davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-10
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: EQUIFAX, INC. (FL)

I am writing to request an investigation on the following information that appears on my XXXX, Equifax, and XXXX  credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXXAcc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX Acc XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX
Consumer complaint received 2021-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (MN)

i had a us bank account for 3 years. i had it attached to my mortgage and was in good standing. i had someone do a XXXX  money transfer to my checking. then someone hacked my account and removed that same amount. after the transaction. i was called that money was reported as stolen. US bank closed my account and blamed me for it and will not let me have another account.
Consumer complaint received 2021-01-09
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. (GA)

On XXXX XXXX, 2020 I sent a letter addressing inaccurate things on my credit report and to this day over 60 days later I have not received a response from them. I believe that I am being taken advantage of by not having my dispute addressed. I did some research and understand that Section 611 ( a ) says that any failure to investigate items within 30 days gives a reason to immediately remove these items from my credit report, well it has been over 60 days so I believe they should be deleted promptly. 

As such, I am demanding that this account be deleted immediately or I will file for litigation because the stress this is causing me which is a culimnation of the Equifax Data Breach that I was already subject too having all my personal info and my family personal information in the wrong hands.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Praxell, Inc. (CA)

I have requested to close my MangoXXXX ( XXXX XXXX XXXX ) account in XXXX. They said the check was mailed on XX/XX/XXXX. However, I still havent received my paper check of the balance ( {$6100.00} ). I have called them multiple times to try to solve the problem, but it still hasnt been resolved. The last time, the representative told me they have reissued a new check to me. However, there is no tracking number and no any status for this.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP (CA)

Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. 

And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. 

U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored.

Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. 

US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section.
Consumer complaint received 2022-12-21
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: Nelnet, Inc. (IL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-12
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. (CA)

Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

This has been going on for 18 months. Fed Loan servicing is incorrectly reporting payments. I consolidated my student loan with XXXX in XXXX of XXXX, paying off Fed Loan completely. When we went to buy a house in early XXXX, we found that they were saying I was 120 days late as of XX/XX/XXXX. When we submitted a dispute, they told us it was correct. I went to check the emails they sent to my mailbox on their system and they were no longer available because the account was closed. They continued to report it wrong until I finally a lawyer involved. So he started to challenge the entries on my credit report and every time he does, Fed Loan servicing reports to my credit reports erroneously which then lowers my credit score even more. This is retaliation because we want them to report correctly and correct their mistakes. Eventually, they correct the mistakes, but it does not correct the damage they have done. It has happen again where they are saying I am 120 days late as of XX/XX/XXXX when they were paid in full in XXXX of XXXX. 

This is costing me the chance to buy a house and thousands in high interest rates. I don't know where else to turn.
Consumer complaint received 2022-10-11
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: Self Financial Inc. (PA)

The beginning of XXXX my new balanced and a current status was marked on my XXXX Credit Report and XXXX as current and paid. On XXXX my balance was updated and not my status. This has left me in a derogatory status on XXXX and if not corrected will lead to my whole family being homeless. We have a chance for a home when that one remark is removed off of XXXX as missed payment and currently late with an updated balance of XXXX from XXXX
Consumer complaint received 2021-01-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action again
st your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (OH)

Hello my name is XXXX XXXX ( account # XXXX ) and I am seeking assistance regarding a financial issue that I have with XXXX XXXX XXXX is a summary of the issue detail is also listed further down. 

Summary : I was quoted a price for a procedure ( in this case it is the XXXX step for an XXXX ) The below is the only data I have ever been provided but AFTER the procedure was done and finally billed properly to my insurance, I have been told I am responsible for {$2100.00} had I been told, I would not have had the procedure done. 
Based on their ONLY quote to me, I should only owe {$790.00} ( after the in-network XXXX discount - {$1300.00} - {$600.00} ( already paid ) = {$790.00} due When I started the same process on a different tooth number I met with and had a conversation extensively with the office manager and was never told that the pricing has changed As stated, the detail is listed below but the bottom line is that XXXX XXXX is charging me of an amount different than what I was quoted for a procedure and its unacceptable to do that after the procedure is done Not only have I had a lot of significant issues with this office but now this debt has been turned over to a collection agency when it should not be because the numbers are not correct I am certainly hoping that two things will happen : That XXXX XXXX will honor what I was quoted o The discount I was offered is a mute point it is $ off a wrong number and still expects a higher payment than quoted. 
That the account will be recalled from the collection agency because it is not appropriate for my credit to be impacted by XXXX XXXX mistake I have not yet sent any additional $ $ because what my insurance paid or did not pay isnt the true issue the true issue is that I was quoted {$1300.00} ( after the in-network discount ) for this step and I should not have to pay more than this amount regardless of where the $ $ comes from. 


The detail is listed below but the bottom line is that XXXX XXXX is charging me of an amount different than what I was quoted for a procedure and its unacceptable to do that especially after the procedure is done. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX ( XXXX ) XX/XX/2021 {$2100.00} {$680.00} {$720.00} {$700.00} {$1300.00}
Consumer complaint received 2021-01-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

I have been trying to validate this debt with no success. After multiple letters to both National Recovery Agency and the 3 Credit bureaus for assistance with validating this debt I have received no sufficient response. XXXX will not respond to me whatsoever even though I can clearly see that they have been receiving my letters. This negative reporting has caused me to miss opportunities and has hurt my reputation. Since this has been on my credit report I have been denied for mortgages and it is currently preventing me from moving forward with my business. I am working very hard to resolve this matter but am being ignored by the companies involved. I have been requesting for validation from the moment I received notification of the collection and have very detailed tracking history. I have uploaded a few documents and more can be provided if needed. This does not seem right that I've had to work so hard just to simply have this validated and have been left with no other options.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IA)

Hello! 
I requested a {$10000.00} refund from MyFedLoan on around XX/XX/2022 for payments made during the pandemic. This continues to be pending and there has been no update despite almost two months of waiting. I've called MyFedLoan multiple times and they give me different timelines each time or say they don't have a timeline. 

It should be noted, I currently have a {$10000.00} balance that was transferred from MyFedLoan to XXXX. Both XXXX and MyFedLoan have said to request the {$10000.00} in payments made to MyFedLoan during the pandemic from MyFedLoan. 

Any help would be much appreciated. 

Unfortunately, the payment history of these loans is not on MyFedLoan or XXXX websites for some reason..
Consumer complaint received 2021-01-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

So today XX/XX/XXXX I was texting a sugar momma and she said she would send XXXX to me through XX/XX/XXXX she said that theyre was a clearance to pay almost XXXX I gave her the money through my XX/XX/XXXX chase account and she didnt give me the XXXX and took my XXXX. She first asked for XXXX and took XXXX. She went into my XX/XX/XXXX and removed my account completely she said I had to pay another XXXX for a voucher which I had no reason too and I begged for my money back she said she needs my ID to deposit money to me Which was unnecessary. She was saying that I shouldve gotten emails from XX/XX/XXXX when I checked theyre were FAKE emails. The XX/XX/XXXX email I gave the money to was XXXX. The email I got was forwarded to me from XXXX. The fake XXXX account username is XX/XX/XXXX XXXX.
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

To whom it may concern, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for month and My lawyer recommended to file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently for the past 9 years. ( since 2012 ) My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-01-09
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. (MN)

On XX/XX/XXXX I've purchased a product from a third party on XXXX for {$960.00}. After 30 Days, the product was not delivered, so I tried multiple times to get it. After 15 days I gave up, bought a similar product in another place, and cancelled my order with XXXX. Because it was an expensive item, and the third party vendor didn't act in a reliable way, I've open a dispute on Citi Double Cash Credit Card. 

Initially, Citi gave me a provisional refund, after I sent the documentation from XXXX proving that on XX/XX/XXXX the money was refunded back to Citi 's Credit Card. For my surprise after 15 days of their " internal investigation team 's '' work, the refund was removed from my account. 

After that we started a monthly process were I called them again, resent the proof, got the provisional refund and that it was removed again. This has been dragging since XXXX. 

On XX/XX/XXXX this {$960.00} was paid in full along with the rest of the credit card 's balance. In the attempt to get my money back from Citi, once XXXX did it's part, I was able to get the banking transaction ID and sent it to Citi Double Cash Credit Card on XX/XX/XXXX. 

It is unbelievable that Citi doesn't have a single place in their website or e-mail to place a complaint. Either you chat online with a robot that takes you nowhere, or call the XXXX number to get the same result over and over again. 

Citi 's dispute process has proven to be so inefficient and not consumer friendly, that I've decided to place this complaint with the CFBP that is very well respected, hoping that we can get a quick and friendly resolution.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (SC)

XXXXXXXX XXXX new card incentive XXXX points after spending $ $ $ they cut it back to XXXX have screen shots of offer I applied for and response from me and company. Seems like a canned response, dont know if it just went to a bot XXXX XXXX XXXX