davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, my Citibank checking account had three XXXX Transfers to a person named XXXX XXXX who I do not know nor have not spoken to ever. I did not authorize three XXXX transfers to this person in the amounts of {$400.00}, {$350.00} and {$350.00} all at the same time. I was alerted by Citibank of possible fraud. I immediately called them but they made the transfer anyways. 
I have made numerous attempts to appeal to Citibank Fraud Department but they claim that I authorized the transfer so denied my claims.
Consumer complaint received 2022-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (AZ)

Received letter from supposedly student fianacual aid. I called the number as it had all my loan informatio ln on the letter. Once I called they asked me several questions about my income and employer. I did provide with my drivers license and address. However once they requested my bank information routing and all that information I hanged up as I thought it was scam. They wanted me to start making payments for reason they wanted my bank information. The number the letter had was XXXX I spoke several times to XXXX.
Consumer complaint received 2021-01-26
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. (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 2020-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Six days already like CITI Bank refused, first, to satisfy my actions for  transfer by XXXX to transfer my money {$1800.00} to XXXX XXXX  recipient. CITI Bank keeps my account blocked from me completely and did not allow to use XXXX transfer from my account. They make fun of me and play stupid. I asked recipient to request money from my account and the same thing happened, Citi Bank denied that request also. It is known road for transfer by XXXX that was performed before in the past.

Do you know how long it takes to get transfer by XXXX? My request for XXXX was denied. Citi Bank did not allow me to transfer money by XXXX. I asked the recipient XXXX XXXX to do it from his side. He did it at my request for the same amount of money. XXXX XXXX did not get the money from my account too. I have money on my account that was supposed to be transferred to the recipient of XXXX XXXX account. The payment to XXXX was scheduled and the transaction fell. Who is responsible for all this mess? CiTi Bank still refused to unlock my money and continue to keep my money away from me under their control. Is that criminal?

CiTi Bank did not ask me in the past to confirm the payment by XXXX to the same recipient and now they did and they blocked me from that action too. Some criminal at CiTi Bank just making a mockery over me and everybody assisting that criminal and every my call denied for assistance.
Consumer complaint received 2021-04-29
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)

Checking my report today and I noticed items posted that I find to be inaccurate I never gave anyone my consent to open anything or inquire about these items that post inaccurate on my report please help me I work very hard for things I have and I dont need this on my account slowing me down.
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Perfection Collection (NM)

The representative called us and presented himself as a " mediator '' and discussed arbitration proceedings. When asked if he was a court-appointed mediator, and if not, what company he worked for, he avoided the ( repeated ) question, he quickly hung up. It took two call backs for them to identify themselves as " XXXX XXXX, '' a debt collection agency. They were attempting to collect a debt owned by Perfection Collection, which was originally owned by a security company, XXXX.
Consumer complaint received 2020-10-23
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. (NV)

My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I have reached out to Equifax over and over about companies running my information and people applying for cars and credit cards in my name please help and remove these unauthorized inquiries
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

Citibank is reporting that I am an authorized user on a credit card that I have nothing to do with. I called them to discuss the issue and and file a dispute directly with them, but their customer service agent stated that I couldn't dispute the issue with them because I didn't have the full account number or the primary account holder 's social security number. I am not able to provide the information since I have no relation to the account. When I asked to speak with a supervisor, the agent hung up on me. Citi is making it impossible for me to file a dispute directly with them as the creditor and reporter of inaccurate information.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NY)

Loan officer denied loan estimate after providing all necessary information required to obtain one including : your name, your income, your Social Security number ( so the lender can pull a credit report ), the property address, an estimate of the value of the property, and the desired loan amount. 

XXXX XXXXXXXX Mortgage Loan Officer | NMLS # XXXX p. XXXX | c. XXXX XXXX e. XXXX XXXX
Consumer complaint received 2021-01-25
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. (CA)

I recently pulled my credit report and discovered a number of inaccurate items. Over 60 days later I haven't heard anything back from each bureau. I feel like Im being taking advantage of. These items are causing me a great deal of grief because they are harming my score. During this difficult time for my family I don't need anything hindering me financially. I also made the bureaus aware I was affected by the Equifax data breach which Im just now finding out about and Im afraid my information has got into the wrong hands.
Consumer complaint received 2021-11-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (NJ)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE when I applied for a Chase Visa Signature business card account XXXX I was notified of this transgression of my rights, specially 15 USC 1601- The Truth in Lending Act, by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE on XXXX via U.S mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I, as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( XXXX ) are up to ( {$5000.00} ). J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES , INC. d/b/a CHASE is now civilly liable to pay me for the damages. This action hurt me and my business.
Consumer complaint received 2019-08-14
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: ID Analytics, Inc. (KS)

I monitor my credit as I am rebuilding my credit to purchase a home in the near future. Over the past month XX/XX/2019 SageStream LLC who now proclaims to be one of the 3 major credit reporting bureau 's has been shown on my credit reports, conducting a hard inquiry when I have not authorized them moreso ever heard of this company to apply for anything from them. Furthermore as I explained to several representatives at Sagestream is that, XXXX, XXXX, and XXXX  doesn't practice any of these unlawful acts, showing they're a third party creditor who is making continuous hard inquiries without consent, without cause, and more importantly damaging the consumers credit. Last but not least, sagestream was damaging to my reputation, provided false information regarding my real average credit score that ultimately cost me time and money. Sagestream stated publicly my credit score was 206 points lower than what XXXX, XXXX, and XXXX  had reported.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I owed a amount to Nelnet and the debt was forgiven due to a total and XXXX XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Consumer complaint received 2020-12-08
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. (AP)

2 of the 3 credit agencies had my current address listed incorrectly. A quick phone call to one of those companies (XX/XX/XXXX XXXX fixed the issue. However, despite 3 contacts with EquiFax ( and an email claiming that my address was fixed ), my current address is still listed incorrectly.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (FL)

I applied for a XXXX/Goldman credit card and was shown a XXXX score of XXXX. I accepted, but then checked with TransUnion directly and my score was XXXX! I was deceived and given a high APR and low credit limit using inaccurate information.
Consumer complaint received 2021-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (VA)

In XX/XX/XXXX a company called Moneylion.com took {$2500.00} in a transfer. There is also {$4500.00} pending. I have no idea what this company is and when I try calling the number listed you can never actually talk with someone they just keep giving you an estimated hold time
Consumer complaint received 2021-06-22
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: SYNCHRONY FINANCIAL (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft VERIZON Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I recently started selling used books on XXXX, using Paypal for transactions. After selling five ( 5 ) books, I checked on my Paypal account and saw that I was no longer allowed to use it. I have been an account user for several years - always paid on time - no problem. 
Paypal representative told me that they were holding funds for 180 days and that was that. I asked why - they could not disclose why?? I wondered was it a change in email account - do I need to put cash into another Paypal account??? No explanation - the representative said " it doesn't matter how many times you call, or who you talk to, they are not disclosing an explanation. I had to change links I had - XXXX, XXXX, etc. 
As of today, my account reads - '' We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''. 
I was a new seller and if I did something wrong, why can't they explain and I would correct it! A clear explanation is what I want so the action can be corrected.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
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)

XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX ) mortgage went into COVID Forbearance XXXX of XXXX-I applied for a refinance with XXXX since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of XXXX 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to Equifax and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my XXXX  and Equifax credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both Equifax and XXXX  credit reports.
Consumer complaint received 2021-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

I reached out to Caprio XXXX  in reference to this medical debt that another collection company tried to report on my credit. I expressed to them that this was not my debt and if it was they have violated HIPPA because they never sent me a bill with my signature on it.

They have removed the {$150.00} charge from my XXXX on XXXX but still have the other charge of {$830.00} on my XXXX  and XXXX. 
The {$150.00} charge is also on my XXXX. 

I asked them to remove it or send me proof that it belongs to me and that I gave written permission fir them to contact me. 
They have violated my rights as a consumer and therefore Im asking all collections be removed.
Consumer complaint received 2020-07-23
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. (NY)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NY)

I have a Chime checking acct. For the last 5 months my unemployment benefits have gone to this account like clock work. The same day the same time every single week never any different. On Monday XX/XX/2020 my unemployment benefits were releases to my bank acct via direct deposit. Today is now Friday XX/XX/2020 and my money is not in my account. I have called numerous times and they keep saying its my employer but I have proof it was sent. It is happening to thousands of people and only people with Chime. Everyone else got paid. Its not everyone 's employer all over the world. My money is always in acct by Tuesday morning never any later. Chime is not providing no answers just lying to people.
Consumer complaint received 2020-10-23
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, 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, XXXX. ''
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (PA)

I took at payday loan out for XXXX and I'm paying 780 % back! I didn't realize they were charhing me that much of a percentage and i think its ridiculous. This company is making over XXXX back for a XXXX dollar loan I took out. Its a year long loan. I pay XXXX bi weeklyb had i known it was that high percentage I would've borrow money from a friend! Please look into this matter as they should not be charging 780 %
Consumer complaint received 2020-10-22
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. (FL)

XX/XX/2020 accounts were updated on Equifax to balance of {$0.00} and paid. On XX/XX/2020 they removed the updates from the accounts and significantly dropped my scores. 

XXXX XXXX XXXX Credit Card {$1600.00} XXXX XXXX XXXX Auto Loan {$4500.00} XXXX XXXX {$720.00} I am attaching the letters from the creditors that it is to be {$0.00} balance.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NY)

The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NC)

On XXXX I venmo the wrong use the user according to venmo declined payment however it was never returned to me, I payed the correct vendor and then venmo charged me the XXXX never returned to me.. and froze my account, I was told they would correct the mistake unfreeze my account and never did, nor did they go after the user who didn't do her part.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-10-22
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.