davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (AZ)

In XXXX XXXX XXXX a 30 day late was reported to credit bureaus. This was a one time hardship and asking for forgiveness however no one willing to help me. I am a first time home buyer and trying to buy a home.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

I was added to an account without my knowledge, consent or permission. My husband added me as a user on his account. US Bank added me as a co-owner. I had no knowledge of this and have been trying to have my name removed from the line of secured credit as it adversely affects my credit.
Consumer complaint received 2021-07-10
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. (FL)

To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against Best Buy  and XXXX for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX  for reporting accounts that were opened illegally while I was underage.
Consumer complaint received 2022-06-09
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: JPMORGAN CHASE & CO. (CA)

My XX/XX/XXXX I applied for a re-finance loan with JP Morgan Chase mortgage. XX/XX/XXXX email update states I need to provide creditor with " Can you send a copy of the back of that Discharge of Debtor? Our review team is needing all pages ''. I filed bankruptcy XX/XX/XXXX. Why is a creditor looking at that on credit bureau 12 years later? When I filed the attorney stated it would only show for 10 years. 

Now I can not refinance since I can not provide this paperwork, albeit after statue of limitations date is past. I find this unacceptable, how can it be fixed on XXXX? 

Thanks much!
Consumer complaint received 2021-07-10
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. (FL)

To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against XXXX XXXX and XXXX  for allowing someone to open credit card accounts under my name at an illegal age to do so along with Equifax for reporting accounts that were opened illegally while I was underage.
Consumer complaint received 2018-11-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (RI)

They charged off my account and added on my report a charge off remark. By law, an account can only be charged off after 180 days of deliquency. I asked them to show me how I missed 180 days of minimum payment they kept forwarding my calls and are always unable to answer me since my last payment was just a month ago. I filed a complain with the credit bereau but the  credit card company is still refusing to remove the wrong data off my report. I'm asking that they delete those wrong information from my report. I even have already paid off the full balance now.
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AL)

A merchant accidentally took out 2 payments instead of just 1. Both payments caused my funds to be extremely low. I called the merchant to reverse payment and they said it was going to take 3-5 business days for them to review the issue. I needed the money immediately because that was all I had and Im a XXXX  XXXX. So I called Wells Fargo customer service line and the banker issued a stop payment since it was still processing according to the Wells Fargo app. There was a {$31.00} stop payment fee. The banker told me I could get my {$31.00} back as soon as the merchant review my payment. I called the merchant back 6 days later and they said there was an stop payment issued and everything was good to go. So I called the Wells Fargo customer service number again and the Banker told me that I couldnt get the full {$31.00} refund but that I could only get back {$23.00} as a courtesy because the automated system takes my account activity and relationship into consideration when issuing my waiver. Also, she told me that she did not have the option of refunding all my money. Even though clearly it was a merchant error, Wells Fargo still took my money that I was supposed to get back.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

We ( I and my spouse ) have opened two checking accounts that has a bonus promotion of {$400.00}, per account, contingent that the account maintains its opening balance for two months. Each account will be credited with {$400.00} no later than 90 days after the two month period has past. We opened the account on XX/XX/2018. We were informed that our account will be credited with the promotional bonus by XX/XX/2018. We called Citi to inquire about the balance on XX/XX/2018 and was advised that it will be credited by XX/XX/2018. After confirming that the promotional bonus was not credited, we were informed to wait for a week. On XX/XX/2018, we called Citi again to inquire on the promotional balance credit. They stated that an internal investigation needs to be filed and we can assume that the investigation results will be available by XX/XX/2018. We called Citi on XX/XX/2018, inquiring on the disposition of the internal investigation and was advised that their investigation queue is taking longer than expected and that they can not provide an estimate when it will be resolved. 
We have opened the account and adhered to the contractual obligations of the promotional requirements. We have in good faith called Citi numerous times to address and correct the issue. However, Citi is giving us a run around and not adhering to its contractual obligations. 

Please assist.
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (MD)

i open my account on XX/XX/2021 i made a deposit of {$100.00} for my new account. 
further more since i just started with my new account i ask was their anything uncommon i need to be advise of on this account checking. the answer was ( no ) after i ask more question about my new account what are the great features. there was nothing special to say so i left with some checks and new paper work in my account. i called on my second day to set up online bank with the bbt i was told ( no ) they was unable to help since they didn't feel like working go to the branch or call back later on when they are not busy. my account has been locked for months with zero help from ( bbt ) so i can check my account get help instantly i was denied help as a new customers.. thats poor customers and the ball been drop more times!!!. pictures will be uploaded.. don't miss used a new customers with games and poor customers services skill and don't use we had software updates or errors in the system as a ( excuses ) be fair and honesty with people none these charges should be on my account at all. since i never able to sign up for my account at all or able to address anything or view my account needs at any given time..
Consumer complaint received 2020-08-11
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. (GA)

XXXX Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit XXXX. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, XXXX Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.
Consumer complaint received 2018-11-21
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: BB&T CORPORATION (IL)

The company XXXX XXXX or XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX report on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Scammer phone number : XXXX ( XXXX ) XXXX Scammer 's Email : XXXX Scammer 's name : XXXX XXXX XXXX XXXX XXXX XXXX sometimes they use both male & female first names ) These scammers are preying on people 's paypal personal accounts as well as accounts on websites such as, XXXX, XXXX etc. 
They contacted me via phone & text messages on XXXX threatening my life and personal data security several times. This way they wanted to force me to pay them money via PayPal. 
I presume they somehow have managed to illegally obtain my personal information from my profile accounts on the websites mentioned above. 
I already reported to PayPal com. but no actions have been taken so far. 
Please help.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I already have an active complaint which Chase reached out to me and was supposed to stop payment on 2 checks and deposit them back into my account. Only one check was deposited and so I called today and at first was told the other check would be released by the end of today! The end of today came and no check! I called back and they said they had no recollection of this! I want my funds deposited back into my account NOW!
Consumer complaint received 2021-07-10
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 — 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 XXXXXXXX  and XXXX XXXX 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 2020-08-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX  credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (DE)

Navient is reporting that i have {$5400.00} of new debt on my credit report. I was notified that starting in XXXX that as a presidential ORDER that I was not going to have to make FEDERAL student loan payments. NAVIENT is fraudulently reporting that I am not making payments and my LOAN is not being marked as paid. PER Their letter no interest should accrue so why do I have a new additional balance of {$5400.00} on my credit report since XXXX? This is absolute FRAUD!!!!
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC (GA)

During the past year, I have made repeated attempts to XXXX and the other reporting agencies, to report inaccurate balance reporting by Rise CREDIT LLC, where I have shown, that my account was up to {$3500.00} lower than you were reporting. However, you persisted to fraudulently report inaccurate balances, even when you were advised by the reporting agencies, that my balance was much less. Your actions were/are an on-going criminal-enterprise, with reckless disregard '' for my personal finances, happiness and peace of mind, where you continue to violate my rights, with malice aforethought, causing me hardship, stress, and financial cost, and legal hardships, with reckless disregard for my well-being and enjoyment of life. Please be aware, that I intend to pursue all legal remedied available to me, for this continued pain, distress, suffering, and mental anguish, caused by all parties, including, XXXX.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc. (NY)

Issue related to a wire transfer with the company Revolut XXXX. 

XX/XX/2022 : Wire transfer of {$240000.00} made to Revolut. 
XX/XX/2022 : Revolut rejects the funds and claims to have wired them back. 
Multiple attempts were made to obtain a tracking number for the allegedly returned wire transfer and after a week of constantly reaching out to support they have been unable to provide the whereabouts of these funds. 
XX/XX/2022 The funds are still not accounted for.
Consumer complaint received 2020-08-07
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. (TN)

The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I asked Navient to submit my past payment information to a forensic accountant/lawyer who I hired to review the charges to my account and they have refused to do that. 

I make payment for almost 14 years well beyond the due amount every month for years, which should have cost the balance to drop, but it has not. I want this forensic to compare the payments I did from my bank accounts to this company and make sure I have not been taken advantage. Navient, which is former Sallie Mae has refused to do so. 

I want all the information to be sent to XXXX XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I reviewed my credit report from Equifax and notice that there are some inaccuracies in my file. 

XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - open date is inaccurate ( documentation provided ) XXXX XXXX - payment history is inaccurate ( documentation provided )
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/2022 I made a payment to the credit card Marcus Sachs of {$500.00}. My payment was XXXX the money order was cashed XX/XX/XXXX I called to make a report. Five times also on my credit score. They told me that my money order is in a different XXXX XXXX but it has the same name of the credit company.
Consumer complaint received 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

During a loan modification, due to loss of income because of accident, I made monthly payments of interest only to qualify for loan modification to lower payments. After 6 months of paying on time, I had to add an additional {$20000.00} plus estimated cost to loan and payment was not modified at all and full monthly payments went back into effect of about {$450.00} more per month. I don't understand why to qualify for loan modification of paying interest only on time paying roughly {$450.00} less per month for 6 months added {$20000.00} to existing loan.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

On XXXX seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, they just say that the companies are NOT reporting to them over and over. 

Spoke with each and every missing lender and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my XXXX Report