davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (KY)

There was a debt of {$4900.00} from Citibank-Best Buy in XX/XX/XXXX. XXXX XXXX contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX.  The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. Citibank-Best Buy would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and Citibank-Best Buy over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to Citibank-Best Buy, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or Citibank-Best Buy willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the Citibank-Best Buy customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to Citibank-Best Buy and the Collection Agencies.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

In XX/XX/2021 I paid my balance in full on my Macys.com card run by Citibank. The balance was small, In XXXX I receive a statement that I am late on a payment - I noticed a {$2.00} balance. When I researched the item it appears that Macy 's added a {$2.00} fee to my account in XXXX, I did not receive a XXXX statement that showed a {$2.00} fee, the first statement I receive shows that I am past due. After searching on line it appears that this is a practice for Citibank to add a {$2.00} fee if your account is not paid in full by end of the month. I have paid my account in full in the past and have not had this {$2.00} fee assessed. I paid the fee, but am very concerned on how deceptive this fee is, and the impact that this could have on my credit report score.
Consumer complaint received 2022-01-10
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 am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Equifax representatives. This is my 3rd and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Equifax reports that they have verified these accounts are in fact mine. Who at Equifax verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Equifax credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Equifax for almost two years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?
Consumer complaint received 2022-06-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANKERS HEALTHCARE GROUP LLC (NV)

Company Closed my account without any reason wouldn't tell me why they closed my bank I wasn't able to used my account for XXXX months XX/XX/2022 & I called on XX/XX/2022 to see what's going on with my account then they took me my account was closed didn't received any letters saying why.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

I have been trying to close my Bank Of The West account for over a week now. I sent messages through the app which remain unanswered. I have also called multiple times to be put on excruciatingly long hold times. I just want my account closed but I can not reach a human in order to do that.
Consumer complaint received 2021-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

CompNy harassing me for years About about a legit reversal on a rental scam Situation I was granted money back from all banks to to a breach of contract where they let mutuel tenants live who were not on contract and put me in a bad situation, I have proof of emails from company who leased property And bank took too long to contact me while moving to ask for documents, I had closed account with XXXX balance and months later was harassed about this
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PAYPAL , INC . 
Account is XXXX XXXX XXXX is name I have other paypal accounts. 
I have {$270.00} stuck in this paypal account - they refuse to release it to me. One representative from paypal told me to chargeback the original transaction which was {$940.00}. I just want my {$270.00} - they want to hold it for 180 days. I have verified accounts with ID. This is not legal.
Consumer complaint received 2022-08-13
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. (TX)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it as well as any and all documentary material pursuant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 




I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax has never provided an online credit report to me. The questions provided about my credit usage to confirm my identity do not apply TO ME. Then I have to call them or mail a request. Totally unsatisfactory. This leads me to believe they have bad information or contaminated information about my credit. Please refer to the many many comments all about the lack of response from Equifax to fix their system to provide what is required by law. Please MAKE EQUIFAX FIX THEIR SYSTEMS.
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MI)

During the mortgage application process, XXXX XXXX with US Bank shared my husband and my credit scores as well as debt-to-income ratios with the seller as well as the sellers realtor. I was never provided with the appraisal documents for the house we are in the process of purchasing. Due to having an FHA Loan ( case number ), the process has been halted and XXXX refused to give the new lending company the case number or the appraisal. 
My husband and I have also been denied access to our application process account on their website : https : //mortgageapply.usbank.com/.
Consumer complaint received 2022-08-13
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-08-08
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-07-20
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: Skopos Financial, LLC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-08-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Hi : I had taken a student loan from XXXX XXXX for financing my XXXX  degree. Firstmark Services is the current service provider for XXXX. I have XXXX student loan accounts with XXXX, XXXX for the first year and the other for the second year of study. The money was provided by XXXX in XXXX installments. 

Based on the agreement with XXXX at the start of the loan, I am entitled to 3 years of forbearance period on each of the XXXX accounts mentioned above. I called up Firstmark Services on XX/XX/2022 and was informed that XXXX of my accounts has 12 months of forbearance left and the other has 7 months left. 

However, for the last couple of months the XXXX servicing team is refusing to apply the remaining forbearance period on my account. They are falsely stating that I am entitled to only 2 years of forbearance on each account. 

Furthermore, they are asking for sensitive personal information such as the names of the companies that I have applied for a job to, personal bank statements etc. I have also been informed by external recruiters that XXXX has divulged my personal information to them. This is very disturbing. 

The XXXX servicing team is not authorized to handle my account in any case. After my loans were disbursed, the operations of my account were transferred to Firstmark Services. The current interference of the XXXX servicing team is illegal and I suspect they may not be affiliated with the actual company. It is a very real possibility that the acts of the XXXX servicing team constitute some kind of fraud. 

I have tried to reach the senior leadership at XXXX to gain more information on this matter but have not received any response or reply from them.
Consumer complaint received 2021-04-08
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. (IA)

On XX/XX/2021 I submitted a dispute with Equifax over multiple inquiries on my credit report. On the same day, they closed the dispute without any investigation taking place. Under Section 611 ( a ) ( 1 ) of The FCRA the CRA XXXX Equifax in this case ) is required to conduct an investigation or delete the item within 30 days of ANY information they are notified may be incorrect. When I called Equifax to inquire why an investigation had not taken place, they told me that I could not dispute inquiries and to contact the companies I have never done business with to remove them. The FCRA places no such burden on me as a consumer to do this. The burden is placed on the CRA to conduct an investigation or delete the item, period. XXXX v XXXX is a court case that has this exact same scenario and the court said that under Section 611 the CRA has to investigate inquiries.
Consumer complaint received 2022-06-25
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)

Submitted Police Reports along with FTC identity theft affidavit identity to XXXX ( twice ), XXXX, and Equifax. Equifax, XXXX and XXXX have failed to remove the accounts in a timely manner, and reinserted accounts without proper notificaion *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 


all three bureaus have failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. XXXX, Equifax, and XXXX are clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the accounts, the accounts are still reporting the fraudulent accounts on my credit reports. If they do not remove the account, I will be force to pursue legal action against XXXX.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (TX)

To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
Consumer complaint received 2022-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

I am having a hard time getting my credits reporters from these companies and they say that I do not have one but each time I want to increase my current credit card limit they provide information on me and when I reached out to them they says since u do not have soical security number we do not have a credit file for you! 

please help me. I do not have a soical security number but I do have a credit card!
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX we filed a XXXX  XXXX bankruptcy and then in XXXX  we attempted to convert to XXXX  XXXX but had it dismissed. Equifax is the only credit agency reporting this incorrectly as a XXXX XXXX  XXXX when it is not. It was dismissed. I have provided documentation multiple times showing it was dismissed and it has not been investigated thoroughly and updated to reflect the correct status. I have disputed this inaccuracy 5 times without any relief.
Consumer complaint received 2022-08-13
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. (AR)

I have been working to have the Three Agencies XXXX, XXXX and Equifax to remove and delete fraud accounts from my credit report and they either have been busy or ignoring my request. Ive sent letters on my behalf and have not received and adequate response. The accounts in reference are the ones below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are needed further investigation and removal by the 3 bureaus XXXX Equifax XXXX
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO. (VA)

In XX/XX/XXXX, I sold, via a Deed of Assumption, a mortgage of {$58000.00} for consideration of {$68000.00}. 

On XX/XX/XXXX, I sold a condo for consideration of {$60000.00}. 

On XX/XX/XXXX, I received a Certificate of Satisfaction for said condo from the Clerk 's Office of XXXX XXXX XXXX, VA. 

None of the aforementioned transactions have appeared on any of my three ( 3 ) credit reports, XXXX, and WAMU/JP Morgan Chase. 

Due to the failure of these organizations to report my mortgages I can't get credit or purchase a home.