfer was completed and posted to my XXXX account on XX/XX/22. As it seemed like the transfer was taking a bit longer than usual for the payment to be posted to my apple card, I did some research and discovered that Goldman Sachs ( the bank that handles the apple card ) does not accept non-conforming payments, which I came to understand was what my XXXX balance transfer check qualified as. In order to remedy this, I requested the balance transfer be canceled with XXXX. However, they informed me that canceling the transfer was not possible as Goldman Sachs already cashed the check. As of XX/XX/22, Goldman Sachs denies that they received a payment from XXXX. I have reached out to Goldman Sachs multiple times requesting that someone please look into this issue, but no one has helped. I have confirmed with XXXX verbally, electronically, and through the mail that Goldman Sachs has, in fact, cashed the check. XXXX has provided me with a copy of the check and a letter stating that the check has been cashed. I have reached out to Goldman Sachs multiple times, and they repeatedly deny that they have received a check to be applied to my Apple Card balance.
Consumer complaint received 2018-10-31
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: EQUIFAX, INC. (CA)

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Consumer complaint received 2018-10-31
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

One main financial sent a loan check in my name to an address I dont live at. A person with the same name as me does live at that address. That person cashed the check. I have reported to the credit bureaus and to Onemain that this is not me. I submitted a letter to Onemain at one of their offices with my signature on it for a comparison to the check endorsement. I have spoken to Onemain since then and was assured this would be taken care of.
Consumer complaint received 2018-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

Hello, I am a XXXX at a top-tier university and was trying to consolidate my downpayment in one account-Citi Priority checking account for a home purchase. I deposited XXXX over three days from my XXXX  and XXXX  XXXX XXXX accounts to my Citi Priority checking account. They froze my account and terminated my account with no notice. I was about to lose the home we were ready to purchase due to this inconvenience. I want to understand my rights, and how they can disable my access to my hard-earned savings. I attempted multiple times through phone, visiting a branch, and talking on chat but no respect and luck. I am willing to learn what are my legal rights and complain about this disaster operation that Citibank conducted
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This item was removed by all credit companies and is now showing back up on my credit report. Please remove this item. Its not mines Documents have been submitted over 10 times. This item was removed and they passed it to a different debit collector. The item was removed for fraud. So they cant do that.. PLEASE UPDATE MY PERSONAL INFO AS WELL
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-31
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: EQUIFAX, INC. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I send the three letters to validate my information And they havent sent me any proof that shows that I owe that amount The first letter was sent on XX/XX/2018 XXXX XXXX  sent the letterThe second letter was sent on XX/XX/2018The third letter was sent on XX/XX/2018 to experian I send All the letters certified
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (VA)

Since early XXXX, my wife and I tried numerously times to use our jointly owned checking account debit cards to make about {$4000.00} purchase at XXXX. When it was first declined due to a block, I called and was told, after verification, the block has been removed. So I went back to use the card and was surprised it was blocked again. Next time, I called ahead of time before heading to XXXX and I was told the purchase has been noted and it will go through. It was declined again. So I have to call and get it unblocked. This cycle went on for many many times and so far, I still can not use the card. Each and everytime I try to use it at XXXX or XXXX, I got declined due to temp block. I communicated numerously times with customer service. Each call take about 15 minutes. Was assured it would work but only to find out it is declined again when I try to use it. I think the bank is purposely holding my money without letting me have access to my money and that doesn't sound right. I demand an investigation.
Consumer complaint received 2022-03-13
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. (NJ)

A charge appeared on XX/XX/XXXX on my statement for {$220.00} from a company called XXXX. They are a delicatessen near where I work where I often get a salad and soup for lunch. They are a high volume place around lunchtime and just cycle you through without giving a receipt. They just take your card and run it. 

When I saw the charge I informed Citibank that the charge was incorrect. They deigned my dispute because : " We have reviewed the information you provided regarding your dispute. 
Without a valid credit slip, we are unable to intervene on your behalf with the merchant or their bank. '' By that standard, I would still be responsible if they had input {$22000.00} instead. I can't prove a negative. The merchant, however does have a cash register record and could see if a {$220.00} charge occurred or not. They won't even contact the merchant to see if they dispute the charge.