davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (WA)

I am XXXX XXXX, currently working onboard cruise ship XXXX XXXX under the company XXXX XXXX. 
I did a international money transfer from an online app WORLDREMIT to my bank in the XXXX. However there was an error during the process and the money was not deposited to my bank in the XXXX, but they already deducted the money from my XXXX Account ( XXXX company Issued account for my payroll ). 
Now, I tried all the options from the app in order to fix the issue but the problem is they don't have any response, even a single email so that I have an update of what's happening to my money. It's a very small amount only {$100.00} but for me already big amount that I needed to send home. My last move that I did is to cancel the transaction and to return my money, but still they have no reply. I did the transaction last XXXX XX/XX/2022, today already XXXX XXXX I still have no update. 
The transaction number is : Confirmation Code XXXX I hope somebody can help me with this problem. 

Thank you in advance for your assistance. 

Truly XXXX, XXXX XXXX
Consumer complaint received 2022-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (IN)

I took a loan out on XX/XX/2022 for {$840.00} and was told my interest rate but with the payments that they are taking out, was told the fee would be xx.xx and only {$10.00} was taken for principle amount. They have excessively charged fees that I was not told of and the total amount of " fees '' I have paid to this date is almost ten times the amount of what I borrow. I did call to request a fee reduction since I have made my payments on time each and every week. Yes, this is a weekly fee amount and I will never be able to pay this off with the highest rate of fees I have seen. It is more that what was stated in the contract and now the principle balance has hardly reduced.
Consumer complaint received 2022-06-09
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-28
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. (NC)

I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (LA)

First main issue is that Afni , Inc account appeared on my Credit File as a new opened account XXXX, XXXX, in the amount of {$2100.00} that went into collection the same month it was opened. Which is showing as derogatory and hurting my good credit that I have worked tirelessly to build. I have disputed with all 3 bureaus because 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is fraudulent scamming activity and 5 ) this happened in XXXX twice and earlier this year but under a different name for XXXX XXXX XXXX with the same issue that I opened the account the same month is went delinquent. However, when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this XXXX XXXX XXXX collection and requesting they provide proof, and they always tell me they do not have me owing them because I do not have an account with them. 
In fact, two of the bureaus XXXX and XXXX I have opened more than one dispute because I was dissatisfied with result. Which has led me to use my right to make formal complaint against XXXX, XXXX and AFNI , INC. 
It should also be noted that because of the last complaint and issue with this fraudulent item that fraud alert has been placed on all three bureaus. 
I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. 
The right and fair thing to have the credit bureaus remove this inaccurate/fraudulent information from my credit file because it is not mine. As well, as for AFNI , INC, to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents for me to provide because again I have never been in a signed contract with AFNI , INC nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. 

Respectfully Submitted, XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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: CITIBANK, N.A. (VA)

On XXXX Received an automated text from Macy 's stating " register your new account online ''. 
Action taken by me : None at the point. 
XXXX Received an email notification from XXXX XXXX  stating " new credit inquiry added to your report ''. 
Action taken by me ( XXXX XXXX  ) : Opened my XXXX account and checked further details- found out about new inquiry made by Macy 's as on XX/XX/XXXX. I did not make this inquiry hence do not recognize the same. 
Further action taken by me ( ~ XXXX XXXX  ) : Contacted XXXX XXXX XXXX credit bureau XXXX Case was generated and expected to be followed up within 3-4 business days. 
Further action taken by me ( ~ XXXX XXXX ) : Contacted Macy 's. Call was transferred to XXXX from FTC who asked several questions and reported to have blocked the new application process that she noted was " pending approval at that point ''. 
Action taken by XXXX ( ~ XXXX XXXX ) - Requested to change my account password at Macy 's. 

XXXX Received automated text notification by Macy 's stating " register your new account online '' ( similar to initial text received as on XX/XX/XXXX ). 
Action take by me : ( XXXX XXXX ) - Changed password and deleted linked credit cards. Also writing this report to CFPB.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc ()

I opened this acc in XXXX this is old XXXX After that i moved to XXXX and i opened the acc from there and I received a money from my clients, My work is completely online in tourism in XXXX, i have website for tourism and clients text me on XXXX and make reservations for trips and theme parks tickits One of custome service called me in XXXX and said you should going to XXXX and add XXXX bank account for withdraw the amount, I did it already and opened bank acc in XXXX and added this acc in my PayPal acc, After that they limit me because they needed recipes for transactions but my business completely online as i told you, when i sent messages to explain that they close my acc and mailed me you should wait 180 day to restore that and withdraw a money I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

It was during 2020 during the COVID 19 pandemic I hadn't used the card in a few months but had always paid in full on time when I had used it. in XXXX of they decided that I was a credit risk ( my husband had carried a balance on one of his non wells Fargo credit cards while making the minimum payments ) and shut down my credit card and stole hundreds of dollars of rewards that I had earned to that point
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was supposedly called by XXXX, because they were going to cut me the power off for non-payment. They asked me to send a code through XXXX, but in the end it was money. They took XXXX  dollars from my savings. 
I called the bank immediately, but it was not possible to recover the money.
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (IN)

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received a alert from chase Bank about a address change on my credit report. When I looked there are 3 addresses on my report. The one in XXXX  and XXXX are incorrect.
Consumer complaint received 2022-12-11
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. (FL)

In accordance with the Fair Credit Reporting and XXXX Account # XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CO)

I made a purchase on XXXX XXXX and it was cancelled by merchant. Then I was charged a transaction of XXXX which I never authorized and XXXX isnt locating records of this transaction. Disputed with Chase and they didnt provide me with details on how this charge is valid or who made the purchase.
Consumer complaint received 2022-09-28
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: DISCOVER BANK (PA)

Improper uses of credit report accordance with the Federal Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purposes.

Billing Error Pursuant to 12 CFR 1026.13 XXXX XXXX  can not report late payments in accordance with this regulation of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).
Consumer complaint received 2022-12-11
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: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2022-12-11
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: Navient Solutions, LLC. (OK)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under dn open end consumer credit plan as late for purpose.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (VA)

XXXX ( recently rebranded as MidFirst ) illegally withheld interest earned in my checking account. On XX/XX/XXXX, I called to close my XXXX account. The representative informed me that although I had brought my balance to zero, my account had earned interest that had not yet posted. She asked whether I wanted to forfeit that interest by closing the account before the interest posted. I said no, I did not want to forfeit the interest, so I would wait to close the account until after the interest posted. I asked when the interest would post. She said early XXXX. I told her I would wait until the interest posted, then call back in XXXX to close my account. My bank statement dated XX/XX/XXXX accurately states that I had " interest earned '' on my account. But that interest had not yet posted. On XX/XX/XXXX, I called to ask when that interest would post. A representative named " XXXX '' claimed that I had forfeited that interest by closing my account. I said no, I had neither forfeited the interest nor closed my account, as evidenced by the XX/XX/XXXX recorded call. He said XXXX had closed my account. I asked when XXXX would send me the interest earned, as other banks do after an account is closed. He argued with me and interrupted me repeatedly, and finally agreed to submit a " call review request '' for a supervisor to review the recorded call and then contact me about it. No one has contacted me. In sum, XXXX blatantly disregarded my instructions, closing my account prematurely so that it could avoid paying out earned interest. XXXX has rebranded itself as " MidFirst, '' apparently to avoid the stigma XXXX earned for treating customers badly. REAL banks pay out interest earned, even after account closure.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Upon applying for a loan to buy a vehicle, it was discovered that Equifax and XXXX both can not verify my identity. I have called Equifax multiple times to try to fix the situation, and was told I needed to send them supporting documents in order for them to verify my identity. After sending what was required and calling them multiple times, they claimed that they did not receive my information. The last two times I have called them asking to speak to a supervisor, I have been placed on hold for a total of over a hour and a half, eventually leading to them disconnecting the phone call. I have mailed and faxed Equifax multiple times, each time ending in the same result. Ultimately, I have not made any progress into the issue, and I dont even know why the underlying issue was caused. I am unable to receive information about whether my identity was stolen, or it is something along the lines of my name or address being misspelled.
Consumer complaint received 2022-12-11
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. (KS)

I sent a billing dispute notice to CitiBank on XX/XX/2022. They received this notice via usps tracking and sent a stamped return receipt back on XXXX, XXXX, 2022. This notice stated that the entire balance at that time of {$9100.00} was in dispute. Citibank had 30 days to send a written notice saying they received this dispute. They failed to do so. Citibank also failed to send in any documentary evidence of indebtedness which is required by federal law to prove the account to be valid. As stated in 12 C.F.R. 1026.13 ( d ), the rules pending resolution of the billing dispute are as follows : 1 ) Collection action prohibited, 2 ) Adverse credit reporting prohibited, and 3 ) Acceleration of debt and restriction of account prohibited. Citibank has violated multiple of these listed, including reporting adverse events to the credit reporting agencies and accelerating the indebtedness of the account.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX I reached out to CitiMortgage to obtain a discharge of mortgage from XXXX in the amount of {$240000.00}. 
The XXXX I was given have the option to choose if you are looking for a lien release, this option provides you with a email XXXX. I have reached on to this website on XX/XX/XXXX, multiple times on XX/XX/XXXX, XX/XX/XXXX, multiple times on XX/XX/XXXX and on XX/XX/XXXX, multiple emails came back undeliverable so I then tried and additional email address on one of the emails XXXX, which I did receive an email back that stated not to reach out to this email anymore to contact the address I have already contacted multiple times. I also sent a fax request to XXXX, which, I received a confirmation that it was received but never received a response I then was told Citi Mortgage sold their servicing to XXXX XXXX, which I called and was given a 2 fax numbers XXXX and XXXX. Faxed my information to both numbers received a conformation the information was received but never received a response. Called XX/XX/XXXX to find out the status and was told XXXX is not responsible for a loan that was never sent to them to reach out to Citi. Was provided the same telephone number and email address that was already a dead end.