davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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: CITIBANK, N.A. (CA)

MY NAME IS XXXX XXXX AND I HAVE BEEN A CITIBANK CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY XXXX SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO CITIBANK AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT CITI BANK IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Consumer complaint received 2023-07-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (KY)

I have XXXX major problems with Nelnet. Since they bought my XXXX loans, they reported me late while knowing I was in process of filling out the XXXX to defer payments because they said this is wrong, that is wrong, etc and I filled it out several times then they marked XXXX accounts late and would not change them when credit bureaus asked despite my loan deferral finally being approved. That process of going back and forth took over 90 days and being late over 90 days on XXXX accounts cost me almost XXXX points on my credit, I was furious and disputed it numerous times and each time they refused to change it even though I was in good standing. That was terrible service and unethical but I figured it was probably legal. Now, they combined my XXXX loans without my permission reducing my credit age and changing the type of loan and the terms of the loan, which again dropped my XXXX XXXX, this time XXXX points. I do not have anything negative on my credit except nelnet, I take care of my bills. I do not feel that is legal. I want nelnet investigated. I want a new servicer if possible and I want punitive damages.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

PayPal has scammer system and close my account after I sent all document. 
PayPal Close my account without any reason. PayPal XXXX ID - XXXX PayPal close my account for any reason. 

I sent selfie with my id, proof of address, and bank Information. I was waiting somebody can help to me but PayPal system is Automatic close and limited Account for avoid that I can use my money that I have. I m feel really frustrate and PayPal doesn't want help me with that issue. I have proof and evidence about my case. my email is XXXX and reference : XXXX XXXX. 

Paypal is not working appropriate with the customer.
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

-Card company closed my card XX/XX/2018. 
-Ive

made automatic payments since. -Im trying to p
ay off this debt via a loan company. 
-Credit card company wont give me my account number so that I can pay my balance. 
-Since account is cancelled I cant get a new card with account number. 
-Credit card statements dont have account number. 
-Online chat wont give it to me. 
-I called and they wont give it to me. 
-I escalated to a supervisor and they still refuse to give me my account number. 
-This account has been closed for almost 4 years ( their doing and nothing related to missed payments or exceeding balance ) so I dont have the card anymore and I dont have any monthly statements with the account number. 
-I need my account number to have this paid by the third party company and this credit card company is refusing to cooperate. 
-Ive been trying for weeks. And my deadline for this loan company is 9 days. 
-If I dont pay this its going to show as late payments and then go to collections. 
-Why am I not entitled to my own account number? Why are they refusing to give me information that will allow me to pay my bill? 
-They have given me zero options except to pay with a bank account online or over the phone which dont work for me.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (OH)

GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I am a XXXX XXXX XXXX XXXX XXXX who had a business credit card through CITI. Three days ago, I had a {$10000.00} dollar limit with a balance of less than {$2000.00} which included a {$320.00} charge I was disputing at the time. I use the card sparingly with no issue and have no late payments. So, imagine my surprise when i get an email yesterday saying they've reduced my limit to {$1900.00}. Now instead of a XXXX limit with an approx. {$1800.00} balance I now have a {$1900.00} limit with an approx. {$1800.00} balance. This will tank my business credit, adversely affecting my opportunity to fund my business now and secure funding in the future. I feel like its racially and gender motivated because there was no other reason for this. They clearly don't support small business or maybe it's just XXXX XXXX XXXX XXXX. Even if this were a legit account review how do you go from {$10000.00} to {$1900.00}?
Consumer complaint received 2019-11-24
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. (CA)

I was at a car dealership today XX/XX/2019 and when they ran my credit to see if I qualified for the loan I was told that I didnt because there were some accounts in negative standing on my credit. None of those negative accounts belong to me. I have reason to believe that these accounts were opened by either my dad or uncle since they both have the same name as me. I never allowed anyone to open these accounts using my personal information and I have already filed a police report. I did not benefit anything from these accounts that were opened in my name nor did I make any payments or purchases with any of these accounts.
Consumer complaint received 2022-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

My student loan is being report reported incorrectly. I originally borrowed roughly XXXX and I still have the consolidation promissory note from XXXX  from AES. 
AES is reporting that after 10 years of payments of XXXX, I still owe XXXX. What? I have paperwork they sent me that has me down as two loans each for XXXX. Same date on both. One is a duplicate as they are at fixed rates. One says unsub, the other says subsidized. I've filed complaints that keep getting closed, I've spoken for hours with rude people. They reported to XXXX that I still owe XXXX. 
My sub loans equalled roughly XXXX My unsub loans totalled roughly XXXX. 
Can you help?
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

I called a fraudulent XXXX XXXX XXXX  XXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$350.00}. I gave them the card number over the phone and never heard from them again. A scam number.
Consumer complaint received 2022-06-16
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. (CA)

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX. " XXXX XXXX XXXX '' Account Number # XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX  '' Account Number # XXXX ( Original Creditor : 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 an account without my written instructions.
Consumer complaint received 2022-06-16
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. (TX)

The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

On XX/XX/XXXX my son purchased a {$50.00} vanilla gift card to buy games on his XXXX XXXX. When trying to enter the payment information there was no associated zip code. 
After speaking with customer service who confirmed that they don't assign zip codes they agreed to send a refund. 

Several days later my son checked the balance on their website and it was zero. He was expecting to see refund in the transaction line, but the card was used for an online purchase at approximately XXXX AM on XX/XX/XXXX. 

After speaking with customer service and their fraud department an email was supposed to be sent with a claim form for the refund. 

I have now called 3 more times and still haven't received the email.

I believe that the first representative who had full access to the account used it for an online purchase and at this point others are covering for her. 

All I want is for my son to be refunded the money that he worked for to buy this card. At 13 he works hard and doesn't deserve to be ripped off like this.
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX  Account 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. My legal rights have been violated. They do not have a written contract with me. 


In accordance with the Fair Credit Reporting Act, XXXX  Account 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. My legal rights have been violated. They DO NOT have a written contract with me. 



In accordance with the Fair Credit Reporting Act, convergent Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. They do not have a written contract with me. 




In accordance with the Fair Credit Reporting Act, XXXX  Account 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. My legal rights have been violated. They do not have a written contract with me. 



In accordance with the Fair Credit Reporting Act, XXXX Account 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. My legal rights have been violated. I have NO written contract with this company
Consumer complaint received 2022-06-16
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. (TX)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX Reported XXXX. XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX XXXX Reported : XXXX. XXXX {$3100.00} 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 an account without my written authorization.
Consumer complaint received 2022-06-16
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. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2022-06-16
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. (LA)

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00}
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I filed a complaint with Equifax regarding my account not being updated for XXXX XXXX. I requested either the company verify info or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a home.
Consumer complaint received 2022-08-15
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. (AL)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

I received a notice from FedLoan Servicing dated XX/XX/2022 informing me that a PSLF certification form did not include the end date of employment. The notice did not identify the employer in question and did not provide any information that would enable me to identify the certification form allegedly missing this information. Due to that lack of information, I was required to call PHEAA and have now been sitting on hold for more than hour to speak with a " specialist '' for the sole purpose of obtaining a single piece of information that could easily have been provided in the written notice and which is absolutely necessary in order for me to respond to the notice. I tried the option of requesting a call back but that did not work and I was left with no choice but to wait on hold. PHEAA, which has profited enormously through its incompetence in student loan servicing, should be required to compensate me for the time irretrievably lost to said incompetence.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/22 The check was deposited in the amount of {$11000.00} XX/XX/22 Account was closed due to error on check where my name was put on the memo line and the source of the funds was put on the payee line XX/XX/22 submitted documents to prove funds were mine XX/XX/22 Chase bank has no record of documents being submitted XX/XX/22 resubmitted documents and was told a 1099 liking me to the funds
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (OH)

I have been using this company since XX/XX/2022 when i first started with XXXX XXXX and my bi weekly checks are always deposited on time by XXXXXXXX XXXX XXXX  on XXXX. The check was not deposited yesterday and have tried frantically to have corrected by the company but they refuse to help. I have a direct deposit of {$910.00} which they now have of my money and I want the money located and deposited to my account immediately. This company has no right to withhold my money. Have also contacted by employer to stop any further direct deposits and to get more information on the direct deposit to see if they can aid in recouping my money from my payroll check. This company does not care about their customers and does not answer emails or respond to calls. I want my payroll money and will escalate this to further agencies if needed.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act Experian XXXX XXXX has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The incorrect address are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (GA)

This was a {$600.00} loan with a XXXXmonth term. I was wrongfully terminated and fell behind on everything. I've wanted to take care of this but XXXX years later they are still reporting random balance increases yet charged off the account. The balance they're reporting is entirely made up. It doesn't reflect interest owed or even my loan with them. They refuse to remove it after XXXX disputes with credit bureau. I've called and the lady refuses to give me the XXXX and they don't call back. I can't move my family into an apartment and been denied jobs.