davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

The complaint is against Citi Bank. 

I tried mobile depositing a check from Department of Treasury into my checking account with Citi a few days ago. The check was for Covid overpayments in amount of XXXX. This morning I went to try to log into my online banking account which includes my checking account as well as a credit card account. It would not let me in. Keep in mind I have XXXX $ of my own money Ive had in there for months. I called customer service and they told me the account was blocked and transferred me to fraud line for verification. Waited on hold for TWO hours and a rep finally got on and inquired about the check from DOT. I gave all the details of the check in hand and she told me it was fraudulent and were immediately blocking all access to my account and closing the account. And that IF I had money owed to me it would be released to me within 60 days. If I have money owed? I have over XXXX of my money in there. I have a lot of money in that account and should absolutely not be blocked from accessing it as the Mobile check has nothing to do with my other funds. I asked for another rep and went back into the loop on hold for another three hours and no one ever picked up. So now I have no access to all my funds over a check that was NOT fraudulent and no direction. I went to another bank I have an account with today, not Citi, and they cashed it no problem. So Citi made a decision that was incorrect and Im being punished for it. I also tried calling supervisors on the personal account line and they told me they can not help me.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

In XXXX of XXXX I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX  was not available yet in my new neighborhood there would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX, and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. I requested that the Collection Agency ( AFNI ) to revise the statement with a XXXX balance and send the statement to me. 
AFNI has failed to send me a corrected statement.
Consumer complaint received 2017-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

XXXX ( a Nelnet company ) is misrepresenting interest and principal balances on my student loans. The loans date back to XXXX and have significant accrued interest. XXXX, the original lender, sold the loans to XXXX in XXXX XXXX. My student loan interest expense was misstated for the XXXX tax year. I contacted XXXX immediately, but the issue remains unresolved despite several attempts on my part to get a resolution ... most recently through CFPB. For reference, my final XXXX statement shows that as of XXXX XXXX of XXXX loan balance on my account, XXXX was principal and the remainder interest. In our most recent exchange through this website, Nelnet has refused to acknowledge the issue.
Consumer complaint received 2022-10-22
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. (NC)

I am writing about the company XXXX, which seems to refuse to remove their information about charge-offs on my credit reports. The account was opened in XXXX. I am also complaining about Equifax and XXXX. On XX/XX/XXXX of XXXX, I disputed XXXX XXXX XXXX  and XXXX with all three credit bureaus. XXXX is the only one that actually deleted both from my credit report. I have contacted XXXX and Equifax several times about this. XXXX and Equifax still show the XXXX XXXX XXXX and the XXXX account. I have tried contacting XXXX several times at the number provided, which is XXXX. You can not get anyone if you do not have your account number. It asks you for your account number or if you want to put in your Social Security number. I put in my Social Security number. Then it asks for the last XXXX of the account number. I can not speak with anyone about this because I no longer have that information. 
Whenever I contact XXXX or Equifax or dispute this with them, they tell me that it will remain on my credit report. Even though I have advised them there is no way for me to get in contact with them via the phone, this is still their response. I was told the first delinquency for XXXX was on XX/XX/XXXX. If bad credit is supposed to stay on your credit reports for XXXX years, this should have been removed on XX/XX/XXXX. When I called in to speak with advisors from XXXX about these two accounts, They stated that the removal date for the XXXX XXXX XXXX was on XX/XX/XXXX, and in XXXX. They stated that the removal date for XXXX would be XX/XX/XXXX. Today 's date is XX/XX/XXXX. XXXX should have removed these already. When I spoke with advocates from Equifax, they told me that the XXXXXXXX XXXX XXXX removal date would be in XX/XX/XXXX, and the removal for XXXX would be in XX/XX/XXXX. I honestly do not trust that Equifax will remove those two cards when XXXX of this year gets here. If all three credit bureaus are supposed to report the same information, then they should be deleted immediately because XXXX has already done so after I disputed these cards/ loans with them. Another thing I'm incredibly concerned about is the fact that XXXX does not show that this account is closed, which it has been for years now. Something needs to be done about this fast because it affects my ability to apply for certain types of credit.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX  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
Consumer complaint received 2022-08-23
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I was travelling at the end of XXXX and the payment was due early XXXX. I did not have data access ( just calling ) due to cell service. I called citi and they told me the payment was due XX/XX/XXXX. I logged in and paid the full balance on XX/XX/XXXX. 

On XXXX I find out Citi hit us with a late fee plus residual interest all because the payment date Citi told me was not right. I used Citi 's chat tool to discuss with a person who stated my payment was due on the XXXX, I pointed out I paid on the XXXX and that is exactly what Citi told me on the phone. The rep than changed the date it was due again. Citi is refusing to correct their mistake. XXXX  years with this card and XXXX late payments until now. This one was caused solely by Citi lying about the payment date, if they had told me it was due a different date, I would have paid it a day before that one.
Consumer complaint received 2022-08-02
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)

On XX/XX/XXXX, my credit score was XXXX On XX/XX/XXXX, I was trying to obtain a mortgage and was advised my credit report for equifax showed frozen. I called Equifax they stated my credit file was not frozen. I advised the lender and they obtained the same result. On XX/XX/XXXX, attempted to pull again with the same result. I contacted equifax again and was told they did not have a freeze and there is nothing they can do about this. I was unable to move forward with a mortgage. 

On XX/XX/XXXX, my score finally showed up again as XXXX On XX/XX/XXXX, I went to XXXX XXXX motors to obtain a car loan and they was unable to pull my credit. I called Equifax and was told my file was not frozen. I continued to get denied due to the report stating frozen by the consumer. After 3 hours and multiple calls to equifax I was then told by an equifax rep the name XXXX is shown as my middle name which was never my middle name. XXXX was my last name prior to getting married XX/XX/XXXX. I asked equifax why was that done and they had no explanation. I then advised the dealership and they included the name and my credit file was able to be pulled. Equifax advised me to send proof of identity with the correct name. I sent this information via certified mail. I also sent it by fax and was old it was not clear. I resent the information to equifax and the representative stated that it was able to be read and will be processed. 

When I begin to be frustrated about this my score decreased by XXXX points with no change to my credit file putting me at a XXXX. 

On XX/XX/XXXX, my score dropped XXXX points for paying down a credit card On XX/XX/XXXX, my score dropped 4 points for an inquiry when I was out the country and did not give any permission to have my credit pulled On XX/XX/XXXX, my score dropped another XXXX points with no change giving a score of XXXX It appears that I am being discriminated against by equifax. When I want to obtain credit my file can not be pulled as they continue to use XXXX as my middle name after being proven several times that is not my name however, they continue to decrease my credit score causing me a total of XXXX lost and placing me in another credit category. I have no delinquencies and my score is showing as if I did not pay my bills and Equifax has ignored the issue but rather punish me for being frustrated.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WV)

My last credit report with equifax was on XX/XX/2022. 
I tried to get approved for a mortgage and no one was able to pull the report. The mortgage company even tried calling and they got a fraudulent error. 
I called equifax several times and they said there was XXXX issues and nothing fraudulent. 
And didnt know what the issue was. 
They had me fax in documents and then told me to wait 14 days and said they never received them and to try again in 30 days. So I called back and they said they didnt have them. I faxed a second time and still said they didnt receive them. 
After making several calls they somehow got my name wrong. I tried to dispute this and it has yet been changed and has been almost 90 days without resolution and Im still unable to purchase a home. 
I tried free annual report and it gives me error code NH and tells me to call equifax. 
Iva asked to speak with managers and theyve hung up on me and refuse to help. 
My XXXX and XXXX report are fine. Its just equifax.
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (FL)

Navient acct XXXX reported that I was late 3 times and that is inaccurate because my student loans have been in deferred status and never in repayment status credit reporting needs to be updated to reflect that I was never late
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXX, XXXX  sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX, SC, and MI, then in XXXX XXXX I sent certified to credit bureaus and to XXXX, SC, MI, requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX  is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this on my credit report.
Consumer complaint received 2022-08-02
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)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-06-09
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. (MS)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Accoun # XXXX XXXX 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
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC (TN)

On XX/XX/XXXX I applied for a title loan at the XXXX  located in XXXX Tennessee for {$450.00}. I paid off the {$450.00} loan on XX/XX/XXXX. On XX/XX/XXXX XXXX brought back my title for {$350.00} and did not close out the loan or payoff of {$450.00}. XXXX continued to charge me monthly fees on the {$450.00} which I paid off on XX/XX/XXXX. I have consistently left messages with the district manager XXXX XXXX who has not returned my calls. I've also tried to contact XXXX XXXX who is the President of XXXX and have not received a response.
Consumer complaint received 2022-08-02
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. (VA)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, EQUIFAX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$210.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-02
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: GOLDMAN SACHS BANK USA (GA)

I was in a XXXX XX/XX/XXXX XXXX  XX/XX/XXXX in XXXX  for XXXX XXXX months after I had to learn to walk talk write go to physical therapy for over 7 months. Account was open XX/XX/XXXX but I wasnt able to hold a phone nor write or talk due to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX dispute it with them they closed account and stated they was going to remove it but hasnt its been XXXX  months now. I have a police report XXXX stating that I was in XXXX  and this a fraudulent account need to be removed as well sent in my hospital records.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX Opened XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$0.00} XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (IN)

I opened an account on wise.com on XX/XX/2022 because I was closing my bank account because I wanted to get a local one where I moved. I put my funds ( {$300.00} ) inside of wise until I found another bank. When I decided on what bank I transferred {$250.00} to that account they pushed the transfer date twice and I wanted to look into investing so I made another account for me to start investing and I made 2 {$10.00} transfers to it to open and fund my stocks. On XX/XX/XXXX which was one of the times I was supposed to receive my funds in both my accounts they delayed it again to XX/XX/XXXX, when I woke up on XX/XX/XXXX I had an email about my transfer being delayed again so I went to log into wise. Well they deactivated my account without even telling me in a email that they even did and I have been email and contacting them constantly with no response. I put in an appeal like their online help stated to do so they can get my new bank info to send my money to that was in the account, so I gave them that info and submitted my appeal. We'll today XX/XX/2022 the email that I finally received wasn't even to help or try to get me my funds. They just stated that my bank debit failed and they took my money and now they want me to pay it off when the day they deactivated it, it still had my {$300.00} in the account. I have no received my {$300.00} in my new account I put on the appeal like I was told to do by their website.