davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I have XXXX checking accounts with Citibank- one that is my own, and a XXXX checking account with my partner. Initially, when we opened the accounts, we asked the accounts be " unlinked '' so we could have two separate cards. 

I set up two recurring transfers between my individual checking account and the joint account, set to deliver on the XXXX and XXXX on the XXXX of every month, for {$1000.00}. 

But when the accounts were unlinked the transfers were deleted from my online account access. Since XXXX I have not been able to see these future transfers anywhere on my upcoming online " future transfers. '' When I called about this, the citibank representative assured me that the recurring transfers had been canceled because our accounts were unlinked. 

However, the transfers HAVE been pulled from my account, despite my inability to see them. As a result, every two weeks since XXXX I have had an unauthorized transfer pulled from my account. I am unable to manage or cancel these, because they don't show up anywhere on my online account management. 

I have called Citibank multiple times to ask these transfers be discontinued since I am unable to access them on my own : I called on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I have spoken to multiple supervisors XXXX XXXX, XXXX, XXXX XXXX who assured me the transfers were canceled, however, they continue to be withdrawn from my account. Each time I call, I spend upwards of 30 mnutes on the phone having my account reviewed, each time I am told this is resolved, and every two weeks the issue persists. Each time, the supervisor I have spoken to says " they aren't sure why the issue persists. '' I am at the point of canceling my accounts with citibank just to avoid this issue persisting. I am a new parent on XXXX  leave, so it's difficult to spend long stretches on the phone with them, and because my XXXX leave payments come from different sources at different times, having surprise transfers pulled from my accounts often results in my account becoming overdrawn unless I make sure to check it every XXXX and XXXX. 

On XX/XX/XXXX, I spoke to XXXX, who informed me that the issues has persisted because the former representatives were accessing the wrong platform, and that in fact the transfers were never canceled. He assured me this time they were canceled, however, because this issue has persisted for over 6 weeks, I am skeptical about this and worried that the money will continue to be pulled from my account and this cycle will continue.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Colony Brands, Inc. (GA)

I have tried to rectify this situation but all they say is that it is my debt and I have to pay it. The problem is, I have no clue what this is or why its on my credit. I have not received anything from this company ... This needs to be removed from my credit report, I am not responsible for this debt.
Consumer complaint received 2022-10-10
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: MRS BPO, LLC (NY)

This started when I received a credit alert both from my bank / XXXX and XXXX XXXX stating that my XXXX XXXX had changed. After checking the score I found this had nose dived from near perfect to the low XXXX. Upon further checking with XXXX I noticed I had been put in for collection for an amount of {$1300.00} by a company called MRS Associates/ XXXX XXXX XXXX / XXXX XXXX NJ XXXX on behalf of their client " XXXX XXXX  ''. Not only do I not have any account with XXXX XXXX - and never have - but I have also never been contacted by MRS Associates directly, as I said the only reason I even knew about this was because of the credit alerts from XXXX and XXXX. I have spoked to XXXX and opened a fraud dispute which will take 30 days to resolve, and I will do the same with XXXX and XXXX. This is complete fraud and a review of MRS on the local Better Business Bureau reveals that they have had XXXX complaints about their business practices in 2022 alone, including an identical situation to mine involving XXXX XXXX  which leads me to question as to whether this MRS is in cahoots with their clients attempting to extort money from unsuspecting victims. I need this to be removed from all credit reports and an investigation should be launched into business practices of MRS. XXXX confirmed they will investigate under report # XXXX
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

They sent me a text saying they were CBE Group. A debt collection agency. I found out that he CBE group is a private collection agency for the IRS. But when I XXXX the number it came up as XXXX XXXX XXXX. 

I have already set up a payment directly with the IRS. I have never received a written notice from either CBE Group nor XXXX XXXX XXXX. 

They also call from different numbers with different area codes.
Consumer complaint received 2021-08-16
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. (MS)

Equifax, XXXX  and XXXX  have to ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NC)

On XX/XX/2018, my debit card was hacked and an XXXX XXXX was created and 5 separate transactions were attempted in the amounts of {$500.00}, {$500.00}, {$500.00}, {$450.00}. and {$450.00}. When I contacted US Bank ( XX/XX/XXXX ), I was immediately sent to the fraud department as the transactions were already flagged as potential fraud. I verified that I had not made the transactions. I was told that the transactions were a new XXXX XXXX account and someone attempting to wire funds to people. The fraud specialist assured me that she was reversing the charges immediately. I let her know that I needed to pay my rent and a car payment would be coming out. She said that the {$2400.00} was back in my account. She stated that I would receive paperwork in the mail to sign and would hear the results via mail in 60-90 days. 

On XX/XX/XXXX, I checked my account to find that my rent and car payment had bounced and I had a negative balance because all of the fraudulent charges had been processed. I immediately contacted the bank. The bank informed me that it is their policy that the vendor can choose to process the charges even though they are fradulent. The bank then continues the investigation and the money is returned to me in 10-14 days. Now, I have bounced rent, car, and other bills and have incurred late fees, and bounced charges. 

I do not believe that it should be legal for the bank to allow these charges to process after establishing with me that the charges were fraudulent especially after 1. already flagging the charges as potential fraud themselves. 2. verifying with me. 3. the fraud occured in a different state, and I had a charge in my own state same day. 4. and telling me my account was okay and returning the funds only to pull them agan. 

Also, I asked the bank to email me a statement regarding the fraud since I was going to start bouncing. They informed me it took 10-14 days to get me that information.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/2022, I stopped in XXXX XXXX XXXX to fill our car up with gas. I gave my Citibank Mastercard to the attendant. He went to put it in the machine and he came back and said it would not accpet my card. He asked if I had another card and I gave him my XXXX card which went through. After I drove away I recieved a notification from Citibank that a charge of {$970.00} was made on my card. I immediately declined the charge and Citibank called me and I reported the charge as fraudulent. They told me they would remove the charge and issue me a new card. Subsequently they informed me that they would not remove the charge and have charged me for it.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

On XX/XX/XXXX I called Great Lakes to issue a refund in the amount totaling over {$16000.00}. They informed me that request should take no longer than 30 days and my account would be updated within 20 business days on the request was approved by the Department of Ed. 

On XX/XX/XXXX, 5 weeks had passed with no update to my account or update on my request. I called Great Lakes for an update and was told that my account should have been updated by 20 business days, and yet it was not. I also still had not received a refund or and update on the request. They informed me that my request was approved with the Department of Education but it was " in process ''. They had not informed me that it could take up to 60 days. 

As of XX/XX/XXXX there has been no progress on my request. It has been over 50 days since I initially requested my refund and have seen no progress. There are multiple testimonials online with others submitting requests later than mine and receiving their refunds already. I do not understand how there isn't a priority depending on when a request was submitted.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, had violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-10-10
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. (LA)

On the date of XX/XX/2022 I sent my second letters via certified mail to delete inaccurate information off of my report. I sent XXXX dollars to send mail via certified and they refuse to furnish the correct information.
Consumer complaint received 2022-10-10
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

Paypal Transaction XXXX I made a purchase and tried to use a balance that has been sitting in my Paypal account for almost a year. Instead Paypal billed my credit card for the purchase amount and continued to hold the money in my Paypal account hostage, The purchase was for about XXXX dollars and the paypal account is {$39.00}. Threy have had a multitude of excuses why they need to hold my money hostage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (MD)

Grain XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding grain to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire XXXX XXXX I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well
Consumer complaint received 2020-12-28
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)

Hello, I submitted a complaint to you on XX/XX/2020 with complaint number XXXX. 
Your response from XX/XX/2020. 
Until today, I have not gotten a response to this complaint. 
I tried multiple times to enter to see the response of the complaint, and the last time I entered was today, on your website, it simply shows it as closed and doesn't allow me to see the complaint.

As you know that I do not know English, and you are using this fact. 
I ask your immediate response to me. Because I want to continue to respond to my justice, and your mistake. 
You took off way too many credit points from my credit score because of your own mistake. You hurt me strongly, and you definitely hurt the public consumers. 

XXXX XXXX
Consumer complaint received 2020-12-28
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (TX)

I have EXCELLENT banking history. I have NEVER written a hot check and my account is well established ( 12 years old ). I tried to write a check at XXXX in XXXX, Tx and was denied. It was embarrassing and I had to put my groceries back because I did not have another form of payment on me at the time. I reached out to Certegy Payment Solutions for an explanation as to why my check was denied and they said " check number, dollar amount, check-writing history or other transaction details. '' They also noted that there were no outstanding items and/or proof. Yet, I am not allowed to write a check for what is clearly a mistake on their part. 

I have reached out to them directly by mail to investigate and clear my name. However, I was told to submit this claim. 

Please help me - they are holding me responsible for inaccurate information.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (PA)

Fay Servicing LLC and XXXX XXXX XXXX somehow messed up the payoff balance after the XX/XX/2022 settlement. Each are blaming the other and are saying I am responsible? I was not aware of this until the week of the XXXX of XXXX 2022 when XXXXXXXX XXXX  called me and said something about they both paid on the escrow and I had to go to the courthouse and get the {$1800.00} check and cash it and send them {$1700.00}. Called Fays during the same period and on same day and they said they returned the payoff of XXXX because it was suppose to be XXXX. Now I am no genius but that is a difference of XXXX so why did XXXX need {$1700.00}? It changed two more times too {$690.00} and I believe {$1900.00} some? Have attachments I hopefully am able to send one includes Fays charging me XXXX house payment of {$1300.00} and now a XXXX recent payoff I requested on XXXX 2022.
Consumer complaint received 2022-10-10
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. (GA)

I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX  on my credit report.XXXX  updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: OpenRoad Lending (CA)

I have received notice from OpenRoad Lending, stating on the delivered mail regarding a current auto debt, which is a direct violation of my consumer rights under the FDCPA I may also state that I never entered a agreement with OpenRoad Lending for them to have my private information and use it in such a unlawful and disrespectful manner. This company has my private business matter printed on the envelope is unfair and unconscionable, so embarrassing for my information to be public posted for everyone to know that this company acknowledges current debt and trying to collect a debt also by intimidation of stating in the late a high payment due of {$530.00}. All of these violations fall under 15 usc 1692f, 15 USC 1692g. My identity was used by this company without my authorization which is also identity theft.
Consumer complaint received 2021-08-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

I had loans through XXXX XXXX, they were consolidated with Fedloans. A lawsuit was done and I was told I no longer owed money on these loans. They are still showing open through Fedloans and on my credit report.
Consumer complaint received 2022-10-10
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. (CA)

XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, XXXX  says XX/XX/XXXX while equifax says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-10
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. (CA)

XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active XXXX XX/XX/XXXX, equifax XX/XX/XXXX, XXXX XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!