davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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. (TX)

Hello to whom it may concern I have been disputing incorrect information, erroneous in my credit report for more than 180 days I have never received the answer from any credit bureaus the results of the disputes for more than 180 days and the incorrect information is still in my credit report as my name, address, collection accounts with erroneous or inaccurate information,,, erroneous and incorrect closed accounts I requested to the credit bureaus verifying and certified the information or removed immediately and they never answered me
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

Equifax does not have a Credit file for me. They are the only XXXX that is not reporting on me. what this has done is show a " fraud '' tag on my credit report to my lender while I'm trying to purchase a house. I called on XXXX XX/XX/XXXX at XXXX CST with my lender to get this worked out because they are saying the only way to create a profile for me is for me to send them a letter through the mail with my PII in it to create a profile even though they confirmed all of my information on the phone. My lender sent a certified mail ( required signature on XX/XX/XXXX to their XXXX XXXX XXXX XXXX, GA XXXX. They received the letter on consumer side ). Equifax help desk is stating they never received it. Upon request from consumer and lender to removed the Fraud mask on reporting system and initiate a " no profile exist '' so that my VA Lender can give me a home loan, we were told that it is not possible without the mail-in. I feel that it is extremely unsafe to be sending this information through the mail when it could ruin peoples lives and they have already lost it once. Equifax customer service refused to provide a supervisor " per company policy and high call volume '', and said they could file an internal complaint for escalation. When asked what department it was going to be moved to, they would not provide a department name or details of complaint. When customer service rep was approached with sound logic of verification of ID and ran out of answers, She hung up on The consumer/lender. Consumer/ lender also sent a secure fax to their fax line that requires confirmation of response due to secure information on XXXX XX/XX/2022 at XXXX CST.
Consumer complaint received 2020-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XXXX, my loans with Navient ( at the time, Sallie Mae ) equaled approximately {$82.00}. XXXX. When I contacted Navient due to difficulties repaying my loan, they offered me a hardship forebearance. I thought this was a life-saver. I was unaware of and not offered any other options ... .This option allowed Navient to continue to accrue interest on my loan. Since I was a low paid public service worker, Navient continued to offer me forbearances until one day they told me my number of forbearances had run out. They never once informed me about any income-driven repayment plansthat would have allowed me an affordable repayment option and the opportunity to have my loan forgiven after ten years as a public servant. 

Now, in XXXX, I find myself, a single mother with a XXXX child strapped with a loan that currently amounts to {$160000.00} ... more than twice my original loan amount. Furthermore, after recently filing for an income based repayment plan, I was sent a coupon booklet where my payments jumped more than 100 %. Although my income has not improved greatly, my plan goes from {$150.00} a month to {$1500.00} starting in XXXX. I can not possibly pay this amount which is 38 % of my income based on last years tax records. And that's gross ... .NOT take home pay which is approximately a third less ... 
I am XXXX XXXX XXXX. These loans are from a XXXX XXXX XXXX program for a XXXX XXXX degree, that I was never able to use, because XXXX XXXX  failed to inform me that post-graduate courses where required for permanent certification. I was never able to afford the XXXX 's courses. As a result, I have never been employed in the school counseling field. When I initially called XXXX XXXX  I wanted to become a XXXX XXXX. They steered me toward the XXXX XXXX track as they had no openings in their teaching program at the time. They never once informed me that my XXXX XXXX XXXX alone would be useless unless I could afford additional courses, or I NEVER would have chosen that professional track and taken out student loans for a worthless degree. I did not find out that XXXX 's courses were required until after I graduated. 

Then, for years, Navient granted me forebearances ... .never once advising me of other options. Please, advise me as to what I can do. I feel as if both Navient and XXXX XXXX  did me a disservice by not giving me adequate information to make sound decisions.
Consumer complaint received 2020-12-10
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed both my checking and savings account on XX/XX/XXXX without giving reasonable notice. I called them a couple of times to try to reopen my account and ask for the reason. They said they were unable to do that and they would send me a check for my remaining balance. Then, they closed my credit card accounts on XX/XX/XXXX, once again without reasonable notice. I called their customer service and they said they were unable to provide the reason or reopen my accounts.
Consumer complaint received 2020-09-08
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. (FL)

i sent a dispute more than 30 days ago to equifax and XXXX  and neither of them have responded back. the only one to do their job correctly was transunion. by the FCRA, these companies have 30 days to respond and they have not.
Consumer complaint received 2020-09-08
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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is not fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands.
Consumer complaint received 2020-07-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SAMUEL I WHITE PC (VA)

In 2007 Samuel I White PC allowed XXXX and XXXX XXXX XXXX to misuse a poa and steal XXXX mortgage that XXXX XXXX XXXX and I had on our home at XXXX XXXX XXXX XXXX, XXXX Virginia. They stated it was a short sale. I signed paperwork that appeared to be for short sale but found out later it was sold out right for XXXX. Samuel I White PC allowing XXXX XXXX ( mother in law ) to file bankruptcy and refinance the mortgage. Hiding the assets in her name. All unbeknownst to me. I continued to pay half of the mortgage for the next 2 years. 
XXXX XXXX having multiple ( 12 ) deeds of trust on her home at XXXX XXXX XXXX, XXXX, Virginia XXXX.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MA)

On XX/XX/XXXX, I sent in a request to PNC to close my account, since they don't provide a way to do it on the website. Two months later, on XX/XX/XXXX, my account still had not been closed and I was charged a {$25.00} inactivity fee, despite having already requested to close the account.
Consumer complaint received 2018-09-21
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. (MD)

XX/XX/2018 a charge of {$310.00} from XXXX XXXX was posted to my account, my card was essentially stolen by a coworker. However even after requesting a new card THE SAME NIGHT and trying to deactivate the old one & talking to my bank ( Chase ), they claimed I was responsible for this transaction. The charge still sits on my account, 13 days later and my bank states that I need to pay for this fraudulent charge. I do not know who to talk to
Consumer complaint received 2018-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: GOLDMAN SACHS BANK USA (CA)

My CD was maturing on XX/XX/2018 I called Goldman sachs on XX/XX/XXXX to not auto renew it. they told me to call back to cancel it.

Firstly of I am telling them to cancel it from auto renew they should not auto renew it.

Now they are asking me 270 days interest penalty when I called them to interest.

they can not auto renew my cd without my instructions. This is just fooling the cuswtomer.

I have wasted so much time with the bank to do this over the phone. Can you please help me.
Consumer complaint received 2017-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I sold items online to a buyer in another state ( Idaho ). The buyer went to the bank with my information and made a CASH deposit in the amount of {$6000.00} I called the bank to verify that the cash deposit was made and that the money was posted to my account. They told me that the cash was in my account so after confirming this, I gave the buyer ownership of the items that I was selling. The next day I woke up and the money was being " held '' by the bank ( my money ) and it was not available. Now the bank says that they wo n't give me the money because the person told them that they " deposited the money under duress ''. I 'm not sure what that means but I sold an item for CASH and when the money was in my account I believed our transaction to be complete. I have receipts and other proof of this VALID transaction. THE BANK IS HOLDING MY MONEY HOSTAGE!!!!
Consumer complaint received 2018-07-16
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. (TN)

This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

XXXX late fee. Paid in full on the due date as evidenced by receipt from other credit card company which paid this balance. Have since received another bill, with another late fee on top the late fee originally charged. this additional fee was now for {$26.00}. total bill now {$51.00} consisting of fees. I have spoken to citibank, to no avail. I feel these fees are incorrect and unjust and would like them removed.. My funds are limited, and hoping for your help in resolving this issue. Thank you.
Consumer complaint received 2022-08-06
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. (CA)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2020-04-02
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. (FL)

To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

On XXXX XX/XX/2020 my sender from XXXX transferred XXXX Euros to my bank account in XXXX. 

Unfortunately she missed one digit of of my bank account. We have tried to ask Transferwise yo bounce back the money to her but till today over three weeks nothing yet. 

We feel so frustrated by transferwise bearing in mind the sender is a bit aged and tired to keep following. 

It is illegal for them to keep that money for all that time. Kindly help
Consumer complaint received 2020-07-07
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

Received a letter from Hunter Warfield dated XX/XX/18, addressed to my work place not my home, confirming that they had received my claim of fraudulent ( which I was not aware that I had filed ). They requested that I provide them with certain information, cop of ID or valid driver 's license etc ). I called them and went through several departments. finally got connected with a support Dept. and the person wanted more information again, which I did not provided. I questioned the fact that the letter was sent to my place of business/work and all of a sudden got disconnected. I am afraid this company is fishing for information and uses fear tactics to get information. I don't know whether they are using it for ID theft or anything else.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. ()

At the beggining of this year, XX/XX/XXXX, my parents started to receive credit card statements under my name from Citibank. On these statements, they indicate that I made a purchase at XXXX for {$210.00}, but I never did. 
First of all, I never got the credit card related to this purchase. I was client from Citibank about 5 or 6 years ago. I got two credit cards and loan at that time and I always paid all my doubts on time. I never renewed the credit cards that have already expired. 
Nowadays, I'm living in XXXX. The last time that I traveled to USA it was in XX/XX/XXXX. I've called the bank several times to explain this but they insist to send the statements and harass my parents collecting a debt that is not mine. 
Please help me to solve this problem.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (IN)

I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours.
Consumer complaint received 2020-07-04
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. (TX)

Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days
Consumer complaint received 2017-08-11
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: CITIBANK, N.A. (CA)

I initiated a dispute in XX/XX/XXXX for a fraudulent purchase on my credit card ( CITI ) for {$170.00}. The purchase was made online with a company called XXXX. The product I did not order arrived at my address. First of all, Citi failed to notify me of any resolution to my dispute via mail or phone. I contacted Citi when I saw the {$170.00} charge back on my account. It was explained to me that I am responsible for that amount because the product ( that was purchased fraudulently ) arrived at my address. I tried to work with Citi and contacted XXXX. Their reply was simple, they are not responsible for fraudulent activity used to purchase their products and would n't even provide a return label to send the item back. After receiving an electronic copy of the investigation that Citi performed for my dispute, I contacted them letting them know that the phone number, IP address, and email address, that they used as evidence to show that I am responsible for the charge, was incorrect. The only response I am getting from Citi now is that the case is closed and there 's nothing they can do, I have to pay the charge. Why is there no appeal process and why was the decision made so quickly and without contacting me to verify my information instead of assuming that it was me and holding me responsible for a purchase I did not make?