davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (IL)

There are no cards linked to any of these inquiries but someone is trying to get credit on my name and they even had a credit card on my name that i had to call and talk to a company about a couple years back to get turned off and given to me so this is not the first time but i need it to be the last time please. Im trying to get my first apartment and i have all these random inquiries messing up my credit. 

XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX  inquiry.
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MN)

Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed in XXXX of this year they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/2022, I contacted Barclay bank regarding my XXXX XXXX Barclay Card, as the " XXXX XXXX '' cards they had sent to me over a period of at least two years were lost. The missing rewards totaled at least {$950.00} in value. They gave me a case number ( XXXX ) and said I could expect to hear from someone within 24 hours and replacing the cards would take 2-3 weeks. No one called. I followed up the following week and was told that the case was being researched, and to wait another 2 weeks. I called again in a couple of week and was told the same thing. Finally, two months later, on XX/XX/XXXX, after two months had passed, I demanded to speak with a supervisor after I was told to wait more. The supervisor informed me that I had to call XXXX directly, even though I have no contract with XXXX. I insisted that it was their responsibility to help me because the rewards is through their company, but she simply apologized and said someone should have told me months ago to call XXXX. She gave me what she assured me ( twice ) was a direct number for the rewards department at XXXX, but it turned out to be a general number. After getting transferred from one person to another at XXXX over the course of 123 minutes, I was told that the request had to come from Barclay card.
Consumer complaint received 2022-03-15
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: Home Loan Center, Inc. (MN)

XXXX XXXX pulled my credit, now they won't give me a credit report. I did not authorize anybody to pull my credit report and if they did I want a copy of the credit report
Consumer complaint received 2016-06-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (OK)

I have a credit card with QVC, synchrony bank collects for them. I went on the QVC website a made a payment for the entire balance showing on XX/XX/XXXX, that payment cleared my bank the same day. Synchrony bank said the payment could be fraudulent, even after speaking with me and that were holding the payment up for 7 days. They already have the money, it cleared my bank account so what could be fraudulent about that, it was an electronic payment, not a check. Yet they sent me an email saying that the payment would be credited the same day. My balance at QVC shows {$9.00} with a credit limit of {$1100.00}, but I have no credit? How does that work? I 've spoken to XXXX people this last week who all gave me a different story, then today I spoke to XXXX who said he was a supervisor and because they had the authority to hold it they were going to hold it and there was nothing I could do about it.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (NY)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with FSTPROGRESS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2016-05-23
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (CA)

This one advantage, llc trying to collect debt from XXXX/XXXX/2007 If this pertains to school loans and all my loans where consolidate and are in forbearance so I do not owe what they are trying to collect. If this is from XXXX they lied about there programs and rushed me to start before I was ready and before they had all my transcripts to make sure I was able to start program selected and that it would lead to career desired and I found out after it would not when they told me it would. Staff was not helpful ... only want money.
Consumer complaint received 2023-03-29
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. (MD)

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 items 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 items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

My wallet and XXXX were stolen while I was traveling in XXXX XXXX, California. I reported fraudulent charges on my Chase Sapphire Preferred credit card within minutes of the charge being made. The people who stole my card were denied the first charge they made, but completed the transaction again and Chase allowed it to go through despite me reporting the previous charge as fraud within minutes.

I filed police reports, froze my credit accounts, had to order a new debit card and driver 's license. My iphone that was stolen wound up in XXXX ( via findmyiphone ), which suggests a pattern of theft from this person/people who stole from me.

There were 2 fraudulent charges made on my Chase card on XX/XX/21. The first one was made at a XXXX for {$46.00}, and the second was made shortly after for {$410.00} at XXXX. Chase has approved the XXXX charge as fraud, but will not recognize the XXXX charge as fraudulent. I have sent in numerous documents to prove that I did not make those transactions, including confirmations of police reports, proof that I ordered a new driver 's license, proof my XXXX was stolen, and a statement from my XXXX account showing that I exclusively use my XXXX XXXX  there and never my Chase Sapphire card ( and a copy of all XXXX transactions for the month of XXXX from my rewards account ).

Chase has not provided any reasoning as to why they are denying these fraud claims. They have not asked me for any specific proof beyond what I've sent, and have not shed any light as to why they would approve the XXXX charge but not the XXXX charge. I have called them on the phone on numerous occasions in which they assured me they were looking into it, only to receive a letter saying it was 'thoroughly investigated ' without any explanation or description of what those investigations entailed.
Consumer complaint received 2022-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SC)

Hi, I have not been able to log into my Mohela account. I tried to register my account and it says that someone has already has an account with that information. Then when I try to login with that same information it says that " the information you provided does not match our records. Please try again ''. The link about having issues with logging in is not helpful.
Consumer complaint received 2023-03-29
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

After I closed my account with chime due to poor technical support, they emailed me that they closed my account and i was no longer due a refund. I am entitled to all the money in my savings account plus the refund that Was confirmed with me through an employee prior to me closing my account. After they emailed me they would no longer let me speak to a live person over the phone. They constantly redirected me to their handbook, even when i replied to their response asking for more information, they did not reply. I had previously changed my direct deposit a few days before because i started to feel uneasy about the transparency with Chime, however after closing my account- the following Friday, to my dismay my direct deposit from my employer still went to chime bank. I emailed Chime and told them and they gave me an automated response saying that i was not eligible for a refund again and now I believe they they are not going to give me any money at all. I had asked my employer to try to reverse the funds as i did make the change before the falling out with Chime. In conclusion i am asking if CFPB could help me with getting my XXXX  dollar refund and my saving account money and direct deposit. Thank you for your time and consideration. Have a great day.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc. (FL)

I purchased a vehicle from CarMax in XX/XX/2021. I made every payment on time and paid 50 % towards the principal. I am currently working with a mortgage broker to purchase a home for my family because my lease is up on XX/XX/XXXX. However, CarMax hasn't reported to the credit bureau since XX/XX/2021 so my report shows that I still owe over {$13000.00} which is entirely inaccurate. I have contacted them three times to correct this and they still have not. I have another person on my account and their credit report was updated but mine is still inaccurate. This is preventing me from purchasing a home and if it isn't rectified immediately, my children and I will have nowhere to live.
Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Collection Service Inc (GA) (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Sold my medical information to Professional Collection Service Inc XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, ,and did not provide me a HIPPA release that releases my medical information, therefore by providing such information they are in violation of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named orginal creditor/collection agency should this item not be deleted within the requied time by law. 
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Account # XXXX
Consumer complaint received 2016-08-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (VA)

I am the co-signer of a Navient ( formerly XXXX XXXX ) student loan for a family member. The loan balance is {$71.00}. I would like to be released from this loan, but Navient requires that the borrower initiate the process. I find this strange because Navient considers this " my loan '' and has harrassed me in the past, when the borrower was late or they needed updated information on the borrower. Your assistance is greatly appreciated.
Consumer complaint received 2022-03-15
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION (TX)

Recently in doing some research on my consumer credit file I learned that the student loan in my name that were serviced by Sallie Mae. I learned that the loans are for a school by the name of XXXX University. I never signed an enrollment agreement with XXXX University nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I did some research and XXXX University is no longer a school anymore. I do not understand why there is a student loan account listed under XXXX University in my name. I never agreed to this. I am requesting Sallie Mae to provide information stating that I agreed to be associated as a student with XXXX University. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Sallie Mae has the right to pursue loan payment from me for the school  XXXX University. I do not wish to be affiliated with XXXX University. I never agreed to any enrollment or loans with XXXX University. Therefore, Sallie Mae must substantiate seeking payment and reporting a loan payment history to my credit reports for the school XXXX University.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

I have lost over {$15000.00} to Barclays Bank, and I am complaining to get it returned. 

I had a large credit balance -- more than {$15000.00} -- on my Barclays XXXX due to a cancelled trip where my money was refunded to the card. I called into Barclays to request the money be sent to me. I was told they would have to send me a check, and that there is no way to send it by express mail or to deposit it electronically. ( I pay my bill electronically, so ironically they can withdraw from my account, but not deposit ). How convenient that it only works one way in their favor. 

The check is lost, and so is my money, and they have lied to me about it. The credit balance has disappeared. The money is gone. 

I called into Barclays approximately XXXX XXXX  XXXX  on Monday, XXXX XXXX, and requested another check be sent. I was told it would go out regular mail again, and I complained to a supervisor who finally relented and said they would send it out Fedex, but it would still take 3 to 5 business days. 

I have not received the check, and I called in this morning, XX/XX/XXXX, and was told by another supervisor something completely different. No check has been sent out and they will not use express mail, and what I was told on XX/XX/XXXX by a supervisor is not true! I think I was lied to just to get me off the phone. Even worse, I can get NO INFORMATION whatsoever as to the status of my money, and this latest supervisor even stated that it could be one to two billing cycles (! ) for them to re-process my {$15000.00} refund. I am not OK with this at all. They are stealing my money or at least the use of it. It's outrageous that they can receive payments electronically, but not send them back electronically. This is abusive, and it is intentional, and I have been lied to in the process.
Consumer complaint received 2022-11-22
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. (FL)

On the date of XXXX XXXX, 2022 Equifax dropped my score by XXXX points after getting a credit limit increase and decreasing my balance by {$15.00} reported by XXXX XXXX - XXXX XXXX. I sent a dispute letter to Equifax concerning the matter. Please help with this unreasonable way of score dropping where the law states otherwise, which I included in my dispute letter. Thank You,
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have contact each creditor and credit bureaus with NO results I am a victim of identity TXXXX 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 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
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (VA)

Citi has locked my account due to suspected fraud and they are unable to unlock the account because they can not verify my phone number. It is the same phone number I used to open the account and the only phone number I've ever had on file with them. I am waiting to receive a letter, which has not come. It is the number I am calling them on, and they can not recognize it. The account is fully paid, and I simply want to close it. They will not close the account. I've called them five times to try to resolve this and they will not escalate my case or utilize any other verification method.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TN)

There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NC)

I received the following email from Citi on XXXX 
I funded the account with $ XXXX on XX/XX/XXXX. I left the $ $ in the account until XXXX. This is 70 days. I also kept a credit card and debit card with them for the same 70 days. 

I am, by their table, due $ XXXX. They are now unsure if they will be providing me with the $ XXXX. In the past, I have had several chats with them and well as phone calls. I left the money in their bank an additional 10 days beyond what they originally said was required. I followed all instructions their chat group in XXXX indicated that I needed to follow to receive the $ XXXX. Now, they appear to be balking at owing me. I believe they have CLEARLY committed fraud. PLEASE HELP ME! XXXX XXXX XXXX XXXX CITI OFFER IN MY EMAIL ON XX/XX/XXXXXXXX 


" Do more with Citi, get more from Citi Get great benefits with a Citi checking account and earn a bonus of up to $ XXXX with required activities XXXX XXXX with your Citi Custom CashSM Card, you already get benefits like acceptance at 70 million locations and {$0.00} XXXX on unauthorized charges. Now you can manage your card and checking account together to simplify your life, and earn more with this special offer. 
Don't wait this offer expires on XXXX XXXX XXXX  See Offer Details Offer not available in branch Earn up to {$2000.00}. 
Here 's how : Apply for a Citi checking account* Within 20 days of opening, deposit required balance ( see chart below ) in NewtoCitibank Funds Maintain required minimum balance after account opening for an additional 60 consecutive days Your cash bonus will be deposited to your open, eligible account within 30 days after you complete all required activities. 

You must also have a Citi credit card from the time you open your account until you complete your Maintenance Period. 

You must have received the offer directly from Citi to be eligible to participate in this promotion. 
Participation does not guarantee eligibility. ''