davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-30
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. (FL)

Although this complaint had already submitted ( XXXX ) - I now have a response from the vendor stating that they never received the funds in question. Citibank has also reapplied the donation charge and since I had funds come back to me from canceled vacations - they have taken the FULL AMOUNT that has been in dispute. Even with my documentation, CITIBANK has closed the dispute- although it has not been resolved. 
They were alerted within minutes of this mistake and have not taken steps to reach a resolution. 

On XX/XX/XXXX we tried to make a DONATION of XXXX  British pounds to XXXX XXXX ( Located in XXXX XXXX ) from a mobile device on their site. Unfortunately, a mistake was made by entering a comma rather than a period and the donation became XXXX pounds vs/ XXXX. Immediately upon a confirmation email was received - within minutes of the transaction we immediately called CITIBANK to reverse and stop the transaction. We escalated to a supervisor and were told that the only way to stop it would be to cancel our card. Reluctantly we agreed to do so. A new card was received but the charge appeared on and off the statement for the next billing cycle. Repeated calls to Citibank resulted in no help. We contacted the XXXX XXXX by email on XX/XX/XXXX and received an understanding acknowledgment and an offer to help. After another call to Citibank, we were told to contact the vendor and ask for a letter to be sent to the Disputes Dept. We did that on XX/XX/XXXX but never received an answer. Three letters were received from Citi ( XXXX XX/XX/XXXX ) - all, in essence, denying our claim. We submitted the emails and filled out a form that they asked us to on XX/XX/XXXX, however our last correspondence on XX/XX/XXXX, indicated that the vendor 's bank referred to the terms and conditions and our dispute was closed by Citibank as they say there is nothing else they can do. After another reach out to Citi and the vendor we have not received any response and the charge has been put back on our CCD. Don't know what else to do as we have tried to do everything we have been advised to do. Each Citibank agent tells us something else and ultimately nothing gets resolved. Can you assist? 
WE have now provided the most recent email from the vendor ( XXXX XXXX ) stating they have never received the money in question. Dispute # XXXX
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

On XX/XX/2016, I C System placed a derogatory remark on my credit file. They claim that I owe {$670.00} to XXXX XXXX XXXX. I 100 % dispute this charge. This is a service that I told them that I never wanted and they charged me for it anyways. I would like for you to please have this negative remark removed from my credit history as it is greatly affecting me in a negative manner.
Consumer complaint received 2022-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

About a year ago, I received a letter that my XXXX student loan, in my father 's name, was being taken over by another company called Aidvantage. When I stared paying the bill, the transaction still comes out of my account as a payment to " XXXX XXXX XXXX XXXX ''. Plus, the Aidvantage website appearance is almost just like XXXX. Is XXXX lying about my loan not being under their company?
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Consumer complaint received 2020-04-16
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. (MD)

My card was charged for an item I didnt order. I have tried to work with the merchant they told me they had no record of charge for me .i received a letter stating my card was credited and it never was I  disputed this with Home Depot credit card they sent a document stating my card was used it clearly shows not my name. I never had anything delivered to my home my card has not left my possession. I was informed my card was not chipped or swiped. I contacted the merchant and they told me they still had no history of an order for me. I have tried relentlessly and in good faith to resolve this issue. This has caused a lot of stress to my health.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CT)

I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. XXXX XXXX Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of XXXX XXXX and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.
Consumer complaint received 2022-09-22
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 2022-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The following company sent the Credit Bureaus derogatory marks and said I had alleged Debt. Once investigated and sent a copy of the application by XXXX  after several disputes. On the application ( 1 ) I noticed the person did not sign my name, ( 2 ) The attempt to sign my name does not have the letters in my name ( 3 ) The wrong address. I have attached a copy of this page. This was not legal or verified thoroughly. Please remove from my credit the following company below. 

XXXX  Account # XXXX CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIERRA PACIFIC MORTGAGE (TN)

Applied for a home loan through Sierra Pacific Mortgage Co. Inc. on XX/XX/20, for the amount of {$150000.00}. After being turned down by a reputable local lender, the real estate agent sent us to SPM. Their lender then " assured '' us we would be approved for the loan, rushed through an application, and then " guaranteed '' everything would work out. After 3 weeks of not hearing anything regarding the mortgage loan, 4 days before the scheduled closing date, the lender called to inform us that in order to " be approved '' we needed to pay off many existing debts as well as provide more down payment than was originally discussed. Of course we couldn't, so we were not approved. We were then denied the return of our earnest money because the lender was then unwilling to provide a document saying we were not approved. The lending officer lied on multiple occasions to us regarding the approval and process and details of the loan. He failed to clearly and accurately disclose the terms and conditions. Over the phone, he articulated his opinion that this was not a good deal to take, and after the realization we were not qualified for the loan based on the inability to meet their approval requirements, we did not get the loan or the home. The lending officer then promised he'd send a letter over stating we couldn't meet the terms and were not approved based on those terms, and then promptly did nothing of the sort. We weren't able to get approved for the financing, yet the company refused to provide official documentation stating that.
Consumer complaint received 2021-05-30
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. (NY)

I've noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. Below are the creditors and dates the inquiries were pulled : XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

When I moved out of this apartment, I gave the appropriate amount of time to do so. I was still charged these fees. I have contacted this company several times to resolve this problem in the past as I was not the only person on this lease.
Consumer complaint received 2020-07-29
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: Movement Mortgage LLC (SC)

I initiated a mortgage with Movement Mortgage. The loan officer took 3 hard hits on my credit over the first without giving me a heads up. This significantly impacted the credit score I worked so hard to achieve.
Consumer complaint received 2021-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

As a borrower, since XX/XX/XXXX I have been struggling to repay my Navient loan off. The original principal was {$2500.00} and the unpaid principal as of XX/XX/XXXX is {$5400.00}. The interest type - ( variable ) with an interest rate of 7.25 %. 

I can definitely say I have been misrepresented and misguided over the years from plenty of Navient workers steering me toward multiple forbearances instead of income-driven repayment plans due to their lack of knowledge and unfair and deceptive practices. I am currently in a forbearance and although my payments are suspended temporarily, the interest continues to accumulate and I am paying more interest on their interest! 

I am struggling to stay float and this is negatively reporting to the 3 bureaus. I have been dealing with this for 18 years and I have received thousands of persistent " robocalls '' yet the center practices to better serve me as the borrower is a complete nightmare. Navient lack of training and customer service shows greatly and navigating through the complexity of this has caused great difficulty. Navient workers are too busy to give personalized advice to the borrower and I am exhausted with them reading from a script and there incompetency. My estimated payoff date is XXXX/XXXX/XXXX. This is outrageous.
Consumer complaint received 2022-08-19
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: WELLS FARGO & COMPANY (FL)

I Wrote and I asked for Debt Validation from Wells Fargo. Wells Fargo didn't respond in the first 30 days. I asked again then they sent a letter says they are not able to verify. I filed a complaint with CFPB about the issue which the information is inaccurate and in consistent and the they didn't respond within the XXXX XXXX days. upon responding to the complaint from cfpb the representative wanted to ignore certain facts such as the amount reported to each buearu is inaccurate and that is a direct violation and require immediate delete. He wanted to send verification when in fact they had more than 60 days to verify the debt and again another violation ignore the time and the law and insist on his position even when the facts are not lining up! Slandering peoples credit has a high cost. and Wells Fargo as a financial institute it's in their advantage to ruin people 's credit to charge higher interest rate. double the crime.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2021, I called XXXX to open a new phone line. They sent me several online forms to fill out to open the line. Unbeknownst to me, one of these forms was a credit card application for a XXXX XXXX Card through Synchrony Bank. I never asked for this application, no one told me they were sending me a credit card application and it was not clearly labeled as a card application. Once I submitted, it said I was approved for a credit card. I immediately called XXXX and told them I hadnt meant to apply for this card, that their solicitation was deceptive and that I wanted them to cancel my application and remove any associated inquiry from my credit report. The person with whom I spoke said that they had resolved this, but today I received the card and the inquiry is still on my report.
Consumer complaint received 2022-09-24
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. (TX)

XX/XX/2022, I went through fraud with XXXX. I spoke with the company and they were able to credit me back the amount and remove this off of my record. With this being fraud can I please get the hard inquiry off of my record.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Account # XXXX XXXX XXXX {$310.00} is improperly showing on credit report as its under the XXXX an that new law has passed stating that they arent to be on credit. Yet when I disputed they have said its accurate and havent removed it.
Consumer complaint received 2022-07-29
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: ALLY FINANCIAL INC. (NY)

XXXX, XXXX AND XXXX CREDIT BUREAUS ARE REPORTING 32 FRAUDULENT INQUIRIES BEGINNING XX/XX/XXXX THROUGHOUT XX/XX/XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND APPROVAL FOR THIS CREDITS WERE DENIED.
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying Chase Amazon Visa Card, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.
Consumer complaint received 2023-03-11
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: U.S. BANCORP (FL)

XX/XX/XXXX : Contacted cardmember service at ELAN with the number provided on my credit report. They passed me to " XXXX '' She does not see any card number associated in their card services department. They handle companies like, " XXXX XXXX XXXX XXXX She does not have record of a card number in my name or my social. Please remove this from my credit report. Here is the info on my XXXX Credit Report today : -- -- -- -- -- -- -- -- -- -- -- - ELAN FINL SVCS This account is currently under dispute under dispute Account info Account name ELAN FINL SVCS Also known as ELAN FINANCIAL SERVICE Account number XXXX Account type Credit Card Responsibility Authorized user Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$14000.00} Balance updated XX/XX/XXXX Recent payment {$47000.00} Monthly payment {$42.00} Credit limit {$25000.00} Highest balance {$18000.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$25000.00} Contact info : Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2018-05-05
Product: Mortgage — Reverse mortgage
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: AMERICAN ADVISORS GROUP (FL)

I had 4 hard credit inquires in 4 months for the same refinance Some of these we less than 30 days apart for only 1 refinance XXXX. The company is XXXX XXXX   FOR ONLY 1 REFINANCE!! XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX 1 max for 1 loan is OK but I didn't agree to any. I wand these excessive remove from my credit reports..it 's killing my XXXX SCORE!
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I was the victim of a Reverse Wire Transfer scam involving my Wells Fargo savings account. Please see the attached police report and Internet Complaint Center report. The Internet Complaint Center is a division of the FBI. 

Has Wells Fargo taken any steps to identify the perpetrators of this scam? Has Wells Fargo cooperated with law enforcement inquiries? What are the results to date? Please advise. Thank you.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hard inquiries that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-29
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. (NJ)

Equifax, failed to delete XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing ( XX/XX/XXXX ) and Equifax is showing ( XX/XX/XXXX ) additional information : all XXXX credit bureaus should report 1 date of last activity because its coming from 1 Creditor.
Consumer complaint received 2021-05-29
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: Windham Equity Company (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX Open date XXXX XXXX Lease Rental Open date XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2018-05-05
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: SYNCHRONY FINANCIAL (CA)

It says that I have two Mark 's when I never filed for a credit card and it's for the same thing twice I should not be effected by someone else 's XXXX I'm very upset with this if been trying to get my credit back in order along with my life and this just ruined everything I worked for