davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I decided on XX/XX/2021 to close 2 accounts at Citibank due to their unavailability on the telephone ( I have an online account ) and their representatives ' consistent inability to help me ( if I ever got one on the phone after repeated calls and wait times in excess of 20 minutes. ) I called, was put on hold for 23 minutes, then a representative named XXXX told me to simply withdraw or transfer the money in the account to XXXX. He said the account would automatically be closed in 30 days. Since then they have been charging fees on the accounts, and have been robo-calling, emailing and texting relentlessly to collect these charges on a " closed '' account. All this for about {$65.00}. 
Today ( XX/XX/2021 - Sunday! ) they called again and I decided to try to get this resolved. I was again put on hold and finally transferred to someone in the customer " service '' department named XXXX. I told him what happened and he tried to sell me on more accounts and became very adversarial and argumentative when I told him I was not willing to wait on hold indefinitely. I ended up hanging up on him.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I, Consumer requested a free credit report, but was discriminated against. With no valid reason. As a result, I have not been able to pursue life, liberty, nor justice. I seek remedy, relief, and compensation that has held Me from being a Consumer. That violates all Federal Laws CFR. CFFB, U.S.C., T.I.L.A. Civil Rights, EEOC A..
Consumer complaint received 2022-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (PA)

We refinanced our mortgage back on XX/XX/XXXX with XXXX XXXX. The loan services than was switched to US Bank. The school taxes on this property were due by XX/XX/XXXX. When the loan closed, they collected 13 months of school taxes that went into the escrow account. The loan was Transferred to US bank prior to the first payment date of XX/XX/XXXX and with that, all of the escrow money was transferred to US bank to pay the taxes. 
At the end of XXXX, we received a delinquent tax notice with a penalty of over {$700.00}. They never paid the taxes since XXXX and I started reaching out to the tax department starting XXXX. I spoke with a XXXX, XXXX, XXXX, XXXX on the phone and emailed the tax department multiple times and they never responded by email. On the phone I was told on four separate occasions that a manager would call me and my husband back and they never did. I was told a check was mailed on the XXXX but they could give me no confirmation. This has been going on for a month until finally today I called again sat on the phone for almost 2 hours because I refused to accept a callback because I knew it was a lie. Finally a XXXX who said she was a supervisor in tax escalation told me that she too could not give me any proof of payment and it was paid on the XX/XX/XXXX. She then placed me on hold again and sent me over to customer service for some reason saying they could give me proof. The customer service rep I finally reached a XXXX who said he could only give me a copy of our mortgage statement that the escrow didnt not have the money any longer. I asked him if he could give a check number or wire transfer confirmation and he informed me that she was the only person who had that information. He then called her back and after waiting another 30 minutes he told me that XXXX had the information and just didnt give it to me. He said she told him the check was post dated for XX/XX/XXXX and mailed even though they had been telling me all month it was already mailed. She lied to me or avoided my phone calls. So now they said a check was mailed the XXXX, I still have no proof and if the taxes are not paid by Friday we will have a lien placed against the property for taxes that were already paid to the bank. The bank Employees in the tax department have purposefully miss lead me through the entire month of XXXX as they still did not pay my taxes. I am at a loss for what to do at this point. 
Thank you for looking into this! I greatly appreciate any help! 
XXXX XXXX
Consumer complaint received 2021-07-26
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

XX/XX/XXXX I filed a dispute with Penn Credit Corp because this account is not a collection or a charge/off and older than XXXX. It was accurate and removed from my credit. 
This account continues to be sold and added back to my credit with a different collection agency and dates of service which drops my credit score drastically. This account should not be on my credit this account keeps being sold through peopled gas since they can not file under an old account. This account is past the limitations to be on my credit. They keep selling and adding to my credit. I filed against peoples gas first XX/XX/XXXX this was removed then now added again.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I had my student loans consolidated. The consolidation included loans/account numbers XXXX and XXXX. When the loans were consolidated into a new loan the old loans that are apart of the consolidation remained on my credit report. The old loans should all be removed and only the newly consolidated loan should be on my credit report. The old loans still being there means these are all duplicates and for the accounts to be duplicated through out my reports is a violation of the fair credit reporting act The federal Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer.. I would like for the old loans to be removed ASAP.
Consumer complaint received 2016-02-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (AL)

Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (MS)

I had a Walmart Credit card some years ago with Creditor SYNCB/Walmart. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called XXXX XXXX XXXX.
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/2021 I initiated a transaction with another user in PayPal. The transaction amount was {$2500.00}. I had the user refund the money through the PayPal interface. The balance of the transaction that was from my PayPal account was refunded but the remaining {$2400.00} was not refunded back to my account. Since the initial transaction I have worked with PayPal and my bank to get the refunded money ( {$2400.00} ) back into my checking account. PayPal keeps saying the card issuer has to find the money but the bank has traced all the IDs provided by PayPal and concluded that PayPal issued and then recalled the refund. PayPal keeps saying it is a hold on the money and the bank has to release the hold. The bank, XXXX XXXX, has provided PayPal with confirmation that the money is not on hold nor was it refunded to my account on several occasions now. The bank even provided a contact in the executive office for PayPal to confer with in regards to this issue. It has been over 4 months now since the transaction and PayPal has not made any headway on this much less resolved the whole issue. A previous CFPB complaint ( XXXX-XXXX ) was submitted for XXXX XXXX  to confirm that all actions that could be taken were taken on their part. The bank has confirmed there are no further actions they can take and that PayPal is responsible and liable for this transaction.
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AL)

XXXX XXXX, XXXX XXXX XXXX, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

During XX/XX/XXXX, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/XXXX without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, XXXX XXXX XXXX have not been successful either. Please resolve.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent on XX/XX/21 and they have yet to remove the accounts. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2021-07-24
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: Paypal Holdings, Inc (TX)

My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX  and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company PayPal. I have contacted PayPal for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.
Consumer complaint received 2017-01-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (IN)

AFNI FAILED TO VALIDATE A UNAUTHORIZED DEBT INQUIRY ON MY XXXX CREDIT REPORT DATED XXXX/XXXX/2016. 
SEE ATTACHED. 

IGNORED CEASE AND DESIST.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (DE)

Around 2013 several bank accounts and credit cards were opened under my name at Webster Bank without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.
Consumer complaint received 2021-07-25
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. (MI)

Please help as this situation has really plagued my life for the worst. These malicious bureaus must be held accountable for all the wrongs that they place onto the american public. I will trust you take this formal complaint seriously and enforce these acts to the fullest extent of the LAW. On XX/XX/XXXX I sent a letter regarding inaccurate and unverifiable and misleading accounts on my consumers report. To this exact date over sixty days later i have not yet received a timely response yet. I feel as if i am being taken advantage of as a consumer of this great country and my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within thirty days gives a legitimate reason to IMMEDIATLY delete and remove these items from my consumers report. It has been over sixty days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or i will be forced to file litigation due to the stress this misleading reporting has caused me. My information and personal information was also affected by Equifax Data Breach that took place in XXXX and may have gotten into the wrong hands. I AM THE PERSON WHO WROTE THIS COMPLAINT AND ONLY ME. PLEASE DONT RESPOND SAYING OTHERWISE.
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-24
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. (OH)

The credit reporting agencies did not correct my score to where it should have been up in XXXX of XXXX, even though the letter I had sent stated that the school loans was all discharged as far back as XX/XX/XXXX. Also Equifax took my credit score down another 55 points after the results from my dispute with CFPB. I have notice that they went up 55 points and then they went back down 55 points. This needs to be investigated to see why this is happening, and why my scores don't reflect the discharge letter that I sent in to show how far this corrections should have been completed.
Consumer complaint received 2021-07-25
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. (LA)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Consumer complaint received 2020-04-24
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: Experian Information Solutions Inc. (OK)

Experian Credit Reporting Agency permanent deletion of XXXX XXXX XXXX account number XXXX. 

XXXX XXXX XXXX Deletion previously placed in Experian credit file Deletion date : XXXX XX/XX/2019 Experian Report Number : XXXX XXXX XXXX XXXX XXXX Experian has not permanently deleted said account. 

Experian has not updated my credit score to reflect said deletion of XXXX XXXX XXXX closed/written off/disputed account.
Consumer complaint received 2017-01-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Consulting Services, Inc. (CA)

Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/2016 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. Now they went to the credit reporting agencies to blacken my name and blackmail me into paying a bill that has nothing to do with me. Please help me defend myself against this cruel, vindictive behavior.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (PA)

On XX/XX/2021, I purchased a toolset from a website that was advertising it as a XXXX XXXX tool combo with my Discover credit card for {$98.00}. After watching the tracking number for when it was supposed to arrive and even waiting a few days after it shows " delivered '', I contacted the company inquiring into why I hadn't received my items with no response. I then contacted my local postal service and gave them my tracking number who confirmed that the package was not sent or ever in transit and that this is a common occurrence to have fake tracking numbers from these kinds of companies. Long story short, I got scammed. So I did the next step and disputed the charge with Discover. Then said okay, we'll investigate it but will take it off. So I thought this was over and done with but saw they recently put the charge back on with a letter saying they don't have enough evidence to claim I didn't receive the item and that they contacted the scam company who says they sent it. They also told me that my only option is to get documents confirming the tracking number was false from the USPS. I contact my local postmaster and he gives me a letter confirming the tracking number was false and submitted that document to Discover. I also submitted my correspondence ( or lack thereof ) with the company showing that they have made no attempt at contacting me. I do all that to be told today that it isn't enough evidence, that the " Postmaster '' could be anyone and it all could be a made-up word document because it doesn't have a USPS letterhead. I'm at a complete loss and don't know what else to do to get this charge taken off my card for an item I did not receive.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are 4 accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX