davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened new checking and saving accounts with Citibnak sometime last year in XXXX using new account promotion bonus, I met all the requirements and earned {$500.00} bonus ( new account opening promotion ) sometime in month of XX/XX/2020 they credit this amount into my account directly, and as I was told that I should receive 1099 for this promotion bonus. 

But unfortunately they never issued/send me 1099 and when I tried to call them and ask for this first of all they are telling me ohh because I did not earn $ XXXX interest and so no 1099 was issue and blablabla ... but this promotion bonus should trigger and required by legal to have them generate 1099 and send me and IRS . 

Can you guys please help me into resolve this with CitiBank? I should get a 1099 for this as well as they should pay me the cost of my tax return amendment as well. 

( I was just realized that as my husband also was in similar boat and he just received his 1099-MISC yesterday only from Citi with a letter said due to some error they did not issued the 1099 for the promotion bonus and so they are issuing now which is passed the deadline and so as it requires a tax return amendment and so they will send a check of {$180.00} to cover this tax return amendment cost )
Consumer complaint received 2021-08-11
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. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ACCOUNT XXXX XXXX openedXX/XX/XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2022-09-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXX, Radius Global Solution Acct # XXXX, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC. (FL)

I was a victim of fraud, someone used my credit card in the state of Texas, while I worked in the state of Florida, I reported the fraud and the bank does not want to recognize me. the bank wants me to contact each store where my card was fraudulently used. When I have Fraud protection liability. 
My case # XXXX Card number ending : XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-12-02
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: HYUNDAI CAPITAL AMERICA (MD)

Multiple times I have sent letters to Kia Motors Finance ( KMF ) attempting to have a negative report removed from my various credit bureau reports. I have owed KMF {$0.00} on an account that has been closed for more than a year. I have received letters from KMF stating that they sought more information in order to initiate an investigation on my disputed items. I have received their requests for more information with zero initiation or displayed efforts on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all within 2020.
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I have a complaint against Ace cash express for repeated and constant annoying phone calls on a daily basis plus written notice.of debt. I told them to stop calling or i will sue them for harassment. These practices are illegal and i demand {$1000.00} payable to me for fine for these unfair business practices.
Consumer complaint received 2021-01-27
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. (NY)

XXXX XXXX XXXX XXXX reports on all my credit reports derogatory and invalid information for years Ive disputed this and asked for validation of debt and none ever provided by XXXX XXXX, Equifax and XXXX. Credit agency keeps saying it meets fcra requirements but will not provide me any judgements, bills, or documents proving this debt belongs to me. I am going to obviously seek legal council and seek damages.
Consumer complaint received 2021-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IN)

Chase bank keeps calling me to collect debt for a credit card that has never belonged to me. 

I have told them numerous times, between my own personal court order to protect me from these types of calls, but i should not be held responsible for my ex husband 's debt. I gave Chase the correct information in how to contact him but they continue to call me and always respond " we will remove your number ''. I get called 2-3 times a day.

It's really bad when they ask for him on my number and give ME all his debt information ( how much is delinquent, total amount etc )
Consumer complaint received 2020-12-02
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

A credit card was opened in my name. We then received a notification of a change of address through the USPS. Also, a request was made to add an additional card holder to the account. We contacted the credit card company as soon as we received the card in the mail and had the card/account closed prior to any purchases being made.
Consumer complaint received 2022-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

In accordance with the fair credit reporting act XXXX XXXX XXXX, {$3200.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have been attempting to contact XXXX regarding my federal student loans and my participation in the Public Student Loan Forgiveness Program. I made a call to XXXX on XX/XX/2019 at XXXX XXXX  and was on hold for over 40 minutes, waiting to speak to a customer service agent. At no point in this 40 minutes was I able to speak with a live representative. The automessage suggests to " call back at a later time, '' but I have also experienced excessive wait times later in the day. 

Excessive wait time to speak with a XXXX agent is effectively preventing me from being able to manage my federal student loans.
Consumer complaint received 2021-11-03
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. (PA)

hello, my name XXXX XXXX and I am a victim of identity thief. I report everything that need to be deleted below and in the attach documents. 

1. XXXX XXXX XXXX ( Collection Account ) Account Number : XXXXXXXX Collection opened : XX/XX/XXXX Amount : {$1700.00} 2. Amerifinancial Solution ( Collection Account ) Account Number : XXXXxx Collection opened : XX/XX/XXXX Amount : {$370.00} 3. XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Amount : {$3600.00}
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (FL)

From XX/XX/XXXX until XX/XX/XXXX I was promised a locked in interest rate. I was then told my d t I was too highly to qualify for XXXX XXXX but I could shift my car debt to my son to move things along. I was then told this was not an option and my locked in rate was gone and I would have to pay all closing cost. I have been temporarily staying in Texas because I ran from the XXXX in Florida. I told my lender this and he is trying to say I am living in Texas and therefore can not take possession
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (NJ)

I am the co signer on my daughter 's student loan. My daughter suffers from XXXX, XXXX and other XXXX  health issues that arose during her XXXX year away at school. for these reason, she was forced to withdrawal from school. she has been XXXX on 3 separate occasions and is still in the process of recovery. 
She began her attendance at XXXX in the fall of XX/XX/XXXX. She withdrew from all of her classes in the fall of XX/XX/XXXX and subsequently did not return to school thereafter. 
She did contact Wells Fargo regarding the student loans to get the deferment with the hope that she just needed time to find the coping skills and help she would need to go back to college. Unfortunately, this was not the case. She then contacted Wells Fargo with the hopes to lower the payments or restructure the loans. We both provided them with all the necessary paperwork ( it should be noted that this took months to compile as financial issues are a huge trigger for my daughter 's XXXX ) After this time, Wells Fargo called my daughter to say that " you are in such bad financial condition that there is no payment you could afford, so therefore we can not help you and the same monthly payments will be due '' and by the way, all the late fees and such have added up during this time. 
we are simply looking for some help during this time of recovery for my daughter and I. As a cosigner, I know I am responsible as well, but I am a XXXX mom of XXXX and am still paying for all the XXXX care and hospital bills from her condition ( as well as XXXX surgeries I have undergone during this time, as well as a hospital stay bill for my son ) Please let me know if there is any help for us at this time. 
XXXX
Consumer complaint received 2022-09-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OLD NATIONAL BANCORP (WI)

Donated the car to a charity. 

After the donation find out the bank has a lien on the vehicle and never released the lean so the person who purchased the vehicle can't get plates. 

Attached is evidence the lien was paid and XXXX XXXX  was supposed to release it Also attached is evidence XXXX XXXX  still has a lien with the DMV
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

I was on loan relief due to covid 19 until Dec 2021. As of January 2022 all payments have resumed on time iam no longer in the forbearance program iam resuming normally. Mr cooper is not reporting to the credit bureaus that my payments are on time. They are also not reporting a DLT ( date of last activity ) which should show current. I have reached out to Mr cooper numerous times. I have asked to please report to each bureau the correct information to avoid further detriment to me i except this will be corrected with urgency.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I was cheated by a lier mortgage account executive who increased my proginal offered interest rate from 3.74 % to 4.25 %, closing was on XX/XX/XXXX and I submited my complaint to Wells Fargo on XX/XX/XXXX and the answer was that they were sorry, but they could not change the rate.
Consumer complaint received 2020-12-02
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. (NY)

Letters were sent to the bureau on XX/XX/2020, XX/XX/2020, and XX/XX/2020. These letters never were responded to the, negative item from XXXX XXXX XXXX XXXX account number XXXX ) is still showing on my credit report and affecting my credit report negatively. I sent a warning letter to the bureau informing them of my intention to file a complaint if they did not respond in a timely manner, yet they still did not respond or delete this item from my file.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax is the only bureau that is still reporting an old item that shouldn't be on my credit anymore. I have sent several disputes to Equifax with no response back. 
They are still reporting a XXXX XXXX XXXX account and it is over 7 yrs old.
Consumer complaint received 2021-11-03
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. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2019-11-04
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 (NC)

My account was current, now my account says 30 days late. How does an account that has been paid off and closed for over a year now recently become 30 days late when it was reported as current in XX/XX/2018? I truly believe XXXX XXXX XXXX XXXX Ashely 's Furniture is discriminating against me and this is not fair at all. The account has been paid off.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST MIDWEST BANCORP, INC. (IL)

Hi, XXXX XXXX. 

First Midwest Bank. I tried opening an account on XXXX XXXX of XXXX. Tests deposits were made to my XXXX XXXX XXXX XXXX on XXXX XXXX of XXXX. 

Was not sure of opening the account. 

Decide to complete application on XX/XX/XXXX, of XXXX. 

I confirmed the test deposits. 

I called right away because it says I needed to provide by mail an Illinois ID and Signature card. Usually when opened account I just input my XXXX information and view disclosure and signed by clicking. Was not sure of it. Asked to close account. 

Money was taken on XX/XX/XXXX, of XXXX. 

I called again to confirmed officially that I was closing account and for them to send money taken to my funding source @ XXXX XXXX XXXX XXXX. 

Account was opened still by XX/XX/XXXX, I am getting mail letters from them of account opened with XXXX balance. 

Nobody seems to know where my money is. I had spoken to many people at their 800 customer service number and also different branches of theirs. 

I also went to First Midwest Bank branch @ XXXX XXXX XXXX, XXXX. They opened dispute and close it within 2 hours later. 

I need my {$300.00} Dollars. Back. 

Please help. 

Thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX XXXX
Consumer complaint received 2019-11-02
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)

XXXX, Equifax and XXXX have been sent 3 three disputes about the inaccurate accounts : 1. XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to the Fair credit reporting act.
Consumer complaint received 2020-09-11
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)

XXXX continues to report inaccurate information to my consumer credit file. When I log in to XXXX XXXX XXXX the account immediately reflects a balance of {$1300.00}. XXXX continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. I reached out to infiniti again today with my supporting documentation and XXXX ignored their very clear balance errors they instead responded by saying to call progressive. I have attached supporting documents and have disputed the multiple errors that XXXX has reported on my account with Equifax several times. Under the provisions of the FCRA Equifax has a duty to ensure that the information being reported to my consumer file is accurate.
Consumer complaint received 2020-10-30
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. (CA)

Refund credit from the merchant is not showing up on my credit card : I have purchased a product from XXXX online site, which was returned to them in unopened box within a week. They processed my return and claimed they have sent the credit transaction to my credit card bank Citi. But citbank is saying they have not received the credit transaction from the merchant XXXX. XXXX sent me their Credit Memo as a proof of refund that says my credit card is credited for the amount. I have spent over 12 hours on numerous call with XXXX and Citi customer service and billing team agents to resolve the issue. Citibank initiated a XXXX way conference call with them, me and XXXX to discuss the issue. In the call Citibank agent confirmed to XXXX that they did not receive the credit transaction for refund on their side. XXXX confirmed they processed and posted the refund credit. Both the merchant and the bank are blaming each other. Both parties wanted the other party to issue the refund and they do not want to resolve the issue on their side. 
Attached : 1 ) Credit memo from XXXX dated XX/XX/20 for the return for {$540.00} 2 ) Citi credit card transaction dated XX/XX/20 for the purchase for {$550.00} ( difference in amount due to extra gift wrapping charge )
Consumer complaint received 2019-11-04
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)

I filed a dispute with Citicards regarding a fraudulent transaction in XX/XX/2019. The grounds for this dispute were : 1. I verbally agreed to purchase the product upon a guarantee ( in email ) by XXXX XXXX, the company founder, that he would " personally see to it that I increase my monthly income to $ XXXX in 3 months ''. This guarantee was not met. 

2. Once I agreed verbally to purchasing the product, I was unknowingly charged {$5300.00} on a credit card he had on file, without receiving any receipt, invoice, or contract for the transaction. 

3. Despite numerous attempts to resolve the issue and/or get a refund over phone and email, XXXX XXXX refused to provide any actionable advice or assistance in resolving the matter. 

Despite assuring me otherwise, Citi has refused to help me in this matter despite my providing ample evidence that proves the merchant is obviously a fraud..