davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-01
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: CITIBANK, N.A. (IA)

In early XX/XX/XXXX, I opened a dispute for a transaction on my Citibank credit card. The dispute amount is {$300.00}, which was for a down payment for transporting my automobile from California to Iowa ; ultimately, the merchant never provided the auto transport service. As of XX/XX/2020, Citibank has not yet resolved the dispute. 

At XXXX on XX/XX/2020, I received a phone call from an automobile transport company ( the " merchant '' ). The merchant gave me a quote of {$1300.00} to transport my automobile from CaIifornia to Iowa. I initially agreed to to the quote and provided my Citi credit card number to the merchant, and the merchant charged {$300.00} as a down payment. 

At XXXX XXXX  on XX/XX/2020 ( 28 minutes after I hung up the phone call above ), I called the merchant to cancel my purchase. I wanted to cancel it because another company offered a {$1000.00} quote to transport my car from California to Iowa. The merchant initially refused to cancel it, saying that the automobile transport service was already being processed. Shortly after, the merchant proposed to cancel it with a {$60.00} fee, so that I would receive a refund of {$240.00}. I agreed to their proposal. 

At XXXX on XX/XX/2020, the merchant called me and said that they will not issue a refund of any kind. The merchant stated that either I ship my car with the merchant for {$1300.00} or I will not receive any refund on the {$300.00} down payment. The merchant was aware that I received a {$1000.00} quote from another automobile transport company and stated that " Good luck finding a driver for {$1000.00} ''. Ultimately, I shipped my car from California to Iowa via another automobile transport company. 

When the {$300.00} transaction posted on my Citibank credit card ( in earlyXX/XX/XXXX ), I called Citibank to open a dispute. The reason for dispute was that the merchant refused to issue a refund for a purchase that was never fulfilled. I provided Citibank a written proof that my automobile was transported via a different company. Moreover, I clearly explained to Citibank that all my interactions with the merchant occurred via phone. I've never received an invoice or any other document from the merchant. However, Citibank requests that I provide a written evidence that I cancelled the purchase from the merchant. On the other hand, the merchant failed to provide evidence that they provided service of any kind in transporting my automobile. It's been nearly three month since I opened the dispute, and it is still not resolved as of XX/XX/2020.
Consumer complaint received 2021-04-26
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: ID Analytics, Inc. (KS)

I was denied credit in late XXXX, XXXX. I requested my credit reports immediately, XX/XX/XXXX, from the three agencies who were involved in the denial of credit. Two of them responded immediately. StageStream, LLC at XXXX XXXX XXXX, XXXX XXXX, CA XXXX did not send my report even though I gave them the exact same information that the other two credit agencies received. StageStream has been making me jump through numerous hoops to obtain the credit information they have on me. I have had to write them three times since XXXX. On XX/XX/XXXX I provided them the information they requested but apparently they wanted more. The last letter I wrote to them was on XX/XX/XXXX. With that letter, I included a photocopy of my driver 's license. It is now XX/XX/XXXX and I've heard nothing from StageStream. I want my credit report from them and because of all the hassle they have given me on this, I want them fined or penalized in some way for their handling of this matter. Thank you for your assistance.
Consumer complaint received 2021-01-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (PA)

I have made a lease with kia for about 3 years for the Kia XXXX i have taken out.The lease was for 5 years to pay off the car.If for any reason you dont want the car or can not pay it.They give you up to three years so you can take the car back.I was told personally by the person in charge that day, that once i give up the car once the three years comes up i dont have anything else to do with the car, just give it up at the kia dealer, give up the keys, sign the paper and that was it.I made sure i didnt have to pay anything after that and they also checked the car to see for any wear and tear. I was told everything was good to not worry about anything i was good to go.Months pass by and i recieve a letter from Kia Finance stating i owe almost {$3000.00} with a list of things they charging me. I called Mia Dealer and spoke to someone and i was told that they dont have anything to do with it and that they dont know who told me that.They should of told me everything i needed to know before i left, remind you thats not what i was told before i left the car, I was told differently. 
I called Kia Finance which that is where the letter came from and spoke to someone.I was told by them that i have to pay the amount that there is nothing else they can that is what i was billed and thats what i have to pay.I asked if they have payment plans just for incase i have to pay it which i believe in my power i shouldnt be charged especially for false information and the lady told me they dont do that. 
I would like help to investigate why they are charging me and why do i need to pay that money when the information i was told was different.
Consumer complaint received 2020-11-18
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. (NC)

Totaled my car no fault of my own XX/XX/19 XXXX my insurance settled with XXXX XXXX before the end of the month. XX/XX/19 XXXX was paid off and XXXX out my balance. I also received a check for {$72.00} that was extra tax or something from settlement. XXXX dealt with other persons insurance. Then a month or so {$5900.00} is reported as a balance. My Dad had passed away and I was working during the week, driving 7 hours both ways every weekend till after 1st week in XXXX. It wasn't hurting anything just sitting there. I got another check for XXXX deductible. My cosigner on the loan called XXXX to see if it was supposed to go to them and ask about the amount on the account. They told her it was a error and would fix it. XXXX said I owed the XXXX plus another XXXX tire wear. This was into XXXX, they then " fixed it '' by charging off the {$5000.00} error after I paid the XXXX XX/XX/19. I had told them I needed to find out about any tire wear no one had said anything to me. I got some paperwork from XXXX but couldn't tell why I owed the XXXX but paid it XX/XX/19. I had disputed their error the charged off per an employee there saying I would have no trouble. All 3 CRA keep letting them backdate up to 5 months of late charges, and 3 charge offs for the same account. Every time I dispute they let XXXX retaliate derogatory remarks. It is very clear the errors and I sent statements from XXXX who also tried to help me get the money. You can look at the credit reports and see its not right without any proof even. I have been trying to buy a house, deal with dads death, and 100s of man hours into something simple. I sent proof that could not be disputable because of supporting back up. I demanded they make XXXX prove that the statement XXXX told them they owe me was not true. The CRA has not made them provide anything! Others have had the same exact kind of problem and it is crazy they are not made to provide anything. I have where they have accounts different records where they add memos and do special posts.
Consumer complaint received 2020-11-18
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. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received verification of the inaccurate items.. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I had a " XXXX XXXX '' card with Citi since XXXX. Citi bank closed my account on XX/XX/XXXX without any notice due to " no activity on card ''. The balance was paid in full at the moment of card closure and the card was never delinquent. 

I logged into my Citi account today ( XX/XX/XXXX ) and found the close was since closed. I called Citi customer service and found out the account was closed by Citi on XX/XX/XXXX. I had XXXX XXXX XXXX ( Citi XXXX XXXX XXXX that I earned on the card at the time of account closure, Citi refuses to allow me redeem the point for cash or make any compensation offer.

Here is what I think Citi 's activity falls under UDAAP definition : 1. Despite Citi has right to close my account due to inactivity, Citi should have notified my via first class mail or other written format to notify me. Citi did not notify me nor allowed me to dispute this decision timely. 

2. At the time of account closure, the points earned on the account should be cashed out or transferred to another eligible account. Citi forfeited the reward balance and refused to recredit them. 

Citi advertised XXXX XXXX as the feature of the product and a return of profit to customer, yet Citi closes account and seize rewards without notifying the customer. This is especially unacceptable when there is no wrongdoing on customer 's side ( e.g., bank decides to close account due to inactivity ).
Consumer complaint received 2021-04-26
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. (NJ)

There is a bankruptcy on my report that equifax did not verify with the court and its not mine, they are using infirmation from a 3rd party credit reporting agency who im also disputing it with, because they did not verify using my 9 digit social nor did they verify with the court. Equifax removed this bankruptcy then readded it to my report.
Consumer complaint received 2023-01-10
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 (NJ)

I have auto-pay set up with XXXX for XXXX XXXX of each month. I made an extra payment in XXXX when I was alerted by XXXX of a credit decrease of XXXX points due to being over my credit limit. No alert or warning prior too. So, I called XXXX and made an extreme payment of {$100.00}. They didnt take out my auto-payment for XXXX on the XXXX of the month causing an over- credit limit of {$18.00} and my XXXX XXXX dropped XXXX points and so I made another extra payment of {$100.00} and my XXXX XXXX or dispute remains the same. Not fair! No alert again and they neglected to take out my auto pay affecting my XXXX XXXX. Its appearing that this is purposely being done. Help! Thank you!
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am disputing the accounts today as they are a result of identity theft, the Equifax Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1.XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3XXXX XXXX XXXX  {$650.00} 4.XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.
Consumer complaint received 2022-01-05
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)

letter is in regarding the inaccurate entry being reported under bankruptcy .I have repeatedly asked for evidence to support your reporting, but yet again, You have failed to provide me with a copy of any viable evidence submitted by BANKRUPTCY COURT. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, I provide the letter by UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA. 
I am again formally requesting to be remove from my credit report a the Bankruptct and public Records. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2021-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2020-11-18
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: JPMORGAN CHASE & CO. (PA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

XX/XX/2020 I was scammed on ecrater.com from a company they had posted on their site. I bought a XXXX for XXXX through paypal. Which the site took down there website. I emailed them to give me a refund immediately and I also let pay pal know and followed there steps to get my refund. They denied my claim. They are letting people get robbed by scammers by allowing them to use their site and deny us the protection we deserve. Ive had a pay pal account for years and this is unacceptable business practices. They say they protect us from fraud. You can even get help from a live person. They take forever to respond and something needs to be done
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (WY)

Wells Fargo after 9 years decided to close our account because a customer alleged fraud. They said it was going to be closed XX/XX/XXXX, yet here on XX/XX/XXXX, without being able to put money in the account, its going to go negative. They keep saying there are " pending transactions '' but that just is not true, there have not been pending transactions for a month straight, they are REFUSING TO CLOSE THIS ACCOUNT. Its like they are trying to get it to go negative. I want this on the record with as many sources as possible as there will be a Federal lawsuit eminent if it continues.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

I have written five ( 5 ) letters to Synchrony Bank / XXXX to the mailing address listed on my credit reports to advise them regarding a fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX, XXXX, and XXXX XXXX credit reports. The only communication that I have received from Synchrony Bank / XXXX was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Synchrony Bank.
Consumer complaint received 2020-11-06
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXXXXXX {$330.00} OFFICE OF THE ATTY GENER XXXX {$1400.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX XXXX {$4200.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2020-11-06
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)

I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, Equifax and XX/XX/XXXX multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} ) XXXX XXXX XXXX {$3500.00} ) XX/XX/XXXXXXXX XX/XX/XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (VA)

I am on a deed and mortgage with my ex-husband. He was court-ordered in XX/XX/XXXX, per our final divorce order to maintain mortgage payments or sell the marital residence. He has not made payments on the mortgage, and is illegally utilizing the CARES ACT for relief from paying on the mortgage. He has been unable to pay the mortgage and/or refinance it since XX/XX/XXXX, and is now taking advantage of a pandemic to keep from paying the mortgage. He also falsifies his income on the refinance applications. In the meantime, since XX/XX/XXXX, he has repainted the marital residence, which is almost 5,000 square feet if you include the finished basement, he has completely refloored the entire home, resurfaced the in-ground pool and added a salination filtration system for the pool and filed a false claim with our insurance company to get the roof replaced. Not to mention his purchase of three new golf carts and two new jet skiis. He gets a retirement from the XXXX XXXX, XXXX and receives rental income from whomever lives in his home, a rental property located on XXXX XXXX. in XXXX County, VA, a rental property on XXXX XXXX XXXX in XXXX County, VA, a XXXX  stipend from XXXX XXXX XXXX  XXXX  and he owns a XXXX, XXXX, XXXX -- according to XXXX XXXX XXXX earns $ XXXXyr. I am abhorred that he is deceiving our mortgage and insurance companies using a Federal program to evade paying the mortgage, and I'm terrified that I will be included in the scandal when he gets caught. I have sought relief through the XXXX County Circuit Court, but the Judge has refused my requests. I have notified our mortgage holder, JP Morgan Chase and its attorneys at XXXX XXXX XXXX, XXXX, and no action has been taken. I have also filed a claim with http : XXXX and no action has been taken. Please help.
Consumer complaint received 2020-11-06
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. (NV)

These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.