davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I attempted to transfer XXXX XXXX  dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

TIAA posted a public online offer at tiaa.com that says " TIAA Bank is offering a bonus of {$250.00} when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling at least {$1000.00} within 90 days of account opening ''. I opened the account online and initiated the direct deposits and met all the terms but still didn't receive the bonus.

I called TIAA twice to solve this.

TIAA representative said I needed to go online and requested a promo code and then open the account.

This was a false statement. Because customers can open account online and no promo code was required. It is a public offer posted at TIAA.com, indicating everyone can apply without having the promo code.
Consumer complaint received 2020-05-05
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)

was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-05-05
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)

To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (MD)

On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank Sams Club card holder is reporting inaccurate information of late payments on my credit report for several years account was paid and theyre still reporting inaccurate information. I have spoke with the company three times and the third-party XXXX who they sold my account. I have sent synchrony bank document verifying the account has been paid in full and theyre still reporting the count as negative and late. The problem has been ongoing for over 90 days and I have asked for them to delete the count since Ive given them more than enough time to correct my account and they still have it
Consumer complaint received 2020-05-05
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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-05-05
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)

There is an account I was an authorized user on which was my son 's I had myself removed back in XXXX and it is still listed. I need this removed ASAP I have waited more than 45 days an addressed it with a dispute. Please help assist me. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-05
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. (TN)

XXXX XXXX XXXX XXXX XXXX is reporting outdated and incorrect information to XXXX & Equifax Credit Bureaus. The date the account opened ( account original date of establishment ), the date account closed ( first date of delinquency ), the terms, and the balance is inaccurate. 
Account became delinquent in XX/XX/2013 without any further transaction activities. I notified listed company in XX/XX/2013 I was no longer a resident of said property were services was being rendered. The company did disconnect services ; however, unknown possessors of service 's address reinstalled utilities illegally. I have no responsibility for the fee balance imposed after notifying company of my departure from the premises. Per FCRA regulation, negative items must be removed, from credit reporting agency records, after seven years of first date of delinquency.
Consumer complaint received 2020-05-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (SC)

We intended to visit XXXX and the company used the Paypal portal to charge our stay. we cancelled it and he refunded our credit through Paypal.We received notice from Paypal that that the refund was received and was in process. On XX/XX/XXXX, we received notice from Paypal the refund had cleared and they had our money. i checked my credit card and there wasnt a credit for the sum - XXXX Euros. 

so i tried calling Paypal and went thru all the prompts and was finally told, via recorded message, calls would not be taken because of the virus and callers should the message center. 

texted the message center and waited 8 hours, with automated messages the an agent would would be with me in one minute, then 5, then an hour and then 3 hours. Now the site is down. 

no one from paypal ever responded. 

i dont know where my money is. 

paypal is still in business taking peoples money, but i cant get my money. And they are shut down.
Consumer complaint received 2020-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (WY)

My Account was deactivated by TransferWise without any prior notice or warning. When I contacted them for the reason they said we are not bound to provide you reason. 

When I asked to refund me my money and the charges you deducted as the banking services then they said " Unfortunately we won't be able to refund you the charges. Regarding the remaining funds you had in your TransferWise account, we have to wait until the aforementioned due diligence checks are completed. Kindly note that these checks can approximately take 60 working days. '' There is no logic for deducting money as the banking services when they are closing my account my email id is XXXX XXXX
Consumer complaint received 2020-12-09
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. (VA)

I paid XXXX for the XXXX payment. They did not apply to my monthly mortgage payment but instead of applying the payment towards escrow. I have contacted them to correct it but they refused. 

I also closed XXXX XXXX XXXX  and XXXX XXXX but Equifax still shows on my credit report.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (DC)

Chase failed to fully enroll me in a travel benefit program. When I called to address the issue, Chase told me that I could still pay for the benefits out of pocket ( airport lounge access ) and that they would reimburse me fully. Now, they 're refusing to reimbursement part of the charge. 

Timeline : 1 ) XXXX 2017 : I signed up for the Chase XXXX XXXX card, and enrolled in the XXXX XXXX XXXX  program. Typically membership cards are then mailed to new XXXX members, but none was sent to me ( I did not know to expect this ). 
2 ) XXXX XXXX, 2017 : I attempt to enter a XXXX XXXX lounge with just my Chase card- they explain that I need a different card and that I should talk to Chase. 
3 ) I call Chase at XXXX. The agent re-initiates the delivery of the physical card, and tells me that, in the meantime, I may pay for lounge access at XXXX XXXX lounges, and that Chase will fully reimburse those charges. She says that the policy allows for a single reimbursement per round trip, so if I use lounge access on both legs of the trip, I should wait until they both post before submitting a single reimbursement claim. 
4 ) XXXX XXXX, 2017 : Via secure message, I submit a reimbursement claim to Chase for lounge access for {$69.00} ( {$45.00} on leg 1 and {$24.00} on leg 2 ) 5 ) XXXX XXXX, 2017 : I receive a physical letter from Chase saying that they 've approved the reimbursement of the {$45.00}. No mention of the {$24.00}. 
6 ) XXXX XXXX, 2017 : After several back and forth secure messages, a supervisor tells me that a ) their policy is to reimburse a single charge and they will not reimburse me for the {$24.00}, and b ) they have no record of me having spoken to a Chase agent about this on XXXX XXXX. 

I tried to handle this through Chase but I now feel that they 've intentionally misled me to get me to spend more than I otherwise would. They have records, I do n't understand why they 're unwilling to look at their own data to confirm this.
Consumer complaint received 2018-03-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: RFNA, LP (SC)

My complaint is that i owe XXXX XXXX money from a loan that i refinanced. I was late on a payment and they contacted me and i explained .the reason for me being late .i ask if i could work something out with them about the payments. A lady named XXXX said yea sure i just need to get a full payment now. I said thats the problem i cant pay a full payment now. So i told her i will try my best to pay it by friday. She called me friday and ask if i was going to pay. I told her i still cant pay full amount. She got rude and told me i owe the money so pay it. The following monday they contacted my employer asking to speak to me. Concerning a debt. I owe. I was brought in to the office embarrassed. And was ask to contact XXXX XXXX about my debt. And was told not to let a debt collocter call about my finances. Ive tryed to work this out with them cause i do owe the money but they shouldn't use low embarrassing tactics to get me to pay them.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

Navient is showing up on my credit report as late on 9 different loans but not on all my loans that I had at that time. There where different services during that time and they can not explain to me why it is reporting late over 90 days for XX/XX/XXXX and XX/XX/XXXX which are summer months. I have attached an email that I sent directly to XXXX XXXX and she still has not responded to me.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (NY)

i have a XXXX XXXX XXXX XXXX student loan. I just took a break from school going through financial hardship XX/XX/2016 credit report of a XXXX day missed payment for student loan debt hit my credit score. i attempted to call to see if this was true i was really unaware at the time and have speak about having this removed and lower monthly payments.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My income was reduced from the economic shutdown caused by the Covid19 pandemic.

I was late on my Synchrony Care Credit card in XX/XX/2020. 
I asked for Synchrony to remove that late payment because it was caused by the Covid19 economic shutdown and was out of my control, but they refused.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase transferred my home mortgage to XXXX XXXX XXXX effective XXXX-XXXX-17. I made a payment, a checking account transfer which I did get a confirmation number from the phone agent. Well, I have not received a single piece of information from them, they wont even tell me my account number. Im in Chapter XXXX bankruptcy so the phone jockey said I have to get approval from my lawyer to give me account information. He has not heard from them either. I looked on the Consumer Affairs Complaints website and its filled with similar complaints and those complaints frighten me because they put good folks into foreclosure.
Consumer complaint received 2018-03-22
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: AES/PHEAA (FL)

student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on
Consumer complaint received 2017-11-30
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. (TX)

I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.
Consumer complaint received 2018-03-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Residential Bancorp (CA)

In XX/XX/XXXXof last year I was offered a FHA HAMP 3 month trial starting XX/XX/XXXX. I signed the trail agreement and paid every month. I was told over the phone XX/XX/XXXX that I was approved for the permanent modification and that the paperwork was backlogged and to continue making payments, which I have every month. 

The only written communication I've received from them until today, besides monthly statements, was just two days ago, a notice that I did not qualify for the repayment plan. Today I received a notice of trustee sale with an auction date. I called the company immediately and was told there was nothing they could do as the file had already been given to the lawyer. 

They contend that they attempted to contact me via phone. Though I've given them the correct phone number several times this year they apparently called my wife 's phone number, which was no longer in service after XX/XX/XXXX due to changing providers. They never requested additional information from me in writing, either by mail or via email, which they had always done in the past. They did not notify me in writing that I did not qualify for the the permeant HAMP modification. 

Further, they close at XXXX in my time zone, with hold times over 45 minutes. They do not call back when I'm disconnected. I've been trying to get through to them for the past three days and it's very difficult since they're only open on my work days.
Consumer complaint received 2018-03-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (TX)

This is pursuant to the companies response stating we did not provide evidence that the vehicle is a lower model than that was on the paperwork. The paperwork and price is based on a 2015 XXXX XXXX XXXX. The actual vehicle is the 2015 XXXX XXXX. The lower model is of much lower value. 

Complaint # XXXX We have recieved the actual MSRP document from XXXX XXXX, of the exact vehicle we have, with VIN number. Which is not what was stated to XXXX XXXX, and also presented to her on a fake XXXX report.
Consumer complaint received 2018-03-22
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. (MS)

I have contacted the credit bureaus XXXX and Equifax about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc. (VA)

During a medicial visit in XX/XX/XXXX an incorrect address was entered into my patient information. Several months later in XX/XX/XXXX after learning that there was an issue with my payment I contacted the medical office inquiring about my bill. After learning that my bill was 60 days past due but I had not received any statements I notified them of the correct address and requested an invoice be sent immediately. I was informed that the account status would be placed on hold and a management representative would contact me. In XX/XX/XXXX I contacted the medical office again informing them that no contact was made from their office via mail or phone call. I was informed that the debt had been sent to a collector and transferred to this collector. I again varified my correct address with the collector and requested a notice of debt in order to dispute. The notice of debt was never sent and no attempts at contact were made from this collector via phone call or mail. In XX/XX/XXXX after attempting to dispute the debt on my credit report I received a letter from the collector stating that my debt would not be removed and was found to be valid since I forfitted my right to dispute. I contacted the collector and informed them that I had requested a notice of debt one year prior and provided a correct address and was never sent a notice. The representative verified the documented phone call and acknowledged my request and also acknwledged their failure to provide notice.