davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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)

XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX  balance
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank closed my three accounts because I am XXXX during the pandemic. Care Credit Account XXXX, Synchrony Home XXXX, and XXXX XXXX XXXX. This bank 's discrimination has ruined my credit. Synchrony decreased my Synchrony Home limit when I was recovery with Covid 19. I have been a Synchrony card holder since XX/XX/2019. Never missed a payment. I used my accounts.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MD)

I have unauthorized ATM debit which Chime Bank refused to give me back my funds in the amount of XXXX and XXXX. 
Also they indicate there was no error but give me a new debit card to use. These transactions were taken between XX/XX/2021. XXXX XXXX XXXX XXXX and XXXX.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (MA)

I am a victim of illegal collection practices from Pioneer Credit Recovery. This agency is garnishing my wages without ever trying to attempt to talk it with me. This agency went straight to my employer with false letters to demands that payments be made to them from my paycheck. I had previously submitted 2 complains in regards to this issue and today I am submitting another to report a scam as this agency refuses to speak with me about this debt and will not provide statement about payments towards the balance. The Department of education has not sent me any notification indicating that payment are being received and against the debt. Pioneer Credit Recovery is garnishing my wages without a court order. I have informed them to stop collecting in this way since they have never worked with me and they said that they will not stop the garnishment. This is in violation for the Fair debt Collection Practices Act ( FDCPA ).

As of this complaint, my employer has given Pioneer Credit Recovery {$6600.00}.
Consumer complaint received 2022-08-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Today, XX/XX/2022, I woke to find my credit points has dropped XXXX points in one day ; and no reason for my score to drop such an invasive amount at one time. As you will see from the attachments, there were three factors that changes, two small decreases in two accounts I made payments to, and one small new account was added.

You will also see where I have all of my accounts with exceptional 100 % payments- with the exception of 2 accounts almost 6 and 8 years ago in collections that I have been disputing for sometime and equifax still continues to not provide me signed proof that those accounts are mine. 

When I called to dispute the XXXX drop in points that I noticed yesterday with no reason at all for over XXXX points to drop off someones score in one day!, I spoke with equifax staff today and they said this was a coding problem that called this huge error! 

Furthermore they would not let me make a complaint or dispute this credit point drop or make any formal record about it. 

Its going on two days now and I am being embarrassed and damaged, and i still cant get my credit score when I log in to the equifax XXXX, it says its unable to show my credit score/ error and has been like that for weeks. I tried to report that today and they would not make a dispute or record complaint. 

I demand that my credit points be given back to me and to fix the low scores I have been getting from equifax over the past 6 months contradictory to what the other XXXX credit agencies have been reporting! 

You will see the exceptional record of payments, history, age of accounts, XXXX in the past six months over XXXX payments I have made not one late and my score is almost XXXX with equifax right now. 

This is out of Control! 

I want my credit file cleaned up and explained why equifax is not investigating my disputes as to this day equifax has not shown me one document whatsoever validating or the verification of the disputed collections still on my report, not one document bearing my signature to validate any agreement, application for credit, nothing! 

Nobody is taking this serious! 

If equifax does not fix this once this all Once and for all I am contacting XXXX and XXXX XXXX and pursuing class action lawsuit! 

Fix my equifax I demand to be not embarrassed anymore!
Consumer complaint received 2021-01-26
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: FORD MOTOR CREDIT CO. (WA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT XXXX : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
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 — Account status incorrect
Company: FORD MOTOR CREDIT CO. (TX)

According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (MO)

I received an email from this company claiming to represent Wells Fargo telling me that i owe them money. I have not had an account with Wells Fargo for nearly 20 years, and at the time that my account was closed I XXXX  out the account and closed it. I never had a line of credit or an overdraft protection attached to my account, so there is no way that I could have a negative balance.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Paypal Holdings, Inc (MO)

My paypal account has an added insurance protection called buyer 's protection. I was approved to use this as per my qualifications of the issue were an item was not as described that was purchased via XXXX   yet backed by paypal to be governed under my rights with their buyer 's protection. The paypal issue dispute resolved to escalate to a claim whereby I was to be issued a full refund by the merchant. However, the exacts of the instruction of paypal in their e-mail to send the merchandise back as with an online trackable shipping service are now being brought under scrutiny that somehow I am liable for the merchant who denies he received the package? Paypal is negligent in that their instruct e-mail did not delineate in the wording which lacks any clarity to specify that an additional measure or step would be necessary which is considered a proof of delivery added measure of protocol when I sent parcel with tracking. The USPS did not ask to add this measure I did not know it would be necessary and the paypal instructs do not state as much at all in their wording. Yet, now since the merchant/seller/recipient is not obliged to prove he did not receive it he is able to escapade that he has not received it. I should not be held personally liable to not recieve a refund per the neglect is on the part of paypal who had neglected to instruct me properly on adding a proof of delivery confirmation as somehow now being implied mandated? Which is news to me and it not in their instructions e-mail. The paypal has refused my refund I have sent to their legal department a complaint. But, have heard nothing back. I am due a refund under the buyer protection per I followed properly all instructions of the paypal return letter in the e-mail they described only to send as trackable.
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 — Account status incorrect
Company: Navient Solutions, LLC. (TX)

According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report.
Consumer complaint received 2018-03-14
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: CITIBANK, N.A. (AZ)

On XX/XX/2018, I learned via an alert from XXXX   XXXX XXXX that a credit inquiry was made by citi bank. I have not applied for any credit with that organization. As soon as I learned of this unauthorized inquiry I immediately placed a fraud alert with XXXX, XXXX and XXXX. Since I have not applied for credit with them I requested that they remove the inquiry and any future application for credit under my information be verified first. Since this was not initiated by me they are not legally entitled to make an inquiry. I request that they contact the concerned credit bureau ( s ) and remove the unauthorized inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2017-11-28
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. (DE)

XXXX XXXX credit card. They said I would get to board the plane first if I bought the credit card that cost ( {$100.00} ) per year so long as I use the card to buy the plane tickets. I did what they said but when it came time to board I was put in group 7. Well after several other groups boarded. When I complained to XXXX XXXX they told me it was the credit card 's problem. So I called the credit card and they told me it was the airline 's problem. After that went on for three or four times ( on the phone with the airline and then the credit card ), I simply gave up.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

XX/XX/XXXX - large payment made to Citi Cards to pay off balances XX/XX/XXXX - Citi cards locked my credit card and sent me an payment verification notice XX/XX/XXXX - I called citi card and got my bank ( XXXX ) on line to sort out the hold. 
XX/XX/XXXX - I received a letter from citi card stating my bank XXXX told citi bank that my account at XXXX has insufficient funds. 
XX/XX/XXXX - I called citi card and have my bank XXXX on the phone and verify that that is incorrect. Citi refused to acknowledge the mistake they made and insist on locking out my credit card until payment is verified. 
XX/XX/XXXX - I called citi again and they still have not unlocked my card.
Consumer complaint received 2019-02-17
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (CO)

To whom it may concern - I am being charged illegal and excessive late fees for payments made. 

I have a direct withdrawal arrangement for monthly tuition and expenses related to my children 's attendance at XXXX XXXX XXXX XXXX in XXXX Colorado with the Company XXXX ( XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX. XXXX  has the ability to withdraw funds from my XXXX XXXX  account when due. This account has been fully funded since XX/XX/XXXX. XXXX  has continued to charge me late fees for the amount of {$120.00}, for amounts due on XX/XX/XXXX and XX/XX/XXXX for a total of {$170.00}. This makes no sense, because they have had access to funds and additionally, {$120.00} in late fees is excessive for a payment of {$170.00} in less than 30 days ...
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Todays date : XX/XX/2018 XXXX : CitiBank Credit Cards Forced by CFPB to Refund Cardholders : ( for deceptive marketing and incorrect charges associated with credit card add-on services ) So, I received a letter from Citi dated XX/XX/2018 stating that I was being issued a statement credit of {$520.00} and that I did not need to do anything in order to receive my refund. I have not received my refund. It also states that the refund was applied to my account. Citibank is holding my refund. How can this be legal? 
My account has been closed for years and Citibank, without serving me personally, took me to court and has a lien on my home. This lien is still active as of today 's date. 
The letter dated XX/XX/2018 has a contact number that I called to try and get answers as to why they have a lien on my property and holding my refund. 
I called and spoke to XXXX on XX/XX/18 approx. XXXX XXXX, I asked why didn't I get my refund? She said ; " we can not give you a check. Call Customer Ser. on the back of your card. '' Then I Spoke to XXXX, on XX/XX/18 she said ; " didn't know about refund. '' I was transferred to XXXX, who worked for a 3rd party " XXXX ''. He said call Customer Ser. they will be able to tell you how to get your refund on a closed account. 
I was transferred again to XXXX ; she said " you were transferred to the wrong dept. '' I was transferred again to XXXX ; she said, " I can not help you '', she was also from 3rd party " XXXX ''. 

Citibank already has a lien on my home, how can they now hold my refund? Citibank is still being unfair and deceptive. 

Please help me to obtain my refund,. 
XXXX
Consumer complaint received 2021-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

Urgent!! Citi bank scammed me. After few months of Bussiness. Difficulty to log in. Managed to transfer money to them from the saving of my kids. Then I try to buy car XXXX they hold the check and Bounce it twice caused me a grief list of time and money with XXXX XXXX  made in XXXX  ( XXXX,, XXXX customer service ) Shame if bank then banker XXXX XXXX another failure that working there. Offering to wire money then we need to fight with them for days they claim that I dont have phone on public records so they cant approved it. I explained them I dont have a social. In only student and mom for kids I dont have a phone only this number XXXX they so unprofessional and shameful bank now they holding me XXXX $ XXXX dollar while all wires before done from my kids saving nothing changes This is a scam back and I am sure there is federal violation here by them not letting me to withdraw my founds back!! 
There is federal regulation about that fir sure but they doing whatever they want you need to Force first to return my money with all maximum interest and then I will find a lawyer to sue them Please help me ASAP XXXX
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (VA)

I as XXXX of XXXX XXXX XXXX a US company having a checking account with Citibank since XX/XX/XXXX) I billed my client in XXXX XXXX and they send me the payment of XXXX XXXXXXXXUSD on XX/XX/XXXX from XXXX  XXXX XXXX  XXXX in XXXX to Citibank . the XXXX XXXX put IBAN NUMBER instead of my account at Citibank and the name of my company he forgot the account Number. The XXXX XXXX   wrote several time to Citibank amending this issue and ask for payment .Citibank do not answer me, or answer the XXXX XXXX  and Keep this amount since 3 month at citibank . 
I visited my counsellor at Citibank he called and he verified that Citibank is holding the funds and he ask me to request from the XXXX XXXX  an Amendement with the account number to deposit my funds which the XXXX XXXX  did. 
In the meanwhile my checks were returned unpaid, I was charged next to XXXX dollars fees and still Citibank don't answer me neither answer the XXXX XXXX who send the funds neither depositing the money in my account or send it back to XXXX
Consumer complaint received 2018-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NJ)

XX/XX/XXXX I was contacted by XXXX XXXX of XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Fl. XXXX. At the time of phone contact I was beginning the process of discharge with XXXX. XXXX. My daughter receives federal SS XXXX as she is permentanly XXXX. XXXX indicated she knew of my situation and she worked as an agent for 1 ) XXXX the lender.2 ) The US Department of Education . She represented that the ONLY way to receive a discharge was to FIRST consolidate the loans. I subsequently received a federal form via email that had filled out by XXXX. I signed electronically and forwarded to the US Department of education. In XX/XX/XXXX Great Lakes loan servicing XXXX XXXX XXXX, XXXX Wisconsin XXXX allegedly sent me t a form via email that was the autorization to consolidate and select them as servicer. I DID NOT SIGN because I did not see it in my emails. When I received a statement from Great Lakes in XXXX. I called and was informed that I was now ineligible to apply for a discharge BECAUSE of the consolidation. When I explained I had not signed the autorization and would not have if I knew of the inelligibility to file a discharge Great Lakes indicated that because I DID NOT SIGN they were automatically selected and the consolidation completed and could not be reversed. I called XXXX and asked her how this could be. She was silent. I asked who paid you? She said the lender. I spoke to XXXX  ( XXXX XXXX the lender they stated no they do not pay third parties. I allege that XXXX was paid by Great Lakes and is running a criminal kickback and fraud. Why is Great Lakes permitted to assume servicing absent an affirmative autorization from me? I have been unjustly denied the right to apply for a discharge because of XXXX and Great Lakes. I have filed with the FTC and the US department of education. This requires investigation. XXXX on her web site claims the lender pays. She claims 15,000 satisfied students. She lied, misrepresented and should be held accountable.
Consumer complaint received 2019-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NM)

Ditech Holding Corporation, et.al, has filed for bankruptcy. 
I sent my regular mortgage payments on XXXX and XXXX XX/XX/2019. 
My XX/XX/XXXX mortgage billing statement shows that Ditech has stopped crediting my payments to my account.
Consumer complaint received 2019-05-19
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. (AZ)

The following XXXX XXXX XXXX MasterCard account ending in # XXXX is a fraudulent account. I never applied for a credit card account with XXXX XXXX XXXX XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me. I did not apply for the account. I am a victim of identity theft and someone else impersonating me.
Consumer complaint received 2020-06-23
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: SYNCHRONY FINANCIAL (CO)

I called the company they have none of my information in their system and said they have no accounts listed to me thats listed on my report they told me to make a complaint and dispute it So Im doing that please help take this off my credit report. Ive been working to hard I also was notified by police that someone tried to use my and my husbands bank cards and are charging the person who they found with them.
Consumer complaint received 2020-03-24
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. (TX)

All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.