davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
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. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immiedietly remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have a fraudulent loan from Wells Fargo on my title from 2005. I contacted them and their response was that they see no fraud. The settlement company is out of business so I can't get information from them. All the documents have a copy of my signature but I did not take this loan. They have a cash payout of over $ XXXX in the settlement documents that I never received.
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

XX/XX/22 Had bed for sale on Marktetplace and rec inquiry from individual. States I needed to put XXXX into her account as a business to business transaction to avoid her loosing the XXXX for the bed. The email address was different than the bank account. I did not think that this was right but unfortunely I did what was asked. I had only used XXXX 2 times previously. I called PNC bank and she immediately advised this was a scam so I was to call and file report which I did. Then I got a letter stating my request for reimbursement was denied by XXXX. I called them again and asked for review to be done. They advise me that I am to do transaction only with people that I know. After the fact I received XXXX  routine information on scams. Not proactively but after the fact. I asked why a bank would be in partnership with XXXX and informed they are not but I am now aware that is not accurate. 
Once i knew this was a scam I sent a text back to the individual informing I knew what she was doing and she blocked me. 
I am requesting assistance with this as I am aware of the increase in this activity and the bank is responsible since they are part of the XXXX XXXX XXXX XXXX with several other banks. They are responsible to be proactice. They were very aware of the scam when I called but not willing to overturn. I do not know this person that did this. I have no relationship with her. I would appreciate assistance on what can be done as the bank appears to not be willing to help. They very likely have accounts to cover scams and the number is rising so I would think they would be doing everything possible including not being part of this LLC with the issues. Thank you
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

There is a XXXX XXXX XXXX that is very old. We have tried to get that off of Equifax, XXXX  and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from 2012. 

Also, It is bringing the score down. We tried to get a lower interest rate, but Equifax keeps this on there. 

There is also a Collections from XXXX XXXX XXXX from XXXX. We have tried to get this off, because we never received a bill from XXXX. XXXX XXXX XXXX keeps that on there. It is not ours. This is {$180.00}.
Consumer complaint received 2020-10-11
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: CARVANT FINANCIAL LLC (NJ)

Carvant Financial LLC Account # XXXX {$9300.00} Closed : XX/XX/2016 I have sent 3 letters to the credit bureaus and Carvant Financial to have the inaccurate item removed from my credit report. I received no information about the sell of the car. The amount reported is wrong. It is also listed as an auto loan and not a credit sale. 

Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

I keep trying for the last year to reach out to the debt collection company to settle the debt but no one responds. I asked for proof because the amount they have versus the amount I have from the original debt doesnt match. I also asked for a settlement amount so I can get rid of the collection. No one ever responds.
Consumer complaint received 2021-11-27
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)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my XXXX XXXX XXXX XXXX I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX XXXX  affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of EducationXXXX XXXX
Consumer complaint received 2020-10-12
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)

My complaint is with XXXX credit bureau. Every time I submit a dispute about information not belonging to me there always trying to block what I send. I am a victim of identity theft and Ive sent everything they have asked for from confirming my identity to submitting police reports and ftc reports and all. Recently I submitted paper work to have things blocked on my report and again I sent all the right paperwork over and they still tell me there not going to block it because they need more information which I sent them. XXXX  has been giving me a hard time for the past few months and its getting out of hand soon as I dispute something that was not mined they says its accordance they agree with the other side even when Ive submitted proof to them and court papers and all but yet there still taking there sides and even lowering my credit scores. My XXXX  lock was taken off a couple of times and I couldnt lock it back. Im tired of XXXX being biased towards me then has to end. I will be submitting a cease and desist order to XXXX  as soon as I finish my motion in court if this does not stop.
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

I submitted a transaction on coinbase.com of XX/XX/XXXX at XXXX. It is XX/XX/XXXX XXXX and the transaction is still " waiting for approval ''. The policy stated that the transaction will be completed in 48 hours but it has been over 100 hours and I am losing on my investments. This is UNACCEPTABLE and I am trying to retrieve my investments from them and close my account. Their customer service is non-existent. It is a scam and they are locking up people 's funds and trading with it.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

I am having an issue with a retail account though XXXX and I cant reach someone in customer service. Basically, I had special terms that expired on XX/XX/20 ( yesterday ). I am personally going through a lot right now from this virus so my mind has been in a blur as I have buried a family member yesterday. 

Last night, after falling asleep from exhaustion, I freaked out and realized it was XX/XX/XXXX. I called the Automated Phone system and submitted a payment for remainder of the balance without the interest ( what I should have owed before the terms expired ). However, on XXXX, WF already added in the {$980.00} in interest to my account. The automation system said since I paid before XXXX XXXX  PCT it will post on XXXX. Please just know I am very responsible with my bills its just been a bad month. I am not accepting this.
Consumer complaint received 2020-05-10
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. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30/60 day. As you can see, I have always had a stellar payment record. I tried contacting XXXX EquifaxXXXX XXXX, and XXXX  with no successful resolution. XXXX Equifax, and XXXX reporting me 30 days late in XXXX XXXX and XXXX XXXX. There was an error on their part. I was never 30/60 days late.
Consumer complaint received 2019-10-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (IL)

TEK-COLLECT INC ( XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ) bought a debt ( Account number XXXX, Collection opened XX/XX/2017 ) from original creditor : XXXX   XXXX XXXX in the amount of {$650.00}. I have complained and disputed so many times with XXXX, XXXX, and XXXX as well as Tek-Collect. I keep telling them each and every time that I never attended this college. Each time they ignore me and keep on with the debt.
Consumer complaint received 2020-05-10
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. (TX)

I want to raise a complaint against Citibank ( Citi ) regarding a merchant dispute I filed against XXXX ( the Merchant ) in the amount of {$4100.00} on XX/XX/2020 for a vacation that was cancelled on XX/XX/2020. 

On XX/XX/2020 ( twenty-three days after filing the dispute with Citi ), Citi finally updated me via email with news that Citi : 1 ) had heard back from the Merchant, 2 ) would review the information the Merchant provided, and 3 ) would get back to me within ten business days. 

Ten business days passed with ZERO updates from Citi about my dispute. On XX/XX/2020, I called Citi and spoke to a representative who could offer no explanation as to why I had not been updated or why Citi so severely mismanaged my expectations about my dispute over the hefty {$4100.00} sum. The representative simply said she would send an email to the investigator, reminding the investigator to give me the update I never received, and added the turnaround process would take an additional seven to ten business days! As a result, you can imagine my enormous level of frustration and feelings of being lied to by Citi. 

Meanwhile, many others who have experienced the same issue with the Merchant, but used XXXX to book their travel, have already received permanent credits for their disputed amounts. You can read their stories, along with many others who have gotten nowhere about this issue with Citi, within the XXXX group SCAMMED by book it. 

Lastly, I will mention that I have not been asked for any documentation by Citi that will support my claim, though I have plenty. Does anyone at Citi even care? Below are items that support my case, which I will also upload with my complaint. 

1. The Merchants terms and conditions. 
2. A screenshot with today 's date ( XX/XX/2020 ) of the Merchants website showing no refund has been paid. 
3. A screenshot of the Merchants homepage saying they are unable to process refunds and for people to contact their banks for available options as cardholders. 
4. A consumer complaint form with the Texas Attorney General and documentation of filing a complaint with the Florida Attorney General. 
5. Complaint filed with the XXXX XXXX XXXX Police department about the Merchant. 

Do you know what it says on Citis homepage? We are here to help. I do not feel like Citi has helped me at all regarding this dispute. 

More specifically, at https : //citi.com/citi/about/data/citi_commitment_summary.pdf? ieNocache=624, under Citis Commitment, it says , During  these uncertain times, Citi remains well-positioned from a capital and liquidity perspective. We have a strong balance sheet and will continue to actively support our clients and customers through this challenging period.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CL Holdings LLC (TX)

In 2018 debt own with XXXX XXXX  NOW ITS WITH COLLECT AGENCY JEFFERSON CAPITAL SYSTEM AT XXXX ... XXXX I was going through a divorce and I had this credit with XXXX XXXX and its was a XXXX limit and now with the fee its at XXXX I contact XXXX  XXXX to inform them of my current substitution and the agent for XXXX XXXX  could not help me they had forward my account to this agency I try to explain that the card with them was that I supposed to had protect its was provide with the card in case a customer card not paid and they agency said I was told it was to late for that program and to contact the collect agency but I don't have a account with JEFFERSON Capital System.
Consumer complaint received 2020-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

Last friday XX/XX/19 I tried to get cash from my account and transfering money sent to me by relative to distribute to other relatives. One I  found out later I sent over the limit and I have admitted ( Just forgot ) I'm XXXX and do forget. My aunt wanted me to sent them cash and I went all day trying to get cash from atms and other ways, none illegal. I didn't know my account was locked till I tried to buy gas and after filling up my card was frozen. The cops were called and it was a mess. 
Paypal does not have humans to answer questions or answer the phone so I have sent messages through their message center and have heard nothing except it could take 5 days which is past that. 
They keep wanting a bank statement from a bank I no longer have and never even used. 
I have done everything I know to do. I need my medicine and food to eat and finish the transfer for my aunt. 
Please help me get my money freed. I have opened another bank account for my social security next month but I still might come to paypal and I will really be in trouble.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

my wife passed away on XX/XX/XXXX we had mortgage insurance it took several atemps for the ins. com. to get the payoff for XX/XX/XXXX i finially had to do a 3 way call to get the payoff i was aiready XXXX enough from the loss of my wife of 45 yearsthis took all of XX/XX/XXXX then on XX/XX/XXXX XXXX XXXX XXXX sent the ck. for XXXX for the payoff chase motgage said they lost the ck. they could not find it. the insurance comp. put a stop pay on ck. after 30 days on XX/XX/XXXX a new ck. was sent as of XX/XX/XXXX it is still not paid off i have contiuned to make the payments and now am asking for your help all of the ins. cks. have had my account number on them their is no excuse for this not being paid off they have contiuned to charge interest daily this should have been paid off at least by XX/XX/XXXX i  feel when they do finally get their act together they should reimburse the interest from XX/XX/XXXX the ins. comp. said they had never had a bank loss a cks. plus chase was aware that we had mortgage ins. it was part of the loan package with XXXX XXXX that had the mortgage to start with they sold it to chase back in appro.year XX/XX/XXXX i do not this contiuned XXXX i only did the mortgage ins. because i thought i would always go first can you help. my wifes name is XXXX XXXX XXXX mortgage account numberXXXX
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

I have received notices from Credit Management LP of an amount owed to XXXX XXXX of {$610.00}. I do not owe this amount or any money to XXXX. I contacted XXXX and they have no knowledge of this debt or amount. I contacted credit management LP to have them cancel this amount but instead they appear to have reported it to the credit agencies and it has reduced my credit rating. I believe this is a scam and complete fraud. Again, I do not owe XXXX cable anything and Im current on all my accounts. CreditManagement LP of Plano Texas appears to be representing XXXX in this debt collection matter the XXXX has no knowledge of it and I do not owe any money to XXXX
Consumer complaint received 2020-06-27
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. (GA)

I have contacted Equifax, XXXX  and XXXX  to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX  account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

Barclay and Uber offered a credit card rewards program that was difficult to access, rules were changed to the detriment of the consumer, benefits were incorrectly calculated, and customer support unable to resolve the discrepancy. In XXXX of XXXX, I attempted to redeem rewards associated with Uber Credit Card promoted by Barclay. However, the process was confusing enough to cause me to try again later. In XXXX of XXXX, I had approximately XXXX points ( {$910.00} value ) earned for the account. I learned the program had recently changed to only allow rewards to be redeemed through Uber. Yet, the Uber app did not reflect my point balance. I was unable to redeem any of the points earned so far. Only newly earned points were reflected in the Uber app. I reached out to Barclay and Uber but both have been unable to resolve this issue. Two supervisors at Barclay have understood my concern and XXXX gave me a courtesy credit of {$200.00} while acknowledging that there were other customers with the same problem. Uber support responded with arbitrary prepared messages unrelated to my issue, despite reaching out multiple times between XXXX and XXXX, XXXX. Ultimately, I consider Barclay responsible for this because I entered into an agreement with Barclay and expect to deal with Barclay for resolution of the issue. For reference, I'm including some dates associated with Barclay communications. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX closed without explanation. 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understood my issue, found other cases of customers experiencing the same problem, and gave me {$200.00} statement credit as a courtesy due to the ongoing trouble. 
XXXX, contacted Barclay, talked to XXXX ( same manager ), no change in status. 
XXXX, contacted Barclay, talked to XXXX ( employee id LASMMO ). 
XXXX, contacted Barclay, case XXXX, talked to manager XXXX who understands issue. 
XXXX, contacted Barclay, told to contact Uber directly, XXXX XXXX XXXX, help@uber.com ... of course, as before, responses from Uber were not related to my issue at all.
Consumer complaint received 2020-06-27
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: Io, Inc. (VA)

I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX  refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
Consumer complaint received 2018-02-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TN)

Original loan amt : $ XXXX/Institution : XXXX It is my understanding that XXXX got out of the student loan business and sold the portfolio to XXXX XXXX  in XXXX NE . 

XXXX Acct # : XXXX Over the last couple of months I have written and called XXXX to find out how I can pay off this loan in a lump sum for a lesser amount. I asked this because we have already paid in the neighborhood of {$3800.00} and the balance due is still {$11000.00}. They will only accept payment in the full amount. I'm not a finance wizard but doesn't that calculate to at least 40 % interest when all is said and done? 

I'm retiring next year and trying to get on top of debt while I can and while my brother has offered to help me. My son is the borrower and I am the co-signer. The job market for my son has not been inconsistent so I'm helping. 

Is XXXX 's methodology reasonable and legal?