davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I was a customer of XXXX. Around XXXX or XXXX of XXXX, I ordered several items but I never received the order. I contacted XXXX and they issued an affidavit of non- receipt of merchandise. I completed the affidavit and faxed it to them on XXXX XXXX, XXXX. The issue I 'm having is that XXXX has placed this account on my credit file for colection. I 've disputed it several times and provided them with the affidavits but the credit reporting agencies have yet to remove them. 
In XXXX, XXXX attempted to sue for all monies due but the case was closed due to documentation I provided. 
This account should be removed from all credit files because I never received the merchandise.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK (MI)

TFC bank closed my bank account without any written or verbal communication. The woukd briefly give me a quick reason why they did and they did give me the remaining portion that was in my account but they closed it no warning. Now i have a new account made by the same bank that I have no idea about. I didnt open the account I dont know the account number or who could even do this. I don't know who to turn to to get some help with this.
Consumer complaint received 2018-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (LA)

In XXXX I used a service to work with PHEAA to rehabilitate my loans after my consolidation application was in they canceled it and began garnishing my wages after refusing to deal with the service I employed. I work shift work and a lot of extra hours, my phone is prohibited at work and my hearing isnt all that great to begin with thus I contracted with the service. After the garnishment I spoke with PHEAA several times until they finally told me to pay a nominal payment and they would take my loan out of default so I could apply for consolidation. Every time I went to apply the site said my loan application was with PHEAA and I needed to contact them. I did so several times and was repeatedly and rudely informed that it was a government website that had nothing to do with them. Finally I managed to reach a person with the website and was able to submit my application within days of the deadline I also informed PHEAA of what was happening. In the meantime they pushed me back into default as the fed loan ppl delayed my app for me to file an income based repayment request ( that I do not need or want! ) now I PHEAA has changed more fees and again reported to the credit bureaus. How can I get my loan out of default when they make more money forcing me back into default? I need help! I can not loose my job in the process of trying to communicate with the thugs they have employed to deal with debtors like me. I want to pay my loans and put this behind me.
Consumer complaint received 2018-01-21
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. (CA)

2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-21
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

JPMorgan/Chase is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that JP Morgan/Chase removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Millco Management (AL)

XXXX XXXX Is reporting negative information on all of my credit bureau reports. This account was paid to the original creditor by my insurance company and should never have been placed on collection and never be reported on my credit files. When I contacted XXXX XXXX they promised me that the accounts would be removed and nothing negative should be reporting on my credit reports.
Consumer complaint received 2021-02-20
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 — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX, I received notice form XXXX  that my dispute with Goldman Sachs had been completed. Came back with the information was verified as true. Shows I paid {$10000.00} and still owed over {$11000.00}. This is not true. I have attached a letter from them stating the facts.
Consumer complaint received 2018-01-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Recently I requested an investigation through Equifax regarding inaccurate information on my credit report. The Equifax report shows that I have a past due balance of {$2600.00}. This is an error. The loan was restructured on XX/XX/XXXX bringing the account current. The Fair Credit Reporting (  FCRA ) requires information furnishers to conduct a reasonable investigation with respect to the disputed item. Equifax reported the results of their investigation on XX/XX/XXXX with the error not being fixed. I do not believe Equifax did a reasonable investigation with respect to the disputed information.
Consumer complaint received 2018-01-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX and XX/XX/XXXX I personally wrote a certified letter to Wells Fargo Dealer Services, I mailed a debt validation letter, requesting VALID proof that I owe { {$6500.00} } .On XX/XX/XXXX, I received an itemized letter with a list of dollar amount, attached is verification of the debt ''. Wells Fargo Dealer Services, is saying that I was a collections/charge off. Im disputing delinquent information that Wells Fargo Dealer Services has reported on my Credit Report, please note this account is paid-off in fullTherefore I am filing a dispute and requesting to have this collection account deleted from my credit report. Thank you.
Consumer complaint received 2018-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

Citibank ran a promotion Fall XX/XX/XXXX that stated if an individual opened an account and deposited {$15000.00} with the deposit remaining in the account until XX/XX/XXXX the individual would receive a {$400.00} deposit into their account. I opened an account, deposited the funds required and did NOT receive the {$400.00} promotion. I contacted Citbank and they related that I did not enter a code when setting up the account. No information was provided during the promotion that a code was necessary. I would appreciate any intervention with Citibank to receive the promotion amount as I experienced this process as a fraud.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (TX)

I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.
Consumer complaint received 2021-03-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2018-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

during a tour of XXXX last XXXX my banking information was stolen along with {$4500.00} in cash. I immediately notified Citibank and asked for a new bank card. It was to arrive in XXXX in two days, it never arrived. We waited 3 extra days at the hotel ( at {$100.00} a night ) but still no card. We had to borrow  money from our traveling companions. I came all the way back to XXXX XXXX ( the closest Citibank ) and got a temporary card. They were to send me a permanent card to our hotel in XXXX AZ but it never arrived. I was angry and tried to close the Citibank account but they would not close it. I started an account in another bank and attempted to transfer the {$3000.00} balance to my new bank but they would not do so, said I only had {$1100.00}, not the {$3000.00} I had previously seen on deposit. I then asked Citibank to send the account ledger for the last 3 months and they ignored my request, several phone calls later plus written requests were ignored. I still do not know what happened to the missing {$2000.00}. I want an account for deposits and expenditures for XXXX, XXXX, XXXX and XXXX of XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Essential Lending Inc (TX)

I filed for bankruptcy XXXX 2016. I included a loan from Essential Lending/XXXX XXXX in my bankruptcy. The name was listed under XXXX XXXX as that is the name of the lender as it is listed on the loan documents I received after the loan was obtained. Once my bankruptcy was discharged this year I called the company several times about it needing to be updated on my credit report and I also directly disputed this account with XXXX. This account continues to show as a negative open account with a {$340.00} balance even after multiple requests to the credit agency and the creditor to get this account corrected. It is affecting my credit and causing me distress trying to get this updated.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (IL)

I filled my home address, date of birth and social security and Credit Karma indicated all the information that was given was incorrect. I would like to view My credit Report along with the information provided it, such as the home address, date of birth and the correct social security.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

I accidentally submitted a payment of XXXX ( full balance, not the statement balance ) to be paid from a checking account. The payment was posted that business day, however the balance in the checking account was not at XXXX. This payment was kicked back. The following business day ( a Monday ), the checking account balance was above that amount, the payment was retried, and completed successfully. 

I was charged a {$25.00} for the return and retrial of the payment. I do n't believe it cost the company {$25.00} to perform this service. It seems to be a purely punitive measure by the Credit Card company.
Consumer complaint received 2023-02-14
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. (PA)

Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (ND)

Hello, This complaint is concerning the practices of Skrill which is an online way to send payments over the web much like XXXX 

I set up a Skrill account on XX/XX/XXXX and added funds via credit card which it linked to my joint bank account with my husband. 

I added funds and purchased b itcoins from XXXX website which the person provids an email address for their Skrill account and funds are transferred. That transaction went fine. 

On XX/XX/XXXX I made two uploads to Skrill from my linked credit cards on their site. The funds uploaded fine but when attempting a {$120.00} transaction sending to an email address I received a message advising to contact Skrill as there is an issue with my account. 

I emailed them and they advised restrictions have been placed on my account and I needed to provide answers to what I was using my Skrill account for and who I was sending money too and also wanted a credit card statement for card used to add money to my account. 

I responded back with details of my transaction, etc. and explained that my credit card is linked to my bank account and I do not get a statement like a normal credit card. I provided a screenshot of my bank account that shows their debits via the card. 

I received a canned message back from them advising they need a credit card statement. It is apparent that no one really reads the emails sent to them and just sends a canned response asking for the info you can not provide. 

After researching I read online the numerous complaints of Skrills practices of allowing funds to be added to your account but then " restrictions '' put on the account which keeps you from doing anything with your money. Eventually hoping you give up or the funds are eaten away by their fees for inactivity etc. 

The main complaint I have is that if they decided to restrict my account and question my very first transaction sent out which they wanted details of ... why allow the person to add money to their account? I had no clue of the restriction until I uploaded more funds and tried making a second transaction. 

At this point I just want my {$120.00} refunded and my account closed. I think that Skrill is deceptive in allowing funds to be added and then holding your money hostage while saying they need additional documentation that you can not provide regarding previous transactions. I believe this a scam that they try to pass off as security measures so you have no recourse to get your funds. 


Any assistance would by greatly appreciated.
Consumer complaint received 2018-01-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IA)

I tried to put 1000 XXXX dollars in a crypto currency company called coinbase. They said that my money would come in three days. But I waited a month and I still havent gotten my money.But they just took the money from my account and have yet to give me my money on my basecoin account. So I went to the bank and somehow they thought that I was hacked so they went to the criminal department and they said that the money was correctly charged from my account. So I went on XXXX and found out I was the only one with my problem. They gave me a phone number to call but there was no one on they other end and I was on hold for one hour, then I finally hanged up. I even tried to file a complaint to their website on the complaint section and I have waited for over two weeks  for an answer and I got none even though I supplied them with all the information needed.
Consumer complaint received 2018-01-20
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: BARCLAYS BANK DELAWARE (CA)

I lost my card over the new year. On XX/XX/XXXX I saw an unauthorized charge of {$1100.00} on my account. I called the credit card company to file a lost/stolen card and disputed the charge. The company closed my account and issued a new card for me. The charge was taken off 3 days later. However, on XX/XX/XXXX the same charge appeared on my account again. I called the company again and try to find out what happened. Their investigation team determined that the transaction was valid, disregarding my statement that I did not have the card in my possession at the time of this transaction happened, I did not know anything about this transaction. I had to call numerous time for them to take any action on this matter, they were rude and condescending. Finally, they reopen the claim and issued a chargeback, however, they are not willing to further help and protect my right as their customer, I may get rebill again on this unauthorized charge.
Consumer complaint received 2018-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

I contacted AES in order to remove my cosigner from my private student loan from XXXX. I was told I was ineligible because I utilized forbearance time in XXXX. I called today in XXXX, after 9 years of on-time payments or approved in-school deferment time, and was told I would never be eligible to remove my cosigner because I utilized forbearance time. I asked how I would have known that information, they said if the forbearance was completed on the phone I would have been verbally told. I asked the representative to see if the scripted language was saved to my account. She told me it was not because I requested it on paper, shows my XXXX old memory. I asked her what could I do now, I made a decision within the year I graduated from college, before I made decent money and was in tough financial situation. I also explained to her I am significantly more stable and I am eligible for a cosigner release for my other loan also being serviced by AES. She went to check with cosigner release department and they said it would have been in my XXXX. Back to my whole concern that this was not made clear to me before I made this decision, no phone call was made to explain my commitment and how my cosigner would never be released from my loan.
Consumer complaint received 2018-01-20
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. (LA)

I left for XXXX XXXX and XXXX and my student loans defaulted When i returned home i contacted the lender ( XXXX XXXX ) and told them what happened and sent in my paperwork and my loan was transfer backed to XXXX XXXX and i paid of the loan XX/XX/2017 Now i have two student loan accounts on my credit report I have talked to XXXX XXXX about this issue and they have told me to contact the reporting Credit bureaus. To fix it
Consumer complaint received 2016-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

My credit report reflects a bad debt-charged off status on a credit card, in reality I made monthly payments and the card balance is paid in full. Also, a tax lien is showing as current, when in truth this was paid in full and satisfied. I have letters of satisfaction on both accounts.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

I called the credit card company and made an offer to settle my account for less than the amount owed due to my circumstance ( recently widowed with overwhelming debt ) I made the offer of XXXX and was told they would accept XXXX which I immediately paid via the telephone. Today I received a bill for the outstanding balance! When I called I was told that the bank did not approve the settlement. When I said I gave the payment and it showed on my account I was told that it was from an agency. I had no idea I was not dealing with the bank since how did this agency have all my information on this debt. I asked for the money to be refunded so I could start the correct settlement on my account and they refused. Now they have my money and I am still in debt and they told me to negotiate. With what? They already have my money.