davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
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: Mr. Cooper Group Inc. (MA)

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS XXXX XXXX Case. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-07-14
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: The Bureaus, Inc. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. XXXX days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-08-18
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: MIDFIRST BANK (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-08-18
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: WELLS FARGO & COMPANY (NJ)

I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and WF CRD SVC with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-18
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. (CT)

XX/XX/2020 Dear Sir / Madame : I am writing to contest the {$890.00} flight tickets from XXXX XXXX that I purchased with my Citibank credit card. The tickets in question were for two roundtrip flights from XXXX to XXXX, leaving XX/XX/XXXX and returning XX/XX/XXXX. Leading up to the departure date, we received a text message from XXXX XXXX indicating that either the outgoing or returning flights would be cancelled. XXXX then presented us an option to request a refund which we promptly did XXXX please see attached screenshot XXXX XXXX XXXX XXXX. 

Subsequent to this, we received an e-mail from XXXX XXXX on XX/XX/XXXX asking us whether we want to be refunded via travel credit in XXXX, Option 1. Or, to proceed with a reimbursement, Option 2. We chose Option 2 ( please see attached e-mail XXXX XXXX XXXX. 

Finally, on XX/XX/XXXX, we received another e-mail from XXXX indicating that they are processing our reimbursement request ( please see attached e-mail XXXX XXXX ). 

XXXX XXXX subsidiaries in XXXX have filed for bankruptcy and has curtailed operations in the United States as the result of the COVID-19 pandemic. 

Since we will not be able to fly on the purchased value of our tickets, we reached out to Citibank for a refund. Although it indicates on their website the issue should've been resolved in XXXX, it still has not. 

I wrote Citibank and called their office a number of times. They mentioned their office would get in touch with me, but they have not. As a matter of fact, they've charged me interest charges the last couple of billing statements because I've refused to pay the {$890.00} charge. Also, I contacted Costco who the credit card is co-branded with. 

Our concern is, with XXXX XXXX XXXX impending bankruptcy, we will not get the value for the flights we paid for. And thus requesting Citibank 's refund. 

We appreciate your support and understanding. 
Sincerely, XXXX XXXX XXXX XXXX ( mobile )
Consumer complaint received 2020-08-18
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: JPMORGAN CHASE & CO. (NJ)

I have a loan with XXXX XXXX XXXX XXXX, JPMCB CARD, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, JPMCB CARD, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NV)

My husband, XXXX XXXX XXXX, passed away on XX/XX/2019 ; after his death I found several credit cards in that I did not sign up for - in my name. The credit card 's statements were being sent to one of my husband 's P.O. Boxes and I did not know about the credit cards. 

I have been contacting and informing the credit holders of the accounts fraudulently opened in my name ; in several instances the signature, handwriting, address, and phone number, were not mine, but were all of my late husband. Minimum payments were coming from my husbands accounts so he very well knew about it ; and evidently kept it hidden from me. 

After submitting a claim, Walmart/Synchrony Bank deduced that my husbands signature, address ( P.O. Box ), phone number are all mine, and I was an authorized employee on these accounts. I never knew I worked for my husband. Walmart/Synchrony Bank has now sent one of two accounts I did not open to debt collection.

I wish to petition the Consumer Financial Protection Agencys help in resolving this issue with Walmart/Synchrony Bank ; as their determinations are unjust. These accounts were fraudulently opened in my name, I've never seen the credit cards or statements - until my husband passed away. 

The account details are listed below : Walmart/Synchrony Bank XXXX. XXXX  XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance XXXX {$680.00} Walmart/Synchrony Bank XXXX. XXXX XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance :????
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-18
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. (KY)

To Whom It May Concern : This letter is in response to your recent claim that XXXX   XXXX XXXX XXXX XXXX XXXX ( XXXX ) has verified that the account they are reporting under my name is accurate. I have recently been informed that there is negative information reported by your company in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have failed to post payments and other credits, charges that list the wrong dates and Metro 2. These are false allegations and I challenge the accuracy, compliance and reportability of this listing. I do not consent to e-oscar or any means of automated verification.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, XXXX XXXX XXXX XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX XXXX XXXX XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Consumer complaint received 2020-08-18
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)

After checking my credit report I have found numerous inaccuracies and violations. I have contacted Equifax multiple times to correct these errors but to no avail, as they seem not to be conducting a proper investigation. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX all of which have not been able to correct these errors. Below are the account & numerous inaccuracies along with violations ( FCRA, FDCPA ). 

XXXX - Date of Last Activity is incorrect, High Credit inaccurate, Showing a Past Due on a Charge Off account. 

XXXX - High Credit incorrect, Showing a Past Due {$55.00} on a listed Collection/Charge Off account, Date of Last Activity inaccurate, Date of Last Payment is incorrect, Payment History is inaccurately reporting. 

XXXX XXXX - Showing a Past Due {$180.00} on a Collection/Charge Off account, Date of Last Activity is incorrect, Payment History is reporting inconsistently. 

unauthorized inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Its my understanding each item on my credit report should be reporting 100 % accurate. The FCRA states its the SOLE responsibility of Equifax to conduct a proper investigation and the validity of each item or it must be removed. Equifax refuses to remove the above adverse accounts for inaccuracies they are falsely reporting.
Consumer complaint received 2020-08-18
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA (NY)

Im becoming increasingly concerned with the servicing provided by MOHELA for my loan originated with XXXX. In XXXX they raised my variable interest loan up to 7.18 % from 3.55 % the previous month. I notified them of the error and it was corrected down to 2.98 %. I didnt want to make a big stink about it going up 4-5 % for a few days so I let that go after it was fixed. 

Then in XXXX I applied for an economic hardship ( XX/XX/20 ) forbearance as a result of medical bills I received. They sent me the form via e-mail & instructed me to return it via my dual authenticated account online. After I completed the form and uploaded it as instructed, they denied the claim without cause communicated to me. I reached out & they indicated said without an actual signature they couldnt approve it. I asked them for alternatives because I dont have a printer and didnt think it made much sense for me to go to XXXX to pay for printing in the midst of a pandemic and while applying for an economic hardship forbearance. Further, working for a financial institution myself, I know theyve had months to figure out alternatives to solve for this exact situation so that customers dont have to leave their houses or interact with strangers in the midst of a pandemic. 

Despite their lack of assistance, I was able to have my fianc print the form I needed to sign & uploaded it with the requested signature a few days later. It was submitted prior to my due date & I received notification of the forbearance being approved on XX/XX/20 the same way i became aware of the denial previously. 

Despite the approval, they still took the money from my account. I called them and told them I needed the money & wouldnt be able to buy groceries unless it was returned. They told me they would process the refund immediately. A week went by, and my checking account was still over drafted because of the payment they took. I called back and they told me they actually HAD NOT processed the refund the week before, and would process it that day. At that point I reached out to my bank to file a dispute because the loan was in forbearance when they withdrew the money and i wanted the overdraft fees refunded also. MOHELA botched the refund, and have now the set my principle balance higher than its been since XXXX despite the fact that Ive been making interest payments all along. I should not have to pay interest on the same principle balance more than once as a result of their mistake. Ive asked multiple times for the balance to be returned to the amount quoted in the forbearance agreement. 

Im concerned that their servicing contract with the federal government has made XXXX customers less of a priority for MOHELA, and operational errors like this are more likely to occur moving forward with any additional volume.
Consumer complaint received 2020-08-18
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. (MN)

I purchased a program through a company in XXXX named XXXX XXXX. The deal was that they would charge me {$500.00} per month starting XX/XX/2020. This company was not able to provide me their program as they took down my email incorrectly. I was told I would have 7-days to review the program. Since this company could not provide me the program the day I accepted, I tried going through 2 XXXX accounts I was supposed to figure from the company. I asked for a refund within 7 days after trying to figure this system out. I mailed Citibank several times with a detailed letter explaining the whole problem. CITIBANK HAS BLOWN ME OFF AND DISMISSED MY REQUEST FOR THE REFUND! I am looking for the 2 payments of {$500.00} as a credit along with the interest incurred. 

Please help me, Citibank won't help me out. 

Thank you in advance.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

I have explained to Paypal that the bank transfer ( Transaction : XXXX ) was going to a closed account and they need to cancel that transaction so I can transfer to a different bank account. 
Paypal mentioned that I need t contact my bank for a transfer that is going to a closed account. My Bank has stated that Paypal can only fix this. However, XXXX and XXXX from Paypal are suggesting that it may take 30 days for them to fix this. This is unacceptable.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

My debit card was stolen by this man who told me his name was XXXX and he somehow knew my pin and stole around {$500.00} before I shut down the account and told him to give it back or police will be involved and that its already shut down so he did. I have contacted both Chase Bank and the police about this, police arent doing anything about it and Chase thinks that I am either scamming them or something. I told them to look at the cameras to see it is clearly not me taking the money which they then said the police had to but it was in a Chase Bank using their ATM but they are refusing to check the footage. They gave me around {$200.00} of the stolen money back just to steal it from me a month later. I called about it today when I found out and this lady was very difficult saying the same things like to contact the police even after I told her I did, and that the investigation team didnt think it was actually stolen. She was becoming increasingly more difficult until she put me on hold for her boss that I am on hold and have been on hold waiting for over an hour and a half. If anything, I would just atleast want the {$140.00} from the chase ATM that they can clearly see it was not me. The bank is seeming to ignore me now. When I first called about the card it was within 24-48 hours after the card was stolen and nearly {$500.00} was gone, the lady told me that the bank will do everything they can to return my money, returned less than half of it just to steal it back without notice. The new lady said that the money was temporary to begin with but I was never told that before it was taken. I am afraid they are going to take out more money illegally that was never stolen to begin with and make up an excuse for why and give me no real evidence. Thank you for your time and help I am very upset about this happening.
Consumer complaint received 2020-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

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Consumer complaint received 2020-08-17
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.