davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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. (GA)

I live in XXXX GA and on XX/XX/XXXX I traveled by car to my dads in XXXX XXXX TN. While there I made card transactions with my Citi credit card both in TN on XX/XX/XXXX and on XX/XX/XXXX. On XX/XX/XXXX I received a fraud alert from Citicards about purchases that went thru on XX/XX/XXXX. I reviewed my account online and saw 15 transactions that took place in Illinois, mostly XXXX. Some at the same place over and over. I immediately called and was already online to disput the transactions which the representative told me I could do. I hung up without him advising that if it was multiple transactions or pending I would need to dispute with him ( which I found out when I called again ... ) I did not receive a case number just an email advising I had a dispute opened. It did not identify any transactions. After not hearing or receiving any type of communication about my claim ( my card was closed so I could not access online banking ) in over a week I finally received my new card and was able to review online and saw they had credited me with 9 of the 15 transactions. I once again called to ask about my claim on XX/XX/XXXX and was then informed of the fact that with pending/multiple I should have called it in. She disputed the remaining items and once again I was not provided with a claim number or any information on my claim in regards to resolution timeframe or anything. I called again on XX/XX/XXXX and was told it was still processing, I requested to file a formal complaint with them as I did not think it was fair that they did not provide me with any type of resolution in writing/email. But I was told I would receive communication from them in regards to my case, nothing to date. I called again on XX/XX/XXXX as my statement has now ran and I have 15 fraudulent charges on my card, and charged interest and only 9 dispute credits. I was then told that they would resubmit my transactions after I had to go over it transaction by transaction as she told me I already had my full credit, so no one reviewed this the previous times I called. I again asked to file a formal complaint, again as I did not think it was fair that I have not received anything from them in regards to my claim, which the person advised she would file it for me but could not give me a case number and I was advised it was for internal tracking only. I was then advised I would receive my credit within 2-3 days, it is now XX/XX/XXXX and I just do not want to call again. If they could just provide to me in writing why they believe they should not have to pay the fraudulent transactions on my statement ending XX/XX/XXXX I would at least be able to provide proof that there was no way I was in XXXX!!!
Consumer complaint received 2020-08-19
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2019-10-30
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: Experian Information Solutions Inc. (CA)

For the past several months, I have been in constant contact with Experian with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military XXXX orders, however, these oulstanding accounts still exists. These accounts include XXXX ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, ) XXXX XXXX ( {$130000.00} ) XXXX XXXX XXXX ( {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), XXXX ( {$16000.00} )
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC (TX)

I have attempted to contact this creditor but they will only accept mail correspondence. When I call numbers reported on my credit reports they are unable to pull my account up and am directed to mail correspondence for their credit customer service department. This account was closed XX/XX/XXXX and XXXX payments were made towards this debt when it was open XX/XX/XXXX and yet they are reporting that payments were made in XXXX. My reports say this debt was sold to DNF Associates and yet the address and contact information takes me to the original creditors site. I have attempted to contact DNF Associates as well as XXXX XXXX to settle this debt without any luck and would like it removed from my credit reports immediately. The debt continues to be validated with the credit bureaus when disputed and yet I am unable to get in contact with them to settle the debt.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I became aware of the debt when I received a message from the credit bureaus that I subscribe to, XXXX XXXX XXXX XXXX, showing a new derogatory item was placed on my report. I immediately reviewed for accuracy and confirmed this is not my debt. I sent a letter via certified USPS mail to Afni, Inc on XX/XX/2020. I have confirmation of delivery. 
To date I have not received a response as to an explanation of this debt that they claim I owe. 
Today I am mailing yet a second letter as a follow up to my first letter in the event I receive a response or a resolution.
Consumer complaint received 2023-01-30
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)

This is my numerous request that you remove this inaccurate data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MS)

I applied for a auto loan through XXXX they referred me to Ally. Upon which Ally used a credit bureau I have no knowledge of to run my credit report called XXXX. This company came back with a low credit score of XXXX, but XXXX  credit score was XXXX. That a big difference between the two scores. I know this is not accurate at all. I know a lot o people will be filing a complaint againt XXXX. I foresee a lawsuit with this company please be sure I will follow suit also. This kind of thing is not acceptable at all. I truly hope you can clear this problem up soon. Thanks for lending a ear.
Consumer complaint received 2020-09-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There have been multiple ocassions were I make sure to keep all my balance low or just pay them off. Whenever I pay a balance in full the credit bureau Trans Union takes my score down. whenever I put a small balance on my report less than 3 % then Trans Union takes my credit score down. Also there is an old outdated tradeline on my report that the bureau will not fix and i also had multiple angencies try to fix it and Transunion will not fix it. they will not age this credit out of my report from 5 years ago. XXXX Department Store. Please help me. XXXX tells me that Transunion has never contacted them in regards to this tradeline being on my report. I also requested the information from Transunion that this deparment store has sent to them to verify this account, and they won't provide it.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

I called Equifax and sent my driver 's license, social security card with the correct information and they refused to delete the incorrect addresses and fraudulent accounts saying that the address is being reported by the fraudulent accounts. They then proceeded to tell me that I sent correspondence to them with the inaccurate address which I did not. I have only sent correspondence from my correct and accurate address which is on my driver 's license and social security card. So they refused to remove the inaccurate names and addresses after I verified my identity with the correct address information with documentation. I want these inaccurate items removed because they don't belong to me. So please help me remove them. I place a security freeze and opt-out on my accounts with XXXX, XXXX XXXX and XXXX to prevent any further fraudulent information to be reported on my reports and they refused to help me with this matter. When I try to dispute these items online I am told to call and when I call to get the items removed I am told they will not remove them even though I have given them the accurate information several times! Screenshots and documentation attached.
Consumer complaint received 2020-11-12
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: EQUIFAX, INC. (MS)

HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.
Consumer complaint received 2023-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached ID report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!! Please remove these accounts
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Called Nelnet originally on XX/XX/2022 requesting a partial refund of {$5200.00} from a loan with a total balance of {$9100.00}, that I paid off during Covid.

The agent went through the entire process with me, where I gave verbal permission for the refund, in addition to, all of the other varying information that was required. That agent informed me that my refund would be reviewed and I would receive it within 4-6 weeks, going on to say that it wouldnt be longer than the 6 weeks. Lastly, the agent informed me that someone from Nelnet will be reaching out with further information and confirmation between my initial call and three weeks from then. 

Having not heard anything from Nelnet in the four weeks, I called again today XX/XX/2022 to confirm that my refund was being processed and that I didnt miss the call or communication on their end. 

The agent I spoke with today told me that it was strange that my refund was taking this long and it didnt appear that I needed to do anything further for the refund to be processed. Upon asking when I would be receiving the refund the agent informed me that it would be at minimum 30 days, but most likely closer to 60 days from today 's XX/XX/2022 conversation. 

The agent was unable to confirm where my request was in the overall order of requests, or if they were able to process it sooner, in hopes of receiving the return within the initial 4-6 week that was quoted.
Consumer complaint received 2019-10-30
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: GOLDMAN SACHS BANK USA (CO)

This is regarding the Goldman Sachs XXXX XXXX. 

I received a statement for XXXX totaled at {$490.00}. When reviewing the PDF statement that was provided to me for my XXXX statement, the total was listed as {$380.00}. During the month, I received a {$110.00} refund for an item I had purchased and returned in the previous month. This accounts for the exactly {$110.00} difference between the {$490.00} balance seen in the app, and the {$380.00} balance seen on the actual statement from Goldman Sachs. Rather than being properly subtracted from my total balance for the month, the {$110.00} refund was actually added to my balance -- thus creating the incorrect {$490.00} statement. I noticed this discrepancy on XX/XX/2019, 7 days before my statement was due. 

When I first contacted the XXXX XXXX / Goldman Sachs support team on XX/XX/XXXX, they stated that they understood the error in their math, and that a dispute would be opened and the refund would be properly applied shortly. I called back the next day ( XX/XX/XXXX ) to check the progress on the dispute, and was told that since my payment date was approaching, that I should pay the correct amount ( {$380.00} ) and that if it took much longer to resolve the dispute, that they would refund me for any interest payments that I incurred from not paying the higher/incorrect statement amount. 

On Wednesday, XX/XX/XXXX, I received an email from Goldman Sachs saying that the {$490.00} statement balance was correct, because that is " the total of payments and purchase return credits between XX/XX/2019 and XX/XX/2019 '', without any explanation for the {$110.00} difference between the two statements, and without any reasoning for how they reached the {$490.00} amount for XXXX. Iterating through each individual purchase for XXXX and adding each sequentially amounts to {$380.00}, with a return for {$110.00}, and the only explanation for seeing {$490.00} is that they incorrectly applied the return amount as a positive charge to the credit card when generating the final statement. 

I contacted Goldman Sachs a third time on XX/XX/XXXX, and was told that the email explained everything that they found during their investigation, without any explanation as to where the {$110.00} refund went, and that there was no further information. A few moments later, they then stated that they did see the {$110.00} refund, and to monitor my account for the next few days to see if the problem is resolved then. Since my statement is due tomorrow, I don't have time to wait a few days to see if there is any resolution.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

New REZ-ShellPoint mortgage continues to state my mortgage is in deferment on all three of my credit reports, since the CaresAct was enacted in XX/XX/2020. This dropped my credit score! 

I have been on time with EVERY monthly morgtage payment since New Rez took over the servicing of my loan in XX/XX/2020. Furthermore, I am not in a deferred payment plan and even if I was, mortgage servicers are not allowed to use this remark on credit card reports. 

I have emailed NEW REZ at least 4 times regarding this matter. I have received an email stating they received my correspondence but they never send me anything after that. 

I have disputed this with all three credit bureaus numerous times. New Rez will not remove the incorrect deferment remark that is hurting my credit score.
Consumer complaint received 2021-07-19
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. (CA)

XXXX  LIstings charged my card 3 times for {$450.00}. I cancelled with XXXX, they said they were in contact with CITIBANK to take the charges off my card. 
CITIBANK has put the charges back on and said I was responsible.
Consumer complaint received 2019-10-30
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. (NC)

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (DC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-30
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: General Motors Financial Company, Inc. (NC)

XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it XXXX concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 Americredit XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-02-04
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)

My identity was stolen and sold to people in the U.S. that person was found and prosecuted for identity theft. In XXXX of 2020 I found an apartment community that was fraudulent. This fraudulent information was removed and blocked from all credit bureaus with the exception of Equifax. Equifax continues to report fraudulent information after seeing police reports and reports from the US Department of Justice of the person that was prosecuted. I am requesting this to be removed from my credit report immediately.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In regards to a mixed credit file. I have a twin brother and our reports were mixed up quite some time ago and the issue has not even remotely been solved. In fact, Equifax is the ONLY bureau continuing to mix our information. 

The documents requested have already been sent in, numerous times. 
On XX/XX/2022 I sent a copy of my passport and a copy of my social CERTIFIED and have receipt that it was picked up and signed for. 

Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX Priority Mail 1-Day Mailed on the XXXX of XXXX and received on the XXXX of XXXX, signed for XXXX XXXX XXXX. 

Within the past month, I have called Equifax almost every day and the moment I get through, I am hung up on. Ive made it to a supervisor and also was hung up on. 

I have also requested that proof of ownership for all inaccurate accounts be sent to the address on file and that has also not happened. My file can not be located but it obviously exists since things keep being added to it.