davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

From my XXXX XXXX account I accidentally send a {$400.00} payment to CitiBank Credit Card ending # XXXX on XX/XX/XXXX, XXXX to an Citibank account that had been closed for five years. I owe them nothing, I closed the account because the interest was to high. Noticing the mistake, I phoned CitiBank Customer Service first on XXXX, XXXX, XXXX, to report it and asked for them to return the funds back into the account @ XXXX XXXX  that it came from. This was impossible they told me, but that a check would be sent. No check. On XXXX, XXXX, XXXX, I phoned again, to find that the check had not gone out, but was in process. Nothing. On XX/XX/XXXX, XXXX, I called again to find the check supposedly to return my funds was still in processing, or so they said. I asked them to send it electronically, but they said they could not do this. I told them my local XXXX does the exact same thing in five seconds. They will NOT return my monies, and no matter how many times I call they say the same thing .... 

CitiBank is refusing to refund monies sent to them accidentally to a closed account from my online XXXX XXXX account, and still as of today, no check, no refund, and no assistance.
Consumer complaint received 2019-08-02
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. (UT)

The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Consumer complaint received 2021-12-21
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)

I've contacted Equifax several times and they are in strict violation of HIPAA. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. i did not give my permission verbal or written to disclose any of my personal medical records to third parties. Equifax is reporting 4 collection accounts ( 3 w/ XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ) No validation of debt and HIPAA Authorization has been provided from either the collection agency nor Equifax XXXX Furthermore, the credit bureau should not be reporting a debt until it has been validated by me.
Consumer complaint received 2021-12-21
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)

Please address the missing items that have disappeared from my credit report and items appearing that arent mine. I have several trade lines not appearing that are in the attachment that was sent over. Please see the prior credit reports. Please provide a phone number of someone that I can speak with or email. 
Im requesting negative items to be blocked with police report
Consumer complaint received 2022-01-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Good day, on XX/XX/2021 I attempted to open a business saving account at a XXXX. branch of Chase Bank. During the initial contact all the requested information provided to the Chase bank associate. A check in the amount of {$5000.00} from my federal credit union placed in the Chase bank system. I obtained via U.S. mail an ATM card at my office address. I went to an XXXX branch near my business office to review my account. I was told my account was closed. Assigned customer service at an another XXXX branch and followed up as to why my account was closed. I had a discussions with the Chase associate and online review with Chase Bank Compliance department. XXXX. 
Stated they needed more LLC documentation. The requested items were fax XX/XX/XXXX. Informed the account was okay. A few days later informed the account was closed. I have attempted to get my debited funds returned to date. I need an answer why the account was closed and why my funds are not being returned. Requesting this information in writing. I am a XXXX owned veteran business which has me thinking this is a civil rights violation.
Consumer complaint received 2022-02-18
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. (TX)

The following companies obtained a copy of my credit report without my authorization : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX MTG - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX XXXX
Consumer complaint received 2022-05-31
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. (VA)

Earlier in XX/XX/XXXX I Paid off one loan and 4 credit cards and decresed my balances by {$6100.00} 1 ; Personal Loan XXXX  originally $ XXXXPaid balance of {$3300.00} in full ( always paid by auto debit never late ) 2 : 4 credit cards total paid : {$2700.00} 3 : XX/XX/XXXX XXXX XXXX XXXX XXXX Paid in Full {$10000.00} COMPLAINT 1 : Equifax : XX/XX/XXXX : XXXX points Pay off XXXX  XXXX  {$10000.00} XX/XX/XXXX + XXXX points Decrease XXXX XXXX  {$470.00} XX/XX/XXXX XXXX POINTS NO EXPLANATION SO I HAVE BEEN PENALIZED XXXX Points for paying off almost {$170000.00} in balances that were never late HOW CAN YOU ALLOW THIS TO HAPPEN? 
COMPLAINT 2 : The Equifax web site will not allow me to file a complaint " AT THIS TIME '' for weeks and the so-called file a dispute over the phone runs an endless loop for 15 minutes instructing me to go online-BECAUSE NO ONE IS AVAILABLE TO ANSWER MY CALL THIS IS A WILLFUL VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPRTING ACT. AS OF THIS JUNCTURE I HAVE NO CHOICE TO ATTEMPT A DISPUTE THROUGH YOUR SITE CAN YOU HELP ME? 


COMPLAINT THREE XXXX I have attempted to dispute on the site THERE IS NO WAY TO STATE WHY I AM DISPUTING : JUST A DROP DOWN WITH THEIR CHOICES OF WHAT I CAN DISPUTE AGAIN : THIS VIOLATES MY RIGHT TO DISPUTE AND I END UP WASTING HOURS FOR NOTHING I WISH TO DISPUTE WITH EQUIFAX THE FOLLOWING XX/XX/XXXX Payoff XXXX XXXX XXXX XXXX {$10000.00} XXXX POINTS XX/XX/XXXX Decrease Credit card balance {$470.00} XXXX POINTS XXXX DROP MY CREDIT SCORE DUE TO CONSUMER XXXX POINTS LOAN-AND CREDIT CARDS BALANCES ( just after 1 loan is PAID IN FULL for {$6100.00} and cards have just been paid down {$2700.00} ) THIS IS INEXCUSABLE I WISH TO DISPUTE THESE ACTIONS THROUGH YOUR SITE AS I CAN NOT FILE AN ACCURRATE DISPUTE ON XXXX  SITE AND THERE IS NO OTHER WAY TO CONTACT XXXX FILE A NEW DISPUTE XXXX  PAID OFF XXXX  IN FULL XXXX POINTS the same applies here as all of the above
Consumer complaint received 2022-04-20
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. (CA)

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION (FL)

XXXX XXXX is violating my consumer rights and federal law. 
On XX/XX/2022 I was denied an extension of credit by XXXX XXXX. On this date, I completed an online application for their student private loans in the amount of XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the email and text messages XXXX XXXX sent me dated XX/XX/2022, XX/XX/2022, XX/XX/2022, are both proof and evidence that I have been discriminated against, XXXX XXXX is also criminally liable. I also called on XX/XX/2022 to clarify the reason for this " denial '' yet the representative kept saying it was not a " hard denial '' and I need a cosigner if I want the " loan ''. 
XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2022-05-31
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have not received any confirmation on how you have verified the alleged account attached in Exhibit D through H and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ***
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX, I received a mailed letter from XXXX XXXX XXXX XXXX XXXX, notifying me in writing of a data security incident that could have resulted in unauthorized access to certain person information of me. 

XXXX XXXX XXXX XXXX is CPA firm. XXXX XXXX is where I reside and the firm is located. 

The next day, on XX/XX/XXXX, I received a letter via regular mail from SYNCHRONY BANK ( XXXX XXXX XXXX, XXXX, XXXX XXXX ). The letter states We received your request regarding XXXX XXXX credit product. In the header, there are two sets of code : XXXX and XXXX. I was told these are are the on-line, application reference numbers. XXXX XXXX is a retail vendor of musical equipment. The letter from Synchrony had a phone number, XXXX which I called to report that I did NOT make this purchase, fill out the application nor have any interest in musical equipment. This number is the Fraud Department whereby all credit cards are handled. I spoke with XXXX XXXX in the Fraud Department at this number. She informed me the Perpetrator made an on-line application to XXXX XXXX using my entire SS number, DOB. However, the Perpetrator did not use my address. ( My address is linked to my credit report ) Unknown to me at this time ( but known to Synchrony Bank ) was the fact that THERE WERE TWO APPLICATIONS MADE on XX/XX/XXXX. The prior application for credit by the Perpetrator was made for XXXX, another on-line vendor of musical equipment. The prior application with XXXX was approved for {$3100.00}. Synchrony Bank is the lender. My address did not match the Perpetrators address. This should have been a RED FLAG. 

I enrolled with XXXX, paid for by XXXX XXXX. However, this protection is for one year only. It is up to me to continue the annual payments after XX/XX/XXXX. 
On XX/XX/XXXX and XXXX, I received an email from XXXX XXXX It was a payment request. I am receiving collection calls. 

Despite Synchrony Bank declining the XXXX XXXX XXXX, the XXXX was approved and funded. It did not occur to Synchrony Bank to review all activity for credit regarding my name and information. 

I want XXXX XXXX to pay for a lifetime of Identity Theft protection. I am seeking damages from Synchony Bank for funding a fraudulent application.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

Please refer to cfpb complaint number XXXX. Experian states that their third party vendor XXXX XXXX has verified that the account is accurate. I spoke with XXXX XXXX again to reverify. They sated that Experian must run my information through there system again and it will verify that not only do I not have the original account in question but I now do not have the other account as I was in dispute with XXXX XXXX at the time of the original complaint. Experian is sending generic letters without doing their due dilligence,. They are not following the Fair Credit practices set forward as the agency they claimed to have verified said accounts are saying that they have deleted these accounts as well as reported the deletion to experian who refuses to remove the erroneous accounts. I have attached documents verifying one account was not listed as of XX/XX/2021 and the XXXX not listed as of XX/XX/2021 via XXXX XXXX XXXXXXXX documentatoin.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (ME)

My wallet was stolen w my debit card and XX/XX/XXXXcard I reported it stolen to chime bank they sent me a new debit card so while I was waiting for them to send me a new credit card I was transfer my automatic credit deposits back into my checking because u don't need a pin for that card. They closed my account 10 mins after I had a XXXX dollar deposit made said that transfering my money out of my XX/XX/XXXXwas against policy that they would send me my money within a month. I sent proof of identity 6 weeks ago they have no customer service agents to speak to and every time I email them they tell me to give them a month it's always an automated responce. It's my belief that they r hoping I will forget so they can keep my money. I don't understand why I can't speak to someone or why they haven't sent me my money.
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

at XXXX XXXX  on XX/XX/2022 I called the customer service for Great Lakes loan servicing ( XXXX ) from my cell phone because I want to consolidate my FFELP loans owned by XXXX to federal direct consolidated loans. I had questions because I wanted to choose Great Lakes to service my loans once they are consolidated. The customer service woman was rude and impatient, and after a few moments where I tried to explain and clarify while referencing the info I'd gotten from student aid.gov, she hung up on me without answering my questions. ( Which has made me re-think choosing them as a servicer -- I will now take my business somewhere else. )
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (TX)

I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (TX)

I am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX / 30 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-18
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: MRS BPO, LLC (GA)

In XXXX or XXXX of XXXX, I received a weekend phone call from a company concerning a dept from a creditor in which I had no previous contact or experience. I informed the company that I had no knowledge of this debt and it did not belong to me. The company requested over the phone that I provide my SS # in which I refused to provide over the phone given multiple fraud attempts regarding my personal information. I receive a statement dated XX/XX/XXXX from MRS BPO LLC for an amount of {$500.00}. I responded to the letter in writing informing this company that I have no record or knowledge of the dept, did not think the dept was mine and requested that they cease from contacting me regarding payment for this dept. 

On XX/XX/XXXX, I received a electronic alert that my credit record had a collection notice placed by XXXX XXXX XXXX XXXX XXXX. When I examined my credit report, my score had negatively been impacted by over XXXX points due to collection note placed on my file by XXXX XXXX XXXX, XXXX. I had not been contacted by this company previously. I called XXXX XXXX XXXX, informed them that the account was not mine. They provided a document in which it appeared someone had opened an account via the internet using my personal information and an email account that was not mine. I informed XXXX XXXX XXXX that I did not open or had no knowledge of the account and it appeared to be fraudulent. They demanded that I file a police report, obtain a certified rebuttal and provide ID to " investigate '', meanwhile my credit continues to be flagged with the fraudulent account.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

There was an unauthorized charge on my credit card for {$540.00} with XXXX and I was told to wait 90 days for the credit to be placed back on my card.