davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

I am filing this compliant this because Equifax has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts, Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Pentagon Federal Credit Union ( PENFED ) continues to send blank checks in the mail to me via XXXX Mail 's " Presort Standard '', also known as " Bulk Rate '' or " Junk '' mail. It is incredibly stupid for PENFED to be sending blank checks in the mail, on my personal account, showing my name and address, via Junk mail. It is a huge risk to Identity Theft of customers. I have asked them repeatedly to stop this, but it continues. Today I called in to their XXXX phone number, and their rep was unprofessional and disinterested, denying that they send blank checks in the mail by Junk mail. I have the evidence in my hands, and their rep continued to deny that they ever did this. This is totally unacceptable and I want it to stop.
Consumer complaint received 2020-10-18
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: Resurgent Capital Services L.P. (PA)

i had an account with synchrony bank on XXXX. it was opened in XXXX i made my pyments on time for purchases, until XXXX began trying to overcharge me on some items. attempts to correct the issue with XXXX accounting were unsuccessful in XXXX when this occurred. after months of back and forth nothing was resolved. in XX/XX/XXXX, i suffered a XXXX. i was unable to continue fighting with XXXX. in XXXX, when i recovered enough to get back on track, XXXX told me the account was closed and XXXX. i heard nothing from XXXX XXXX about this matter either. no attempts to collect. in XX/XX/XXXX i received a letter from LVNV collection agency. i conveyed this series of events to them. they ignored my attempts to correct this issue. snce it had been over 5 years since the account was opened it was no longer a valid dect per pennsylvania law statute of limitations. i was ignored again. then received notice of a magistrate hearing in XXXX XXXX i have a XXXX  XXXX on the phone and was unaware that i needed to respond other than show up at the XXXX, which i did. the representatives of LVNV funding did not show up. i was told because i did not inform the magistrate i would be there. it was rescheduled for a month later, but i was unable to attend. then i received a letter in XX/XX/XXXX stating that LVNV funding went to common pleas court and got a judgement against me. i had no idea there was any court scheduled, no one informed me. i again attempted to inform LVNV funding i am on social security and have no assets and my income is protected. never the less they have put this negative claim on my credit report. as i stated, they ignored all communications from me. my income is solely from social security and i am a handicapped senior citizen. i would like this removed since it was invalid to begin with having gone beyond the statute of limitations of 4 years.
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

Information Equifax is incorrect they deleted my current address XXXX XXXX XXXX XXXX XXXX AZ XXXX and replace it with the address of a XXXX XXXX XXXX XXXX this not or never have been my address see atachments. 
Also these XXXX Accounts are not mine please provide me with proof in writing How I these credit accounts belong to Me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Open {$82.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$82.00} High Balance {$23.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$40.00} Remarks Medical XXXX
Consumer complaint received 2017-05-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We are being giving the run around by the credit card company Bank of America. We have fraudulent charges againt our account from  XXXX  IL. We were able to get  a BOA e mployee on the phone long enough to look into charge and they removed  XXXX  of the charges not made by us. The problem is that there are several more and no w BOA is  giving us the run around.   We call into BOA several times. Today we called starting at  XXXX  on getting home from work it is  XXXX  and we are still being transferred and dropped. Even when we have tri ed to have them call back it rang our phone for less than a full ring before disconnecting. We have talked with nine people, had their line hang up on us four times. Giving the information that we are challenging to two or three people to have them ask us to wait and then have them hang up on us. I believe that they are practicing a program of discouragement to prevent us from resolving the false charges on our credit c ard.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

Hello, My husband and I filed bankruptcy on XXXX/XXXX/2016 and were discharged on XXXX XXXX, 2016. However, XXXX XXXX and XXXX XXXX XXXX reported that we had an " Open Account '' and were behind in our payments. They never reported that we were in an active bankruptcy and that the accounts were included after being notified by the bankruptcy court and our attorney. However, I called Equifax and they repeatedly hung up on me and never changed or removed the information after sending them in our discharge paperwork.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Credit Reporting, Inc. (MI)

Certified credit reporting 3 inquires 3 of 3 XX/XX/2023 I did not give permission to this company to run my credit report or access my credit this is fraud please remove now from all credit reports and to never do it again.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (OR)

I ordered a computer from Apple. 
I was told if I got the Apple Card I would get a 3 % discount on the macbook air. 
I was told I would receive a physical card in the mail if I requested it at the time of purchase. 
I requested the physical card at the time of purchase. 
Apple refuses to send me a physical card. 
Apple Card refuses to send me a physical card. 
They say I must use some app on my phone ( which I don't have and don't use ). 
I can not make payments through my bank without a physical card. 
The agent refused to identify herself except saying her name is " XXXX. '' Refused to provide any resolution. 
This is a scam.
Consumer complaint received 2022-09-04
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

This is continuation of the pending complaint. just to clarify information in addition to what what I submitted in the complaint. 

1. XXXX informed me that servicer can provide me the print out of chain of assignments on this HELOC from XX/XX/2012 onwards in the XXXX system. My record shoiws that several creditors changed hands from XXXX. 

2. Also certified copies of all endorsements of the HELOC Note each time HELOC was sold from one creditor to another from XXXX.
Consumer complaint received 2020-11-02
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: JPMORGAN CHASE & CO. (NY)

Chase Bank closed my account I disputed {$99.00} claim # XXXX card # ending in XXXX claim related to acct # in XXXX on XX/XX/2020. I received a letter saying Chase researched the transaction and agreed it was incorrect.
Consumer complaint received 2016-08-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have account on my credit profile from XXXX and XXXX on these accounts that on my credit the reporting agency is n't reporting accuracy on my profile.why is n't the credit bureau made to obey the laws their not above the laws they supposed to be governed by the laws If the fair credit reporting act 609 states that account should be 100 % accuracy why is these bureau allow to keep things on a person file that causing hardship in my life I been turn for employment due to the negative impact on my credit I feel I 'm being discriminated against due to in accurate information that being reported
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax claims that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank have stated that the account info is mine. On XXXX XXXX, I called all XXXX banks and all XXXX states that the investigations were ongoing so no information had been reported to Equifax as of XXXX XXXX, 2016. I called Equifax after getting off the phone with XXXX Bank and they claim the companies did verify the information and had no idea why they lied to me. When I asked for the verification they received, I was told that was not how the process worked and then was transferred to a supervisor who then asked me if a fradulent address appeared on my report and when I answered yes, I was told I need to talk to the fraud department. I thought I had talked to the fraud department the whole time. How are you allowed to hold people 's lives in your hands?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

I am the co-signer on a loan for my niece. She has stopped making the payments recently. They have started calling me sometimes 12-15 times a day, despite me contacting them repeatedly and explaining to them that I am ill on XXXX. I have on three occasions, given them the name and address of the bar my niece co-owns in Florida and have asked them to contact her for the money. She clearly HAS IT!!!! On the last occasion, the gentleman took my information to apply for hardship. I made a {$25.00} payment but the calling has gotten worse. Neither my niece nor my sister will help me out. I am SO STRESSED and so angry at my own family for this but there is nothing I can do. I want Navient to go after my niece for the money and leave me in peace. It is having an effect on my ill health.
Consumer complaint received 2015-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have asked AFNI for validation of this debt with zero cooperation from the company. XXXX was NEVER installed service at my property. They refused to come and run a line from the pole without an additional {$70.00} charge and I refused the additional charge so the service never even started. The equipment was dropped off at the XXXX office at that time. I do not owe this debt. They are negatively affecting my credit rating and refuse to validate with a SIGNED contract or ANY proof whatsoever that I owe them anything. This has been going on for over a year and I want this immediately REMOVED from my credit report.
Consumer complaint received 2015-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (LA)

I have XXXX late payments listed on my credit report because the monthly statements was sent to the wrong address.I have requested that all credit card companies sent my monthly statements to my XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX rather then XXXX XXXX XXXX, XXXX, Louisiana XXXX. The XXXX XXXX XXXX, XXXX, LA XXXX address is a box on the street which anyone can just come alone and steal mail out of this box on the highway.Send all mail to XXXX XXXX, XXXX, LA XXXX for security reasons so packages are not stolen if I 'm out of town on vacation or ill due to sickness.
Consumer complaint received 2016-03-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (IL)

I submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pendrick Capital Partners Holding, LLC (MD)

Ref # : XXXX has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name XXXX XXXX XXXX. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " XXXX XXXX Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 
As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that XXXX recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.
Consumer complaint received 2019-02-23
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: Capio Partners, LLC (OH)

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Capio Partners LLC,  XXXX, TX has placed several collections accounts on my credit report on behalf of a company called XXXX. I have been alerted to these incorrect postings each month through my XXXX XXXX  on my XXXX XXXX card. 

In XX/XX/XXXX, There was a past due amount of {$610.00}. I was able to get this removed from my XXXX  Report. I believe there was a second charge, but I can't find the paperwork to give you a past due amount. 

In XX/XX/XXXX, There were two past due amounts, one for {$260.00} and the second for {$200.00}. These charges showed up on my XXXX  & XXXX Report. These two charges were removed from my XXXX and XXXX Reports. I called the XXXX, and there was nothing from Capio on their report, thankfully. 

The lastest, XX/XX/XXXX, there are two past due amounts, one for {$140.00} and second for {$98.00}. I have placed a dispute with XXXX, it is not showing on the XXXX  report, and I need to need still to check my XXXX report on Monday when their offices are open. 

Additionally, an address for XXXX, OH keeps being added to my XXXX  Report. I'm in the process of disputing this as well. I have never lived in XXXX, OH. I have never received services at any XXXX  facility. I have never received a bill from XXXX because I have NEVER been a patient! 

To date, I have placed fraud alerts on all three of the credit bureaus. 

I have tried to contact Capio Partners, but no one ever answers the phone. I have left a message, but have yet to hear back from them. 

I have spent probably 12 hours in the last three months trying to resolve these recurring issues. I value my well deserved high credit score, but clearly, Capio is selecting the wrong person and placing negative information on my credit report. I want someone at Capio to look for the  correct individual and leave my record alone. 

Thank you for any assistance this bureau can provide to put an end to this issue.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (KY)

I have asked Equifax to correct my name and they have failed to do so. My name is XXXX XXXX. 
Equifax keeps sending me a response with : XXXX XXXX XXXX. That is NOT MY NAME. I need my personal information updated as I believe the other persons information is impacting my credit.
Consumer complaint received 2016-11-19
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: FC HoldCo LLC (CA)

XXXX XXXX called at XXXX from XXXX and left a message by XXXX on my cell phone. I am in XXXX and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.
Consumer complaint received 2016-01-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.