davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I received an email about a remote job opportunity at XXXX. I saw that this opportunity was being relayed through my school, so I immediately trusted it, and I received information about it on my school email. I signed up for this fraudulent opportunity on a XXXX spread sheet. I signed with my name, address, and things of that sort. The opportunity stated that when hired your job would be to buy, package, and send goods to foster homes. I wasnt too skeptical and when I was told I got the job. A check was sent to my house and the check. It was made out from a restaurant to me. The lady who was texting me, I dont even know if it was a lady at this point, said that it was XXXX of their very close sponsors. I went to cash the check out at the bank on XX/XX/XXXX. The check amount was {$3900.00} and I was told to come back the next day because I had to wait for the check to clear. I was to use XXXX to get XXXX {$500.00} vanilla XXXX cards and send pictures of them to XXXX XXXX, the lady who reached out to me. The {$400.00} would be my cut. I was only able to withdraw {$500.00} the first day, XX/XX/XXXX, and the bank teller told me I had to wait XXXX day for it to clear. I waited XXXX day and went back to the bank on XX/XX/XXXX. The teller told me that the check cleared and gave me {$3000.00} in cash. After I got the cards that the " job '' needed it was too late. I called Citibank on XX/XX/XXXX because I wasn't able to access my account and a representative told me that my card is locked because it is overdrawn by over {$3000.00} and the account connected to the check that was deposited was frozen. I told the bank that wasnt possible and said I would contact the job ''. I was going through my email to look at their information again when I came across a scam email from my school. Ive done some research on situations like mine and after talking to customer service representatives from my bank for hours it doesnt look like I will be getting the money back. A representative opened up a claim for me to possibly get my money back but they are saying that since I withdrew the money I am liable. I dont think that this is fair at all because the workers at the banks are the experts and the bank should have some sort of policy on checks. I really can not afford to pay this amount to the bank and neither can my family. I was only able to get the {$500.00} that was withdrawn the first day and a representative helped me open up a new claim to dispute the {$3000.00} that was withdrawn on XX/XX/XXXX. This could take up to 90 days to process and I can not wait that long to access my account. It has already been nearly XXXX months.
Consumer complaint received 2020-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Recently, maybe two weeks ago I call Loan Depot ( XXXX ) XXXX. 

I wanted to get a quote to refinance the loan. 

They quoted me a very high rate, I don't remember, but it was over 4 %. I have a 3.75 %, so I passed. 

Next day I get a call, no problem, but they offer a high rate still. 

Next days I get calls, I avoid them. 

Today I got a call at XXXX XXXX, too early for me, so I didn't answer. But I get a call again at XXXX XXXX. from a XXXX. I was upset at all these calls, I answer, 3 % with no fees? He said sure. That took me by surprise but was hopeful, then he said in a very suspect way, give me your credit card number. I said what? Then hung up. 

Not sure how this works, but can they do that? Agree to give me a loan at 3 % for no fee? He made a false promise and asked me for my credit card. 

I am very concerned that he has my personal information and that he may sell that information to his benefit. I am very concerned. Please, please can you look into this? 

I got the managers name and number, his name is XXXX XXXX. ( XXXX ) XXXX Please I hope you can advise me or help with your information or support. 

I hope this finds you well. 

Thank you,
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I submitted a dipute with XXXX indicating that ALLY FINANCIAL had incorrectly reported a balance on my XXXX  credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent XXXX Credit report Dispute Result Report # XXXX with ALLY FINANCIAL account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and XXXX and or Ally needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XX/XX/XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

I am being billed by XXXX  for a {$1800.00} ambulance transport on XX/XX/XXXX. My insurance company, XXXX, has determined that XXXX  is a national provider and as such, required to accept the contracted amount of {$390.00}. XXXX issued a check to XXXX for {$390.00} on XX/XX/XXXX ( ID # XXXX ). 

Both XXXX  and MSB collection agency  continue to send letters indicating that I owe {$1800.00}. I sent certified letters to both MSB and XXXX  detailing the above information on XX/XX/XXXX. While I received a return receipt from MSB, signed by XXXX XXXX, XXXX failed to pick up the correspondence.
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

have a paypal credit account they deactivated my paypal account I have money to use on my paypal credit account when I pay my monthly bill and since the closed my paypal account I cant use my money that's not fair that's like holding money hostage that belongs belongs ok me I feel like they should close the account and I dont owe the bill then since I cant access the money after I pay the bill
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit file for others to see. 

XXXX XXXX reported to Transunion that I applied for credit in which I never applied for.They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.
Consumer complaint received 2021-05-30
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: EQUIFAX, INC. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (FL)

After having cashed several checks with no problems over the course of a few months. Ingo decided With no just cause, that I was " possibly '' trying to cash fraudulent checks. They had no reason whatsoever to come up with this conclusion as the checks I did successfully cash were all valid checks, were never returned, and I never made any such attempt at commiting any so said fraudulent transaction. When I contacted their customer service as to why they came to this conclusion I was provided with no valid reason other than " just because we can ''. The company advertises a service in which they are either too scared to provide or for some other reason just don't provide.
Consumer complaint received 2021-05-30
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. (WA)

I went to XXXX XXXX located in XXXX, Washington to purchase a used car. I was already pre-approved through XXXX XXXX for the loan and had a check in hand with me. I was putting down {$5000.00} as a down payment. The guy said he needed to run my credit. I asked why? Im pre-approved through my bank already. He said its a soft hit for the check to verify it. I said okay, No need to check my credit for a loan approval. They took my ssn, drivers license and information and after 20 minutes I got a notice to my email saying there was a inquiry to my credit report. I was angry because I had just got a inquiry getting the loan approved through my bank. 

The employee at the dealer kept lying saying he didnt pull my credit report and it was just a soft hit to verify the check. I said why didnt you call the bank to verify the check. He said they always do a soft verification for checks. He was lying. Another couple was getting a car and presented a check and I didnt hear them tell them they would have to check their credit for the check. 

They kept saying they didnt do a hard hit but they did. I went back and forth with the manager trying to get it removed over the phone for several weeks. He said he would take care of it and never did. The credit bureaus dont allow you to dispute a hard hit online. You have to send in a letter and go through several inconvenience steps when this should have never happened. I want this inquiry removed. I feel they only verified me because I was a XXXX guy presenting this check!
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (CT)

After initiating a complaint of inaccurate information your reporting on my credit report on XX/XX/2021 then receiving a response of verified from Equifax. I then sent you another letter requesting your Method of Verification which you received on XX/XX/21 and you signed for and I received NO response back.
Consumer complaint received 2021-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, I deposited mistakenly {$300.00} into a closed account. I had the money at XXXX of XXXX and transferred I thought into my personal account. I was mistaken. XXXX had linked it to a closed account. I have filed several missing funds request with the bank ( 6 reports ) and have made several more trips to my local bank. All to NO avail. I'm a senior citizen on a fixed social security income. This XXXX is needed for basic living expenses. I've tried for 3 months to recover my money. The bank informed me that I need to go back to the bank yet again and complete yet another form. I need your agency 's help. When is a XXXX XXXX dollar bank can hold someone's money and keep running a senior citizen around in circles for NO reason? Just give me the money due to me.
Consumer complaint received 2022-09-24
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. (NJ)

I have disputed my XXXX XXXX Account with Equifax multiple times over the years and they have continuously failed to properly report my account. It is impossible for my account to be closed AND 120 days late. Also the historical information has continued to be reflected incorrectly over years and has severely affected my reputation. Please delete this account.
Consumer complaint received 2020-03-19
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. (GA)

I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

Account Number with XXXX XXXX XXXX / Capio # XXXX XXXX XXXX XXXX/ Capio XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This company States they purchased a Collection from XXXX XXXX XXXX in XX/XX/2019. With out proper review by XXXX XXXX XXXX or XXXX  they allowed this illegal collection agency to put a collection on my credit report. witch has damaged my credit, my credit score and my credit line. due to this illegal action that was taken by 1 XXXX XXXX XXXX for selling a paid illegal incorrect fraudulent bill. and illegally providing my social security number without my consent. 

2 XXXX XXXX XXXX / Capio for damaging my credit by not 1st review an original bill from XXXX XXXX XXXX. 

3. XXXX  4 XXXX  5 XXXX All for allowing this illegal collection to be put on my report. 
I have requested multiple times over the phone for XXXX XXXX XXXX  / Capio to provide me with an original bill. they send me a bill from there office.

Although this illegal and damaging collection has been removed from all three credit reporting agencies. My master card credit card had a credit line of {$8000.00} for the past 3 or 4 years. in XXXX i made a large payment of {$2600.00} and my available line did not change because there was no illegal Collection reporting on my account at the time. 
The damage has been done. I am a single low income mother, the {$5900.00} dollars I paid towards my master card Credit card bill was in good faith as with all my credit cards I hope to be debt free one day. I have never paid late on any credit card or any account with in my credit report. my credit is everything to me as i have hopes to buy a home one day. I needed the extra money to buy my daughters school uniforms and supplies. I also was going to celebrate her XXXX birthday with the money i paid towards the credit card and was unable to do that.
Consumer complaint received 2023-03-08
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)

The unverified accounts indicated below reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated immediately for they are greatly harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (NV)

By the provisions of the Fair Credit Reporting Act, I am Sending this complaint to request that the listed accounts below which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/2022, received a scamming text and followed link and entered sensitive information.. Chase Bank XXXX They issued a new card. but my ss Number and everthing were already given
Consumer complaint received 2021-05-30
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: JPMORGAN CHASE & CO. (MI)

I could not find the proper issue Im having. During the XXXX year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by XXXX points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of XXXX and XXXX credit companies.
Consumer complaint received 2022-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (SC)

The alleged debt is being reported by XXXXCaine and Weiner claiming that I owe a balance of {$440.00}. The policy was paid 6 months in advance and was terminated 2 weeks prior to the end date. So Im owed money. I also stated this to the insurance company. Im requesting a full description of the procedure of reinvestigation once completed. I demand that this negative mark be removed from my credit report immediately.
Consumer complaint received 2022-09-24
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (HI)

Synchrony Bank sent me a letter dated XX/XX/XXXX that they decreased my credit limit from {$510.00} to {$100.00} based off of a credit report they received on XX/XX/XXXX. Prior to this they dropped my credit limit from {$900.00} to {$510.00} in a letter they sent me dated XX/XX/XXXX based off of a credit report obtained on XX/XX/XXXX. Both times my credit limit was dropped to increase my credit utilization even when my account payment history with Synchrony Bank paying my account on time every time since I have opened my account. The reasons for them lowering my credit limit. They not only did this with my XXXX XXXX Card but they also did it to my XXXX XXXX Card as well. Other credit cards have increased my limit for excellent payment history. Synchrony Bank has punished me causing damage to my credit score by decreasing my credit limits close to my balance owed to show high credit utilization. Prior to this I had paid down my card under 30 % so my utilization was in a favorable status however they decreased my limit causing my utilization to increase and my score to decrease. I am filing a complaint because their practices are unethical and are hindering me from raising my credit score making my credit history unfavorable to other lenders.