davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
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)

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was told that the reason I was denied was that there were two accounts in negative standing appearing on my credit. The account names are XXXX XXXX XXXX for an amount of {$280.00} and XXXX XXXX XXXX XXXX XXXX for an amount of {$980.00}. Neither of these accounts belongs to me ; I never signed any contract or agreement with these companies and I never allowed them to run or access my credit file. I don't know who could have opened these accounts in my name because I have never allowed anyone to open an account on my behalf. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit nor did I make any payments towards these accounts. I have already filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAY LATE - XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-02-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (NV)

I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (GA)

Money was diverted from my unemployment benefit payments to routing number XXXX account number XXXX I do not own that account, and I have never banked with M & T. 
Someone diverted my unemployment direct deposits to that account and M & T will not take a complaint or make an effort to explain how this happened. 
My Name is XXXX XXXX XXXX number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-04
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)

I XXXX XXXX sent disputes via Equifax on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022 along with the ftc report and along with ID, Ssc, to remove fraudulent accounts and inquiries that are on my credit report due to ID theft Equifax didnt any investigation closed the investigation with any explanation or documentation of proof of proper validation with my signature, I am victim of Identity theft and Equifax isnt honoring non of documentation even tho it is valid documents I am asking that the cfpb investigates this because this has been a on going issue that I have with Equifax several times I have sent proper documentation and they dont remove or do anything at all I have filed several complaints with cfpb in regards to this issue and nothing is being done about it, prime example I dispute information send proper documentation the investigation is closed the same day it is opened or a few days after it is open I would like for something to be done about this or I will be forced to take proper legal action
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I became aware of unauthorized withdrawals from my reliacard account on XXXX XXXX, XXXX. Called reliacard and explained situation and old card was deactivated. I have made numerous attempts to settle this matter and am not receiving " real '' help, just a run-around. I finally received a new card and can not activate it because of " ID verification '' ''. I have sent what is required to verify 4 times so far. Now they want me to do it again, a fifth time. I'm at wits end and need help with this issue as I am just being played with at this point. I am XXXX and need this money to survive
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK ()

On the XX/XX/2018 I made a purchase for XXXX on my discover card XXXX XXXX music which was declined and I then pay with cash .but the fund just disappears from the card. At one time the funds was showing on the account as pending and then its disappear but the funds are not on card. I called several times to discover and the merchant but nothing was being done. Every time funds just disappear from the account I called several time and talk to the supervisor and customer service and they are saying the the funds will show up the next business day, but no funds never show up on the account. I do hope someone could help me with this matter as soon as possible. I am sure There are many innocent people out there who are being rip off by this company and didnt knew.
Consumer complaint received 2021-10-31
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: EQUIFAX, INC. (MD)

I the federally protected consumer. notices multiple unauthorized account and inquiries. I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by XXXX. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. The court stated that they don't report to consumer reporting agencies regarding bankruptcy information. Pursuant to 15 U.S. Code 1681b permissible purpose with not given. I do not consent to XXXX XXXX or XXXX  verification or validation. Failure to remove the unauthorized alleged accounts will result in civil liable pursuant to 15 U.S. Code 1681n, {$1000.00} each violation committed.
Consumer complaint received 2020-10-24
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. (NY)

EQUIFAX - Is not fixing the Dispute as I requested on several of my Credit card accounts. 


I DID NOT DISPUTE THE ACCOUNTS, and Yet The Statement : " Consumer Disputes This Account '' is on several Credit Card Accounts ; XXXX and XXXX XXXX and others.
Consumer complaint received 2021-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (FL)

I started school back in the late 90 's, it took me over 13 years to finally complete my Bachelor Degree as I was working two jobs and attending school part time off and on. I have been a single parent since 2007, I have worked 2 to 3 jobs at a time to make ends meet so I had to keep deferring but I finally have a job where I can afford about {$200.00} a month to start paying back my student loans.

( I used the maximum amount for my Bachelor which is XXXX and I took only two semesters toward my Masters ). 
Now that I am able to pay my loans back, my total amount due is {$170000.00}!! I emailed Federal Aid and told them there must be a HUGE mistake because I only borrowed about XXXX and they wrote back and told me the interest has been accruing daily for {$25.00} per day. So, I have {$100000.00} in interest which makes my payments about {$900.00} a month! I also saw on my portal that if I pay off my loans by XXXX, then I will have paid over {$300000.00} for my Bachelor Degree! I am literally sick over this and not sure where to turn because I don't want to have my wages garnished and a lien on my home I have worked so hard for. I worked for XXXX XXXX XXXX for 16 years and I didn't even know that the interest would amount to this much! Please help me. : (
Consumer complaint received 2018-02-26
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. (MS)

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (OH)

On XX/XX/22 I received the following text message from phone # XXXX : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never heard of this company and do not have any outstanding debts that would have gone to collection. This may be a phishing attempt, and not really from the company indicated ( CBE Group ), or it could be an identity theft issue. I did not call or text them back in case it was a phishing scam attempt.
Consumer complaint received 2021-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

Received credit card bill Previous Balance : {$20000.00} Payments made prior to the Previous Balance Due date {$31000.00} New Balance {$7800.00} Included interest charges of {$180.00} based on one XXXX cash advance of {$300.00}, of which {$170.00} in interest charges was for Standard Purchases. 
In addition, there was a {$15.00} XXXX fee and {$2.00} interest on the cash advance imposed by Citi. 

Citi Supervisor on XX/XX/21 at XXXX XXXX  XXXX advised that they charge interest based on the average daily balance anytime there is a Cash Advance - ie XXXX. 

The " About Interest Charges '' included on the billing statement : " How to Avoid Paying interest on Purchased. .. We will not charge you interest on purchases if you pay your monthly Flex Plan Payment Amount ( if any ) plus your New Balance, excluding any Citi Flex Plan balances, by the due date each month.... We will begin charging interest on cash advances and balance transfers on the transaction date. .. '' Nowhere does it state that Citi will charge interest on Standard Purchases based on the average daily balance for the billing cycle if you take a Cash Advance.

I asked for where it states that in the contract. Supervisor XXXX started making up language that does not exist, such as stating the About Interest Charges read, " We will charge interest once you take a Cash Advance based on your average daily balance. '' I asked to speak to his manager and was told that his manager is XXXX and XXXX is not working tonight.

I am asking that the {$170.00} interest on Standard Purchased be reversed.
Consumer complaint received 2020-07-01
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: CORELOGIC INC (TX)

I reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On Tuesday, XX/XX/2022, I purchased an airline ticket from XXXX XXXX through XXXX XXXX, which is connected to my citizens bank account. There was a hold placed on my XXXX $ and I never received a ticket. I called both parties and they both told me that there was nothing they could do and to contact the other party. I told them that I would file a complaint and they told me that thats what I would have to do.
Consumer complaint received 2022-12-17
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: SYNCHRONY FINANCIAL (TN)

I bought a guitar on XX/XX/22 from XXXX using my PayPal Credit account. A few days later, I received a keychain in the mail and not the guitar that I ordered. 

I requested a refund from the seller but he denied my request. I tried to get in contact with XXXX for around a week via email since they have no phone support with no luck. So I ended up opening a dispute with PayPal and PayPal Credit. 

Eventually XXXX said they would issue a full refund, but I would have to close the disputes. I tried to do so, but PayPal and PayPal Credit still to this day XX/XX/22 will not close these disputes and still no refund.
Consumer complaint received 2018-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Payment made on XX/XX/2018 to mortgage company in the amount of {$1800.00}. This payment was for the due date XX/XX/2018. This payment was credited to XX/XX/2018. 

A mortgage servicer took over the mortgage. 

The payment due XX/XX/2018 was made on XX/XX/2018 to the mortgage servicer in the amount of {$1800.00}. The mortgage servicer credited this payment to XX/XX/2018. 

Numerous attempts ( 13 phone calls and 3 emails ) have been made to get the servicer to apply the payment made on XX/XX/2018 correctly. To date, they continue to say " it is being researched ''.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NE)

This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. 

To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. 

Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. 

I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. 

But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end this?
Consumer complaint received 2018-02-25
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: FORD MOTOR CREDIT CO. (GA)

We wrote to your agency in the past and the File was Closed then a Survey was ask to rate what happened. The Should not have been closed as we went to Court with Ford and Ford 's Attorney Withdrew the Complaint and Fails to comply with correcting our Credit Reports and sending us our Title. The Motor Company had ruined our Credit for ten years or posting and payment error presented in court. When it came Court Decision time Ford Withdrew their Complaint and Refuses to Correct our Credit Bureau Reports and send the Vehicle Title.
Consumer complaint received 2021-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 I was offered a quick turn around on an investment. Im starting to learn about investments so I figured it was a good deal. XXXX and Ill get XXXX, XXXX. I was later told that ill need to send them an additional XXXX to cover taxes it was then that I knew I was being scammed. The amount was still on pending and I immediately called Chase bank and they said that there's nothing that could be done. I hung up and called again and was offered technical support to see If they could retrieve the amount back into my account and they said once I hot sent that was it, money was lost. 

The person hacked into my XXXX account and changed my email and password and phone number so now I can not access my account.
Consumer complaint received 2020-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

I applied for and received an education loan from XXXX Bank in the amount of {$18000.00} on XX/XX/XXXX. When I received the loan I paid {$1600.00} for an " XXXX XXXX ''. The terms were {$300.00} per month for 240 months beginning in XXXX, XXXX, when I would finish school. Due to a hardship, I was unable to complete my education then and found that my loan was transferred to American Education Services, that managed the loan instrument of XXXX XXXX ( see statement attached ). Once the loan was transferred a new balance of {$22000.00} was assessed. In summary, I have been paying on the loan for 13 years at {$170.00} per month. That equates to about {$27000.00} paid to the company and I still have a balance of {$12000.00}. I was young and naive and desperate to get funding for college. I was gullible enough to be victimized by a company that took full advantage of me and still is. 

Currently I have a wife and XXXX toddlers. I am struggling to make ends meet during these challenging times so I decided, today, XX/XX/XXXX, to call the company with hopes of negotiating a payoff that is reasonable and fair, considering the amount I have exorbitantly paid through the years. I spoke with a young lady who was a representative and told her what I wanted to do in terms of renegotiating the loan for a lump sum payoff. She told me her computer froze and she needed to transfer me to someone else. She transferred me to a loan officer, much older, named XXXX. When I presented my case to him, he told me I had no choice but to adhere to the terms since the private lender requires that. XXXX prefaced that he was only the loan officer and had no control over the terms. I told him to put me in touch with somebody that could consider my request. XXXX talked around it and repeated that the private loan company will stick to the terms. I asked him who is the private loan company. He replied that it was " Southern '' and that he could not pull it up on his screen and had to go to another window. I said fine. XXXX then said you aren't the only one who has asked me that question. He put me on hold and after 10 minutes did not come back on the line. I know it does not take that long to provide me with information about a loan company that he does business with on a daily basis. 

I would appreciate your intervention and helping me to either negotiate the terms I offered or connect me with legal counsel that are experienced in this matter. 

Thank you. 

The name and contact info of the company : American Education Services XXXX, PA XXXX XXXX
Consumer complaint received 2021-08-07
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. (MS)

Account Name : XXXX  Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.