davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
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. (DE)

I made a charge on XX/XX/XXXX for {$1100.00} for a vacation rental. I disputed the transaction on XX/XX/XXXX as I never received the service. I submitted all materials requested on XX/XX/XXXX via email, and received a confirmation email. 

I called in on XX/XX/XXXX to confirm all required materials were received and was assured they were, and was informed that the charge would be credited before the statement closing date. I asked if there were time limits I needed to worry about, and was told that the dispute was initiated on time but that processing can take several days. 

I called in again on XXXX XXXX as I received a systemic email from Citi disputes area, advising that I had not provided the requested documents. On that call XXXX XX/XX/XXXX ) I confirmed with the representative that all materials were received and that I did not need to provide anything else. I requested and spoke with a manager on the same call XXXX XX/XX/XXXX XXXX and spoke with XXXX ( account supervisor ). XXXX again confirmed that all materials were received, and that the charge would be credited, and that I can ignore the emails sent by Citi as they were still processing the dispute. I was assured that Citi had everything they needed and that I just needed to wait for Citi to request the funds from the merchant 's bank and apply the credit to my card. I was told by the manager XXXX XXXX XXXX that he would expedite this request and reduce the time frame from 7-10d down to 3-5 days, and that I should expect to see the credit in 3-5 business days. The manager XXXX XXXX XXXX also submitted a request that I be contacted by phone, with my callback number included. I never heard back, and on XX/XX/XXXX ( a month later ), I received a letter from Citi advising that too much time had passed and that the dispute was closed. 

I have tried calling the disputes department multiple times and am told in the IVR that the department is open from XXXX - XXXX Monday through Friday. I call during those hours, and get an automated message that the department is closed.
Consumer complaint received 2020-12-29
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: BC SERVICES, INC. (OH)

On XX/XX/2020, BC SERVICES INC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BC SERVICES INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. ()

please help me immediate ..my mom admit in hospital ... i am helpless..i am serious ... please help me immediately ... please immediately transfer fund .... otherwise today suside please open attachments respected sir please help me immediately.. please transfer fund account no XXXX state bank of XXXX account holder name XXXX XXXX XXXX swif code - XXXX TRANSFER FUND XXXX XXXX please open attachment file please help ..i am helpless ..plese transfer fund..plese understand my problam..plese feel my tears i am helpless..otherwise suside Attachments area
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (GA)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

Well Fargo, my Mortgage holder consistently and willfully refuses to furnish me copies of my Real Estate and School Tax Bills. I have requested this information XXXX times. There is no justification for withholding this information on my property, for a bill that I pay, that they are obtaining from a source other than the duly elected XXXX Collector. I would like them to be compelled to furnish me this information that I am paying for.
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (LA)

" Acknowledgment-receipt of inquire Plan language? 
XXXX XXXX, 2016 & XXXX XXXX, 2016 XXXX XXXX Senior vice President Wells Fargo Home Lending? 

Idenity theft? 
No contract? 
if cross selling, it as not authorized by me? 
Media Suspension for 1 Year? I cant tell? I am not satisfied? 
They continue to write? 

Fine print on bottom of correspondence? Wells Fargo Bank NA NMLSR SAFE Act? 

Spells my name XXXX XXXX XXXX XXXX?
Consumer complaint received 2018-12-01
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: Experian Information Solutions Inc. (CA)

Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please help.
Consumer complaint received 2020-12-29
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. (GA)

On XX/XX/2020, letters were sent to Equifax, XXXX, and XXXX alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, XXXX XXXX report along with rules that they must follow. 7 days later, XXXX  quickly removed the accounts. XXXX  alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. Equifax decided to trigger a regular investigation. Due to the laws in place, XXXX and Equifax are to remove the items identified as fraud. This has not happened.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (SC)

I applied for a credit card with Citi Cards. It was an XXXX XXXX XXXX XXXX XXXX card. The annual fee is steep at {$450.00}. I applied on XXXX, but did not receive the card until XXXX after XXXX phone calls and promises that it was mailed multiple times. It was approved immediately after the application online and I received a letter from Citi Bank 6 days after the application noting that it was approved. The letter also detailed that the card would be received XXXX3 days thereafter ; however it took an extra three weeks. As part of the new card, there were spending requirements to receive bonus miles that needed to be met within 3 months, but my clock started nearly a month before I actually received the card and could use it. By the time, I received the card and logged into my account, I already had one full statement that was completed with the {$450.00} annual fee billed despite not actually having the card.
Consumer complaint received 2020-02-04
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. (TN)

Equifax is in violation of the Federal Law by willfully not complying with the FCRA. XX/XX/XXXX - Notarized correspondence sent certified receipt to inform Equifax of inaccurate and incomplete information within my consumer report. I requested verifiable proof such as contracts with my signature and who they spoke with and the documents they used to verified the alleged information within my consumer report. XX/XX/XXXX - Conformation # XXXX letter from Equifax states they verified information with original creditor furnisher of information. They sent some general statement about using an electronic system to verify information. XX/XX/XXXX - Another notarized correspondence sent certified mail requesting documentation and persons they spoke with to verify inaccurate information. Equifax did not provide any verifiable proof again and with a willful spirit to overlook the Federal Law when it come to reporting Public Records ( i.e. Bankruptcy ), Equifax falsely stated they verified a bankruptcy within my consumer report with the Federal Court ( TN ). XX/XX/XXXX - I sent a correspondence to the TN Federal Court requesting if they communicate and/or verify information via phone, fax or email. XX/XX/XXXX - I received a correspondence from the Federal Court ( TN ) that states they do not communicate or verify information with third party bureaus. XX/XX/XXXX - Conformation # XXXX letter from Equifax states again the inaccurate information has been verified. THIS IS A CLEAR VIOLATION OF MY RIGHTS AND THE FEDERAL LAW. I also have a Security Freeze on other bureaus that Equifax claims to verify information through such as XXXX. The egregious errors are continually defaming my character in the financial market.
Consumer complaint received 2020-12-28
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. (TX)

On XX/XX/XXXX, $ XXXX ( XXXX XXXX  ) I was notified by text alert to log into my XXXX account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX  didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with Anthem breach which XXXX just adding. I was told my XXXX that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2017-02-02
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: D. SCOTT CARRUTHERS (CA)

D. Scott Carruthers contacted family member regarding a suppose debt. They spoke of personal information and about relatives. Called numerous fmaily members. When called they provided incorrect amount of original debt and the monthly payment that was being paid. Being harrassed and spoke to in an unprofessional manner
Consumer complaint received 2020-02-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Travelex NY, Inc. (MN)

I placed an online order ( XXXX ) with Travelex on XX/XX/2019 which was supposed to be delivered on XX/XX/2019 for XXXX Japanese Yen  costing me XXXX US Dollars. This order was not fulfilled by Travelex until 3 weeks later after I was already in XXXX and had to pay for additional money exchange. I know have received the money and want to return to Travelex for a full refund of the money and fees charged to me by Travelex. The company still has their internal systems down due to a hack into their systems which I understand but they have done nothing to make up for holding my money for more than a month. 

I expect Travelex to pay me back my money, fees and also add compensation due to holding my funds illegally without returning them by XX/XX/XXXX. If I do not receive my funds, fees and additional compensation by XX/XX/XXXX I will pursue additional legal action due to customer harm caused by Travelex.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

My loan was issued almost 10 years ago now ; and at it 's start, I chose a payment plan that paid the principal and interest off in 10 years. 9 years later, making all my payments, the principal has barely gone down! My monthly payment is quite large and gretaly impacts my family 's budget. Right now, it appears I could be paying for my education for the rest of my life. Recently, I asked ( income based plan/forebearance ) because I am currently unemployed, I was given a short forebearance but have since received threatening letters about payments. Since that time, my father ( cosigner ) applied for credit and was informed that his FICO score had been negatively effected by the forebearance, an implication that was never explained to me by the Navient representative. I called two weeks ago and asked how much money I needed to pay to make the * 3 times daily* phone calls stop. The rep gave me an amount and I paid it in full over the phone at that time. Now, two weeks later, Navient sent my father a threatening letter demanding more money. I will be paying that amount today because I do not wish to harm mine or my father 's credit any more.
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal limited my account over 820 days ago, associated with the email address XXXX. I have an outstanding balance on the account equal to {$2000.00} which they promised they would be releasing after 180 days but have never allowed withdrawal.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Selip & Stylianou, LLP (NY)

The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ).
Consumer complaint received 2022-11-14
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)

On XX/XX/XXXX we left two deposits for a cruise on XXXX XXXX  on our mastercard. The company went out of business and in XX/XX/XXXX we recieved one refund for {$4200.00}. The other deposit for {$4300.00} Has not been refunded. I have talked to many representitives from Citibank and each time they say it will be resoloved in 7-10 days.I called on XX/XX/XXXX and talked to XXXX. On XX/XX/XXXX with XXXX XXXX of XX/XX/XXXX. XX/XX/XXXX with XXXX XXXX time they said that it was being worked on. On XX/XX/XXXX I recieved a letter from the " customer service team '' That they are continuing to work on the claim. Its now XX/XX/XXXX and I still have no resolution. Are they going to pay or not. If not I need a letter stating why they are not paying the claim.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient keeps sending me bills and charging me late fees during the federal student loan pause that is supposed to last until XXXX of this year. This also happened during the last pause as well. I had to go into forbearance because I had budgeted with the pause in mind and then could not afford to make payments during that time. 

I believe they are also trying to convince borrowers to refinance in anticipation for loan forgiveness, but that the process would actually make borrowers no longer eligible.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (GA)

I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX  XXXX  Date:XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : : {$75000.00} Account Name : XXXX XXXX XXXX  XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX  XXXX   Date:XX/XX/XXXX Amount : {$25000.00}
Consumer complaint received 2017-03-30
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (IN)

I applied for a VA mortgage loan from Guaranteed Rate XX/XX/2017. With XXXX mortgage lender XXXX, XXXX, IN XXXX.XXXX requested for my permission to pull my wife XXXX and my credit reports and we did. At that time he requested for my wife and I XXXX, XXXX XXXX 's and tax returns. Which we submitted. XXXX said base on our credit and income he could get us approved for the VA mortgage loan. So my wife and I agreed to the loan process. XXXX processed my loan through and stated because of my bankruptcy was not 2 years out it would be a problem. I informed him that VA will allow Hardship letter to be accepted for the 2 year waiting period after bankruptcy. He checked into it and contacted me. Saying that he would give me an pre-approval letter, but he did n't want to sign his name to the pre-approval. So he suggested to get a full approval by a manual underwriter my wife and I agreed. After looking at my credit report and income XXXX VA mortgage loan was to have me sign a loan application, which my wife and I did. We began the process with no pre-approval loan letter under the understanding that the underwriter would approve our loan. We sent in every document request by the loan processor XXXX Mortgage consultant and XXXX XXXX. XXXX, XXXX and XXXX all knew what was on our credit report and my hardship letter for the 2 year waiting period. My hardship letter was acceptable for the VA. I contacted the VA Affair inquired about accepting my hardship letter and they inform me it would be accepted, but the lender would be the one 's to accept it or not. On XX/XX/2017, I received a phone call from XXXX saying my loan was denied. For the bankruptcy and a late payment on my credit card from last year. So I asked did the VA not accept my letter of hardship to reference the 2 year waiting period and he said his VA underwriters would not accept it. Alone with some late payments on my credit card. I said really. You had me wait a month to tell me we was denied the loan. Even after you knew my credit report history and why I did a bankruptcy, but you still sent it to underwriter to denied me the VA mortgage loan. XXXX then stated if you contact me in XX/XX/2017 we will be able to get you approve, because it will be after the 2 year waiting period. So really I did n't get the loan because they did not want to accept my hardship letter. How is that ethically moral. I feel like I was took advantage of, because they knew they was n't going to give me a loan. After taking the HUD Home buyers class. I was inform that before going to the underwriter I should have been giving a pre-approval letter. Which I never received. This mortgage company took me for a roller coaster. By pulling my credit and causing our score to take a hard hit. Misleading and misinforming us on the VA loan processed.