davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I already had a Citi XXXX for many years. One day in XXXX or XXXX of XXXX I was looking at the credit card account online, and an offer to get a Citi Checking Account popped up. It said that they would give me a {$200.00} bonus for opening a new account if I deposited and maintained a {$3000.00} balance. I attempted to open the account online, but it wouldn't go through. They provided a number to call in case of any problems ( XXXX ext XXXX ). I talked to a representative who opened the account over the phone and he said I would receive the identical promotion mentioned online. I have called Citi several times since then to ask for the {$200.00} promised, and each time they have an excuse. First it was that I hadn't submitted a Form XXXX ( not true, as I received their new account welcome kit and mailed it then ). Over the last 7 months I mailed a XXXX to them XXXX times and faxed it once. Now they have the XXXX registered on their system, but the new excuse is that they can't find the details of the promotion code the Citi Phone XXXX entered . I personally called the phone number above and asked them about this ; the rep was immediately able to give me the promotion code that their rep entered ( XXXX ). Since I was able to get the information immediately, don't you think that the " customer service '' people I've been dealing with would also be able to verify this and fulfill their part of the bargain? During the account opening process, I took screen shots, and downloaded the terms and conditions of this offer. I offered to e-mail them all of this proof but they said they can not accept e-mails. I think I have waited long enough for this offered to be fulfilled. They appear to be just ignoring me, hoping that I will give up and go away. I am tired of being treated like this, and deserve to receive the promotion that I signed up for. I am attaching to this complaint the screen shot of the promo, plus the terms and conditions I downloaded from the Citi web site. Thank you for your assistance.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NV)

I WAS CONTACTED BY A LETTER/BILL STATEMENT OF COLLECTION FROM ALLIED INTERSTATE, LLC. SAYING THAT I OWE A DEBT FROM XXXX XXXX  FOR MY COMPANY : XXXX XXXX. THE DEBT IS SHOWING {$740.00} AND I/WE ( ME AND MY WIFE ) HAVE NEVER HAD ANY DEBTS/LOANS/CREDIT WITH XXXX XXXX. I HAVE NEVER HEARD OF XXXX XXXX, EVER BEFORE. 

YESTERDAY, I " CERTIFIED/RETURN RECEIPT '' MAILED THEM THE BELOW : MY COMPANY : XXXX XXXX HAS NEVER EVER HAD AN ACCOUNT WITH ANY OF THESE COMPANIES : I WILL BE SENDING ALL INFORMATION ABOUT THESE COMPANIES TO THE FTC AND THE CONSUMERS FINANCIAL PROTECTION AGENCY ! ( The Bureau of Consumer Protection ) : AND FILING COMPLAINTS! 
IT IS CRIMINAL TO HAVE DARK WEB COMPANIES JUST KEEP SELLING OUR DATA AND INFORMATION ACROSS THE WEB AND SYSTEMS, JUST TO SCAM PEOPLE OUT OF MONEY. JUST CRAZY AND WRONG!!! 
PUTTING CREDIT ALERTS AND RESTRICTIVE THINGS ON OUR CREDIT FILES, SEEMS TO NEVER STOP CRIMINALS, FROM THIS XXXX! 
XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2022 I filed a trip cancelation claim as part of the benefit of my Chase Sapphire Reserve XXXX. We received notification that our XXXX XXXX XXXX that was supposed to depart XXXX, 2022 had been canceled ( booking number XXXX ). Per the terms of the trip cancelation policy at XXXX XXXX XXXX, we requested reimbursement for our non-refundable XXXX XXXX airfare ( itinerary number XXXX ) in the amount of {$3400.00} as we had no domicile to stay in due to the cruise being canceled. This process involved filling out a form through the benefits provider eclaimsonline.com. Upon being issued claim number XXXX, we followed the instructions and emailed the XXXX XXXX copies of ; ( 1 ) Carnival cancelation notice, ( 2 ) XXXX XXXX itinerary, ( 3 ) XXXX XXXX itinerary, ( 4 ) travel agent cancelation policy, and ( 5 ) XXXX XXXX cancelation. After continuously reaching out to the claims XXXX eclaimsline.com numerous times asking for the status of the claim, I finally received a phone call on XX/XX/2022 along with an email asking me to submit all of the same information again. I used the eclaimsline.com portal to upload copies of the same documentation and followed-up with an email asking if anything new was requested since this was a duplicate request for information. Each time I submit information, an automated message from eclaimsline.com tells me that I should receive a response if documentation was submitted within XXXX and should receive a response to any non-documentation requests within XXXX. This policy/procedure is consistently NOT being followed by eclaimsline.com. It is now XX/XX/2022 and I feel that I have no choice but to share my experience with others and escalate to the CFPB so that Chase XXXX leadership understands that eclaimsline.com is not properly administering trip cancelation benefits on-behalf of their most prestigious flagship credit card.
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed this information ( bankruptcy ) on my TransUnion credit report, and it came back verified by the court. I reached out to the Clerk of the Court and the letter is attached stating they do not release any information to the Credit Bureaus. 
Please help me to resolve this issue. I am trying to improve my credit. I would like to buy a house. This is causing a lot of stress.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (NY)

My XXXX debit card was compromised in early XX/XX/XXXX I didn't notice since whoever was using it was making small incremental charges. I notified XXXX XXXX since that is where those charges originated and they confirmed someone by the name of XXXX was using my debit card through their account. That said around that same time a JEFFERSON CAPITAL SYST for the amount of {$240.00} on behalf of XXXX XXXX showed up on my credit report as delinquent. I have had the same XXXX XXXX account and phone number since XXXX and I am up to date on all of those charges. I don't know if the two are related but it is interesting timing. 

That said I wish to dispute this claim as it is the only negative blemish on my credit score.
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2020-12-02
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. (CA)

Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XX/XX/2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

My father passed away on XX/XX/XXXX, and my brother passed away a month later. We weren't aware that my father was in trouble with the mortgage company until we received a notice of the property going up for sale. My father was a very ill man and wasn't able to communicate very well due to his illness. We contacted the attorney for the bank on XX/XX/XXXX and were advised that they were unable to stop the sale on XX/XX/XXXX of the property as my father was served prior to his death. We also contact the bank and they refused to speak with us as we are not authorized on the account. I tried explaining that my father had passed and would like the opportunity to come to some resolution and they refused to speak with me or my other brother. As I had stated my father was very ill and he did not let anyone know that he was having trouble with the mortgage or that he was aware of the situation occurring. We are asking for more time in the property so we can resolve this issue by either a repayment plan or a short sale. I and my other brother are currently living on the property and I do not want the last thing my father had to be lost to foreclosure.
Consumer complaint received 2020-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: National Account Services, Inc. (IA)

I went to XXXX  XXXX University and have a small loan that is dealt with by XXXX  XXXX XXXX. I paid off the loan early - I believe my final payment was mid XXXX. I paid the balance on the loan per what XXXX had on their website. I logged on to the same website about a week later and saw I had overpaid by a little over {$9.00}. I had not received any further information from XXXX so I called them on XX/XX/XXXX regarding the refund. They advised that I had overpaid but they couldn't refund me anything under {$25.00}. 
XXXX  submitted a request to XXXX for a refund of the {$9.00}. Today ( XX/XX/XXXX ) XXXX  informed me XXXX is refusing to refund me the money I overpaid. I have contacted the XXXX financial office with no reply. I believe they should refund me my money since this appears to be an error with XXXX. Again I paid the balance of my loan per what their website said I owed the day I paid off the loan yet they've advised me I somehow overpaid. If their balance was correct then I wouldn't have overpaid.
Consumer complaint received 2022-12-19
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. (MN)

The following accounts on my Equifax and XXXX credit report was reported as lost/stolen : XXXX XXXX XXXX , {$1100.00} and XXXX XXXX XXXX , {$760.00}. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX  XXXX XXXX and XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX , XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my Equifax credit report is fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2022-03-15
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

During COVID19 I lost my job of 30 years and was paying my bills the best I could and in XX/XX/XXXX and XX/XX/2020 I had those 2 months that I was having trouble making my payments however they did get paid within 1 to 2 days after the 30 days of being late but I tried to make the payments before it got over the 30 days late but wasnt able to do so. I called and ask them to please take those off my credit report because I could not help I lost my job.
Consumer complaint received 2022-04-06
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. (CA)

Hello, I have a Citibank issued Best Buy Visa Card and for several YEARS, they have been charging me for a " credit protection '' service that comes up as " DEBT PROT XXXX '' that I did not authorize or agree to. The payments alone have been {$90.00} or so dollars a month. I noticed these charges last year in XXXX of 2021 and I asked them to unsubscribe me from this enrollment. They only did that for one month and resumed charging me around {$90.00} a month ( changing the amount monthly ). I called to dispute the charges but they keep telling me lies about my account. First they say my account isn't open, then they say they cant find it, then they accuse ME of fraud, then the woman on the line kept either hanging up or " transferring '' me to different departments where I would be disconnected. This is clearly a fraudulent scam on Best Buy and Citibank 's end and it needs to be resolved, not just for me but for ALL of their customers. 

XXXX.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I received a text from Wells Fargo asking me to verify a transaction. So when I went to log in my account, there were a lot of transactions that werent authorized. I filed a claim that same night and they said that they will be on it. I called this morning of XX/XX/2023 and now they arent giving me a clear indication of when I could expect any of my funds and the resolution besides the standard blank statements they tell everyone. It is now the 8th business day and I only received {$85.00} of the money that is owed to me since the claim has been opened. Their 10th business day policy and it looks like they trying their hardest for me not to have my money. Fast forward, it is now XX/XX/XXXX and they have closed the cased saying i reported the transactions out of the 60 day window when I have evidence that is was within the time period. On the contrary, they credited me the {$58.00} that was supposedly from last year that they said they werent going to credit. Now they are saying they are not giving me nothing that was within the 60 days. Thats backwards and I want them to know how terrible their bank is. I still want my money Im owed. If it isnt resolved by the end of this week, my next step is legal action.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

I had a student loan for years with wells fargo, and it just recently in XX/XX/XXXX was transferred to another loan servicer called XXXX " XXXX. '' However, right before this happened, I was on a covid-19 forbearance since mid XXXX, and I called in to initiate it. The Rep explained that I didn't have to worry about payments as long as I was on the forbearance. 

The issue is that I asked in XX/XX/XXXX if there was additional forbearance available to me due to covid hardships, and I was told there was not by the rep at Wells Fargo. They also told that there was nothing they could do because the loan was transferring in the next 2 months. Because of their inability to help me, I could not make my monthly payments for XXXX and XXXX on time. 

But after my loan was transferred to XXXX XXXX, XXXX confirmed that I had forbearance available to me the entire time with wells fargo, and could somehow take advantage of it now that the loan had transferred to XXXX XXXX 

Wells Fargo again has taken advantage of it's clients in hardship, and refused to abide by their own terms and conditions because they didn't want to process a forbearance before a loan was transferred. They lied and said there was nothing they could do, and that I had no forbearance available. XXXX XXXX filed a dispute with wells fargo on my behalf, but as soon as the loan transfer was complete, wells fargo refused to fix their mistake and claimed the student loan department was dissolved except for existing loans not already transferred. 

Due to the negligence, lies, and deception of Wells Fargo 's refusal to process my available forbearance, I have a late payment for XX/XX/XXXX, and XX/XX/XXXX. I want these late payments removed immediately. I haven't had a late payment since XXXX, and had to file Bankruptcy at the beginning of Covid as well. This is seriously hindering my ability to build back my credit, and should have never happened in the first place. It's shameful. 

I was able to use the forbearance time I accrued at wells fargo with XXXX XXXX immediately to backdate and start at a zero balance moving forward. But they said they could not delete wells Fargo 's payments no matter how hard they tried. 

Do you know how bad it looks to go through bankruptcy and still be missing payments while trying to rebuild credit. It's been an uphill battle ever since and should have never happened if wells fargo just did the right thing.
Consumer complaint received 2023-08-11
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-12-22
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)

I have been sending letters to Equifax in regards to an alleged XXXX XXXX  asking them to verify an alleged debt, but they have failed to do so. I have asked for them show me their Method of Verification and they did not send it. I am worried that they are not actually investigating my dispute and are using the e-Oscar system instead, which I did not consent to.
Consumer complaint received 2022-01-05
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.