davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX of XX/XX/XXXX I visited the Citi Bank Branch located in XXXX XXXX XXXX XXXX XXXX XXXX CA i attempted to withdraw funds from my bank account and I was told by the clerk that he needed manager override for the transaction. After speaking to the floor manager and still unable to accomplish my transaction, I was then transferred to speak to the branch manager. After a long time of trying to get this done, he then told me that there was a fraud alert in the account placed by the fraud department, to call him directly to the branch in 2 hours and XXXX  be able to help me. After waiting for 2 hours I called back and my calls werent answered by anyone so I was transferred to customer service, who advised me to return to the branch and have the manager call back because the fraud alert was placed by the branch manager. I was given a phone number to have the manager call, so I returned to the branch waited an hour to speak to the branch manager, and when I spoke to him he lied again and said he didnt place the fraud alert. After telling him multiple times to call the number I was told to have him call, he refused in many ovations until I started recording him with my cellular device, he then proceeded to call the number however I saw him call a different number. He called a different branch who I heard them refer him back to the number I was given originally and for some reason he kept trying to avoid calling, the number is XXXX option XXXX. After hours of arguing and complaining he told me he was going to override the fraud alert which than he denied cause he said he couldnt do it it was out of his reach, nothing was able to be done for me I had to leave with no money all he told me was that I will have to wait for 30 to 60 days but most likely in 2 weeks Ill have my money he said. I left and been waiting since than after two weeks I called Citi bank again, I was told by a rep to visit my local Citi bank and have them call the same number. After multiple calls and attempts to resolve both in person and on the phone today Friday XX/XX/XXXX I visited the XXXX NJ branch and was something else by the branch manager at this location. Now he said my account was closed the XX/XX/XXXX so I would have to wait 60 days to get my funds out of the account, these almost all my funds and they have been frozen for over a month now there is a pandemic going on I had to move and I was delayed due to this situation. I need some answer I need my money back as soon as possible this is not right.
Consumer complaint received 2021-07-13
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: AVANTE (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AVANTE XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-13
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. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-13
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. (DE)

My complaint is with Equifax Credit Bureau.I have verifiable court documents, proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 120 days late on my monthly payments. My payments for XXXX XXXX come out of my check weekly. I am submitting this once again. Equifax says they have verified it, but there is no way. I have submitted documented proof admissible in a court of law showing all my monthly payments have been up to date. They must correct this info or delete the derogatory info. They deleted it once only to put it back 2 months later. It has hurt my ability to obtain credit. I have filed complaint with Equifax 4 times always getting answer verified as the same answer. This is false info. I have submitted all documents proving my case. If they took the time to look at these documents.. They would see they are from the same agency Attorney General of Texas which they said they verified it with. And these show my payments on time.. which means they didn't verify it as true. And these documents are admissible in a court of law.Please help me as this info they are reporting for Attorney General XXXXXXXX XXXXt account # XXXX is totally false. I am attaching all documents for you to see. I have asked over and over to correct it or delete it from my reports. They are violating the law. I ask that this be permanently deleted from my credit report. If it isn't I will retain legal representation to uphold my rights according to the fair credit act.. I have documents of payments being current that is admissible in a court of law. Once XXXX if they would look at these documents they would see they are reporting wrong info. These are documents admissible in court of law which show my monthly payments up to date. Up to XX/XX/2021 with no late monthly payments. I am also submitting copy my driver license for ID. Once again these documents show my monthly payments are on time which means they did not verify the payments as current. My social security number is in documents
Consumer complaint received 2021-07-13
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. (NY)

I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MD)

This debt occurred when I moved out of the home I lived in with my husband. Apparently he rented the home for two years and the renter used my information to set up a XXXX XXXX Account using my personal information obtained by mail from the mailbox. I filed a fraud complaint with XXXX XXXX and submit a notarized affidavit however XXXX XXXX replied stating they were not going to remove my responsibility from the debt. I was in the process of filing a civil lawsuit when the added the collection to my credit file and causing my credit rating to drop by 34 points. I was in the process of purchasing a home which has now bern put on hold,
Consumer complaint received 2020-08-14
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)

Hello, I am a victim of identity theft cause by Equifax and XXXX data breach. 
Numerous accounts and address were open fraudulently with my information. I have sent Equifax lots of letters and police reports, also Identity affidavits over the years. Equifax fails to practice 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MN)

My loans were delinquent XXXX years ago. They would not work with me. My co signers had to pay to get loan caught up then they lowered the interest rate for 6 months. Now I have reduced hours and I have called them XX/XX/2020 and customer service tells me there is no other options for a reduced payment.
Consumer complaint received 2020-08-14
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 — Investigation took more than 30 days
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 THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, my husband and I were referred by a US Bank Personal Banker to a loan officer for 2 mortgage loan refinancing : 1 a refinance an investment property home with cash out to put towards the 2nd refinance 2. refinance of our primary home. On XX/XX/XXXX, I spoke to the loan officer and explained what my intentions were and she indicated that she can do it and provided me with loan estimates shortly after. We submitted all the documents needed within the next day or two. On or about XX/XX/XXXX, the loan officer called me asking if we can pay the 2 loan application fees @ {$390.00} each to show good faith that we are serious about the loan because their underwriters are swamped and they don't need to waste time if we weren't serious. I indicated that based on the loan estimates she provided that we are serious and agreed to pay the total fees of 2 loans @ {$790.00}. Loan finally submitted to XXXX on XX/XX/XXXX. On XXXX, I followed up regarding status. She told me that they are really busy and will take longer to hear. On XXXX, I emailed asking if they too have the lower rate of 2.99 % as all of my friends are getting this rate. She told me that we are already locked and it will cost to break it. I said never mind then. On or about XX/XX/XXXX, she told me that they can not do a refinance with cash out on my investment property as they do not have that program. I couldn't not believe what I was hearing when she knew from the beginning what type of refinances we were applying for. Because we are already {$790.00} deep, I asked if there are other options. She gave me the options and I told her that we will think about it and see if it makes sense. After reviewing the options she gave we decided that they were not acceptable. We requested for a refund of our application fees because we felt like she took our application fees knowing that they did not have the specific program we are looking for. We have been trying to get an answer since XX/XX/XXXX and have reached out to the manager and no response to date.
Consumer complaint received 2020-08-14
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 get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DEPT OF ED XXXX XXXX {$16000.00} XXXX XXXX   XXXX {$21000.00}
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX XXXX. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to JPMCB AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Reference Complaint # XXXX I checked to see if the payment in question had posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and it had NOT posted. 

Now, on XX/XX/XXXX the payment has posted and back-dated to XX/XX/XXXX. 

THAT'S NOT RIGHT!!!!!!! I made an online payment on XX/XX/XXXX to avoid late fees!!!!
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

LoanCare is reporting negative information against a loan beyond seven years from the original delinquency date. 

- The original delinquency date for this loan is XX/XX/XXXX - The seven year date from the original delinquency for the very same loan is XX/XX/XXXX LoanCare began sub-servicing this same loan instrument in XX/XX/XXXX, and restarted the delinquency reporting clock at that time. I now appear to have a delinquency that started in XX/XX/XXXX, instead of the original date of delinquency which is XX/XX/XXXX. LoanCare has reset the clock on a debt that has already surpassed the 7 year mark. 

According to the Consumer Credit Protection Act, if a consumer has a late payment and never brings the account current, it will eventually be written off as a loss. The debt then could be sold or transferred to a collection agency. In this case, the entire account will be removed seven years from that original delinquency date. 

Request removal of this entire account from all three of my credit reports.
Consumer complaint received 2021-07-13
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-11-26
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. (MI)

On XX/XX/2018 I discovered that two Bankruptcies were reinserted into my credit file. Equifax is required by law to notify me within ( 5 ) days of Re-Inserting a previously deleted item. I did NOT receive any such notifications. Please delete this item that was originally removed XX/XX/2018.
Consumer complaint received 2020-08-14
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 (NY)

We are a small new nonprofit. We opened an account with PayPal in order to accept donations. People started donating, so we have over {$950.00} of donations at this point. In exchange for donations, we provided lawn signs, so we have incurred expenses against the donations. 

I have been trying to complete the account set-up process for a month. They said I needed to provide documents to verify the business address. The system appeared to be automated, in that it wouldn't accept the documents provided. I tried to explain that we are a small organization, and don't have things like utility bills at this point. Finally we seemed to get past that stumbling block. I never received any confirmation, but it stopped asking me for it when I log in so I assume that means they finally accepted our documents. ( Tax ID letter from the IRS ; driver 's license ). 

Now the system says my email isn't confirmed. The ONLY way to contact support is through their online " messaging app ''. The messaging app is clearly a bot, as it keeps sending the same information over and over. The instructions say to click a link to send an email for confirmation, but the confirmation email is never received ( and yes, I've checked spam folders, etc. ). The website also will not let me change the email address. In spite of the fact that they say the email is unconfirmed, I've been receiving notifications of donations at that email address for more than a month. The automated bot simply will not accept that it doesn't work, and it won't connect me with a human being. I have spent hours and hours attempting to resolve this. 

At one point, the bot gave me a phone number. I called the number, went through a long menu system, and then it told me " we can't support your issue at this time '', said to use the messaging app and hung up on me. I've tried multiple times. 

At one point, the bot gave me an email to use ( XXXX ), I sent an email and got an automated response telling me to use the messaging app. 

There should be a regulation that financial services company have to provide customer service. There has to be a way to reach an actual human being to get the problem resolved. As it stands, PayPal has the money donated by our supporters, and there is no way for us to access the money. In other words, PayPal has stolen the money. After 30 days, they refund the payment, so we are losing donations for every day this goes on.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ASSOCIATED BANC-CORP (MN)

On XX/XX/2020 I went to Associated Bank located at : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, MN XXXX, to open up a checking account. I met with XXXX XXXX, Certified Relationship Banker 2. I was informed by Mrs. XXXX she couldnt open up a checking account for me because I had adverse information on my XXXX XXXX Consumer Report. I contacted XXXX XXXX on XX/XX/2020 right after I left the bank and inquired about the adverse information on my XXXX XXXX Consumer Report. XXXX XXXX informed me there was no adverse or negative information on my consumer report. I am XXXX-American ( XXXX ) and i was discriminated against by Associated Bank based on my race. Associated Bank had no reason to deny opening up a checking account for me. Mrs. XXXX lied to me and discriminated against me because I was XXXX. That was racist and wrong of her to do. Associated Bank is engaging in discriminatory practices based on an individuals race.
Consumer complaint received 2020-08-11
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 pulled my credit to myself for the first timed I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$110.00}
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: GOLDMAN SACHS BANK USA (NY)

Morning, I have a Goldman Sachs Apple Card. I used it to purchase an XXXX XXXX and watch back in XX/XX/XXXX. I was having user ability issues and during the peak of covid most apple stores were limited so I returned the items the same month of purchase, XXXX of XXXX. Install payments seized after I returned the products. In XXXX, XXXX i starter being charged install payments in the amount of {$11.00}. Once I noticed this amount was being charged for a returns item I immediately contacted Apple and Goldman Sachs. I have made many calls and get transferred multiple times. They have proof the items were returned. I made a duplicate payment in the month of XX/XX/XXXX and I should actually have a credit on my store account. They took the duplicate payment and applied it to XXXX XXXX for products returned. If this sounds all confusing to you I understand but the issue is they keep charging me. When I asked them to close out my card due to their own incompetence they read a disclaimer that I would be responsible for the total bill owed. I am not paying for installment payments for products returned. They keeps charging me monthly and while everyone is polite and kind when I call they continue to charge my account. I was told that my account would be frozen while they investigate the matter but instead I received a letter stating it Thuy are trying to collect a debt. They have failed to show my why I am being charged this amount and havent cleared this matter up. I have asked them to contact their tech support. They keep misappropriating my payments and I dont owe them money. They have failed to return my funds and I am thinking about contacting the media. I have never had a credit card fail to investigate fraudulent charges to an account and they have the nerve to send me a bill requesting payment.