davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: General Motors Financial Company, Inc. (NC)

I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the GM Financial account to be removed from my account.
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate XXXX XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2017-10-05
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. (DC)

On Sunday XXXX XXXX I called Citibank Master Card department to inform them my credit card was compromised and reported 9 fraudulent charges. Please keep in mind the 9 charges took place in XXXX DC ( my permanent residence ) concurrently while I was on travel to XXXX XXXX. Their fraud department should have picked this up and frozen the account immediately. Citibank should have also notified me regarding the suspicious activity. However, I was the one that notified the Citibank credit card. The account representative took down every fraudulent item and assured me that I was not responsible for those charges and would be receiving a new card by Tuesday XXXX XXXX, XXXX. 

On Wednesday XXXX XXXX, XXXX I check my account on line and I have a new credit card with all the fraudulent charges still active which I reported on Sunday. I called Citibank again and was told that the Citibank representative on Sunday did not flag the 9 fraudulent charges. I was told to repeat them again and spent another hour on the phone reporting fraudulent charges for a second time.

I am writing today regarding a formal complaint that this institution ( Citibank ) be investigated for not responding in a timely to fraudulent charges to not being proactive with their fraud department and for not protecting my financial interests. I have lost all trust in Citibank to perform their duty to protect me and my credit card account. To date I have neither received an e-mail or written confirmation that they are correcting my account regarding the fraudulent charges I 've reported twice to Citibank.
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

Hello- I am part of the XXXX XXXX XXXX XXXX automatic discharge group. I received my borrower defense approval letter XXXX XXXX. Per the settlement agreement my loans are to be discharged, off my credit report, and any payments made and tax garnishments are to be refunded to me. All of that needed to be completed BY XX/XX/2024. That being said they have failed and missed the deadline. This has put my life on hold and deteriorated my mental health. There is a constant back and forth of finger pointing between my servicer, Nelnet, and the DOE. I can provide any documentation that is needed to investigate this issue! 

Thank you, XXXX
Consumer complaint received 2024-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

On XX/XX/XXXX I made a cash deposit into my Chime checking account. It was successful. I verified the deposit in the Chime application the same day. I then attempted to transfer {$200.00} from my Chime checking account into my Chime Savings account on the same day XX/XX/XXXX. This was an intra-institutional transfer that usually is instantaneous. The money was shown as leaving from my Chime checking account but not reflected in my Chime savings account balance. I attempted to call Chime customer service around XXXX XX/XX/XXXX and was told by a Chime customer service agent that my issue would be resolved within XXXX hours from the end of the call. XXXX hours later I made several more attempts to Chime customer service because the issue has not been resolved. I was still missing {$200.00} and had been denied access to my money for almost XXXX hours. As of writing this no remedy or relief has materialized from Chime despite admission of fault by Chime representatives.
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc. (GA)

Retained Paysafe Merchant services on XX/XX/2020 to handle payment processing for my company. On XXXX 2020 and XX/XX/2020 my company processed 4 business transactions, on XX/XX/2020 I was informed by their Risk Department that I needed to provide 3 months bank statements, proof that the customer authorized the charges, and Invoices. I sent the documents that were requested and contacted directly Ms. XXXX XXXX Operational Risk Analyst and advised everything was fine only to be advised the next day that my account was being closed due to inconsistences which she refused to provide information on sayting she does not have to disclose the information, I then got the sales rep on the line with us and she additionally was very rude and unprofessional to her colleague as well holding the same position even after being informed that my company had checked out as well as the company banking account. I also received a called from her supervisor XXXX who was even more unprofessional and refused to put me in contact with her supervisor. Their actions as well as the company has caused my company financial harm by causing me and requiring my company to issue a refund to the client and refusing me services that were promised via agreement.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (PA)

Wrote letter on XXXX to SYNDICATED OFFICE SYSTEMS that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of XXXX XXXX XXXX ( A ) ( XXXX ). This law requires all creditors and XXXX to notify me by mail before placing negative items on my credit report. Advised SYNDICATED OFFICE SYSTEMS to removed incorrect information off my credit report. More importantly, SYNDICATED OFFICE SYSTEMS are in violation of XXXX XXXX XXXX ( A ) ( XXXX ). Never received any correspondence from SYNDICATED OFFICE SYSTEMS.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

I had XXXX transactions with Citibank, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX, both for XXXX XXXX. I contacted the hotel since the guest I paid the reservation for became ill due to substandard conditions at hotel, but they offered no compensation and were unsympathetic. I contacted the corporate office, they didn't respond either. And I disputed the amounts with my bank, but after offering provisional credits they subsequently reversed them.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

To whom it may concern, I'm just now finding out that my name was on the website for Equafax Data Breach Settlement Lawsuit # XXXX, but the deadline to file a claim ended on XXXX XXXX. What can I do, knowing that my information was sold and bought illegally because I was a victim of the Equafax Data Breach. Please help with this situation. 
Thank You XXXX XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I was contacted by IC System ( Debt Collector ) about a {$40.00} debt that was owed to a Cable provider ( XXXX ). They had the wrong address on file and had an incomplete last name and wrongly spelled first name on file. They said I owed a debt from XX/XX/XXXX but said the actual amount was for equipment in XX/XX/XXXX. I did not use any cable equipment in XX/XX/XXXX. I contacted my cable company ( XXXX ) and they said they do not see any outstanding charges under my name. I believe this may be someone else 's debt because the address was wrong and the spelling was off. I am worried about my credit score and will be taking appropriate steps to contest this charge. I do not understand why I am being notified about a debt date marked as XX/XX/XXXX but it references XX/XX/XXXX equipment. Account number referenced was XXXX
Consumer complaint received 2017-10-05
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. (FL)

Equifax recently started reporting a joint installment sales account under the name " XXXX '' to my credit report and this is not my account. It is being reported as a past due debt of {$630.00} with account number # XXXX. This has never been on my credit report before until recently. I am constantly monitoring my credit for fraud so I got on top of this the moment I discovered this was on my credit. It appears to a be financial advisory firm in XXXX XXXX. What is strange is that I have never lived in XXXX in my life. I have only lived in XXXX XXXX and now XXXX XXXX. My credit report and address history can confirm this. I called this company at the XXXX number provided on my report and they could not find any accounts in my name nor in my husband 's name. Knowing this information, I know that Equifax is clearly making a mistake. The person who assisted me told me that I would need to dispute this mistake with Equifax to get this off my report. This is the reason I am filing this complaint.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TomoCredit Inc. (FL)

I have never had a Tomo credit card, used or possessed one, I have disputed this before and it was removed by all the credit bureaus except for XXXX which removed years ago but has put it back on my credit report this month.
Consumer complaint received 2022-03-31
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. (MS)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment
Consumer complaint received 2024-04-20
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. (ME)

I have filed disputes into the accuracy of payment history through Equifax and XXXX regarding my XXXX XXXX XXXX mortgage account. Regardless if XXXX reports to these companies now both credit monitoring bureaus are suppressing the account from my credit report because XXXX is failing to respond to active disputes. 

I would like XXXX to prove they have in fact responded to active disputes through XXXX and Equifax. The agencies have told me since XXXX has not responded to the disputes the account will remain suppressed until they finally respond. The XXXX dispute was from well over 6 months ago. After XXXX  days XXXX begins to suppress the account from a failure of the creditor to respond. A similar policy is held with Equifax. 

XXXX must respond to disputes with both agencies to allow the account to appear on my credit report again. 

I reiterate -because of XXXX failure to address this in a previous complaint- I am NOT arguing the accuracy of my paymeny history on this complaint. I am arguing that XXXX has failed to respond to disputes on Equifax and XXXX which have caused the account to become suppressed regardless of if they continue to report the account or not. They MUST respond to disputes as they have intentionally failed to in an effort to damage my credit score. 

The documents I've provided show all of my active accounts minus XXXX which is active but suppressed from their lack of response to open disputes.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovis (GA)

Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. 
Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) XXXX 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (WI)

I would like to sell my house, that I purchased in XXXX, for {$210000.00}. I requested a payoff amount and according to SN Servicing Corp., the balance due is more than {$210000.00}. After 18 years of payments, how can my balance be more than my purchase price? In XX/XX/XXXX, the mortgage servicer ( XXXX XXXX ) sent me and the IRS documentation that stated my mortgage balance was just over {$120000.00}. When I started asking questions about XXXX stating that I had missed payments, instead of answering my questions, they sold/transferred my mortgage to SN Servicing Corp. How can my mortgage be over the amount I paid for it in XXXX? If the mortgage was sold/transferred for {$170000.00}, how am I responsible for that amount, when me and the IRS have the same written documentation from my previous servicer, that says my balance is {$120000.00}?
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC (CO)

Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX  balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc. (CA)

My first attempt was through disputing my credit account with XXXX and XXXX and XXXX did delete the account but XXXX verified as accurate. Then I called directly to COMMERCIAL TRADE INC to tell them it was an inaccurate charge and they said not according to their company so they sent me all the unpaid invoices. So I called back and asked them to show me proof of me authorizing that work and that's when they didn't have nothing to say. 
This is a false account and Commercial Trade INC knows it and XXXX. I am here to submit this report so XXXX can know it as well and delete it off my account.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CO)

My PayPal account listed under my email address XXXX received three deposits from mine and my fiancs Federal XXXX on XX/XX/XXXX which put my credit balance at {$2700.00}. I was told by PayPal that they would hold my money for 180 days to make sure the deposits were legitimate! They were supposed to email me after the 180 day hold to advise me that my money was available, but never did. I attempted to transfer the funds to another bank account since XX/XX/XXXX only to learn through a call to their customer service that they had to investigate where the funds came from! I told them it has been over eight months that they have held my money and I wanted it! They then put a freeze on my account and refuse to give me my money. The money is obviously legitimate as they have sat in my account for over eight months and no one has tried to reverse the deposit! I want my money plus interest!
Consumer complaint received 2017-10-05
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: CITIBANK, N.A. (SC)

There was a credit card bill from Citi Bank national for the amount of {$3600.00}. I found out about this when they severed a court order XXXX XXXX XXXX. I 'd submitted an answer stating I do n't have any knowledge of this account. We went to court and XXXX XXXX Dismissed without Prejudice on XXXX XXXX, XXXX. It was not been removed from my credit report. I can submit the court documents if need be.
Consumer complaint received 2017-10-05
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. (GA)

PUBLIC RECORDS HAS XXXX ITEMS, XXXX YRS IS HERE AND SHOULD BE REMOVED FROM EQUIFAX CREDIT REPORT Reported on XX/XX/XXXXDischarged XXXX SECONDLY,, XXXX XXXX Account Info ERRONEOUS INFO, NO ONE WILL LET ME KNOW WHAT THIS IS.. 
Reported onXX/XX/XXXX BALANCE {$520.00} XXXX Date Filed Reported onXX/XX/XXXX