davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

My account has been in a hardship payment program since XX/XX/XXXX with monthly auto-payments. I've made every payment for a year. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/XXXX when XXXX XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since XX/XX/XXXX, I've made 4 calls to Citi Cards hardship department to have the monthly amount lowered as I can not make the current payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citi Cards acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
Citi Cards would not help lower the monthly payment amount over the phone & they sent me a letter saying they wouldn't help. 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/XXXX & to file a complaint with the CFPB.
Consumer complaint received 2020-06-23
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. (MO)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my reportXXXX XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Clarkson Law Firm, LLC (SC)

This information was deleted off of my credit I was mailed a copy and XXXX XXXX who was the original debt collector and now I have another debit collector trying to get payment to pay off the debit. I spoke with Clarkson Law firm advising I am unable to pay the full amount {$1800.00}. They sent a summons before I knew Clarkson and XXXX had the debit. The original lender did not contact me for payment and it was obviously sold to another debit collector. Now that I had it disputed here I am with a summons that I believe should not have been sent. I reached out but they could not help me settle this payment. I advised them due to covid-19 and unemployment I could settle for {$200.00} they declined the offer.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (VA)

I've been using care credit card now for well over a year and they say they dont charge you interest on using the card until after a 6 month deferment on using the card for paying for vet care, I've been experiencing them charging me outrageous interest rates that I was understood to be capped by the federal government. I've questioned them over and over and they still continue overcharging me interest, I owe around 6800.00 and by their estimate with interest I'd be paying them well over 20,000. There is something seriously wrong with this company and the interest rates they are charging me, if you all cant fix this and do something about this I will have to file bankruptcy. the last time wasXX/XX/2020 I had two purchases that were ending there promotional phase with no interest, the purchases were over 1000 dollars and they charged me {$610.00} just in interest on this. Please find out what is going on with care credit. Thank you.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

Let 's month, I mailed XXXX XXXX a certified letter requesting that they verify the debt of {$200.00} which is on my credit reports. They have not responded and it has been over 30 days.
Consumer complaint received 2020-06-24
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. (NC)

MY INFORMATION WAS STOLEN AND USED WITHOUT MY CONSENT SOMEONE OPEN A MORTGAGE IN MY NAME, CELL PHONE AND RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX. On XXXX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2020-06-23
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (NC)

This complaint is in regards to harassing phone calls that i have been receiving from Ally Financial in regards to an auto loan that i currently have with this company. I been starting to have issues beginning with XXXX of last year. I had fell slightly behind with my auto loan in XXXX because I had a financial emergency. I have called Ally and explained what was going on and how i will be addressing the situation. However this company continues to call my phone repeatedly multiple times a day and leaves multiple messages a day and even got to the point of calling family members. I have called them on a few occasions to let them know that i do not want them calling my phone multiple times a day and not calling my family members at all. They have not to my knowledge called anymore of my family however they are sending text and repeatedly calling my phone.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (NY)

I have a NY State Unemployment Benefits card that was forced on me and serviced by XXXX. I made a {$400.00} bill pay to myself test and it went trough. I then went and made a {$6000.00} transfer of all the funds I was unable to get off the card in another way. I have been trying to get in touch with their dispute department ( who I was told I had to speak with ) via XXXX  and the phone. No luck. After 4 hours on hold I still have no one. I am missing my money, they don't answer the phone and I need help
Consumer complaint received 2020-06-23
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)

I disputed the account XXXX XXXX XXXX XXXX XXXX act # XXXX with Equifax, XXXX  and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX   XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 2020
Consumer complaint received 2020-06-23
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. (LA)

XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.
Consumer complaint received 2020-06-23
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. (TX)

I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo holds my mortgage. 

I deferred payment due to Covid-19. It's a rental and tenant moved out. Instead of renting, I am selling. Made a payment XXXX that is showing on their statement as " unapplied '' ( {$3900.00} ). This unapplied amount is therefore not offsetting the principal balance that they gave the settlement company. 

Why they didn't apply the payment is beyond me. Why else am I paying? And why can I not indicate how to apply the funds on their website, when they don't have the staff available to talk by phone? 

I am unable to get a response from them at all. I tried fixing it through their website, but there is no option to make this request. I have been on hold with them for 4 hours over the last two days - and yet to get a person. I did submit an online complaint. Response : " We take complaints seriously and will attempt to call you within 2 business days to discuss your specific issue. We will also send you a letter through postal mail confirming that we received your complaint. '' I don't need a letter. I need a problem solved. Typical Wells Fargo. Unacceptable.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (OH)

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Consumer complaint received 2020-05-29
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. (WA)

In XX/XX/XXXX our mortgage was paid in full due to a refinance. In XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) reported a 30 days delinquency for XX/XX/XXXX, XXXX has not corrected my Equifax and subsequently reported another 30 day delinquency for XX/XX/XXXX despite my account being closed and paid in full with never being late and XXXX  claiming the issue is corrected. I am on the verge of losing a real estate transaction.
Consumer complaint received 2020-06-23
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. (NC)

I disputed the XXXX  account act # XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$97.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$97.00} ) is. I have never signed an agreement with account XXXX ( {$97.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$170.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$170.00} ) is. I have never signed an agreement with account XXXX ( {$170.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$83.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$83.00} ) is. I have never signed an agreement with account XXXX ( {$83.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$92.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$58.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$58.00} ) is. I have never signed an agreement with account XXXX ( {$58.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX is. I have never signed an agreement with account XXXX. They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent information remains.
Consumer complaint received 2020-06-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TX)

I mailed the following letter on ( XX/XX/2020 ) to The XXXX XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. I had made the necessary rehabilitation payments, and provided the collection agency with the receipts, agreement, and contract. I included tracking with USPS to verify it was received by the dept of debt management, yet they deny that I made any payments. The letter is as follows : " To whom it may concern : I am writing the letter to request a hearing for my rehabilitation agreement with Pioneer Credit Recovery. I completed the rehabilitation program, and have provided copies of : The signed agreement The 9 payments made and received ( as per the MYEDDEBT.ED.GOV site ) Any correspondence Pioneer Credit Recovery sent to me ( receipts, etc. ) However, after completing the rehabilitation program ; the status of my loans never changed, thus making me ineligible for Title IV aid. I would like to have a hearing with someone who is independent of the Department, so that I may present my objections regarding the amount/existence/status of my loan. 
Should you have any questions, or would simply like to touch-base, please do not hesitate to contact me at ( XXXX ) XXXX or by e-mail at : XXXX. 
Warm Regards, XXXX XXXX '' I mailed the documents ( see  attached USPS receipt w/ tracking number )
Consumer complaint received 2020-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (AL)

They set me up on a repayment plan but due to everything that's going on and me just having XXXX im not able to make the payment I told her before the date that I get paid on the XXXX but her response was ( that's not our problem the repayment plan is a very sensitive matter and can't be stretched out to the XXXX ) When I clearly told her I can't pay till the XXXX. I even emailed there Lawyer and told him/her.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (PR)

i was a victim of identity theft 2 years ago and everything still on my report. i went to the police and police report is made, identity theft is made now im procedding with the cfpb report i really need to get all these account removed from my bureu. midland credit managment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CITIBANK, N.A. (WI)

XXXX illegally auto-renewed the Sunday XXXX service on a credit card I had on file with them after I had already cancelled it at the end of the previous season. I did not know about the charges until a few of them took place. I disputed all the charged with CitiBank after reading the fine print, confirming my cancellation. All disputed charges were correctly resolved, with the exception of one from XXXX. Since then ( it is now XXXX ) I have been calling to resolve this. CitiBank decided to charge me late fees and interest on a charge I never made and I have spent hours on hold with them, specifically more than 2 hours every other week for the past 4 months. On XX/XX/XXXX, after my 5th phone call - they constantly disconnect or lose calls and even after several requests to get called back if this happens, I talked to a Dispute representative and she told me " I have processed the credit for the disputed charge. The late fees and interest will be resolved and your account will be a {$0.00} balance. You will receive a letter in 3-5 business days that explains this. '' I then asked about reopening my account - which had been cosed for " non-payment. '' She said she put in that and it would be reopened and I would recieve another letter in 5-7 business days on the status of my account. Instead 2 days later I received an email that my request to reopen my account was denied. Today, XX/XX/XXXX, I received a letter in the mail with a new account balance. On the same day, I received note that I was turned in to collections for {$150.00}. So not only did she not credit my account for the disputed amount and only charge on the account, all the interest and late fees still exist and they turned me over to collections. I have spoken to a customer service manager who told me that he is unable to view my account since it went to collections. I asked who I can speak to at the company that can access my file, in its entirety and resolve this for me today. His only suggestion was to speak to collections. They are only going to ask me for a payment and I am not paying for a service illegally charged to my account. Just today I have been on the phone with them for over 2 hours trying to resolve this.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Citi Bank will reduce your credit limit with no warning whatsoever. This impacts my overall credit score. 

I had great credit. I was a day late on one payment. Citi Bank basically " reviewed '' all of my accounts and reduce my available credit for arbitrary reasons. I have not had any credit problems up until that point. 

I know you will say you should've paid your bill. I understand, I was late one day. They basically have locked my credit down. Made my credit score go from almost 800 to XXXX in the matter of one month over one payment. 

Credit card companies should not be able to do this over one payment.
Consumer complaint received 2020-06-23
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: ALLY FINANCIAL INC. (OK)

Ally hired XXXX XXXX XXXX to collect on an alleged debt for about {$3300.00}. They advised me they are authorized to collect and I verified this with Ally. I settled the alleged debt in FULL for  {$1300.00} on XX/XX/2020. I have the letter from their authorized representative stating this. I have disputed with all three major credit agencies and Ally continues to damage my credit by verifying false information. Here is the quote from their representative : " We are an authorized representative for Ally Financial. This letter is to confirm receipt of your final payment of {$1300.00}, received on XX/XX/2020. Upon clearance of funds, the above-mentioned account will be closed as settlement in full. '' The document I have attached, that the company sent me as proof of payment in full, is protected with the last four of my social security number and can be opened with that 4-digit number.
Consumer complaint received 2020-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I use the app XXXX  to help me save money and now I am being told Im not allowed to link my bank account to this app. This app saves money for me and also helps pay on my credit card. I have been using it for well over a year and absolutely love it and have had zero issues with unauthorized access to my bank account and so forth and would like to continue to do this.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AL)

My account with JC PENNEY was closed by their bank Synchrony. I was a member since 2019. I made my payments on time or paid off early. They first lowered my limit from {$500.00} to {$100.00} base off my credit report.Now ; they closed the account off my XXXX credit report. As of today ; credit score is almost 700 ; not XXXX. I feel discriminated against due to the way they evaluated me as a customer. I could see if I was late all the time or not paying at all ; then, I deserve to be terminated.XXXX was 2 months ago. With them closing my account helped contribute to my credit score being dropped. I have had other credit cards increase my limit just this year due to good payment history. Something is wrong with picture. They obtain my report from XXXX.