davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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. (MD)

I filed a dispute with XXXX XXXX, XXXX XXXX  and with Equifax regarding the fact that on XX/XX/XXXX, Equifax completely REMOVED my XXXX XXXX and XXXX auto loan from my credit which directly caused my credit score to decrease by 23 points. I have been waiting nearly 30 days for a resolution and still nothing has been updated. Equifax has since put my XXXX XXXX account back on my report and sent sent me the attached reporting from XXXX which is STILL NOT showing up on my credit bureau and my credit score has not been restored. I am in the middle of a mortgage purchase and this is NEGATIVELY effecting my purchase. Why do the credit bureaus get to ruin a persons credit overnight and then take 30days or more to fix their mistake? I have attached my FICO score as of today as well as a copy of what Equifax sent to me regarding XXXX XXXX. I have also pulled my recent payment history from XXXX XXXX which clearly shows that I have been making payments, but what Equifax sent me shows my last payment in XX/XX/XXXX and that is a lie. Equifax is a horrible company to deal with BECAUSE they are lairs. I filed a dispute with XXXX in XX/XX/XXXX BECAUSE Equifax was NOT reporting my payment since XXXX. Since that dispute they UPDATED the payments and NOW they are trying to go backwards by stating that I have not paid since XXXX XXXX WHAT THE XXXX IS THEIR PROBLEM??? WHY ARE THEY ALLOWED TO DO THIS??? WHY ARE THEIR NOT BETTER CONTROLS OVER THIS??? THIS IS CRAZY THAT I AM GOING THROUGH THIS AND I AM ACTUALLY PAYING MY BILLS!!! I WANT THIS FIXED SO THAT I CAN FINISH MY HOME PURCHASE AND MOVE MY FAMILY ... ..IS THERE NO ONE THAT CAN DO ANYTHING ABOUT THIS???
Consumer complaint received 2021-01-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Example 1 : XX/XX/2020 : emptied safe deposit box. Was told both keys ( 2 ) were needed to close the rental to the box and I only had one with me. 
XXXX XXXX, 2020 : submitted the 2 keys and was told by branch manager she would email me the confirmation the box was closed. 
XXXX, 2020 : emailed branch manager to follow up. No response XXXX XXXX, 2020 : second email to branch manager. Her response was full of excuses, and grammatical and spelling errors telling me I was not authorized to empty the safe deposit box and they have to go thru their legal department. 

Example 2 : receiving checks for a new checking account with 5 errors in my name & address. This caused an unnecessary delay in obtaining my new checks. 

Example 3 : I requested printouts of specific bank deposits and was told they would be sent to me via email. This was confirmed a week later by a second agent when I followed up. After 2 weeks of not receiving my request, I spoke to a third agent who said fulfilling my request was not possible. 

Example 4 : When closing my fathers account due to his death, an agent told me they could not accept the legal document from NJ as the bank was in NY. This was completely incorrect.
Consumer complaint received 2022-09-16
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corected immediately. 
XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX & XXXX BANK XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance {$320.00}
Consumer complaint received 2022-09-16
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)

It has been a battle going through this and I am writing to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-01-04
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: Chime Financial Inc (FL)

Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with XXXX, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a zero credit score? 
XXXX keeps emailing me about credit updates yet my score is zero. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I recently checked my credit report on XX/XX/XXXX to check the status of a dispute. The dispute was with The XXXX Apartments located in XXXX, NV XXXX. I was a resident there for 1 year and completed my full 12 month lease ( XX/XX/XXXX ). Once I moved ( XX/XX/XXXX ) I was verbally told by the property XXXX ( XXXX XXXX ) that I would be given a final bill sent to my new address in XXXX XXXX, CA. I noticed on my credit report that I was sent to collections for the amount of {$1700.00} on ( XX/XX/XXXX ), however my report also states the collection amount was updated on ( XX/XX/XXXX ). I would like this removed from my credit report in full due to not receiving a fair bill sent to me as I was instructed by the property XXXX, and I had no idea my final bill was in collections until I looked at my credit report. The collection agency address is : XXXX XXXX  XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX
Consumer complaint received 2016-12-26
Product: Credit card — 
Issue: Application processing delay — 
Company: WELLS FARGO & COMPANY (NY)

to whom it may concern, hello, I opened a credit card account with Wells Fargo Bank back in XXXX 2015. It was a secured one. I provided them with all necessary information ( addresses, phone numbers, immig. status etc ). There was a {$25.00} annual fee and they told me my account could be upgraded to an unsecured ( in a period from 6 to 18 months ) if I use the card responsibly and keep a good payment history, which I did. Never missed a payment, kept low balances and had had my score grow up significantly. A year passed, I heard nothing. A year and a half - nothing. They just kept charging annual fees. I decided to give them a call, they submitted a request for card upgrade and told me to wait for the response ( by mail ) which I never received. 
I did the same a month later - and still nobody got back to me with the answer. In all further telephone conversations they simply said they were not able to do anything to get the status of my request. 
Only a recent email conversation uncovered the true nature of their being reluctant to upgrade. Now ( after almost 2 years since I opened the account and paid a 2-year fee ) they claim that the upgrade is ONLY available to holders of the US passport or permanent resident card. Although I am about to get permanent resident card myself in about eight months, I do not think this discriminatory policy sounds like the one for American institutions. And of course, this is not to mention the fact that they consider it right to let people know about it after the people have been fooled with false promises for almost two years. And in the end, this is what my options are now : first is to let them sit and continue getting money from me and from thousands of other people by promising their cards would be upgraded ; the other is to close the account which is going to have a serious impact on my credit score and history.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I was declined for a credit card from Costco, and subsequently found out that Best Buy CBNA reported negative information to the credit bureaus regarding an account that was closed in XX/XX/2016. This account was closed with a XXXX  balance and somehow, they are just now reporting it to the bureaus with a balance and as charged off account. I disputed it with the XXXX  and XXXX  and Best Buy CBNA quickly ( too quickly ) advised both those agencies that they confirmed their information was accurate without further explanation. I also sent Best Buy CBNA a separate letter disputing the information and requesting proof of this bogus debt and have not received a response as of yet.
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Someone wrote me a bad check, I even thought it was suspect so I called fraud department before it cleared to see if they could cancel it or flag it or investigate it they said no it looks okay. The next day it cleared then later bounced but I never took any of the money out so there was no issue. The next day they closed my account said it was under investigation in the fraud department and gave the account to a XXXX XXXX who is on leave, so thats not okay, my money was frozen and no timeline on when it will be looked at? So I spent hours on phone and in banks with every department and all I could get was her managers number XXXX XXXX who will not and has not returned any phone calls to me bankers or bank managers in over two months and this is after I received a letter in XXXX from chase saying they closed my account and I will receive my funds in ten days that was 40 days ago, still no returned calls I even got her managers number XXXX XXXX and he wont answer or return calls
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

I received a letter stating I am pre-selected to apply for a credit card from Citibank, the Citi XXXX XXXX XXXX. The letter says that 8 out of 10 applicants who applied before the deadline of XX/XX/22, have monthly income of at least {$1000.00} in excess of mortgage/rent payment, didn't have a past due Citi card XXXX did not have bankruptcy in the last 7 years, and didn't have a reduction in credit score since the time of the offer, typically would be approved. I do meet all of these criteria, and yet my application was denied. As I recall, this is not the first time that I have been rejected for a pre-selected or pre-approved card offer and gotten rejected. I am aware that the FTC recently pursued action against XXXX XXXX for this very same practice of soliciting applicants who are told they are pre-approved only to deny them and then harm the applicants ' credit. I would hope that similar actions can be taken against Citibank and other such banks as this is a widespread practice in the industry that is harmful to consumers.
Consumer complaint received 2022-09-16
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CT)

XXXX XXXX XXXX is reporting the same account twice on my Equifax credit report, once under the name " XXXX XXXX. XXXX XXXX and a 2nd time under the name " XXXX XXXX XXXX '' who issued the credit card on behalf of the credit union. Both of these are the same account although they reflect XXXX different account numbers, thus being reported separately and are duplicated on my credit report at Equifax ,. XXXX of the XXXX should be removed so that my credit report only reflects the credit card once, either under XXXX or XXXX XXXX.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (GA)

I closed on the refinance of my loan on XX/XX/2021. LoanDepot charged pre-paid interest on my new loan from XX/XX/2021 to XX/XX/2021 but paid off my previous loan only on XX/XX/2021. I sent multiple emails to LoanDepot asking them to refund the 3 days of interest I overpaid on the new loan. So far, I have not received the refund
Consumer complaint received 2022-09-16
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. (CT)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-18
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. (MS)

Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.
Consumer complaint received 2016-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XXXX 2013 150 days past due as of XXXX 2013 120 days past due as of XXXX 2013 90 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CT)

I have a Brooks Brothers store credit card. Thats all I want, Brooks Brothers now wants to cancel my store card and issue me a Master card account. I dont want the Mastercard and just keep the store card.They say I cant., If I dont take the Mastercard they will close my store account., I have no choice.

That is NOT what I wanted when I applied for the store card only.

Tell them I just want the store card, NOT the Mastercard.

I have enough credit cards.
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Uplift, Inc (FL)

I booked a vacation with XXXX XXXX XXXX and financed it with Uplift for XX/XX/2022 making a down payment and paying for unconditional option to cancel with full refund. After my sons team did not make it to the playoffs, I cancelled the entire package on XX/XX/2022. I have been going back and forth with XXXX XXXX trying to get the money refunded to the original method of payment. I have sent emails to Uplift notifying them of this and for them to not debit my account. Until today, I could not get anyone on the phone with Uplift or anyone to assist me with resolving this matter via email. Even after speaking with the rep, she was not helpful. At this time I have been debited {$820.00} for a trip I did not take.
Consumer complaint received 2020-04-20
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. (FL)

see attatched Equifax Report of XXXX  account XXXX IS NOT ACCURATE INFORMATION. see attatched ID THEFT case XXXX THIS IS ID THEFT. see attatched XXXX Letter of denial of my fraud claim of UNAUTHORIZED TRANSACTIONS XX/XX/2019. XXXX  is well aware this is ID THEFT but did not approve my claim. See attatched XX/XX/2019 XXXX  Letter of UNAUTHORIZED TRANSACTIONS ALL REPORTED WITHIN 60 DAYS OF DATE OF LETTER. see attatched UNITED STATES POSTAL INSPECTION SERVICE LETTER CRIMINAL INVESTIGATION XX/XX/2019 DELIVERIES NOT MADE BY USPS. I DEMAND WRITTEN DOCUMENTATION 1 ) TRANSACTIONS WERE ORDERED BY ME * MY IP ADDRESS 2 ) DELIVERY WAS ACCEPTED PICKED UP POST OFFICE AND * SIGNATURE GOODS WERE DELIVERED INTO MY HANDS OR INFORMATION DELETED IMMEADTELY.
Consumer complaint received 2022-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent sent a letter on XX/XX/XXXX To Equifax, XXXX and.Here is my Tracking ID Complaint XXXX, How ever it has been more than 30 days and the Credit bureaus have yet to send my investgation back, this is not making sence 15 U.S. Code 1681i - Procedure in case of disputed accuracy.if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer and reseller