davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Specifically online bill payments of {$1900.00}. on XXXX and {$2000.00}. on XXXX both to XXXX XXXX. The management office denies receiving the payments. 
Two management agencies are involved, XXXX XXXX for the XX/XX/2019 payment and XXXX XXXX XXXX for XX/XX/2019 payment. On multiple occasions I spoke with CitiBank online services. On two occasions I received written documentation that XXXX XXXX  did not receive payment. XXXX XXXX no longer manages XXXX XXXX. I called XXXX XXXX  to inquire about the payment and the accounts manager informed me that they did not receive any payment. XXXX XXXX also denies receipt of either payment for dates referenced and Citibank has not credited my checking account for the total {$3900.00}. dollars. 

Please sort this problem so that my checking account is correctly credited. 

Thank you Citibank Response reference numbers XXXX, /Trace # XXXX for XXXX. XXXX XXXX # XXXX for XXXX. Acct ending XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (MN)

I filed chapter XXXX bankruptcy in XXXX. XXXX XXXX XXXX ( " XXXX '' ) Owned the right to collect on my private student loans that I received from the XXXX XXXX SCHOOLS prior to my bankruptcy. American Wducation Services ( " AES '' ) serviced my XXXX loans and XXXX XXXX XXXX was the debt collector hired by AES when I went 180 days past due. XXXX themselves entered bankruptcy in XXXX and was bought out by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), only to itself enter receivership in XX/XX/XXXX. Through these bankruptcies and ownership changes I was concerned that AES was not accurately updating me on the status of my loans. The credit reporting agencies listed the debts as closed, not only on my credit report. But on both of my cosigners as well. This took place XX/XX/XXXX. Only to have the debts reappear as open in XX/XX/XXXX. I then began to receive new payment demands from AES. I contacted AES in XXXX asking them to verify the closing of my accounts and to verify the owner of the loans. To which they responded, the loans were open and I still needed to pay, even though XXXX was closed. AES denied that XXXX was closed, and said until they receive notice from XXXX they will continue to request payment and send it to XXXX. AES has still claimed they are sending money to XXXX, even though there is no such company to send money to. As of XX/XX/XXXX through XX/XX/XXXX AES has taken a total of {$5600.00} from me knowing XXXX no longer exists. I want my money refunded and all loans through XXXX to be removed from my name. AES keeps saying they will make a negative remark on my credit report every month that a payment isn't made.
Consumer complaint received 2018-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TCF NATIONAL BANK (NJ)

This complaint is not duplicate!! This complaint is not duplicate!! 

I have XXXX XXXX leading & finance for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.
Consumer complaint received 2021-01-23
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. (IA)

On XX/XX/20 I submitted a complaint with the CFPB about a dispute I filed with Equifax on XX/XX/20 in regards to fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (MI)

I had a credit account with Paypal credit. I could not pay the balanced owed, so in XXXX of 2020, Paypal wrote off the debt as bad debt. A charge off. My credit score has gone down.The only way I can improve my credit is to give the past due bill to paypal, and not a debt collector.Paying a debt collector will not improve my credit and I will still owe Paypal. How can I owe XXXX XXXX collection agency any money when I did not incur the debt with them? How can I be sued when Paypal has written the debt off as bad debt? XXXX XXXX isn't listed anywhere on my credit report. I did not even know I was being sued until a summons appeared on my door. I never entered into an agreement with them.
Consumer complaint received 2020-05-28
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WINNPOINTE CORPORATION (CA)

y husband and I signed the refinance closing disclosures with Interactive mortgage on XX/XX/XXXX for $ XXXX yr. It was a no fees no cost loan. We also wrote a check of {$130.00} to cover the difference between the payoff amount and the new loan. The loan did not fund until XX/XX/XXXX. So, in the mean time I paid my monthly mortgage of {$2300.00}. On XX/XX/XXXX, XXXX XXXX, the loan processor, called me to esign a new closing disclosure that {$250.00} was going to me. Well, I received by XXXX the new closing disclosures and a check of {$2000.00}. The new closing disclosures had a charge called principal reduction of {$250.00}. I should get a check of {$2300.00} from Interactive mortgage since I paid my loan between XXXX and funding. 

I contacted XXXX XXXX by email and phone several times to resolve this issues. She said the {$250.00} is deducted from the first mortgage statement. I told her that did not make sense since the new lender sent email saying my first payment is what its supposed to be. I even contacted XXXX XXXX, the loan officer, and he said its not his department and referred me to the manager saying he will contact me. I have not heard anything from the manger since nor from XXXX XXXX about this issue. 

Bottom line is there is a discrepancy in the new loan disclosures. What I put into this loan is not what I getting back.
Consumer complaint received 2020-11-25
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. (SC)

I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account
Consumer complaint received 2021-01-23
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: CITIBANK, N.A. (NJ)

I had identity theft and a fraudulent hard inquiry on my credit report on XX/XX/2020. CBNA ( Citibank ) was the lender involved, and XXXX was the Credit Rating Agency. I have tried multiple times to have the inquiry removed, but it has been extremely difficult to do so. XXXX insists that I must have a deletion letter sent from CBNA to XXXX to have the inquiry removed. However, given I am not a client of CBNA, it is extremely difficult to get in touch with them. For example, almost every 800 # of Citi that I call, an automated system asks me for my credit card #, account #, or social security #. The only problem with this is that I have no accounts with CBNA, thus it is extremely difficult to get in touch with them over the phone, making it impossible to have them contact XXXX. Despite this, I was able to reach the correct department at CBNA twice in the last six months. Each time, they assured me that they will reach out to XXXX  to have the inquiry removed. I even received two separate confirmation letters in the mail from Citibank that two separate requests to XXXX had been made, one in XXXX and another in XXXX. Still, XXXX insists that they have received nothing and says there is nothing they can do to remove the inquiry. I filed a dispute directly with XXXX in XXXX, and the results of the dispute report, once again, that I must speak with the lender to resolve the issue. 

So it is a Catch 22 for me. I can't have a hard inquiry removed from my credit report unless I ask the lender to contact the Credit Rating Agency. And it is next to impossible to get in touch with the correct department at the lender given I am not a current client. Meanwhile the hard inquiry remains, adversely affecting my credit rating, and I have spent many many hours on the phone over the past 6 months trying to have this issue resolved. 

Attached are two letters I have received from CBNA as well as a result of my XXXX dispute in XXXX.
Consumer complaint received 2021-01-23
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. (IN)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

They owe me over XXXX for closing on my property at XXXX XXXX XXXX XXXX. 
I have called them, written them, emailed them NUMBEROUS times and they give me a reply that it will take 10-14 days to reply and then reply with some nonsense, not researched and just say they are right. 
They have incorrect information ( the closing was on XX/XX/XXXX - not XX/XX/XXXX ). 
They have a payment of over XXXX that was automatically and incorrectly remitted from my bank. 

They treat this cavalierly ... .I send them specific information and they come back with unsupported nonsense. 

I am a senior citizen - XXXX years old now with a XXXX XXXX that needs attending to. 

I will not be treated like this and will sue these XXXX  if I dont get my money back immediately. 

Have someone IN AUTHORITY call me from Wells Fargo .... and make sure they have INFORMATION ... not form letters and XXXX. I am XXXX .... 

And VERY upset
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TX)

ON XX/XX/2020 I opened 2 checking accounts ( ending in XXXX & XXXX ) and 1 savings account ( ending XXXX XXXX with CitiBank. On XX/XX/2020 Citibank froze account ending in XXXX with just under {$500.00} in the account. I no longer had access on line or could request my money. No one would speak to me through customer services and I got the run around. On XX/XX/2020 my account ending in XXXX was froze with {$3300.00} remaining in the account. I can see it on line but yet again I am not getting any answers on why this is all happening or how to gain access to my money. Also, on XX/XX/2020 my account ending in XXXX was also frozen with no answers or help with a remaining balance of {$25.00}. 

To date I can not get anyone to answer me. I get transferred from representative to representative over and over and over. And managers tell me " banks can hold your money without any reason required ''.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

I had a credit card with Citi Bank that I would use at XXXX. I received by bill in the mail every month and promptly paid with a mailed check. In XX/XX/XXXX, I did not receive a bill and therefore did not notice until I received a telephone call in reference to collecting a bill. The company told me that I had agreed via email to online billing and should have paid the bill on line. I DID NOT agree to online billing, as it has caused me problems with two other companies in the past.

I told the company that if they would mail me a bill, i would pay for all items I had bought, but would not pay late fees or interest because I believe they fraudulently switched me to online billing. I then cancelled the credit card. 
I have since paid for all items bought, but have received two paper bills demanding late fees and interest, which i refuse to pay. 
The last two mornings, I have received two telephone messages demanding that I call them about this account. I will do so today, after filing this complaint
Consumer complaint received 2021-01-23
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 have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after XXXX rounds of disputes. Equifax refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. XXXX XXXX has also been informed. This bill has been previously disputed when it was being reported by a different creditor.
Consumer complaint received 2020-05-28
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. (VA)

I hired a credit repair company XXXX XXXX XXXX XXXX to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, XXXX, and Equifax credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX  , XXXX  , and Equifax have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.
Consumer complaint received 2018-03-04
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: SECURITY FINANCE CORP (TX)

I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX  told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Consumer complaint received 2020-11-24
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: ALLY FINANCIAL INC. (NY)

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call expirience so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX XXXX and some others. 

They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX This is my only number XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY :
Consumer complaint received 2022-01-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX I received a Collection Notice from IC System on behalf of creditor XXXX  for {$220.00} against account No. XXXX. I have a current XXXX  account but it was for a different location and had a different account number. My research determined the account number on the Collection Notice was for a property I sold in early XXXX. The XXXX  account was paid and closed at that time. I verified the status of the account was paid and {$0.00} owing by signing in online to that old account.