davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-24
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)

This complaint is regarding closed XXXX XXXX account no.XXXX. 
It has been disputed twice yet it comes back verified or updated from all 3 credit bureaus. 
Sometime ago I spoke with a XXXX  XXXX employee in XXXX even though I am quite fluent and educated in English.The gist of the conversation was that I had a card that had been fraudulently used by others or skimmed.Per the conversation, the card was closed and the debt was paid by XXXX XXXX and another card was to be re-issued and mailed. 
Instead the card did not arrive and my credit was damaged as if I had been the thief or fraudster.Instead my otherwise unflawed credit has been and continues to be damaged by this illegal fraudulent credit reporting regardless of credit bureau disputes.This grievous unconscionable behavior not only damages me but also the known forthright founder XXXX XXXX, CEO who built a small company into a the 10th largest bank in America.I 'm sending him a copy of this. 
I myself am wealthy, all properties owned outright, a large income until death and my children won't have to work as hard as I did.I 'm fighting XXXX and trying to get my family ready.I have to deal with your errors because the world requires it.If my wife 's credit was not good I might be in trouble with endless treatments to beat the XXXX which I shall.But, I will not permit XXXX XXXX to harm me without a fight.Do not call me I will be on vacation for two weeks.Send a fraud statement if you must, I'll sign with notary.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NJ)

This bank is being run by some of the most unprofessional clueless idiotic folks ever. Calling them is like banging your head against a thick wall of stupidity. 

They have replaced their XXXX account fund transfer service with something that doesn't work at all. I had about XXXX accounts linked with the previous service and these morons deleted every single one of them forcing me to re add everything. And this new service is utter garbage. There are 2 options One option is to use plaid and give up your credentials. Even if I am willing to do that, you have to try multiple times and it might work in 1 out of 5 times at best. And you know how good $ XXXX is with keeping any credentials safe The second option which I always preferred is to use the trial deposit method. Since they moved to this new service, this option has been hopelessly broken and has never worked. And when you call them to ask about the error, you get totally stupid random answers. 
Their stupid website asks for all the details of the external account and then asks you to enter your full debit card number and PIN number and them tells you it is going to send trial deposits to the external account and then gives you this stupid " XXXX '' error. And then it logs you out of the $ hitibank website. Please see the attached pdf print out of this error. 
These are some of the reasons their idiotic agents have given me including some of their supervisors ( XX/XX/11 XXXX XXXX. 
- There is an issue with the browser. Try a different browser - There is an issue with the browser. Delete all cookies and try again - There is a technical bug with the website that they are working on fixing - There is a technical maintenance going on, please try again later - There is a restriction on your account, we need to transfer you to a different department. 
All they do is transfer you around and give you stupid excuses, they have no clue what they are doing. 
Just spoke to a supervisor who told me that the issue is with the external bank without even asking me which bank account I was trying to link. I have about XXXX other accounts and not a single one of them has worked with $ shitbank 's trial deposit method. It is such big waste of time as it asks for all the information and then says it is going to send trial deposits and then shows the same stupid error no matter which external bank you are trying to link with. I can take this non sense anymore. 

As I was typing this complaint, I got hold of someone sensible ( XXXX XXXX who confirmed that the " XXXX '' error is an issue on $ XXXX 's website and they are still working on fixing that. And it took an hour and arguing with layers of stupidity to get that simple answer. 

I asked XXXX to file a formal complaint against XXXX who twice told me the opposite, that the issue is with my external banks. Here is the reference number for that complaint XXXX.
Consumer complaint received 2022-10-11
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: NCS, Inc (IA)

Noll collections, and XXXX XXXX  are violating my rights under the no surprise act of 2022. 

I have medical bills that out of network provider is attempting to charge me with out my authorization.
Consumer complaint received 2021-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On [ XX/XX/2021 ] I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Consumer complaint received 2021-01-07
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I went to buy a XXXX XXXX about a year and a half ago. They pitched me the Best Buy credit card. Said I can apply and I will have 12 months no interest. Okay perfect. They did not say if you have more than one purchase your payment will be spread among all of them. Making it impossible to pay of the first purchase. Also they did not tell me that at the end of the 12 months all the interest from the year will be put on the bill. I went from {$1000.00} balance to {$1600.00}.
Consumer complaint received 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

My mortgage provider, XXXX XXXX XXXX, sold my mortgage to a new provider, mr cooper ( Nationstar Mortgage ), effective XX/XX/XXXX. The transfer process allowed the autopay process to transfer to the new servicing company. The new company, mr cooper, took out twice the amount they were allowed per loan agreement for XXXX. After contacting mr cooper about their error mr cooper they subsequently increased my principal & interest ( P & I ) portion of my payment to 10 times the amount shown on the loan agreement I had with XXXX. I again contacted mr cooper about their error, confirmed they had all supporting documentation including loan papers, payment history, and statements from XXXX. The Mr cooper representatives I spoke with all confirmed they had the information and agreed there is an error in their system. I received notice that my request to correct the error was being transferred to another department within mr cooper ( XX/XX/XXXX - date of verbal notification ; XX/XX/XXXX written notification ). I get daily emails and other notices that tell me I am overdue on my payment but no updates on when or if they will correct their error.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (PA)

my address on my report are wrong XXXX XXXX XXXX XXXX  Ca XXXX i never lived in california alos this address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the hard inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/22, there were 18 fraudulent withdrawals made on my savings account from two Chase branch ATMS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) 8 withdrawals of {$20.00} each 4 withdrawals of {$40.00} each 4 withdrawals of {$100.00} each 1 withdrawal of {$200.00} 1 withdrawal of {$500.00} Total : {$1400.00} I immediately reported these transactions as fraud to Chase that same day ( I am a customer ) I also filed a police report with the XXXX Police Department. Chase denied my claim, as according to their records, the transactions are listed as coming from the XXXX XXXX on my phone. I was home that entire day with my phone and debit card and have never lost or had my debit card or phone stolen, nor have I knowingly given anyone else the log in credentials to my phone or debit card info. 

I have worked with Chases complaint escalation department and they continue to refuse to refund this money. I have also gone into the branch at XXXX XXXX XXXX XXXX and had the branch manager speak with them. Chase has also have refused to review the surveillance footage ( that they own ) from their ATMs where this theft occurred. They have told me I need to work externally to get access to this. If they reviewed the surveillance footage they would see that it wasnt me who made these transactions.
Consumer complaint received 2022-04-15
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. (AR)

I am a victim of identity theft. I have summitted disputes to the credit bureaus about fraudulent activity on my credit reports. I have not been shown any proof that these items were done by me. I have not seen any contracts or signatures. I want these items removed immediately.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Equifax is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX Equifax Mortgage Serv XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on Equifax XXXX and XXXX that I would like removed from all of these bureaus
Consumer complaint received 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (WA)

I was added as an authorized user on my Husband 's citicard. We have been divorced since XX/XX/2018. I called Citi XX/XX/2018 and asked them to remove my name as an authorized user, and they refused to remove me. They said I needed to have my ex husband remove me as an authorized user. My ex husband refuses to do this and I have continued to try to get him to. His spending and bill pay habits are negatively affecting my credit score and I would like them removed.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Sometime in XXXX, 2021, I apparently created a TransUnion account with my credit card information on it. I was misled into paying for their services, unknowingly, until today, XXXX, XXXX, 2021. Every month since XXXX, 2021, my credit card was charged {$24.00} and I did not catch this until today. When I called to cancel my TransUnion account, the person I spoke with refunded me for two ( 2 ) months of charges. The refund was appreciated, but I am still very upset that I was essentially being scammed for over half of the year. The customer support person from TransUnion said that I signed up to recieve a " free credit report '', but I must've " accidentally checked a box '' for a subscription. I would have never signed up for their credit monitoring services, so this makes me very upset.
Consumer complaint received 2021-01-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank Financing. I spoke with a Chase  rep on XX/XX/XXXX who offered me until XX/XX/XXXX ( car note due date ) to make a payment on my loan which would have made me eligible for a forbearance where the 2 missed payments are placed on the back of my loan. She stated the payment must be made on the XXXX otherwise it would roll over into next month 's payment and the forbearance would not apply. She acknowledged I had good history with making my car payments until recent. I agreed to make a {$370.00} payment on XX/XX/XXXX via online payment to qualify for the forbearance. Instead, on XX/XX/XXXX, I received a notice that Chase had accelerated the loan and was demanding full payment. On XX/XX/XXXX Chase locked my loan account so no payments could be made online and it remains locked to this day. They demanded full pymt via a branch or XXXX XXXX which is ludicrous considering Covid. I have a recording of the call which Im sure Chase does as well. 

Not sure if this was suppose to be a scare tactic but it is very aggressive and shady behavior which may also be motivated by prejudices against minority customers. Chase is attempting to force a repossession instead of following through with special lending options meant for all debtors. I should not carry the burden of the Chase representative giving misleading or bad advice ( if that was the case ). 

Please note : no correspondence from Chase provides a full accoumt number but I have provided a notice with some PII to search my account.
Consumer complaint received 2022-10-12
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 it also says a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-31
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: SYNCHRONY FINANCIAL (TX)

I am the owner of 3 small assisted living facilities in XXXX XXXX, Texas and I am forced to purchase appliances with alarming frequency. All my purchases were bought from XXXX/Synchrony Bank. On XX/XX/XXXX I bought an electric dryer for {$1800.00} from XXXX/Synchrony bank. I was given 36 months no interest on account invoice # XXXX. I never requested nor was I ever given a Credit Card but this account number had been used for all previous purchases. I made monthly payments of {$150.00} from XX/XX/XXXX via my security service acct. Paid acct in full on XX/XX/XXXX. In XX/XX/XXXX I  received credit card by mail # XXXX, noticed monthly payments of {$150.00} being put on this new card along with late fees, interest charges etc. Card was never activated. Called XXXX and in spite of my protest they insisted that I called in a lost card, so they sent replacement. They refused to merge the 2 cards into one and continued to report to Credit bureaus that I am now 180 days late on payments. I sought services of XXXX/XXXX  of XXXX XXXX ( see letter of XX/XX/XXXX ) to Synchrony Bank, but got no favorable response. Received statement from Synchrony dated XX/XX/XXXX with new escalating balance owing in the amount of {$890.00} and a new account # XXXX assigned to my account. No new Card was received. Clearly, this company is practicing Credit Card Fraud and has singlehandedly ruined my superb credit. Apparently this devious company has no intention to correct this complex situation. I am unable to obtain credit to build a new assisted living facility. I am a XXXX XXXX  who provide XXXX XXXX XXXX to the XXXX and infirmed through State Funded Programs. Bought a 2.3 acre property to build an up to date spacious facility for my elderly residents. We are now crammed in 3 small homes and the residents pray each day that Synchrony Bank can resolve this issue so that they can live out their last few years in comfort.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Creditrepair.com, Inc. (NJ)

I was a client for 4 months at {$100.00} per month, Was not getting results. I called to cancel. They agreed to let the dispute letters outstanding work through and offered no monthly fee for 2 months. 
Then they charged my credit card {$59.00} on XX/XX/2019. 

I want to cancel my account and a refund of the {$59.00}.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WV)

Jefferson Capital would non stop call in regards to a disputed debt that occurred with XXXX XXXX over 2 years ago.I told XXXX I was going on XXXX overseas and to put a hold on my account. XXXX never put a hold on my account and immediately threw it into collections while I was XXXX. They damaged my credit and refused to correct it even though it was a violation of the Servicemember Civil Relief Act. Eventually the credit bureaus dropped XXXX derogatory notes after disputing them. Now XXXX ofXX/XX/XXXX Jefferson Capital decided to pick up this debt and won't stop calling me and hit my credit every month with a derogatory remark of past due.
Consumer complaint received 2021-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

what the XXXX is going on? on XX/XX/2021. I sent you a letter regarding these inaccurate things on my credit report but to this day over 45 days already, I still got no response. I was told that the FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor get any response. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2021-01-07
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 Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NJ)

At the end of XX/XX/2020, I went through the lengthy time and trouble of setting up an online account just so I could use the Wells Fargo Bill Pay system and pay ONE STINKING bill every month to XXXX and maybe one other monthly payment. After setting up XXXX as a payee, I tried at least five times to make a payment but the Wells Fargo system keeps insisting on sending a TEXT MESSAGE to my phone. I do not have a phone that accepts text messages as I am on a fixed income and the Consumer Cellular plan I have provides voice calls only, no text messages. However, in addition to my cell phone, I have a landline phone which Wells Fargo was able to call and verify when I originally set up my online access. 

I have called Wells Fargo customer service numerous times and they were unable to help. They actually escalated my complaint to a Complaints Specialist and he provided no resolution and also left me a phone number to call him. I have tried at least 10 times to call the phone number and the phone number does not exist in their system. So, Wells Fargo manages complaints by giving out phone numbers that do not exist so they are a bunch of liars. I am including a copy of the Wells Fargo response with the phony phone number. 

In addition, the requirement to receive a text message prior to making a bill pay payment is DISCRIMINATORY. They are discriminating against older customers who do not have access or the ability to pay for this kind of technology. Discrimination is illegal and Wells Fargo needs to be stopped from perpetuating a practice where they decide who and who can not transfer money and use their services based on technology which is still not available to all their customers.