davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AZ)

I received an offer in the mail from Citi Bank. Open an Accelerated Savings Account and receive a Cash Bonus. I responded and opened this Savings Account with a {$32000.00} deposit on XX/XX/22 in order to receive the Cash Bonus of {$300.00}. The money had to remain in the account for 90 days to qualify for the Cash Bonus. As of XX/XX/22, my account has not been credited with the Cash Bonus of {$300.00}. I have contacted Citi Bank Customer Service a number of times, ( all of which I have noted in my file ), and have not received the Cash Bonus or any reasonable answer as to why it hasn't been issued to my account. Supervisors have said they would check into it. I have complied with all of Citi 's requirements for this Cash Bonus but Citi Bank has not. I am exhausted with telephone time on this issue and hope that I can receive help from a consumer advocate source. Please contact me if you need further information in this matter. Thank you.
Consumer complaint received 2022-08-27
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)

I submitted several dispute alone with police report proving my identity has been compromised. Equifax refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX And XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MA)

I made a purchase using PayPal credit on XX/XX/XXXX. That digital product has 14 days money back guarantee policy. I requested my refund after 12 days of purchase on XX/XX/XXXX which was within the refund period. 

Even I send all proof documents that shows purchase date and refund request date very clearly PayPal still didnt issue the refund and gave my information to collection without my knowledge. They clearly dont follow the consumer rights and government laws. Because people have the right to change their buying decisions within the refund period. And thats exactly what I did. So, they should issue the refund and follow the laws instead of taking action against the laws.
Consumer complaint received 2021-07-15
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2022-08-27
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: CITIBANK, N.A. (AZ)

in accordance with the fair credit reporting act XXXX  has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-07-15
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)

have an alleged debt with XXXX XXXX XXXX. They claim that I had an outstanding debt with XXXX XXXX bank. I dont know if this was a credit card debt or some other kind of debt. I have contacted XXXX XXXX bank and they have no knowledge of any outstanding debt that I owe them. In fact XXXX XXXX bank issued me an unsecured credit card. I am in good standing with XXXX XXXX Bank. I disputed this debt with XXXX  and it was deleted from my credit report.on XX/XX/202. ( XXXX report number XXXX ). I have contacted XXXX XXXX XXXX and requested they provide proof of the debt from the original creditor. I want to see a copy of a loan contract between me and XXXX XXXX Bank or a credit card agreement between me and XXXX XXXX bank. I dont know if the alleged debt was a credit card or a loan. According to what XXXX has on my credit report the alleged debt account was opened in XXXX of 2017. I was living in Florida in XXXX of XXXX There is no XXXX XXXX XXXX bank here in Florida so I could not have taken out a loan with them. I did not have a XXXX XXXX credit card in XXXX of XXXX. I want XXXX to provide proof of this debt between me and XXXX XXXX bank. If they can not provide this proof then I want their trade line removed from Equifax and XXXX. I have a written statement from XXXX XXXX bank that says they have no knowledge of any outstanding debt that I owe them or owed to them. I have consulted legal consul and am advised to exhaust every means available to resolve this issue and to use the courts as a last resort. I have filed a complaint with the XXXX and have yet to receive a response from XXXX XXXX XXXX. I have also filed a dispute with Equifax and am unable to file one with XXXX because they only allow one open dispute at a time. Equifax has yet to show proof of original debt between me and XXXX XXXX bank yet I have requested said proof. They claim to have proof of the original debt but have presented me with that proof. See attachment Equfax dispute 3
Consumer complaint received 2021-07-15
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)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunlight Financial LLC (VA)

In XXXX of XXXX  I had solar panels installed by XXXX XXXX, now XXXX XXXX. They processed a loan through Sunlight Financial to cover the amount of my panels. For the XXXX months that I have had the panels they have not worked. I have recording from my electric company, XXXX XXXX, that they have not received any power from our panels. I was promised that I would have a very small, and sometimes, no electricity bill. Unfortunately, that has not turned out to be true so I have been paying a normal electricity bill on top of a {$300.00} payment to sunlight financial every month. Months and months of back and forth with pink energy with numerous no shows for appointments to fix the problems and no solution in sight, XXXX XXXX has now closed its doors and filed bankruptcy and I am left in debt without a working panel system and leaking holes in my roof that is coming through my ceiling. I would like Sunlight financial to remove the panels and release me from my contract. I really hope there is a way to resolve this issue so my family does not continue to suffer. Thank you so much for your time and I look forward to hearing back from you.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX I had an unauthorized charge to my checking account by XXXX in the amount of {$190.00}. I believe I was the victim of identity fraud and my credit was used to open up a fake cellular phone account. I placed a credit freeze with XXXX, XXXX, XXXX, XXXX, and XXXX. I notified Chase bank and they are currently investigating. I also filed an identity theft report with the FTC. And I contacted XXXX, but they were not helpful and were unsure of what action to take.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NH)

On XX/XX/2019 I made a transaction of {$180.00} to another Paypal member for concert tickets. Immediately Paypal reported the transaction as unauthorized and started an investigation. The transaction ended up being fraud, and I did not receive the items specified. Paypal will not allow me to open a report about the transaction because they already opened ( and closed ) a report about it being an unauthorized transaction. No action has been taken by Paypal to help me report the fraud.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I have been sending {$500.00} via XXXX to Ms XXXX XXXX every two weeks for the past 5 months .With that say, Ms XXXX XXXX name is already listed on my XXXX account.. I do not have to search for her name neither type it when i have to XXXX the money. On XX/XX/XXXX, I sent the {$500.00} as usual via XXXX. Ms XXXX called me to report that she never receive the money on Friday XX/XX/XXXX. I told Ms.Pierre that it is very strange. The money was deducted from my account and it has showed " Delivered '' .But Ms.Pierre did not received the money. Therefore, on Saturday XX/XX/XXXX, I contacted my bank J.P Morgan CHASE and I speak with an agent who told me that I did everything right but he saw that the money was delivered to a different number of a person that have a XXXX XXXX account. Ms XXXX does not have an account with XXXX XXXX. She uses J.P Morgan Chase .The transfer supposed to be from Chase to Chase bank. The agent connected me with XXXX online to assist me in that matter. XXXX online agent told me to wait for ( 5 ) business days to retrieve the {$500.00} from that other number. About ( 6 ) days, I do not hear from XXXX XXXX, I decided to call them. The answer that I get from XXXX is they are sorry because they could not get the money back. I work very hard for my money and it is very difficult for me to lost {$500.00} just like that in that time of crisis.. The money was deducted and delivered .I want to know to whom? /. Please help me in that situation. I really need the {$500.00}. Thanks for your assistance in that matter.
Consumer complaint received 2021-07-15
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: I.C. System, Inc. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-09-09
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. (KS)

Equifax is reporting a collections account for XXXX  on my report that is fraudulent and not mine and must be removed under FCRA and FDCPA or I will file a lawsuit.
Consumer complaint received 2022-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient will not help me when it comes to my student loan from the XXXX XXXX in XXXX. I believe I did qualify for the Navient forgiveness, but they are telling me otherwise. My loan has been in delinquency before and there were years where I wasn't making any payments. They told me the longest my account was in delinquency was 157, 13 days away from the 170 day requirement. 

I took a look at the history of the loan and went over it with somebody from customer service on XX/XX/XXXX. Every time I asked about the missing gaps of time on my account they couldnt give me a straightforward answer and deflected to the dates that were on file. Where are these missing years? Why isnt it on my file? 

Currently, my loan over is XXXX dollars, mostly from accumulated interest. My interest rate is almost 13 %. I was steered to go into forbearance multiple times thinking it would help me out. In the long run, once Navient doesn't let you sign up for forbearance anymore, it drastically has a negative impact on your credit score. Had I known that, I would have never signed up for it. I felt coerced once my credit scorXXXX took a plunge.
Consumer complaint received 2022-08-27
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. (MI)

I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXXXXXX XXXX due to my hospitalization.
Consumer complaint received 2022-08-27
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: WELLS FARGO & COMPANY (CA)

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) Wells Fargo dated XX/XX/XXXX 2 ) XXXX XXXXXXXX dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) XXXX  XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.
Consumer complaint received 2022-08-27
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

This is a 2nd complaint to a previous complaint # XXXX-XXXX  I made with you guys.. We had 3 forgery checks that the bank said could take up to 90 days.. The original fraud claims made on XX/XX/14 it is now XX/XX/14 and our fraudulent checks funds have not been returned 4 months later.!! This is absurd, they are insured for this, and we still don't have our money back!
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2018, a fraudulent chase quickpay payment for roughly {$780.00} was attempted which caused Chase Bank to automatically freeze my account. I went into the branch the next day and transferred everything over to a new checking account. While I was there they noticed another fraudulent quickpay payment went through my " frozen '' account for {$780.00} ( almost exactly the same amount as the charge that originally froze my account ). I submitted a dispute and over a month later Chase responded by stating that the charge was authorized and that the money will be removed from my account. 

I immediately phoned the Chase claims department and talked to two different representatives who stated there is nothing that I can do as it was deemed an authorized charge.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX, XXXX/XXXX  XXXX, XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX/XXXX  XXXX, XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Consumer complaint received 2022-06-09
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. (GA)

According to the FCRA IT IS A VIOLATION TO HAVE ITEMS ON YOUR CREDIT REPORT THAT IS INACCURATE Ive tried over and over to removed addresses that is not associated with me and experian, XXXX and XXXX has yet to remove these addresses i will sue the credit bureaus my lawyer will be contacting. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX