davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

The information they are displaying on my credit profile is factual inaccurate. In the Status : they state collection, government insurance claim.. but that factual true. Not to mention the last date Active. They certified all their information was correct. But this was not the case. I have enclosed a copy of my contract of Past- due debt owed but on an Agreed monthly installed monthly plan. Not what is and has been place on my credit profile over the last several years that I have been disputing.
Consumer complaint received 2022-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered 8 times to 8 diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.
Consumer complaint received 2022-09-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IN)

I have been trying to close out a CD account with Wells Fargo since XXXX 2022. 
I submitted a Notarized Request. They advised me my request was a copy and not the original ( a fact which I disagree with ), but I submitted another copy of the request. 
XXXX XXXX, 2022 I was told by XXXX at the main XXXX number for Wells Fargo that the request was sent to Minnesota for processing. 
XXXX XXXX,2022- XXXX. he is researching why CD never closed. Several calls to the XXXX California branch could not be completed, a recording stated, " Bankers at this branch are unavailable to take your calls. '' XXXX 2022- XXXX. Called the Acception Payments Department. I was on hold for over 1 1/2 hours! I never got through. 
Called the main XXXX number again and asked to speak to a higher lever supervisor ( XXXX ). He just transferred me back to the Acceptions Department where I was on hold for 1 hour and 45 minutes! While I was on hold XXXX kept checking in on me so I wouldn't get disconnected. She said she would submit a complaint for me. 
I did receive two emails from Wells Fargo on different dates stating they would get back to me within 10 days. I have never heard from them again on either complaint. 
The branch of Wells Fargo is in California and I live in Indiana where Wells Fargo has no branches so I can not go to the branch in person
Consumer complaint received 2022-09-20
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. (NY)

False Credit Inquiries were made on my credit reports ( XXXX, XXXX and Equifax ). I had spoken to the Federal Trade Commision and was assured that the inquiries would be removed from my credit
Consumer complaint received 2022-06-25
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-25
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. (PA)

Creditor is in violation of 15 U.S. Code 1692b ( 2 ), also in violation of 15 U.S. Code 1692b ( 5 ), also violate 15 U.S. Code 1692c ( A ), 15 U.S. Code 1692c ( 4 ). reporting requirements do not comply with FCRA standards and the information must be deleted immediately
Consumer complaint received 2022-08-22
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-28
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. (FL)

This is my 3rd attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$120.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00}
Consumer complaint received 2020-04-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I have 8 private loans obtained by Sallie Mae back in XXXX. I was an XXXX XXXX at XXXX XXXX XXXX  and needed additional funds to pay for my XXXX degree. I remember the interest rate being a fixed interest rate at 4.5 %. The total borrowed amount was around {$39000.00}. I went to graduate school after XXXX and my loans were placed into deferment. Upon completing graduate school in XXXX, my payments fluctuated often. Upon looking into the loans, I realized that Navient ( who was and is now servicing my loans ) was charging 10 % interest. I established a payment with them to keep my credit in good standing. I also asked for my initial loan documents to see why my interest rate has changed. After years of battling back and forth, I have only received my initial application with the terms for the loan, but the terms and conditions are not specific enough to understand if they are allowed to change my interest rate and other issues in terms of repayment. I was even told by multiple representatives that I would have to go into delinquency to get a payment plan established even when I was proactive in trying to receive payment plan. To date, the loans are over {$83000.00} in total and the interest rate is constantly fluctuation ( as high as 10 % and currently at 9.5 % ). My current payment plan will end in XX/XX/XXXX. I have applied for a new payment plan ; however, with the changing terms and conditions, it is not likely that I will be able to afford the payments. Given the issue of changing terms and conditions, I am submitting a complaint to CFPB. To date, I have paid back somewhere around {$20000.00} ; however, the overall amount keeps increasing given the interest rate changes so an end to paying these loans are not in site. I would like assistance in this matter. My current payment is {$470.00}, {$460.00} of which goes to interest.
Consumer complaint received 2022-06-06
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)

In compliance with the Fair Credit Reporting Act, XXXX XXXX Account Number 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
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I received a fraud alert from my credit monitoring services-XXXX XXXX and XXXX with concern that an account was opened in my name for XXXX 's Citibank with a {$500.00} limit on XX/XX/22. As of today, there is no balance being reported on the account. 
On XX/XX/22 I filed a fraud alert with the XXXX credit bureaus and contacted the company.
Consumer complaint received 2022-06-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. We purchased a TV from Best Buy in XXXX. Citi bank was the lender. The bill was paid off in XX/XX/XXXX. 
XXXX we were charged {$90.00}. We had not purchased anything. in XXXX I received a bill with penality attached and I contacted Citi and told them there must have been a mistake because we haven't purchased any products or service from Best Buy for over a yearr and our statement should be XXXX and was XXXX starting XX/XX/XXXX. They said they would fix the problem because it was a computer error. The next month I received another bill plus penaltys. Once again I called and I was told they would fix it but they could only take part of the paymenty off. It is XXXX XXXX and I received a threatning letter. I called once again and was transfered XXXX  times to XXXX diffgerent people over an hour and fifteen minutes.. It was difficult to communicate because their connectiuon wasn't good going into their call center and most of the people weren't fluid in English and given instructions not to settle. That was from XXXX call..Please help and clear my account and I don't wish to do business with this FRAUDULANT COMPANY any more.
Consumer complaint received 2022-09-19
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: DISCOVER BANK (FL)

I purchased a bed from XXXX on XX/XX/2022 using my Discover card. When I received the item on XX/XX/XXXX I noticed it was damaged and it was the wrong item. I immediately setup a return from XXXX and was given a shipping label with XXXX. The bed was picked up on XX/XX/XXXX. After the pickup I noticed I could not track the package because the tracking was not working. It was giving me an error and telling me the tracking number was not in the system. Apparently the package is now lost so because of this XXXX refuses to refund me the total amount of $ XXXX disputed with Discover because of incomplete service but it did not go in my favor. Now I lost money to XXXX and have no item to show.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I was phone scammed on XX/XX/22. The caller ID showed " Wells Fargo '' ( XXXX ) XXXX. The caller was able to withdraw XXXX dollars from the ATM after I provided what I thought was " verifying information ''. However, I saw multiple transactions on my Wells Fargo app minutes after the call and immediately called Wells Fargo " back '' to ask why there were unauthorized transactions right after I'd hung up with the " fraud department ''. The claim was subsequently denied since I'd provided " sensitive information '' allowing for the transactions despite the fact that I did not realize at the time that I was being scammed. To add insult to injury, I was also charged XXXX dollars in insufficient funds fees when my scheduled automatic bill payments were withdrawn. 
The ATM had shown XXXX transactions in the amounts of {$500.00}, {$60.00}, {$140.00}, {$200.00}, & {$100.00}. I then had XXXX {$35.00} insufficient fee charges totaling {$140.00}. 
All in all, I lost {$1100.00}.
Consumer complaint received 2022-09-19
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. (PA)

Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.
Consumer complaint received 2022-06-25
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)

On XX/XX/22 I received an alert from my bank concerning a new inquiry from XXXX. I don't need another credit card and I went to my bank for guidance. They told me to call 1 of the credit agencies and I called Equifax to put a freeze on my accounts. I did and was told that he would alert the other 2 agencies as well. 
Today ( XX/XX/22 ) at XXXX I got a call from XXXX ( XXXX XXXX ). She informed me that someone was using my S.S. # and my credit report to obtain a XXXX XXXX in Utah. She gave me the application # ( XXXX ) and told me to file this report. She also told me that I needed a copy of this report and my I.D . to be faxed to XXXX ( XXXX ) in order to prosecute this individual. I don't know why? I'm the victim here. 
I was scammed for {$29000.00} on XX/XX/22 by a guy named XXXX ( XXXX ) and reported it to the FBI ( of which I haven't had and response from ) so I don't take any chances. I have changed all my passwords, scrubbed my computer, got a VPN for my devices and go to the bank as soon as I have a concern.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020, Synchrony Bank closed two of my Credit accounts based on a risk of non payment. I had never missed a payment nor was I given any warnings. 

On XX/XX/2020 I contacted Synchrony Bank who stated they closed my accounts due to having too many accounts with Synchrony Bank Synchrony Bank is adversely affecting my credit scores with the closing of my accounts. 

I can only surmise Synchrony Bank is discriminating against me due to either my race or the belief that I have been somehow affected by this Covid19 epidemic
Consumer complaint received 2022-09-19
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. (FL)

XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Equifax consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OR)

On XX/XX/XXXX, I called to request a refund on all of the payments I made on my student loan during the pandemic. The person on the phone told me that he had submitted my request but would not inform me of a timeline of when I should be expected to get this refund. 

I asked three times about a timeline and when this would be processed and he said he could not tell me. This is unacceptable.
Consumer complaint received 2022-08-22
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. (PA)

My current address has been reported to Equifax however they keep listing a fraudulent address associated with a fraudulent account as my address. My address is XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KY)

I travel alot and i'm not always around most of the time. I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi XXXX XXXX XXXX XXXX XXXX has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed
Consumer complaint received 2022-09-19
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. (MN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX XXXX XXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-19
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

XXXX. XXXX XXXX  opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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.
Consumer complaint received 2022-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX and his family had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, he fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He has since then re-assessed and corrected his financial situation and wants to save the home that he resides in, desperately. He is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President, or at least an Executive Response Team Member at Mr. Cooper, to have his assistance request reviewed fairly and in a timely manner.
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Westlake Services, LLC (GA)

I sent an insurance check to be endorsed XX/XX/2022 so that i am able to fix my truck. Westlake Financial took the check and added to the principal on the alleged account. After calling them and asking about it they then say they mailed it out XX/XX/2022 but left the apartment number off the check so I still havent received the repair check.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (FL)

Applied for a Chase XXXX XXXX Credit card. Chase says they cant process the application because they cant pull my credit but they did on XX/XX/2022. Ive spent over 3 hours being verified by the branch. No one at Chase will explain what the real issue is.