davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (VT)

Opened credit account with ExxonMobil in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from XXXX that credit score had been reduced due to delinquent ExxonMobil account. Attempted to log on to ExxonMobil website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted ExxonMobil about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't ExxonMobil notify me of a balance due before notifying XXXX? I sent several messages via ExxonMobil 's website about the above and was informed that autopay never got set up. I called ExxonMobil customer service and asked why ExxonMobil hadn't notified me before XXXX. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for ExxonMobil to let XXXX know that I was not informed about the balance due. Needless to say I have recently re-set up ExxonMobil autopay to forestall the above repeating. My account currently is paid up.
Consumer complaint received 2020-05-07
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)

I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an ulcer from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.
Consumer complaint received 2017-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (KS)

I submitted an application for a Best Buy Credit credit card in-person during XXXX XXXX, to take advantage of sales being offered, on XX/XX/XXXX. 

I was informed by a letter dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX, from Best Buy Credit Credit Services that my credit card application was denied for the reason : * Too many credit bureau inquires it also identified Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, as the creditor. 

I received a letter on today dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX from Best Buy Credit Services stating that : Dear XXXX XXXX XXXX, Why we 're writing you : Thank you for your recent credit card application. We would like to process your My Best Buy Visa, Platinum, My Best Buy Credit Card Preferred, and My Best Buy Visa Gold application, however, it is incomplete or a part of it is illegible. 

Here 's what you need to know To continue processing your application, please provide us with the requested information below : * The name you would like to appear on your card How to contact us Pleas take a few moments to contact us at the phone number listed below to provide the required information to complete the application processing. If we do not receive a response from you within 15 days of the date of this letter, we will be unable to give further consideration to your request for credit and will consider your application withdrawn and declined. 

Thank you for giving us the opportunity to be of service to you. We look forward to hearing from you soon. 

Sincerely, XXXX, Credit Review Phone : XXXX TDD/TTY -Hearing or Speech Impaired : XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX. ET NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the the basis of XXXX, XXXX, religion, XXXX XXXX, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. the federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX, XXXX. Washington DC XXXX. 

The creditor is Citibank, NA., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , SD XXXX. Please direct any questions to the return address on this letter. 

Time Is Limited, Please Contact Us Immediatley.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (MD)

I had a sprXXXXnt account back in XXXX which was paid in full. Now suddenly XXXX is reporting a collection account in my name recently. The information provided on the credit report is inaccurate. I did not have a sprint account In XXXX. I need this information removed immediately. And sprint has failed to provide documents showing I had a XXXX  account in XXXX.
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (OH)

It will not let me file another complaint using " debt not owed by me '' but I have evidence of IC Systems removing their accounts from my XXXX  credit report but failing to do so on my XXXX report. I indicated that I had no knowledge of the debt, because I don't, and they removed the collections account from my credit report. Below are dates from XX/XX/2018, XX/XX/2018, and XX/XX/2018. On XX/XX/2018, all three accounts are shown. On XX/XX/2018, only one is shown. On XX/XX/2018, none are shown. 

It is illegal for a debt collector to report inaccurate information to one credit bureau and delete collections from another bureau. All information, whether accurate or inaccurate, must be reported the same across all three bureaus. This company will face legal action from myself if not removed 30 days from receipt of this complaint. This debt is not mine, hence why I disputed it, and want it removed immediately.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}
Consumer complaint received 2018-02-01
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 — Problem with personal statement of dispute
Company: AES/PHEAA (TX)

I went through the Federal Student Aid and submitted multiple requests to investigate late payments on my student loan account. Currently XXXX XXXX XXXX is reporting 16 accounts, 120 days past due as of XX/XX/XXXX with all three credit bureaus. I completed my application to consolidated my loans with XXXX XXXX XXXX on XX/XX/XXXX ( E-signed document attached ). The XXXX XXXX  representative failed to mention that any of my Loans were past due on the day I consolidated. On XX/XX/XXXX, according to my XXXX history, XXXX   XXXX XXXX reported all 16 accounts 120 days past due without notifying me of their late status prior to my consolidation. I have documentation to prove this history through my monthly XXXX report. 

I also noticed the Federal Direct Consolidation Loan Application and Promissory Note application I completed online and processed by XXXX XXXX XXXX  expired on XX/XX/XXXX. This online application expired 4 months prior to me completing online on XX/XX/XXXX ( attached below ). Improper documentation could have resulted in my application being process or delayed, or notified correctly. 

XXXX XXXX XXXX  failed to update me on the status of my account and processed expired paperwork that they provide online, before reporting inaccurate information to all three credit bureau agencies. Because I moved from XXXX to XXXX, I did not receive any phone calls, emails or mail regarding any " attempts to contact me '' like they are claiming. 

I have submitted multiple requests to XXXX XXXX XXXX  and through a private attorney to fix XXXX XXXX   mistake. XXXX XXXX XXXX has take advantage of me and has put major restrictions on my future purchasing power due to improper credit reporting. These 16 late accounts have prevented me from applying for anything requiring credit. Until this is fixed, these XXXX XXXX accounts will hinder my financial growth for many years to come. 

I ask that all 120-day past due accounts reported by XXXX XXXX XXXX  be removed from ALL three credit reporting agencies immediately.
Consumer complaint received 2020-05-07
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: Advantage Credit, Inc. (NY)

There are many hard inquires on my credit report that I did not authorize. They are from brokers that did not ask my permission. XXXX XXXX was my mortgage broker and I was told he would run my credit once which was fine ... ... Then I seen how many times he ran my credit without my consent he never told me and he denies it when its all on my credit report. Thank you
Consumer complaint received 2020-05-07
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. (MA)

I am in the process of applying for a mortgage. I was notified that I needed any disputed remarks removed from my credit report. I had disputed remarks on XXXX and XXXX accounts. I am NOT disputing those accounts, I simply need the remarks removed to proceed with a mortgage application. 

XXXX  and XXXX  removed them within 24 hours of my phone call. It has been almost four weeks and almost 10 phone calls, multiple " investigations '' ( that I didn't even ask for ) and Equifax still has NOT removed the remarks. Instead they have opened multiple investigations. 

The remarks were never removed. Called back numerous times and told the same thing, instead disputes were opened on my account. I called on XXXX and was told they'd be off by XXXX. Again, nope. Called again on XXXX and said they would cancel the dispute and remove the remarks. This morning, XXXX, I received an email saying the dispute was over and a PDF on the website states the remarks were removed. However the comment still says 'CONSUMER DISPUTES - REINVESTIGATION IN PROCESS '' I first called on XX/XX/XXXX, was told the remarks would be removed within 48 hours. In the dispute center on Equifax 's site, the first was opened and closed on XX/XX/XXXX. I am attaching screenshots for each account, you will note that on the XX/XX/XXXX report it says that 'The Explanation Previously Attached to this Account has been Deleted ' for both XXXX and XXXX . However below under 'Additional Comments ' it STILL says 'Consumer Disputes this Account Information ' ( under XXXX ) and 'Consumer Disputes After Resolution ' ( under XXXX ). On the XXXX report it says : 'The Explanation Previously Attached to this Account has been Deleted ' however below under 'Additional Comments ' it says 'Consumer Disputes - Reinvestigation in Process ' under both XXXX and XXXX .
Consumer complaint received 2020-06-24
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$640.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX FIN XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX {$780.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-05-07
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)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-05-07
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. (IA)

My daughter booked a hotel for XXXX XXXX in XXXX XXXX on XXXX XXXX, XXXX. When my credit card statement arrived I had a charge for {$2200.00} to XXXX XXXX XXXX XXXX. I had no idea that was the charge for XXXX so I had a different daughter help me put that charge in dispute with Citibank. Later that day I realized that it was a legitimate charge and contacted Citi Card to  take the charge out of dispute, so they charged me back for the {$2200.00}. On XX/XX/XXXX when we arrived at the hotel, we were told we had no reservation, that the room had been canceled by XXXX when we put the card in dispute. My daughter, XXXX, who has been trying to help me get the money credited back to my account has made many calls to Citi and hasn't been able to get a straight answer on how to get the money credited back. She contacted them originally on XX/XX/XXXX and made many calls since, but because of the covid virus, now can not get through to anyone.
Consumer complaint received 2020-05-07
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. (AR)

I recently received a letter from XXXX XXXX  XXXX XXXX of accusing me of using a credit repair company company after disputing fraudulent accounts reporting on my credit file. XXXX also sent a letter in regards to my dispute that they will not honor my request due to it being made in error. XXXX  has received several pieces of supporting documentation which included an identity theft report which is considered a government agency report. XXXXEquifax has also denied or refused to honor my identity theft report from the federal trade commission which included several fraudulent accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX/Equifax/XXXX also has failed to update my personal information which still displays several inaccurate addresses I were never associated with. I find this response from XXXX/XXXX unethical and straight biased considering the lack of proof they have supporting their claim. XXXX/Equifax/XXXX has not provided accurate verification, blocked, or adhered to any of the laws governing the Fair Credit Reporting Act. This is unacceptable and XXXX Equifax/XXXX Should be held liable
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Consumer Financial Protection Bureau - Equifax complaint XX/XX/2020 I have been unable to refinance a home mortgage because creditors can not access my Equifax credit report due to a security freeze. 

On XX/XX/2020 I unfroze my credit reports with XXXX and XXXX XXXX through their web interfaces, but when I tried to lift the freeze through MyEquifax.com the site said I was unable to do so and that I should call Equifax customer care at ( XXXX ) XXXX. 

When I called Equifax, I was given automated instructions to fax or mail documents verifying my identity. I faxed a copy of my California driver license along with other requested information that same day Wednesday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX I called Equifax customer care again and this time I was able to speak to a representative. I asked if my fax had been received and when the credit freeze would be lifted. The representative said it takes up to five business days. 

On Monday, XX/XX/XXXX I called Equifax customer care again to get a physical address where I could mail the identity documents. That same day I sent via the US Postal Service a copy of the same identity documents that I had previously faxed. The letter was addressed to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

On Wednesday, XX/XX/XXXX I called Equifax customer care again and a representative told me he was unable to verify receipt of any of my documents. I faxed them once again to the number previously provided by Equifax, ( XXXX ) XXXX. Both times I sent the faxes I received verification from my fax service that the faxes were received. 

It had now been a week since I initially tried to lift the security freeze. The lender I was working with insisted they needed credit reports from all three bureaus. So I moved to a second lender, who ran my credit reports from XXXX and XXXX XXXX while waiting to run the Equifax report. So now I had two hard credit inquiries while still not being able to complete the transaction. 

Today, Thursday, XX/XX/XXXX, it has been over two weeks since my initial request to lift the Equifax freeze. I just tried to sign into MyEquifax.com and received the same message I received on XX/XX/XXXX : Please give us a call - We can't complete your request at this time. 
Please call the Customer Care team XXXX I have temporarily abandoned my attempt to refinance the mortgage and when I start the process again I expect to have lower credit scores with XXXX and XXXX XXXX as a result of the two earlier hard inquiries. There are also two faxes and one letter in some unknown location containing my most sensitive personal information. 

The lack of response and concern by Equifax in my opinion is unlawful and appalling.
Consumer complaint received 2020-05-07
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: SYNCHRONY FINANCIAL (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (AZ)

Mr Cooper committed fraud when they charged for a payoff quote request that was neither requested nor provided. I paid off my mortgage on XX/XX/2020. XX/XX/2020 I sent an email requesting a return of over-payment or an accounting. After several emails they finally returned partial over-payment, but kept a fee for Payoff Quote Fax Fee. I have repeatedly demanded proof of a quote request and a copy of the fax, or refund that amount. They have refused to provide and are now ignoring any requests for information.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo removed {$39000.00} plus from my bank account. They are refusing to tell me who has the money today. Is Wells fargo holding the money? Does the government have the money? Does the Plaintiff Attorney have the money? I have been given several answers to that question. I need the truth. I am being unjustly sued for this money. I am not asking WHY they are holding the money. I am asking WHO HAS THE MONEY RIGHT NOW. I asked wells fargo attorney XXXX XXXX if the money is being held by wells fargo or if the money was given to the government or if the money was given to the Plaintiff Attorney. He has not answered me and I believe I deserve an answer immediately to this simple question. It was removed from my account the first week of XX/XX/2020.