davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was  XXXX  of   XXXX   XXXX   and we pay our bills even after he  XXXX . I have a Problem with  XXXX  and  Citic be cause I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from  XXXX ,  XXXX , and  XXXX . I have the files where I sent information. They sent  thousand of pag es of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  XXXX  also that I did not open up.  Pldease, I am  retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX   and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had  XXXX  card with my husband ove r 20 or 30 y ears ago and never was late.  I had Sears  and  XXXX   XXXX  cards and never was late either. Please investigate for me.    XXXX   sent over one hunder eds of papers with statements and none with my signature on it. Citi said I transferred money to a  XXXX  account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (FL)

PayPal placed an account hold on my count back in XXXX which wouldve made the account hold 180 days before I can receive the {$990.00} in my account it has been well past 180 days and with the coronavirus I understand that staffing is limited. But I am in need of this money since I am out of work and they have held my money for well over 180 days telling me tooAdd a bank account to the account and everything should be fine and thats not the case my old bank account is on file and that account should not be used I am requesting that PayPal or mail me a check for the full balance due to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. For the past month they have been giving me the runaround and Im tired of it I have a family to feed and I am in desperate need of the money that is mine not theirs are they willing to pay me interest or do I need to take them to small claims court
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (PA)

While in the process of refinancing our properties we learned that one of our current mortgage holders Arvest central mortgage company miscalculated the annual escrow analysis and raised our monthly payment by XXXX per month without notifying us. We only found out because the company we are refinancing with showed us a report that has us marked as delinquent for the last 2 months payments on this property with Arvest ... .again this is because our automatic monthly payment sent each month did not cover this newly incorrect monthly payment amount. Because of this incorrect delinquent notice on our record our reference has not gone through costing us extra money each day this issues is not corrected.
Consumer complaint received 2020-04-22
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: LEXISNEXIS (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ftc violations XX/XX/XXXX - In XXXX of XXXX, XXXX announced a data breach that exposed the personal information of 147 million people. The company has
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (SC)

Due to an overpayment, I had a large negative balance on  my Lowe 's store credit card. I requested a refund of this balance per Lowe 's policy. This was 50 days ago. I was initiall y told it would tak e 7 to 10   days to process the refund. Several days after that time had lapsed ; I was told it would take up  to 20  additional days for them to resolve my refund. It has now been 30 days since they said that and I still have not heard anything from them. At this point I can only assume that they plan to not release the balance to me. Can you please contact them and ask why they are witholding funds from me against my will? Thanks
Consumer complaint received 2022-10-03
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. (FL)

Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX bank " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX XXXX  Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX  XXXX  card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I've recently sent in a dispute for correction on my credit report, and nothing has changed. it seems Equifax failed to do a proper investigation required by law. Inquries still remains on my credit report ( hard and soft ) as Ive had no business with these organizations. Also charge offs still remains, and late payments hasn't been placed in current status either. I'm sending in XXXX last and final dispute letter before I go into federal courts if Equifax continues to defame my character and cause me more emotional distress, XXXX XXXX XXXX. I'm being denied credit due to these inaccuracies of debt. Equifax has assumed a vital role in my consumer affairs, so im demanding that they correct my credit report before a suit be filed against them.
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MA)

After review my credit report i founded my old auto loan from XXXX XXXX which this financial agency was closed and given to another financial bank Ally Bank. In 2011, the Ally Bank sent a tax form XXXX Forgive Debt to me and i submitted a copy of this form to all credit agencies to removed this account from credit bureau but this account still showing with no action taken.
Consumer complaint received 2022-08-04
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)

I, XXXX XXXX, am a consumer and natural person pursuant to 15 USC 1692a ( 3 ). After the recent investigation with Equifax and becoming a victim of the Equifax Data breach of 2017, this devastating news further confirms that my consumer report has been irresponsibly tampered with. Equifax is responsible for sending incorrect scores and information to lenders and I have continuously been affected by this. Equifax has evidence proving their negligence and noncompliance is a result of the miscalculation and reporting of my credit score and consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax did not exercise their grave responsibilities, Equifax has been unfair, impartial, and did not respect my right to privacy. Congress has already stated that Credit reporting agencies have assumed this vital role in assembling and evaluating consumer credit and other consumer information. I, XXXX XXXX, did not give permission and Equifax did not have my consent.15 USC 1681b ( 2 ) of the Fair Credit Reporting Act also states Equifax did not have permissible purpose, I did not give written or oral instructions to furnish a consumer report or create a consumer report. I have previously disputed erroneous accounts and information on my consumer report and Equifax failed to remove and delete the disputed accounts and information and continues to report inaccuracies without validation. As a result of Equifax 's willful, noncompliance, negligence and failure to insure the accuracy of the information on my consumer report, I have suffered emotional distress, mental anguish, loss of trust and confidence in the banking system, and my reputation has been tarnished.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (OH)

For the third time now, my relia card has had my funds frozen, and am not able to do anything with my money. From XXXX XXXX, the card was locked, even tho they stil accepted my funds they where only frozen from me being able to use them at all. My ID, tax papers and social security card where requested, I faxed and uploaded them. Again on XX/XX/XXXX to the XXXX, my card was once again locked, only from me being able to do anything with my money, again, they still accepted my money on the card. I again spent murmurous hours on the phone, told something different by every person I talked to, I filed several complaints with the better business burrow and even recieved a letter stating sorry for the inconvenience and I should be able to access my funds. On XX/XX/XXXX, I had to do an identity verification with my ID and a selfie, I recieved a text unlocking my account, and hours later it was again locked! This is crazy and rediculous! I have proven I am who the card is issued to! I have a new account at XXXX for my benefits every week, I really just want to transfer the remaining XXXX XXXX left on the usbank relia card transferred to my XXXX account! My ID is expired, In the state of Ohio we are in a state of emergency, and My ID is acceptable till XX/XX/2020. I would like to get a new ID its kinda hard with my funds being held from me! I have sent in my photo ID, it is the exact same ID I just used in XXXX to get my unemployed claim, if the state of Ohio can accept it, and relia card has on XXXX different occasions, it should be able to be used! I was never asked for a copy of my ID befor I got the card and befor they started taking my money! Why is it that they can atilll accept my money only to hold it from me in my Time if need!! Please help me
Consumer complaint received 2017-04-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (NH)

I received a card from BRINKS which I never wanted or applied for. They have all my information on it and a number to call to " activate '' and another number on the paperwork to " OPT OUT '' calling the number to OPT OUT I was told to call another number, when calling the other number was told to call that other number completing the RUN A ROUND.
Consumer complaint received 2017-04-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (CA)

Got a loan from  CarMax Auto Finance,  car was repossessed, they sold car and now asking for me to repay the amount they lossed on resale The repossession of the car was their choice and their way of dealing with late payments. They never released any information to me as to how much they are selling it for and if I still wanted the vehicle. They took it and sold it for a value they wanted to accept ( I did n't sell it for the m ). Anyhow, my credit is getting dinged up every month with CarMax inquiries because of the vlaue they loss ed on the sale they made. This is a scam in my book. The dings really have nothing to do with car, they are trying to make me make payments for the value they did n't get back when they sold it which is not my fault.
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I had been trying to get help from CitiMortgage on a loan modification for quite a while with no luck. I got an approval from Keep Your Home California for {$25000.00} towards my arrearages and CitiMortgage still would not approve the modification. CitiMortgage eventually sent back the funds that XXXX had wired them on my behalf. That is when I hired the XXXX Law Group in XXXX XXXX to assist in getting a loan modification from CitiMortgage. XXXX XXXX was assigned to work on my file and she submitted the loan modification package on XXXX XXXX, XXXX. XXXX has an extensive mortgage background and felt very strongly that I qualified for the modification. On XXXX XXXX, XXXX XXXX spoke with XXXX at CitiMortgage who told her that my loan modification had been denied because the investor does not participate in HAMP and the investor mod was denied due to my " income not being an ongoing source ''. I have worked at my job since XXXX XXXX and do not intend on leaving any time soon. At this time a new single point of contact, XXXX XXXX, was assigned and XXXX told XXXX that XXXX would be calling her in XXXX to XXXX days. She finally spoke with him on XXXX XXXX, XXXX. He told her that it would be best to wait to resubmit the loan modification request until my XXXX loan was paid off. It was paid off in XXXX XXXX so XXXX re-submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX the modification was denied again this time because : " The current income and assets provided is insufficient to offer an affordable payment solution ''. The denial letter gave us XXXX days to appeal the denial. On XXXX XXXX, XXXX Citibank filed an illegal Notice of Default against my property. Since I was still in the appeal process this is a violation of the California Homeowner Bill of Rights for dual tracking. XXXX filed the appeal letter on XXXX XXXX, XXXX proving that I do qualify for the loan modification and also contesting the illegal Notice of Default. The appeal was assigned to XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX told XXXX that the decline will stand per investor guidelines. XXXX asked her what the investor guidelines were and XXXX would not say. XXXX asked her for the XXXX and XXXX XXXX for the Investor which her office had requested but never received in XXXX XXXX. XXXX told her that the request needed to be in writing. XXXX sent out the letter that day and has still not received it so how do we know what the investor guidelines are? CitiMortgage also refuses to rescind the illegal Notice of XXXX.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I was requested Verifiable Proof for the attached accounts. Per section 609 of Fair Credit Act. That information was never received or provided. I request this accounts be removed as it has been over 35 days and no real investigation ever took place.
Consumer complaint received 2016-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I had a school loan with Fed Servicing that was bought buy them, I was in the middle of a medical discharge of my school loans. My loans were discharged in XXXX and all my loans are in good standing on all XXXX credit reports except with Fed Loan servicing. They claim I was sixty days late with my loans, and they were in the discharge process and were not to be considered late, my loans were bought and sold 3 times and all XXXX of them are listed as negative on all of the XXXX credit reports. I started to dispute this back in XXXX when I noticed this company put the XXXX loans on all three credit reports. I even contacted DOE and and they said I had to contact Fed Loan and I did and they told me to print out a dispute credit form and send all documents to them and they would fix it, Because on information on the DOE website it says if loans are discharged any negative information on your credit reports will be removed. That is aside from my loans were under protection while in the discharge process at the time. So I sent the dispute to Fed Loan and I got a letter back telling me they looked over documents and are " NOT '' changing the negative standing on my XXXX credit reports. So I called them again and asked why and they said nothing they can do, if I wanted to submit the documents again. I told them NO and that I was reporting them for not following Federal law.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a checking account with citibank on XXXX XXXX stating that if I deposit $ XXXX I will receive a {$300.00} bonus. It is now XXXX XXXX and I still have n't received it. I have submitted inquiries twice and called to get this cleared up and both times they have denied me and said they either do not have the bonus code on file or that I did n't meet the terms of the bonus. Their explanations have been inconsistent. I have been given XXXX completely different reasons for my denial an each referenced a different bonus program which tells me that they are not being consistent and they are being fraudulent. 

I am writing you because I have been made aware that Citibank has a history of doing this to customers and they need to be held accountable. I have no reason to just park $ XXXX in an account for them for 4 months. It seems to me that they do this with the hopes of having a free $ XXXX to use as essential an interest free loan for them since they did n't hold up their end of the bargain and apply the {$300.00} bonus. It irks me to no end that I have been given the run around by them for over a month now and I will be canceling my account with them and ensuring others do the same.
Consumer complaint received 2020-10-07
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 (IL)

On XX/XX/2020 I received a notification that " Syncb/sams had requested my Transunion credit report. Apparently, this was a Sam 's Club credit card, I am not even a member at Sam 's Club so I wouldn't even have a reason to apply for their credit card. I called their customer  service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called XXXX  for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.
Consumer complaint received 2020-06-21
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (FL)

My home was foreclosed on by the primary holder XXXX XXXX in XXXX of 2020. Throughout the process despite my notifications, the second mortgage holder ( Fay Servicing ) did not once participate in the process. The home was repossessed on XX/XX/2020 by XXXX XXXX. I notified Fay servicing of this and sent them the sale letter, and repeatedly have tried to call the guy assigned to my mortgage. I get no response, no information, and they keep adding interest to the debt with no activity regarding the notification on the sale. I am trying to repair the damage done but with this open ended debt out there and their lack of any contact or anything I can not move forward. It was my belief that this should have been settled by them and XXXX XXXX when the home was foreclosed on. I understand the process but it is over now. How is what they are doing legal?
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OK)

I have reported this item to the equifax 16 times this time this calendar year. Each time they are citing there has been an investigation, this account was 'verified as belonging to you ( me ), and no removal of a fraud account in the name XXXX ( XXXX ) has been made. I sent copies of my police and arrest reports showing the fraud account number, address, and company information. On my credit report it is listed XXXX. This is a subsidiary to a company called XXXX. The account was opened in XXXX Arkansas. XXXX 's company headquarters is based in Louisiana XXXX XXXX XXXX, XXXX, LA XXXX but the contact number listed as the company 's resolution contact for question post-investigation is a personal landline number that has no affiliation with any business or conglomerate. I 've sent both the victimized debtor and Equifax via USPS mail, Fax, and online upload submissions of the police investigation And arrest reports and both are aware of details of legally upheld claim of identity theft and the arrests made due to these accounts. I have made many failed attempts at resubmission of the same disputes regarding these fraud accounts with the credit company, Equifax, to resolve the quandary and each time being met with stonewalling and returning to the same unfounded results. XXXX and/or XXXX are the same entity. The account number is verbatim the same which is referenced as an identity fraud account in the police report. Equifax has stated this will remain on my credit report because it was ineptly verified by Equifax with the company that was also victimized by the actions of the offending parties of which the account genuinely belongs to. I have provided the credit agency with documented evidence of these fraud accounts with the same account numbers, charge off balance amounts, and business addresses.