davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Hi - I am  a New Yorker and  a  30 plus year Citibank client - also a private banking client and now CitiGold Account - my account is in good standing.    I am traveling in  XXXX  and was asked to use a PIN with the   Citibank Mastercard - something I never do in the US - because I remember my PIN in letters and the key pad here is only in numbers - I Transliterated the number wrong - and then went to bank and entered a wrong number the account was blocked.
Citibank has established my identity a variety of ways and satisfied I am the card holder.
But to my astonishment I am now stranded with no money because Citibank will not unlock the account and will not allow me to create a new PIN to access my account - Apparently they just block you from your own account - and your own money.
They are completely unable to problem solve and the first 4 representatives i spoke to to - just gave me inaccurate information!
Here are the employee numbers - Plus I am traveling child - Please help!
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (IL)

On XXXX XXXX I called XXXX XXXX to locate the buyer of this account. I spoke a to rep named XXXX, he allowed me to record our call XXXX could not locate this alleged debt nor could he provide the buyer of this accounts information. I called Experian immediately, I asked for verification of debt and I was told they couldnt provide anything in writing and word of mouth is excepted as validation of debt from any company. This inaccurate information is negatively effecting my credit. Experian has not properly investigated this account. Under law I should receive a proper investigation. Please provide verification of this alleged debt or a copy of a judgment within 30 days from today or immediately delete this account { FCRA XXXX U.SC. section XXXX ( XXXX ) ( A ). Also send an updated copy of my consumer report. I am willing to send the conversation I recorded with XXXX to show just how fraudulent Experian has behaved in the lack of a proper investigation please provide a email that I can send this file too, the call is longer than XXXX. All facts are stated within the call. This alleged debt is an act of fraud
Consumer complaint received 2018-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (TX)

On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (GA)

Hi I am submitting this 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  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have a credit account with PayPal and have never been late in making payments. I go online as normal and made multiple payments from my XXXX checking account. PayPal sent me a notification that all of my payments were returned checks, even though I never wrote any checks. I was told that my checking account had become disconnected from my credit account and would not go through even though I made sure it was reconnected. I was then told it takes 4 to 5 days for the re-connection to be completed. That should not be me ( the customers fault ). I tried in good faith to pay on my balance but was rejected because of technicalities. I then called and read my debit card over the phone to pay the original amount I wanted to pay. Now Im told that because these previous payments were rejected ( through no fault of mine ) that my account would be closed, even though I have been a stellar client. This closure will look bad on my credit reporting agencies. But, I was told I basically have to grovel to get this PayPal ( Synchrony bank ) to get them to reopen my account once it is closed. This is unfair and not because I did anything wrong. Only because this company relies on computers to instruct them with how to deal with clients. Im XXXX XXXX XXXX and retired now, and I have great long term relationships with major financial organizations. Here is a relatively new banking institution who knows nothing of the value of a good client, and they could care less to treat me in an abysmal fashion. This cant be legal! It certainly is not ethical!
Consumer complaint received 2022-07-22
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXEPT OF ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I cancelled my account with Lexington Law in early XXXX because I did not see any change in the work they had done since I began with them in XXXX. At that point in time I was told I would be charge two months of service {$140.00} each month. I told them I did not want service because they had made no changes to my credit, and I began working with another credit repair company. Lexington Law says I will be billed one month of service, {$140.00}. I do not believe I am obligated to pay since I received no services regarding my credit.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Re : Check fraud. I wrote a check from my Wells Fargo checking account made payable to my landlord for payment of XX/XX/2021 rent. Landlord called to tell me he never received the check. I looked at my online account and the check was listed as cashed posted on XX/XX/2021 with two endorsements. The amount of the check was {$3000.00}. I went in person to my local Wells Fargo on XX/XX/2021 and submitted a Check Fraud Claim. I also went in person to the bank on XX/XX/XXXX with my landlord and submitted an Affidavit of Check Fraud signed in front of a Notary. The Wells Fargo representative told me I would hear back from a Wells investigator. I never heard back. I have called the bank many times but they are never able to give me any information. They tell me my case is still under investigation and that when they finish their investigation the money will either show up in my account or they will contact me. 
When will I receive a reimbursement?
Consumer complaint received 2022-07-22
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MN)

I don't think missed payments should show up for my student loans. I have gone through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was not able to update my information or to communicate with the loan servicer as I was experiencing significant impairments from XXXX XXXX. Not long after I first started to need to start payments or do other options to keep the account in good standing, I was civilly committed to the state hospital in a locked facility with limited means for communication outside of the facility. I also don't believe I should have to pay the loan because I wasn't given the services I need by the school 's XXXX XXXX XXXX XXXX office. I requested assistance in various things and I even gave them a full doctor 's report from a thorough neuropsychological evaluation I tried to continue trying to communicate with their office but the administrator for it was changed and there was an interim replacement. But besides finding out the staff changed I never was able to get a response or any kind of communication with them after that. I ended up getting no assistance for my XXXX and I failed my classes and dropped out after the first semester.
Consumer complaint received 2022-07-22
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: Chime Financial Inc (CO)

I have been having trouble with disputes since XXXX of 2021. 

First I had transactions in another state at places I had not gone. 

Then I had a transaction from my local XXXX and they declined the dispute then too but offered no further proof that I requested such as was it slid or a pin used. 

Lastly today I made a dispute after my purse was stolen and they declined it minutes after. They are not even investing.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Consumer complaint received 2022-10-24
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. (LA)

It has been and on-going issue with XXXX, Equifax and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : 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 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (CO)

Hello and thanks for reading my complaint. 

In 2019, my wife and I signed a lease for a condo at XXXX XXXX XXXXXXXX in XXXX Indiana. I was there playing baseball. We stayed and payed out our lease. Payed every bill they ask and didn't have any issues. the following year my wife and I were getting financing option for our first home and saw a collection on our report from XXXX XXXX  XXXX for XXXX XXXX We have no idea what that's for but just figures there no need to hassle and so we just paid it off. Now fast forward we both still have Derogatory Collection on both of our credit reports. its been incredibly damaging because it pushes or interest payments very high over something we have no control over. Our monthly payments are XXXX $ more a month because of our interests rate is high because of this Collection on our report. I contacted Pro Collect who is the collection agency responsible and they won't take it off our report. This is just wrong and the big institutions are taking advantage of us to get higher interest payments.
Consumer complaint received 2018-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

I am requesting verification of the account from Ally, account # XXXX on my XXXX report. XXXX has been reporting a balance that is owed. I have paid the balance of in full. In Result of paying my balance of in full I have received the Congratulation letter dated XX/XX/XXXX and I have also received a free and clear Title for the vehicle ( Please see attachment # 1 and # 2 ). I have also disputed this account several times with XXXX  and with Ally. I have attached all letters with certified copies.

I spoke with XXXX  from XXXX onXX/XX/XXXX and XX/XX/XXXX. OnXX/XX/XXXX, He stated Ally has verified the information as accurate. On XX/XX/XXXX at XXXX we got a Rep on the phone from Ally and she stated she will send me the information I requested which was a payment declined or Bounce check. I am sure I paid my balance off in full. But no one is able to provide me with, why I have a balance. The Rep from Ally did mail a typed letter stating my balance, ( attachment # 3 ) but does not show any type of payment history where the payment was not successfully. I spoke with XXXX   on XX/XX/XXXX and stated No updated information were reported from Ally. I have attached all documents for you guys to review and come to an agreement to remove to negative Account off my XXXX Report. If you have any question please contact me at XXXX  or t the above address.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Over the past 6 years Wells Fargo has discriminated against me with not only opening a credit card but with opening a check back when they offered a {$100.00} bonus for opening a checking account and utilizing the debit card 5 times - my account was never opened & i was denied credit after several years of on time payments proving discrimination by this company- around XX/XX/2022 I received letters stating the opposite