davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
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. (SC)

Equifax and XXXX are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency EQUIFAX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy XXXX  : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO XXXX FOR ANY OF THEIR SERVICES
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

In early XXXX Citi Credit card suggested for me to change my account number due to a vendor billing my card even after cancelling my service. I agreed and changed my account with that change my auto payment was not changed. 

After my auto payment was changed I made a payment using the app, about 2 weeks after I received an email that my mobil payment was never received which I called fixed the issue and made another payment. 

While making the second payment which was received Citi told me that the late returned penalty will be taken out and should not worry about it but 2 days after I found out that my credit card was closed due to late or returned payment. 

The reason my payment was returned is I was told that my Citi Checking account had a system glitch or when I submitted payment the account number used was my old account number. 

I have been a customer for over 12 years but when my account was closed by Citi for returned payment i did not even receive an email or a call had to find out when automated payment was rejected and other vendor called me to let me know that my payment has been declined. 

Citi Credit card and Citi checking team do not work together to understand the issue and when they send the account to someone for approval to reopen they are not looking at where and why payment was returned.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CONTRACT CALLERS INC (GA)

On XX/XX/2020 I sent a copy of a paid in full letter from XXXX XXXX to Contract Callers to the email address provided, XXXX. Prior to sending the letter, I spoke to two different associates at Contract Callers Inc. informing them the account has been paid in full. I also spoke to several associates and a supervisor at XXXX XXXX asking them to update the collection company that they sent my information to, with information that the account has been paid in full. XXXX XXXX says their only responsibility to me is to send me a paid in full letter, which they have done, XX/XX/2020. I've disputed the information on my credit report with XXXX three times and CCI  response to XXXX  is, the amount is still owed. CCI refuses to update my credit report with correct information.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Lenders Investment Trading Corp (MI)

I sold my home in XXXX. I have an escrow refund due to me. RP Funding keeps making excuses about the mail system, incorrect mailing information ect. We are going on 4 months and no refund. I call today XX/XX/XXXX, they tell me we need to wait 7 more days to see if someone cashes the check then another 30 days for it to get here. Anytime they want something from me the mail makes it just fine. But for some reason if they owe me it is hard to get it to me.
Consumer complaint received 2021-04-23
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: FORD MOTOR CREDIT CO. (MN)

An account that were previously held by Ford Motor Credit Company is reporting wrong. The account was included in a Discharged Chapter XXXX Bankruptcy but on my credit reports the account in question still shows late payments and not the proper reporting. Under the Fair Debt Collection Practices Act, the account should show " INCLUDED IN BANKRUPTCY '' and should have previous late payments and Metro 2 data showing charged off account not showing up.There are numerous issues with the reporting that violates the law. When I disputed this issue with XXXX  and XXXX, the Credit Bureaus deleted the account for violations against the Fair Credit Reporting Act. When I first noticed the issues were in XX/XX/2021. When I noticed the issue, I disputed it with Ford Motor and the CRA 's. Ford Motor didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ford Motor Credit Company delete these two accounts off of my credit reports for good for violations against the Fair Debt Collection Practices Act.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

Wells fargo stole around {$8000.00} out of my account. My husband had a credit card with them and they illegally added the credit defense platinum on to it without authorization. After wells fargo lost their class action lawsuit they refunded us a check for {$3500.00}. This does not come close to what we are owed. We could not finance a house and had higher interest on vehicles because of lowered credit score. We would like our money back and I can not get any on the phone that can explain why we received that number back or why they were able to go into our account and take money that was not theirs.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3000.00} XXXX {$4300.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2021-04-23
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: CITIBANK, N.A. (UT)

XXXX XXXX XXXX is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for Citibank? I have never had an account with Citibank for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period XXXX XXXX remove all negative reporting from my credit file and such deletion letter will be provided to me. XXXX unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that XXXX XXXX remove this account immediately.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (PA)

I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XXXX  in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XXXX  transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.
Consumer complaint received 2021-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (FL)

I AM CONCERNED ABOUT THE ARTICLE I READ XXXX FINANCE ABOUT STUDENT LOAN CANCELLATION FOR STUDENT WHO ATTENDED XXXX  XXXX XXXX DECEPTIVE AND MIS LEADING PRACTICES ESPECIALLY XXXX  GO BACK SCHOOL WE HELP YOU FIND JOB ADVERTISING DIFFERENT AFFILIATES WHO THEY PARTNERED WITH. 

PROBLEM I HAVE IS THAT MYSELF AND THOUSANDS OF OTHERS WHO ATTENDED FROM XXXX, XXXX XXXX UNTIL XX/XX/XXXX. ARE NOT ONLY BEING LOOKED OVER BUT WE WERE THE VERY STEPPING STONES USED AS DECEPTIVE AD TO HAVE OTHERS ENROLL IN PROGRAM. I WAS RUNING XXXX XXXX XXXX XXXX AND XXXX XXXX WHEN THEY DUPED ME INTO GOING BACK SCHOOL. XXXX  YEARS LATER STILL SAME BOAT. 

I AM REQUESTING ACTION AGAINST XXXX XXXX XXXX AND FTC FOR OVERLOOKING IMPORTANT KEY FACTS TO WHAT WAS HAPPENING. 

I EVEN OFFERED TO MAIL XXXX XXXX XXXX XXXX XXXX  BACK TO XXXX  AT XXXX XXXX XXXX XXXX USELESS. 

I AM AM THAT NOT ONLY MY COMPLAINT BE HEARD BUT HOLD XXXX  XXXX XXXX ACCOUNTABLE FOR THERE ACTIONS VOLUNTARILY AND INVOLUNTARILY. I HAVE FILE COMPLAINTS BEFORE AGAINST DECEPTIVE PRACTICE. I SUFFERED XXXX XXXX TRYING TO RESOLVE ISSUE ABOUT XXXX  XXXX XXXX. I AM SURE THAT THEIR ARE OTHERS OUT THERE WHO ATTENDED XXXX  XXXX  XXXX DURING XXXX FEEL SAME WAY AS I DO. I AM FIGHTING TOOTH AND NAILS ABOUT WHAT RIGHT. 
CANCEL MY XXXX XXXX ALSO. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-15
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. (SC)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NV)

I have been trying to withdraw and transfer USD and cryptocurrency from my Gemini wallet but have been unable to.

When I reached out to Gemini support about the issue, they immediately restricted my account ( without explanation ). Any further attempts to reach out to Gemini support resulted in no response.
Consumer complaint received 2020-10-12
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP (NY)

Today, I received a Civil Court Summons from the law firm Forster & Garbus LLP ATTY for PLTF Taped in the hallway of where I live. They use harsh tactics and verbal abuse when trying to collect debt. Also they use fraudulent templates of government documents to collect debt. Using fake index numbers and wording. This summons was for the amount of {$3600.00} in which Forster & Garbus posted in the hallway of my building. This all happen today at XXXX XXXX  on Wednesday XX/XX/2019 XXXX
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I tried to call the person that scammed me to get my money back but of course he disappeared, so I called my bank and explained that I was scammed and asked if they could help but they said because it was through XXXX, they were unable to do anything. So I called XXXX and they said since it was through my bank that I had to call them. I called them again to try and resolve this issue and they continued to say they could not help me. I lost {$740.00} to a scammer and they say they can not help me.
Consumer complaint received 2020-10-12
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: CORELOGIC INC (GA)

Upon checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2020-10-12
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. (SC)

On XX/XX/XXXX I sent credit dispute letters asking for the credit bureaus to properly verify and validate these accounts because they do not belong to me and they are a product of identity theft I ask them to send me a copy of application and contracts sign by me To verify identity and I have not Received any of these items At all I received was a letter stated These items was verified as accurate and a couple of bills that dont belong to me
Consumer complaint received 2020-11-13
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: CHECK INTO CASH INC. (CA)

On XXXX XXXX I was notified by my credit repairer that I had 5 new inquiries on my credit report. I was highly upset because that highly effected my process that was previously paid for and will cost much more as well as take even longer now to fix. The biggest problem with this is that I did NOT do these things nor did I authorize anyone to pull my credit without consent. The inquires came from check into cash I have not had any contact or affiliations with them since XX/XX/2020 when that was only to pay them off and be completely done. I have no idea why they would come back later as if I tried to apply again. The second biggest problem is that when I reached out to them they spoke to me as if I were uneducated and silly! She told me that the inquiries I saw were soft inquiries and do not effect anything and that I was the only person who could see this. Which in fact, my credit score went DOWN 66 because they pulled my credit not once but did FIVE inquiries, I am on my own personal credit repair process which this highly effected, and XXXX XXXX  is certainly a credible source in which I, as well as anyone else can see the inquiries she claims does not effect anything. 
I was very disturbed by her response which in fact even IF she claims these were soft inquires these were inquiries I DID NOT MAKE AND OR CONSENT TOO. So we have the same issue. I advised that they remove the inaccuracy or I would be filing a complaint and as you can see below they refused. I am highly upset and would like these inquiries removed immediately and compensated for how this has effected me. This is very wrong of this company and these things should be corrected without a representative telling me wrong information when I have been professionally advised and as representation of this company she should at least give accurate information not continue to wrong faithful customers.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I am looking for removal of their reportings on all major credit bureaus, a copy of the contract between myself and IQ DATA INTERNATIONAL INC, and per my fee schedule on my XXXX  I requested {$25000.00} that I can legally sue them for at this point a per XXXX they have NOT furnished anything and administratively I am now holder in due course of this arrangement per their silence and admission of falsely defaming my name publicly, I am requesting {$10000.00} for use of my Social security number per my XXXX filing Number XXXX. They have been notified not to contact me via phone but by written correspondence only.
Consumer complaint received 2018-02-16
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. (PA)

In the past two years XXXX  XXXX XXXX  is being reporting inaccurate information to the three major bureau on my behalf. l have sent them 4 different letters requesting to verify the that this information is mine, and, that it is accurate. in violation of a federal law all four occasions they have failed to provide me with a copy of the original contract with my signature on it. All l get is a response back in the mail, stating that they do not understand the reason of my despute. The case is for the three major Credit bureau, XXXX XXXX, Equifax and XXXX, none of them can seem to follow the law and at least provide with a copy of the original contract with my signature on it,
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX  claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

XX/XX/2020 I was notified by Wells Fargo that to continue to receive mortgage services I needed to enroll at wellsfargo.com ; my mortgage had been purchased from another bank and was part of a third-party website wellsfargo.com/XXXX  ( XXXX ). Wells Fargo was migrating my mortgage to an " in house '' mortgage and I needed to enroll with the " main '' website. 

In XX/XX/2020 I had a phone call with a Wells Fargo person who said my account was migrated and gave me a new account number. 

XX/XX/2020 I could not log in to the website. After being transferred I was told by a Wells Fargo person that I had to provide personal information to move the mortgage to the new website. I was told I needed to provide information to fulfill government requirements fighting XXXX  and money laundering which is required when opening an account. I pointed out that I was not opening an account. I was told that it was a new account for Wells Fargo. I said I should not have to provide information as the mortgage was already existing and I am not getting a new mortgage. I was told I had to provide information for the new account. 

The information was : SSN Full name Address Birthdate After I provided the information I was told " I have successfully confirmed your identity, I will send the information over, and in three business days you can go to the website and click on Enroll Now. ". 

Clearly I am not opening an account, I should not need Patriot Act information because a bank is migrating my account to a new server inside their company. 

The number I called was XXXX, then I was transferred " I'll have to transfer you to the mortgage department '' but no number was given. 

Also the person answering the phone said " there are notes on your account so that when you call you will provide this information, but not everyone knows how to enter the information, I can do that for you now. '' XXXXEDT Monday XXXX