davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (AL)

I have reached out to Equifax on several occasions about a bankruptcy and a collection on my report from XXXX XXXX XXXX. I have sent them proof that I have reached out to XXXX XXXX and they have yet been able to send any proof that this collection is mine, yet Equifax still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.
Consumer complaint received 2020-10-19
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. (KS)

I have 2 XXXX  XXXX credit cards that I have been paying on in full each month and they have only been reporting one of the cards and not my other card. They sued me for an account that wasnt mine and but cant report a valid account that is mine.
Consumer complaint received 2021-09-01
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. (DE)

XXXX  has not done a legal and thorough investigation into their errors in reporting. They really have failed the American people. I really would like them to send you or show you the certified and validated motorized report from their data furnisher. They initially claimed that XXXX was their data furnisher nad I contacted XXXX who later assured me that the information they have can not be verified, validated and so they were removing it. Why would XXXX  want to hold onto the reports just to continue disadvantaging me? This issue has not been resolved thus, must not be closed. The investigation is incomplete.
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

I have opened Citibank checking and savings accounts in XXXX, 2020 on the Citibank advertised promise to pay me {$700.00} bonus, if I keep {$50000.00} for 60 consecutive calendar days. I have fulfilled this condition. However, after the 60 days my both accounts were closed by Citibank initiative. When Citibank had warned me that my accounts going to be closed. I have contacted their customer service and have asked them not to do this. I have told to the customer service that I did not made any transactions on the accounts except the initial deposits and did nothing else, and so do not assume that anything wrong was done on my side. I was promised by the customer service representative that my accounts not going to be closed if I do some other transaction. I was also told that the promised bonus of {$700.00} will be paid to me in XX/XX/2020. I have made the additional deposit ( s ) to my accounts. Still my accounts were closed and I didn't receive the promised bonus. I have contacted the Citibank customer service for the explanation of my fault, but no explanation was given and the address to make a written complaint was as well refused. I have saved my Citibank online chats with their customer service representatives and attach them here. BTW, the Citibank continue to advertise the same bonus ( https : //banking.citi.com/cbol/checking-700/default.htm ).
Consumer complaint received 2022-01-06
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. (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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services (VA)

I received a 2-page letter from XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/2021 regarding a claim about a XXXX XXXX XXXX vehicle that I had rented in XX/XX/2021. I never received a validation of this investigation or claim by XXXXXXXX XXXX XXXX 

It is now my understanding that XXXX XXXX XXXX has refused to validate this claim, but to forward it to another debt collector, Viking Client Services under the same claim number.
Consumer complaint received 2020-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Profit Services Group (PA)

Inaccurate false items stopping me from employment please remove update COLLECTIONS Profit Services Grou Opened XX/XX/2019 - {$770.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$770.00} Highest Balance {$770.00} Opened XX/XX/2019 ( 1 yr, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX my Chase Amazon credit card was charged {$490.00}. for gift cards from 4 different places. XXXX, XXXX, XXXX XXXX, and a place called the XXXX XXXX XXXX. Amazon sent me an email about a possible fraud alert for this transaction. I called and all the transactions were cancelled. I have emails confirming this. I called Chase and cancelled my Amazon credit card as it had been compromised. They issued me a new card to replace the one compromised. The first statement for the new card there appears the {$200.00}. charge for the XXXX XXXX XXXX that was canceled from the previous card. I immediately called Chase Bank and explained that we did not make this transaction. I then called the XXXX XXXX XXXX  and informed them that this is a duplicate of the previous transaction I disputed a month ago. They checked into it and sent me a email stating that the charge was refunded and I should see a refund on my next statement. I have been disputing this monthly with, and even sent them copies of, my cancellation emails from the company, and to date the refuse to issue me the credit for {$200.00} I do not know what else I can do I have all the proof that that the company sent me but Chase Bank still refuses to show the credit on my statement. Can you help me get this resolved once and for all?
Consumer complaint received 2021-05-21
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. (NY)

On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2018-07-20
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: LEXISNEXIS (IL)

I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Consumer complaint received 2020-10-18
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. (AL)

Equifax is showing duplicate reports for the same account Alabama state XXXX is reporting twice on my credit report for the same account and both are reporting incorrect balances I have disputed these accounts several times and also sent proof that they are reporting incorrect and each time they still say they are verified
Consumer complaint received 2020-11-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE (AZ)

I received notification from XXXX XXXX on the XX/XX/XXXX that I was reported 30 days for a credit card I haven't used in over a year. 

I received a letter this summer that Barclays was cancelling my credit card due to inactivity if I didn't respond in 15 days. I assumed my credit card was cancelled which was fine as I don't use it. On the XX/XX/XXXX I was reported 30 days late due to an annual fee that was charged on XX/XX/XXXX. I didn't receive any notification by mail or calls to let me know I was past due. Once I found out I paid the bill so I wasn't reported late. They also had sent me a new credit that I have never activated. I called them to remove the late and they said they can't because I was late. It was a card that has had a XXXX  balance for over a year and I have been with them for over 4 years with zero lates. I think it's unfair to report me late for an annual fee and it dropped my fico score 100 points. Again, I called them and no help at all.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (OH)

During the nationwide shutdown of COVID-19 I inquired about a deferral payment plan that would put my principal and interest to the back of my loan. After two months of this I never received any paperwork. I have called Key Bank 27 times during this process trying to make my payments. I have been receiving paperwork in the mail stating Im behind my payments. I have had local representatives come to my house to collect. I have recorded calls that I have been trying to make payments and pay all of my insurance and taxes in full. Key bank keeps telling me that the paperwork isnt going though. Every time I call I get a different answer. I am now dealing with a XXXX XXXX. XXXX He has assured me that this will be taken care of swiftly. He has promised to call me back. None of this has happened. I have called and left messages. I have emailed several times. He will not contact me back. I can not get anywhere with them. I have been trying to make payments for 6 months now. Key bank has also put negative impacts on my credit file. I have offered to pay all taxes and insurance up to date and can not get anyone to accept my payments. I do now know what more i can do.
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: U.S. BANCORP (AZ)

I notified US Bank on more than one occasion about my serious health problems and asked them to work with me as I was fighting for me life. The agent always seemed willing to work with me on trying to keep me current on my mortgage. it wasn't until recently when I applied for a new mortgage that I found they did not keep their word. They had stated the would add payments to the end to cover XXXX and XXXX of XXXX  and show me current.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (FL)

The year XX/XX/XXXX-XX/XX/XXXX Dept of Education paid {$9400.00} to XXXX XXXX College. At the time this school has been convicted of committing Fraudulent activity. At the same time I attended XXXX XXXX College someone in there Financial aid department received a pell grant from XXXX XXXX OF XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NV XXXX-XXXX. When it was brought to my attention I automatically applied for Loan  forgiveness with XXXX XXXX  on XX/XX/XXXX ( my application number is XXXX ) which is still pending I was also informed to notify my loan services Great Lakes Borrower and they did nothing about it. I told them I was a victim of fraud through an institution who was shut down due to fraud and they are still trying to hold me accountable for XXXX plus interest. I have disputed this and reached out to them several times and nothing. I even provided them with the XXXX XXXX of XXXX number and address and it was phony too. My loan serviced did nothing even XXXX XXXX still has my application as pending because it is being investigated!
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I received a notification of a Collection Account on my credit report by Jefferson Capital Systems , LLC for {$340.00} this year from XXXX XXXX. I have not had a XXXX XXXX account for years, however as soon as I received that notification, I contacted the CEO 's office at XXXX XXXX. I told them that I did not owe this amount, that it consisted of charges that I never agreed to and that I had repeatedly told them that it was incorrect. The person I spoke with at the CEO 's office said 'Just a minute, I think I have a copy of your contract ' and then she got back on the phone and stated that there was no contract proving that I owed this amount. Therefore, I disputed this with the three Credit Reporting Bureaus ( XXXX, XXXX and XXXX  ) online and I stated that these were Fraudulent Charges and that I wanted to see a Signed Contract and for the Debt to be Validated and Verified, and that if that could not be done that it should be removed from my credit report immediately. All that happened is that I heard back from the Credit Bureaus, online, with nothing in writing and nothing by mail, that Jefferson Capital had responded that the information was correct. I want to see a Signed Contract, and I want the Debt to be Verified and Validated, or for this collection account to be removed from my credit report with all three Credit Bureaus. I am XXXX years old and my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues and this is exacerbating my XXXX and is harassment.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or  deleted immediately : 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 2020-11-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I consolidated my all student loans in XX/XX/XXXX with the Department of Education. 
I had a loan with a private lender NELNET from my XXXX degree in XXXX. My original loan with them was $ XXXX and now it is close to $ XXXX. This lender was able to add 2 more subsidized loans when they found out I was consolidating all my loans. Now I have two separate loans one consolidated and 2 added ones for {$2100.00} each ( {$4300.00} total ). I do not want to keep in business them, they are trying to keep me as client and if I try to pay this off they will keep adding charges.
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (KY)

To whom this may concern : I am having an issue with XXXX XXXX requesting my title, I contacted them and spoke to XXXX whom stated to fill out online email that I need copy of the title to do state to state title transfer. I submitted it and now called a month later and was told it was rejected. Now I need do start the process over with another set of guidelines and only have a couple weeks to get this resolved since my vehicle reg. expires. No one called or emailed to let me know the issues. I just spoke to XXXX a supervisor who stated good luck here is another set of documents needed. I asked to speak to a manager over titles to advise of my situation she refused said no. No customer service .....
Consumer complaint received 2020-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I tried to log into online banking this afternoon and received a pop up that my account had been locked because of suspicious activity and I'd have to call them to unlock the account. I was never notified that my account had been locked, and was very inconvenient because I was logging in to check a transaction. I called them and waited on hold for over an hour before finally received an automated message saying they were unable to take my call at this time and to call again later.
Consumer complaint received 2018-10-03
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. (CA)

On-Site Manager c/o XXXX ran a credit inquiry without my consent. I reported it to Equifax and XXXX about the fraud, none of the two companies are willing to do anything nor can they supply proof that my identity was not stolen. XXXX has given up in helping and they are the ones that ran my credit. The address they used for the credit inquiry was also closed, so my information is being misused. I am requesting CFPB to send an inquiry about this. There are also other customers complaining about the same issue with them online, I would like to get some help.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (MS)

My identity was stolen on XXXX/XXXX/2020 by someone that I was dating for XXXX month. While I was sleeping they transferred {$1300.00} through my XXXX to someone that I dont know. This person that stole the money hacked into my phone and changed my PIN number to my account and sent the money. My chime card was attached to my XXXX and they person that stole the money did test transactions to see if the money would go then transferred the rest. I contacted my local police department, Chime, XXXX and filed complaint with all 3 credit bureaus. Chime and XXXX basically said that the transaction wasnt in error even though I sent them all the information from the case. When Chime tried to get the money back from XXXX thats when they closed my account and stated that I violated there policies. Chime based there decision on where my card was located and where my PIN number was located. They didnt even look at the police report nor the information from the credit bureaus.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

So Ive had two issues with netspend. The first issue I used my card at XXXX XXXX for a incidental deposit on the XXXX and the XXXX of XXXX. They refused to release The money back to me if I did not have proof that the hotel was not going to charge the card any more. Yesterday XX/XX/XXXX I got documentation from the hotel and emailed it to them, today when I called they said that the information can not come for me it had to come from the hotel, so the hotel manager faxed them the information. I called them back and they said that they could not except that becouse it did not have transaction breakdown on it. I explained to them that was because I paid for room through XX/XX/XXXX and didnt charge anything to rooom so there were no charges from hotel. They then told me that they had to hear it from hotel. The manager and I called three-way he explained this they still did not release the money they said they can not do it without a breakdown of the transaction history. 

About three hours later I called to check the balance of my XX/XX/XXXX card. The automated service told me that this was not a working card and connected me to the customer service the customer service agent then told me my card had been blocked. They could not give me information to why my card was blocked, then informed me that the money on the card could not be retrived. They told me that I had to purchase a new car and start another account. 

Nothing about this sounds legal I dont understand how they could block my card without my permission and keep the money that is on the card and not allow me to have it I dont understand how they can Refuse to release the money back into my account after the manager sent them the pro folio from my account at the hotel. 

I Really like some advice on how to go about getting my money back from them and holding them responsible. I want to take legal action against them