davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (IL)

I was making a {$1900.00} cash payment for my Citibank credit card at a Citibank ATM. During the transaction the ATM reported that the transaction could not be processed at this time and was canceled. The ATM returned {$230.00} cash but the rest was left stuck in the ATM. I did get a print out from the ATM that the transaction was canceled and to contact the customer service number. A case/investigation was opened but then closed since I did not have a receipt of the transaction. I have opened multiple cases with Citibank and they all end the same way - being closed since I do n't have a receipt of the transaction. The problem is the transaction was canceled so there is not receipt. It was cash so there is no canceled check. this has been going on since the end of XXXX.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

I originally took out loans through XXXX XXXX. Now I have loans through both them and Navient. Navient 's is about XXXX and XXXX XXXX is about XXXX. However I am a recent XXXX so I am trying to get on a payment plan that will work with me. I have called both companies every month for the last 4 months and they keep telling me to wait and call back. Recently they told me I had to wait until my loans were deliquent before they can get me on any payment plans that would work for me. I do not believe this is good business as I am told I can lose benefits or this can lower my credit score.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

This is the SECOND time have had to make a complaint about this unscrupulous company. Earlier this year I complained about their serriptious changing of my reward plan from XXXX on all purchases. This company submitted the XXXX reward program which I will quote : You earn XXXX points for every {$1.00} spent on bookings made at XXXX when paid with your XXXXXXXX XXXX XXXX  Visa Card. Last Friday I purchased an airline ticket on my XXXX XXXX Visa card for {$150.00} o the XXXX website. This entitled me to XXXX reward point. After take a full week to post my transaction ( it usually takes XXXX days ) my transaction was dated a week ago. Just a bit of trickery that this company engages in regularly. I contacted " Customer Service '' and they told me this bit of tomfoolery " Upon review, our records indicate that your transaction on XX/XX/2022 in the amount of XXXX was processed directly from XXXX. This is the reason it did not qualify to earn XXXX points per {$1.00}. '' I gave them the itinerary number and this counted for nothing. 
I wonder if the government will ever hold companies like this to account the way they hold their customers to XXXX  standards. 
XXXX XXXX
Consumer complaint received 2022-11-19
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)

XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX I have asked all the credit bureaus to do an investigation on my account ( s ) with XXXX which they did. The results stated everything is accurate although it appears to be a few inconsistencies, are currently reporting on my credit report. 

In accordance with the Fair Credit Reporting act XXXX Account # Has violated my rights. 15 U.S.C 1681 section 602A, which states I have the right to privacy & 15 U.S.C 1681 Section 604A which also states a consumer reporting agency can not furnish a account without my written instructions. This will truly help me in my process to raising my credit score, & I thank you in advance.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I referred my friend using my Chase Freedom credit card on XX/XX/2021. My reward for this referral would be 10,000 chase ultimate reward points ( valued at {$150.00} ). My friend applied using my link and was instantly approved for the Chase Freedom XXXX XXXX and has been a happy customer since. 

Normally, referral bonuses from Chase post to my account in about 2-3 weeks. I contacted Chase when I didn't see it and they told me to wait the full 8 weeks stated in the terms and conditions. Then I contacted them again two weeks ago around XX/XX/XXXX and provided them with the details they asked ( my friend 's full name, email and the last 4 digits of the card they applied and were approved for ). This whole process is documented in my Chase Secure Message history and I can provide screenshots if needed At this point, chase customer support started flat out lying about the entire process and Chase 's terms of the promotion. First they claimed that my friend did not use the referral link and that they are not a new chase customer. My friend has never banked with Chase before and I was sitting next to them when they applied for this card. I made sure that they used the link and helped them through the process as this is their first credit card. 

Then they claimed that a Chase Freedom card account could only refer users to another Chase Freedom card. This is inaccurate both in the the adveritising on the Chase mobile app, the website you visit to generate your referral link and the website shown to the person being referred. They are allowed to choose Chase Slate, Chase Freedom XXXX, Chase Freedom XXXX and Chase Freedom XXXX. This kind of blatant lying to ensure customers never get paid is the worst service I have ever seen. 

They claimed they were escalating my request to a senior representative and I would get a response within 5 days. It has been double that with no response so I have no reason to assume they haven't ghosted me and denied the money I am owed with no response.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (UT)

XXXXXXXX XXXX XXXX  CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, This collection from Credit Management and XXXX XXXX is fraudulent. This account was opened under a fraudulent address and with my personal information. This is identity theft. I have spoken to Credit Management and XXXX XXXX and told them that this is not an account that I authorized or opened. Please remove this collection from my credit reports immediately. 
There is an active fraud statement on all of my credit reports. 
Collections Report Date : XX/XX/2022 Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit scores. 

Date Reported : XX/XX/2022 Collection Agency CREDIT MANAGEMENT Original Creditor Name XXXX XXXX Date Assigned XX/XX/2022 Original Amount Owed {$110.00} Amount {$110.00} Status Date XX/XX/2022 Status UNPAID Balance Date XX/XX/2022 Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/2022 Comments Contact CREDIT MANAGEMENT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-01
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. (IL)

I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.
Consumer complaint received 2022-01-26
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (PA)

I have tried to get on a forbearance or a repayment and the mortgage company wont do it. I called to pay back money when I was late and they told me it was going to foreclose on me told me I couldnt pay unless all money was paid up front. 6 month later they told me all I had to do was pay the back payment which was was way higher now. So they lied to me about paying just back payments. Spoke to several people in this 6 month period. Filed a complaint before they said they would work with me and now after compliant filed closed they wont help me still second lie being told by mortgage again. I just need a repayment plan to get my mortgage back on track after I lost my job and covid hitting
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, my fiancee and I began the process of building a house. The loan company pulled our credit to get the loan process started. Mine pulled successfully on all credit bureaus except for Equifax, which showed an XXXX XXXX code. I called Equifax, thinking perhaps my credit was frozen. I called to find out that my credit was not frozen, and that there should be no error reporting. Equifax was clueless as to what error may have been happening. 

I got divorced and XX/XX/XXXX, and changed back to my maiden name in XX/XX/XXXX. Due to the fact that I was pulling the report in XX/XX/XXXX, I had the loan agency try to pull my information from my previous married name. It was successful at that time. Now, five months later in XX/XX/XXXX, we are to the point where our house is almost finished and the loan agency had to pull my credit a second time, and it HAS to be under my current maiden name for the loan to be finalized. Same error again. Equifax has no idea why it is happening and has been unwilling to help. This is threatening to hold up the closing of my house and the authenticity of my documents ( of being the right name ). I am at a loss for what to do.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (VA)

I filed a complaint on XXXX-XXXX-2017 with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems. Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. I 'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21 I pulled into the atm drive-thru to make a deposit at the Wells Fargo location , I was using a new card ( tap pay ) the atm was not accepting deposits at that time, so I decided to park and use the other atm, In my lack of attention at that moment I forgot that I got into my account using tap pay, so during the whole time I went to park my car at the other side of the store, whoever was behind me in the drive thru literally maxed out my checkings account ( cashed out {$700.00}, I didn't have {$700.00} so overdraft came in ) when they had their turn to use the atm by the time I got to the atm to make my deposit ( which I never made because I got distracted by the fact that my account went negative in the 3 minutes it took me to park my car and enter my info into atm ) I explained this story to the bank teller the next day, and he told me that the person who made the transaction in my part would most likely be on camera and this would be an open and shut case. Now I called the bank, went through customer service told them my story and they locked my card (? ) and issued me a new one. On XX/XX/21 I received a letter through the mail from Wells Fargo and they said that they found that I authorized the transaction therefore my claim is closed after the fact I called Wells Fargo again and the rep told me that once a claim is closed there is no opening it again, I tried to give a better version of my story but I think they only heard it as a courtesy to me, never heard from the bank regarding the claim after that
Consumer complaint received 2016-08-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: MOHELA (IL)

Mohela reported to the three credit bureaus in XXXX 2016, but my XXXX XXXX rejected that payment as an error. This is the first 30 day credit mark that I have with them. It is not my fault that my bank rejected the payment because the money was there. I advised my bank that I need a letter showing proof they received my deposits but its not credited to the account. My mom is the cosigner on this account and I do not think I should be punished for what my bank did. This is affecting my credit and my mom 's credit as well. I have a good payment history with Mohela therefore I am willing to do auto payments, but I need the credit mark removed. I did not know they were rejecting payments until I received Mohela 's emails. I have a pending complaint with XXXX XXXX as well to get this resolved.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Hi, so In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX # : XXXX, XXXX XXXX  : # : XXXX, XXXX XXXX XXXX XXXX : # : XXXX, XXXX XXXX XXXX : # : XXXX, have 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-19
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: Credit Karma (NJ)

I received a message saying that I would be approved for new credit cards. I signed in and noticed there was a XXXX XXXX XXXX card. It said that if I was not approved, I would receive XXXX dollars. I applied but was not approved. 


XXXX XXXX has wasted over 2 weeks saying they are researching. Now they are saying that I am not eligible because I applied for the same card. I did not. My card with XXXX XXXX is an XXXX. It was already showing on my Credit Karma account BEFORE the XXXX dollar offer. I feel like Credit Karma might be running a scam but it is not helping my credit when I get turned down. I would NOT have applied if I thought I would be denied.
Consumer complaint received 2022-11-19
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$1000.00}.
Consumer complaint received 2022-01-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (PA)

In XX/XX/2021 my then mortgage lender, Guaranteed Rate approved a loan modification of 2.875 %, monthly paymentys of {$210.00} on a remaining balance of {$50000.00}. Shortly thereafter the loan was sold to The Money Source who ignored the modification, began billing me {$650.00} monthly and threatening foreclosure. I contacted them and was told if I submitted a notarized, approved loan modification from Guaranteed they would honor it as required by law. I submitted everything, hear nothing for lover a month. When I called XXXX they then told me it was not approved and I needed to reapply with them, which I did and was approved for the same terms. However, they never put the terms in place. I ahve called/emailed at least 15 times since then to fix this and was told the were busy and would freeze the loan activity until they get around to fixing this. 

In the meantime, today I received a bill for XXXX based on the incorrect rate and terms, and threatening foreclosure. XXXX has not done anything they promised and hav e broken many laws, while holding my only home ransom.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc. (MN)

I have a consumer debt with Total visa card that was charged off and sold prior to me being able to pay off to XXXX XXXX XXXX XXXX at that time it was reported to my credit as a negative item, I contacted XXXX XXXX to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against XXXX XXXX and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for XXXX XXXX and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The following ( Equifax, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2012 XXXX {$1800.00} ).