davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank allowed XXXXXXXX XXXX XXXX XXXX to activate an account without the consent or knowledge of the applicants. Synchrony has denied two fraud claims, but has recently reopened the investigation. Synchrony Bank allowed a representative from the merchant to activate the account. Three days after activating the account Synchrony Bank allowed the merchant to withdrawn the entire balance of the credit account without consent or knowledge of the applicants. Sychrony Bank representatives have acknowledged that the account was activated by the merchant, from the merchants office, and without speaking to either applicant. Synchrony Bank has a fraud liabilty policy and an obligation to protect the consumer.
Consumer complaint received 2021-03-14
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. (GA)

Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX XXXX XXXX XXXX. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).
Consumer complaint received 2021-09-08
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. (GA)

The Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations.

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I have disputed the alleged collection with XXXX and Equifax several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Consumer complaint received 2021-09-08
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has declined to make my economic impact payment of {$2800.00} available and has stated more than once that they will make the funds available even though that have received the funds from the treasury department early. They received my federal tax refund and made that available early. It was made available XX/XX/21 with a scheduled deposit date of XX/XX/21. Both the economic impact payment and the federal refund come from the treasury department. Large banking institutions holding funds that are to be dispersed to struggling Americans is corporate greed. Its wrong and it should not be allowed. The president announced we could receive these funds as early as this weekend, and some people have began receiving their payments as of Friday, XX/XX/21.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AL)

I need my XXXX for my student loan. I checked the Federal Student Aid site and it was not there. I emailed them and they said check with my servicer. My servicer said to check with FSA. I just need the XXXX and apparently neither one has it.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (TX)

During the first time applying for a mortgage with XXXX XXXX back in XXXX of XXXX a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from XXXX XXXX  I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from XXXX XXXX  would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from XXXX XXXX. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXX which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NJ)

On XX/XX/XXXX I noticed my balance was very low. Called the card and had my XXXXnauthorized purchases. I called to dispute and the worker said there were XXXX transactions of XXXX all from online. Said XXXX more were pending so call back in a few days. Called back XXXX XX/XX/XXXX opened dispute. Also noticed there were charges as far back as XXXX. Other cou tries, states. Filed a police report and waited.on XX/XX/XXXX I called and the worker said I was approved to call back in 3-5 hours. Call back and new worker says denied? That upper management would take a look but decision is final? How am I suppose to live? This money is suppose to be fdic insured.
Consumer complaint received 2021-03-15
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: EQUIFAX, INC. (IL)

My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a XXXX card inquire and a XXXX inquire that was not me. If this woman ( XXXX XXXX XXXX XXXX has your info for any reason report her.
Consumer complaint received 2021-09-08
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. (NJ)

I purchased a TV from a retailer, but when I opened the TV it was broken. The retailer was not willing to take back the TV. 

While in the store, I called Citi on XX/XX/XXXX and told them that I intended to leave the TV at the store if they could assure me I would get my money back. 

Their customer service rep assured me twice that I would receive a full refund, so I felt confident leaving the TV at the store without documentation. I stayed on the phone for confirmation that I would get my money back through email. It took a very long time so I told the associate I would look out for the email and if it was not received, I would call again the next day. 

The next day ( XX/XX/XXXX ), I called back because I did not receive an email. The second associate I spoke to told me they could not issue an email but that it was highly likely I would get a full refund, so I should not worry. 

Based on these communications, I did not get any further documentation and left my TV at the store. 

On XX/XX/XXXX, my dispute was denied for lack of documentation. This is very distressing and unfair because i would told explicitly that I would get my money back. I was clear about leaving the store without the TV and confirmed twice they would credit my money. 

A Citi agent felt this was unfair and confirmed my recollection of these events ( by reviewing the call history ) and plainly said that if he could have, he would have issued me a full refund. But he was not authorized to do so. Citi was only willing to issue me a courtesy credit of {$100.00}. 

Citi should take responsibility for their customer service department. Because of their misinformation, I have no TV and no recourse. I have lost more than a XXXX dollars and neither Best Buy nor Citi are taking responsibility.
Consumer complaint received 2019-02-10
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. (NV)

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my head injury from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then XXXX   added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
Consumer complaint received 2021-09-08
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. (NC)

They are charge off accounts on all 3 of my credit reports please see attached credit reports to show the accounts with balances that are not mine I should only have a mortgage and closed paid as agreed credit card accounts
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Continental Credit, LLC (NV)

I started this program back in 2019 paying over 85 a month. They lowered it to XXXX  after I complained and said what do they actually do for me especially since I can do all of this myself. I have several times asked them to cancel my service after nothing that was promised was fulfilled. I have asked for a refund in writing going back to when I first asked and they still have yet to give that to me. Instead they just call and ask me to consider giving it time. I normally do not make complaints but I had to file a claim with my bank and now this.
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This organization called Paypal, had collected funds of XXXX sales in XXXX, had held it for 3 to 4 weeks, than sent email that fund was available. Tried to transfer funds to two differnt accounts, XXXX XXXX, and XXXX XXXX account, both times refused to transfer claimed that account was not proper for their website. Three months past, tried to send the funds, EXACT AMOUNT to my service provider lady, to empty the available balance. Paypal had a valid credit card deposited with them for expense issues of XXXX servive, which was used fraudulantly to purchese services instead of sending the available funds to my service lady. I am living in the XXXX border area of XXXX XXXX, when a problem comes Paypal CHANGES THE LANGUAGE TO XXXX, UNABLE TO UNDERSTAND, or claims unusual activity an blocks the site to access to finish the complaint issue, WHICH JUST WAS DONE AFTER FILING THE ISSUE AND DEMANDED TO CLOSE THIS ACCONT!!!
Consumer complaint received 2017-04-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (PA)

Today marks the seventh call I 've made to my mortgage com pany - Loan Care -  in regards to my  XXXX  taxes not being distributed. Per our contract, all of my taxes are included in the lump sum mortgage payment I pay each month. I received a " delinquent notice '' from  XXXX ,  XXXX ,  XXXX   XXXX  explaining my  XXXX  taxes remained unpaid. I called  XXXX ,  XXXX ,  XXXX   XXXX  back in  XXXX , with confusion, since I understand the agreement between Loan Care and me and my husband as the owners of the property.  XXXX ,  XXXX ,  XXXX   XXXX  assured me they did not receive any payment from Loan Care ; however, they did confirm that they sent them a bill  to Loan Care [ for  our  XXXX  taxes ] back in  XXXX  of  XXXX . When I called  Loan Care c ustomer service, they did not deny they dropped the ball ( and confirmed they would get the taxes pai d (  {$3000.00}  ),  which includes the penalty and service cost. I emaile d Loan Care  again on  XXXX   XXXX ,  XXXX  and I received no resolution. I called again on  XXXX   XXXX ,  XXXX  and spoke to a  manager  named, "  XXXX  '' who assured me our taxes would be paid that day, and she would send me a confirmation email with the breakdown. That never happened, so I called the direct number  XXXX  originally provided me on  three d ifferent occasions, and I got a machine message for "  XXXX  '' (  XXXX  either lied about her name, or she pawed the responsibility on to  XXXX   ).  Nevertheless,  XXXX  nor  XXXX  have yet returned my calls. Today, yet again, I hung on the phone for ov er 15 min utes, and when I asked to speak to  XXXX ,  XXXX , another customer service rep, hung up on me. I called back AGAIN, and spoke to another customer service  manager  named,  XXXX , who advised he could n't help me. It is now  XXXX   XXXX ,  XXXX  and there is a lien threatened to be placed on our home, as the taxes still have not been paid. This is outrageous!!!!! My husband and I are the innocent party and are being treated like criminals all because of this unorganized, lying, lazy mortgage company!     Aside from the frustration for the people working there who make continuous false promises,  Loan Care has breached our contract wherein they are legally responsible for correctly distributing our tax money.       XXXX   XXXX
Consumer complaint received 2021-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-08
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-08-10
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. (MI)

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
Please the summary of the negative accounts below ; XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$230.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2022-10-26
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: GUARANTEED RATE INC. (TX)

During the first time applying for a mortgage with Guaranteed Rate back in XXXX of 2022  a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from Guaranteed Rate. I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from Guaranteed Rate would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from Guaranteed Rate. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXXn which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (PA)

I have a complaint # XXXX that was closed, however the issue has not yet fully been resolved. I was dealing with XXXX and she was helpful, but needed to follow-up after XX/XX/23 to finalize issue of interest fee charges. She called after business hours, as they always do and I repeatedly told them they must call during hours of operation so we can address this business account properly. I tried to call the main number back to leave a message for XXXX and was told they have no way to get message to upper management who is working with me. 

-I never received last months bill in the mail and never got a response as to why. They continue to not send invoices, then charge us interest and late fees. Can't rely on online statement because when I access my account online, it shows double billings- have not gotten a return call to address this issue. 
-Just printed out my last months bill and found more interest charges that need to be resolved. 

This is a continuation of the first complaint and need an upper mgmt person to contact me at XXXX.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (MI)

AFNI reported on XX/XX/XXXX, an account that is from XXXX ( Originally from XXXX XXXX XXXX ) for {$250.00}. I disputed the account with AFI and XXXX but got nowhere. 
It should not be in my credit report, but keeps showing up with new dates. They will not remove it from my credit report even though it's past the statute of limitation.