davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

I have a structured settlement agreement with Citibank concerning a outstanding debt. The settlement was agreed upon between my lawyer XXXX XXXX on behalf of myself and a my contracted debt settlement company, XXXX XXXX XXXX, and the debt collector for Citibank XXXX, a law firm in Virginia. The account was settled last year in XXXX of 2021. I have a copy of the settlement with a payment schedule which has been adhered to being paid by XXXX XXXX. 

Citibank is currently reporting the incorrect balance and a failure to pay on my credit report. Since the settlement last year. I have attempted several to contact Citibank and correct this issue, but they direct me to XXXX. 

My lawyer XXXX XXXX contacted XXXX last week, they stated the do not report to the credit bureaus and that is done by Citibank. 

After contacting Citibank several times I can not find a person to assist me and the keep giving me a tun around. 

I have filed several disputes with the credit bureaus but the keep finding in favor of Citibank This has been going on for over a year now the balance is incorrect and so is the payment history with the negative impact on my credit reports.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (CA)

I received today, XX/XX/2022, my Truth-in-Lending Disclosure from Affirm, Inc. for a closed-end installment loan to purchase a health/exercise program ( the " Product '' ) from the company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm , Inc. and it's related company - Affirm Loan Services, LLC ( " Affirm '' ) provided the loan to purchase the Product via a bank partner - in this case, XXXX XXXX XXXX  ( the " creditor '' ). I signed up for the Product back on XX/XX/2022 and I was not able to " read before you sign '' because every thing was online and I was not able to access my TIL disclosure via online. I was not provided the TIL Disclosures via email - however - I did receive a " welcome letter. '' I was given false statements on how to make my monthly payments and after contacting " Affirm '' Call Center in the XXXX, they were finally able to get the TIL disclosures out to me - today, XX/XX/XXXX. XXXX says that I can not cancel and it is not refundable - they state that I had XXXX hours to cancel after getting my disclosures- back on XX/XX/2022. I never received such disclosures. Payment is Due XXXX - XX/XX/2022. I am disputing with Affirm but they say that a payment is due now even though I have postpone my Product to XX/XX/2022. XXXX is willing to postpone my Product to XXXX but Affirm is not willing to postpone my first monthly payment to XXXX. False statements and misrepresentations were given to me to get me to sign now versus later. I was told that I can make my monthly payments via my credit card and I learned today after receiving the TIL Disclosures that I can not make the monthly payment on a credit card. I feel I was pressured to sign immediately without reading the TIL disclosures.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION (FL)

Someone somehow got information about my bank account and printed a fake check and photoshopped my full name onto it and attempted and successfully put it into my checking account, the bank saw that the check was fake and put negative XXXX dollars on my checking account and I don't want to pay that money because I didn't do it my banking account is also locked because the bank 's security locked it automatically and they cant undo it. I went to a police station, and they gave me a site to go to and that site led me here. 
Contact me at XXXX Suncoast Credit Union Florida XXXX
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (TX)

Request for refund of student loan payments ( eligible under Biben 's student loan forgiveness act ) made during the pandemic have not been process in over 30 days compare to other servicers at 7-14 days. 

Company : ED Financial Services Requested refund on XX/XX/2022 : was told " {$23000.00} will be refunded '' Followed up on XX/XX/2022 - status " still waiting for processing '' Followed up on XX/XX/2022 - status " still waiting for processing ''
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (NY)

On XX/XX/XXXX I received a call from Key bank XXXX branch mgr. XXXX XXXX regarding my overdraft Credit line {$10000.00}. being maxed out. She supplied the phone # for Key bank - fraud dept. I immediately called and was advised to open a police report. Which I did within XXXX minutes with the XXXX XXXX XXXX XXXX. job ( XXXX ) with XXXX XXXX and proceeded directly to my XXXX branch with a copy for XXXX at which time she supplied with an affidavit to be filled out, notarized which i was able to do on the next business day XX/XX/XXXX and returned to XXXX. Sometime later within a few days the charge was removed from the account. At some point within a week or two the charge was put back through and placed back on my account. At that point I was told that Key Bank had taken the available credit and applied to a balance for my ex-wife, with the explanation that the accounts were still linked even though we visited the branch and filled out and signed all the documents they provided to separate all of our existing accounts, around XX/XX/XXXX and divorce was finalized XX/XX/XXXX. This issue was refered to XXXX office XX/XX/XXXX. Since that time I have been working with XXXX, ( XXXX ) case # ( XXXX XXXX XXXX ) with no resolution, and continue to receive collection letters and calls we are now past due more XXXX days and I am sure my XXXX XXXX XXXX is damaged.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (FL)

Equifax is violating the law by reporting medical collections that are less than $ {$500.00} by a collection agency they previously removed this item from my report. Also the information violates my health protection information. I have disputed this several times it was previously removed and now its showing back on my credit report. I would like the mall to be in in forced and have these collection accounts remove
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused XXXX  XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-10-19
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. (MS)

XX/XX/2022, Equifax was sent a letter to delete the inquiries from my consumer report and also the inaccurate reporting of accounts. They were given XXXX  days to respond back to me. There was no response, I went to the official website to dispute the same things and they did a XXXX investigation just to tell me that everything they are reporting on my consumer report is accurate. This is identity theft, ehich I have been a victim of for about XXXX years already, with someone using my social security number. This is illegal and unjust, I am unable to provide a decent living for my family due to these inaccuries and I will not stop until something has been done about this matter. I have documentation as well.
Consumer complaint received 2022-02-19
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)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX, XXXX XXXX Balance : {$57.00} ; XXXX  XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX/XXXX/2021
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

I have unauthorized inquiries for the following companies : 1. XXXX XX/XX/2021 2XXXX XXXX XX/XX/2021 3. XXXXXXXX XXXX XXXX XXXXXX/XX/2021 4. Syncb/Amazon XXXX XX/XX/2021 5. Syncb/Lowes XX/XX/2021 6. XXXX  XXXX XX/XX/2021 7. XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted the company multiple times asking them to delete to verify a bankrutcy which they said it was verified through XXXX XXXX and or the court house I have sent a letter from the court and XXXX XXXX stating that it was deleted or was not verified, and the company still refuse to deleted the bankrutcy after i sent the letters stating the coudnt verify it.
Consumer complaint received 2022-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XXXX I graduated from XXXX XXXX XXXX and paid off my loans in full. The college and myself and federal loan department have record of this. I did not attempt to re enroll until XXXX when I was accepted into XXXX XXXX XXXX XXXX XXXX XXXX. I was unable to obtain loans due to records of student loans taken out in XXXX that are linked to an address that does not belong to me and was included as part of identity theft from the XXXX data breach. The department of education can not provide the institution in which this loan was to cover tuition for. Ive spoken to multiple people and filed multiple reports and complaints attempting to have the loans removed from my responsibility for obvious reasons. Upon enrolling in XX/XX/XXXX in XXXX XXXX XXXX i was required to consolidate these false loans to proceed with admissions.
Consumer complaint received 2022-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX, 2022 I got a text that my son ( who also has a Wells Fargo checking, savings and credit card account ) had sent me {$3500.00} via XXXX. I immediately called him, and he said he had just received a text from " Wells Fargo '' asking if he authorized a {$200.00} transaction at XXXX XXXX. He replied " XXXX '' and right after received a phone call that came up as " Wells Fargo '' on his phone. He answered and the person on the phone said he was a Wells Fargo representative and my son confirmed he did not authorize a Home Depot transaction OR a {$3500.00} XXXX transfer from his Wells Fargo credit card to my checking account. The " representative '' ( scammer ) said he would help him fix this. They contacted me on a 3 way call. The man said he was a Wells Fargo representative and that in order to fix my sons account, I needed to send that money back thru XXXX to my sons checking account and they would credit it back to his Wells Fargo credit card. I told him I could only send {$1000.00} a day on XXXX, so he told me to send {$1000.00} a day until I had paid back the {$3500.00} to my son 's account. He said once the funds were all received, it could take up to XXXX business days to get back into the right account. So, on XXXX XXXX, I sent {$1000.00} to my son, on XXXX XXXX, I sent another {$1000.00} to my son, on XXXX XXXX, I sent another {$1000.00} to my son and on XXXX XXXX I sent {$500.00} to my son via XXXX. After 10 days it still was not credited back to his account. He called Wells Fargo. They told him his claim was somehow closed. He told them he did NOT close it. They had to re-open the claim and wait AGAIN! After XXXX waiting period, his account was still not credited, until XXXX XXXX when Wells Fargo took {$3500.00} from MY checking account to credit back to my son 's account by online transfer reversal. I only had {$1000.00} in that account so that made me {$2500.00} overdrawn. I have been dealing with Online Claims, Fraud Dept and Escalation Team ever since and have been treated HORRIBLY by a bank I have been with for over 20 years. I have cried over the phone, and in the branch, and become hysterical and been snickered atm blocked from my account because I refused to give MORE personal information over the phone to Wells Fargo and I still have recevied NO resolve for almost 3 weeks now. The Branch manager at one of the branches says he filed a complaint for the way I have been treated and forwarded my case to Escalation, but nothing has been done. Wells Fargo has taken my last 2 paychecks and I still owe over {$400.00}. I keep being told to give them 10 days but it keeps getting stretched out! I can not get answers to exactly what happened but they way my son and I have gathered is that this scammer somehow took posession of his accounts and stole the initial {$3500.00} I sent to MY SON. No one can tell us where the " original '' {$3500.00} has went.
Consumer complaint received 2022-10-19
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-19
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. (TX)

My account was supposed to be investigated but it was never validated and I was was never notified of how it was verified or the process of how it was verified!
Consumer complaint received 2022-10-19
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: Synovus Bank (TX)

I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
Consumer complaint received 2022-10-19
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. (TX)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (MO)

I called Capital Accounts LLC on XX/XX/19 and spoke with XXXX. I requested proof that the debt listed on my credit report was valid. I was told I needed to contact the original creditor. After advising I have already tried and the provider is no longer in business I was advised by XXXX that the company is not required to send me anything to validate my debt and they do not have any letters or documents to do so. XXXX then hung up on me twice after I requested a supervisor. I attempted to send a debt validation request via certified mail on XX/XX/2019 but the company has no physical address listed only a PO Box so I am unable to obtain proof the company has received my request. I have since received two different emails from this company on XX/XX/19 and XX/XX/19 with 2 different balances and was advised they are charging interest every day the debt is not paid. Collections agencies can not charge interest on debt if they are not the original creditor.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AR Resources, Inc. (GA)

I have written several letters and filed disputes with XXXX and XXXX about a collection. AR Resources is saying I owe a debt for a medical collection. I have requested the company AR Resource to provide the original HIPPA release form and/or the original signature for this MEDICAL bill. They have yet to provide it. I asked have in XX/XX/2021 XX/XX/2021 XX/XX/2021 and XXXX and XX/XX/2021 I have also filed a complaint with XXXX XXXX.