davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (RI)

I had applied for a Citibank credit card in XXXX and I was supposed to receive the card in 7-10 business days but I did not receive the card. 
I gave a call to the customer care and informed the same. They mentioned that they gon na expedited the card by charging some amount. It should be sent in couple of days if I pay that and I said okay to that and asked them to debit the same from that card. 
Even after 7 days I did not receive the card and again I called the Customer care and informed the same. Again they mentioned that for new application they can't expedite the card and I should receive in 7-10 business days. I waited but still I did not receive after 10 days. 
When I inquired they said something is wrong and they gave me another option, like cancel the old card and issue a new card and they gon na expedite that card. Even I did not receive after 10 days. 
I called again and they said they will activate the account and send a new card in couple of days and that employee has assured me this time that there will be no mess and mistake will not be repeated and he even gave his employee id and told that I should receive the card in 2 days. 
Even after that I did not receive the card for another 7 days. Again I gave a call to so called customer service ( where they don't do any service ), She mentioned that the card was sent and need to wait for another 7-10 business days in an arrogant tone. I was asking for the solution and compensation and she rudely told wait till that date and if you dint receive then call us back. 
After that date I gave them a call again and she mentioned that you should receive by next business day and she transferred the call to his supervisor. 
He was not even giving any solutions and he was just saying the same thing repeatedly that I should wait for the card. 
I was asking for the solution and gave them couple of options as well and he told that nothing can be happened and only thing is wait for the card. 
I told him that I gon na complaint and took his details and he told that I can proceed with the same. 

Short story is, I applied for the card and waited for more than 60 days and also spent more than 7-8 hours on the calls with the customer service guys. They themselves don't have the clarity and sufficient information. Each person gives a different story when I call them each time. 
I even checked the address and everything looks right and applied the card and waiting longer and longer but did not receive the card. 

CITIBANK customer service guys don't know how to treat the customer 's and they don't know what options they can provide to customers. 
Worst service and worst experiences with Citibank. 
As a new customer, I repent for joining Citibank. 
Hope they don't repeat the same with other customers.
Consumer complaint received 2019-11-06
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. (SC)

I notified Equifax by mail that account XXXX   XXXX {$3500.00} is a fraudulent account and stems from identity theft. I submitted a fcra 605 ( b ) letter requesting the account be blocked and removed from my credit file. Along with the letter was the id theft report. I did not receive communication from Equifax notifying me that the block request under fcra 605 ( b ) was not honored and stating a reason why. Equifax then placed a fraudulent account under regular dispute. 

This fraudulent account should be removed from my credit file due to not notifying me in writing within the time frame under fcra 605 ( b ) if a block and deletion of this account was rejected. If this account is still on my credit file from 7 business days of Equifax responding from this complaint. I will sue Equifax in small claims court for fcra 605 ( b ) violation and punitive damages.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (GA)

I notified money network card services of charges that were not mine they did an investigation and they informed me that the company for the charges gave my name and address. But when asked what name and address the company gave card services stated my name and my new address. But my new address was not my address when my card was used. So I sent two emails trying to get card services to revisit my case but I keep getting the run around. I spoke to several reps who said my email was recieved and I have to give the dispute department 90 days to make a decision but I can call every week for updates. OnXX/XX/2019 I was informed no emails have been recieved. So now they want me to submit another email but with all the false information how will I really know someone is working on my dispute for real. The card services also closed my case with their so called finding. I need to know that someone is looking into my request that I did not give permission to use my card for a purchase at XXXX.
Consumer complaint received 2020-02-13
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: Resurgent Capital Services L.P. (CA)

On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, LVNV FUNDING - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX {$2900.00}.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have submitted multiple complaints about XXXX XXXX and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a XXXX XXXX and how they still sell cars that were in accidents without telling customers. 
Not giving a XXXX XXXX was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. XXXX didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

The online VIEW CHECK does not work. It has been broken for over a year on the citibank.com site. I have reported this problem on several occasions and Citibank has done nothing to fix it. Cancelled paper checks are no longer provided to customers. The only way to see a cancelled check is online and printing it from online banking.
Consumer complaint received 2019-03-12
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: JPMORGAN CHASE & CO. (NV)

Online purchase in XX/XX/2018 for Product : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX  ( XXXX '' Diag ) ( XXXX ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX '' XXXX ( XXXX '' Diag ) ( XXXX ) In the amount of Total : {$100.00} Have never received item ordered!!!
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NY)

In XXXX, I paid " XXXX XXXX XXXX  '' located at XXXX XXXX XXXX XXXX, FL XXXX, the agreed upon amount to close my collection account. The collection was still being reported on XXXX back in XXXX, so I called to see what the issue was, and XXXX XXXX XXXX  informed me that everything should be all cleared up. It is now XXXX and my account is still showing up as in collection on XXXX, and I would like it removed as it is rendering me unable to apply for new credit.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (WA)

Starting in XX/XX/XXXX, XXXX XXXX payment system ( XXXX ) started to reverse my auto mortgage monthly payments. I was charged late and returned check fees as a result. I contacted their Services group and was told the following : 1. " The bank accounts I used did not have the correct account number ''. I told them the bank account I used had been set up since the beginning of the loan, about 5 yrs ago and there had never been any problems with money being transferred into Flagstar until now. 
2. " The bank I used did not have sufficient funds ''. I forwarded my bank 's history record to show there were plenty of funds to pay when the transactions took place. 
3. " My banks did not send them the money because of " not authorized '' transactions ''. I had to forwarded my bank 's history ledgers to show my checking accounts had been debited which shows the money had been sent to Flagstar. 

Due to advice from # 1, I changed my bank on XXXX to 2 other banks to continue paying the monthly mortgage. Both had the same issue. So 3 of my banks had same issues. Flagstar kept reversing my payments with the same above excuses. I told them it was my banks it was their system. 
When Flagstar reversed the payments, the funds that my banks sent to them were never returned. My banks says they had sent the money to Flagstar but never received any notifications the money is being returned. In order to credit back the money my banks had to initiate their own investigation and perform a Dispute before my money could be credited back into my account. 

I talked to about 10 services reps and 2 Supervisors. None can help explain why Flagstar keeps reversing the payments. Each time this happens I get charged a Returned check fee. Because no one at Flagstar can resolve the issues and my money was taken from the checking accounts to pay Flagstar but was not returned when they performed a Returned check I decided to payoff my loan. I don't trust Flagstar to manage my loan anymore. 

In XX/XX/XXXX, I follow the payoff procedures and obtained the Payoff value from Flagstar. With the payoff, Flagstar confirmed my loan was paid in full and the Deed of XXXX was sent to me with an Escrow refund. When I cashed the Escrow refund check, Flagstar had put a stopped payment on the refund check and told me I still owe them money. If I don't pay then they will rescind the release of the mortgage/trust. 

Because of the many reversed payments performed by Flagstar I feel they still have not returned all my money and that they still owe me money. I can not get anyone from Flagstar to work with me on the accounting for the money. They keep passing me to other people and each time it gets more confusing and more paperwork is required. 

As of XX/XX/XXXX, I still don't have my refund money.
Consumer complaint received 2019-03-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HomeTown Lenders, LLC (AL)

We started a morgage with home town lenders out of XXXX AL the second week of XX/XX/2019. 
We chose to change companies when the broker we are working with left home town lenders. 
I have contacted them through two different individuals both with emails so it would be in writing that we have chosen to leave and go with another lender. 
However we have gotten the run around over our appraisal needing to be released to our lender, they will not even let me know the full cost so that I can pay for it. 
Home town lenders is supposed to work for their customers correct? 
Their doing nothing but causing us unwanted grief I feel because we decided to move to another lender. 
I contacted their cooperate office today, and still have no updates, I feel they are dragging their feet because they know they can. 
Could you please help us receive the cost total so we can pay it and help us be sure they forward the appraisal document so you can close on our house. 
Thank uou
Consumer complaint received 2020-10-07
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. (GA)

I have tried to have Equifax remove XXXX off my report since last year, the account was fraud and it is still showing open with no info since last year. I got in touch with XXXX age they informed me to dispute the account on my credit report and I did as told. on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. At this point I feel like they are not doing there job due to how can an account come back verified when I have Informed them that it was fraud multiple times. the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP Account to be removed off my credit report. Due to the account was opened fraudulently.
Consumer complaint received 2020-10-07
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: GOLDMAN SACHS BANK USA (CA)

Apple & Goldman Sachs have failed to address their mistake that has impacted me. I followed up to dispute a transaction on my credit card. It has taken 6+ tries to get this addressed. This has been going on for months. Initially the attempts I made to follow up would eventually get disrupted by letting me know I was being transferred only to find out they were no longer transferring me. This happened 5 times in a row. I was following up consistently and this process was inefficient. When I finally thought this was addressed Apple  tried to charge me the {$300.00} transaction several months later. There was no given explanation why they moved forward with this. When I tried to follow up they said they emailed me requesting for further evidence, which I gave them on my own accord previously. They said I needed to respond to the email they sent requesting this. I asked for the date the email was sent because I received no such email. They could not provide the date. Now I'm in the process of trying to get this addressed. I asked to speak to a supervisor otherwise to get transferred to the dept. to close my account. They kept stringing me along until I said if I'm not transferred I'll take this as a threat you're holding me hostage as a customer when you can not help me nor do I want to be your customer. I was unable to close the account at this time because they are unable to address the charge that was already settled in XXXX. I informed them this was fraud that they kept trying to charge me for something that was previously addressed. I was told a supervisor would call me today at the latest XXXX XXXX. I have not received a call and have emailed Apple once again. I am unsure of how to proceed because they are passing the buck and are trying to tire me out from following through or something.
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (FL)

I applied to a rental company managed by XXXX  XXXX   XX/XX/XXXX. I was notified that I was denied and I can receive a tenet screening report from XXXX and have them submit a Consumer dispute form the Experian Credit Reporting Bureau. I have received the tenement screen report showing unknown and unauthorized Bank accounts, Loans, Credit cards, Rental property deficiencies with past due balances, along with Civil cases reporting of unknown evictions and possessions. From XXXX to XXXX I was Mentally, Physical, and Emotional abused by an Ex-Partner who had full access to all my personal information SSN, Date of birth, copies of my ID, ect. At the time He would take care most of our financial bills and other obligations. After XXXX I had to remove my self from the relationship, and while doing so I was being victimized and had to call authorities where He was arrested and charged with XXXX and XXXX XXXX. Since the my physical address has been my current address. I am pursuing to file charges against Him currently for these unauthorized accounts and tarnishing my credit and name. Experian, XXXX, XXXX  has all been updated with this information. XXXX  has the most correct updated information that I, and I only authorized. Experian unfortunately when being contacted isnt all that friendly has not updated anything I have disputed. Im XXXX and Ive been a month fighting homelessness awaiting Experian to remove the fraudulent accounts from record. I called to see if I could receive a reasonable accommodation to have the information redacted, they denied. I really need these fraudulent items on my Credit report removed immediately.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX  XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THERE ARE INQUIRIES EVEN WHEN CALLING TO SEE WHY THEY ARE THERE THEY CANR FIND INFORMATION UNDER MY NAME. THE INQUIRIES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ( FALSE INSURANCE DOCUMENTS, MISSING MY SOGNATURES, DAUGHTER DOWN AS BENEFICIARY WITHOUT CONSENT, MOTHER DOWN WITHOUT CONSENT, SHOWS MANSLAUGHTER ETC PROTECTION ), XXXX ( HAS AN ACCT USING MY MINOR XXXX YR OLD SON SSN ), XXXX AND XXXX REPORTING UTILITIES AND FUEL ( DEF FRAUD ), XXXX REPORTING THE WRONG EMAIL, ADDRESS, NAMES, FRAUD STUDENT LOANS ( THEY WONT LET ME UPDATE THE CPRRRCT INFO, IRS AND XXXX XXXX FROM XXXX HAS INQUROES, RESELLER FOR RESIDENTIAL PROPERTY, THE ONLY THAT HAS SENT MY COPY OF REPORT IS TRANSUNION AND INSIDE THE ENVELOPE IS SHOWS THREE REPORTS WITH 3 DIFFERENT ID NUMBERS, ALL THESE STUDENT LOANS, REPORTING FALSE PHONE NUMBERS XXXX, FALSE ADDRESSES, A NAME I NEVER USE XXXX XXXX XXXX, THEU REFUSE TO PLACE MY RESIDENTIAL ADDRESS DOWN WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, THE CONSUMER STATEMENT SHOWING XXXX IS MY MOTHERS OLD NUMBER LINKED TO HER AND MY FATHERS DEBT XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, TRANSUNION REFUSES TO UPDATE INFO AFTER IVE SENT 3 TIMES ( MAIL FRAUD DUE TO THEM NEVER RECIEVING MY MAIL ) XXXX XXXX REPORTING THE WRONG ADDRESSES LINKED TO XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX SC XXXX, BRAND NEW STUDENT LOANS WHEN IVE NOT BEEN IN COLLEGE IN ALMOST 10 YRS, XXXX REPORTING A BREACH ON MY INFO BUT DUE TO MAIL FRAUD THEYVE NOT RECIVED MY DOCUMENTS FOR ME AND MY KODS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS 9 DIFFERENT USER ID INFO WITH INNOCRRECT SSN, MAILING ADDRESSES, PHONE NUMBERS, THERE ARE FALSE/FAKE SOCIAL MEDIA ACCTS ON XXXX XXXX XXXX XXXX PERTAINING TO MY BREACHED COMPANY XXXX XXXX THE CREDIT REPORTING AGENCIES WONT SEND ME A COPY EVEN WHEN IVE PAID OF MY COMPANY INFO TAXID XXXX XXXX   XXXX WHICH IS REPORTING MY PERSONAL CREDIT REPORT, EMAILS ARE BEING COMPROMISED MY MAIL IS COMING IN 3 'S AND ALL MY IRS AND XXXX XXXX MAIL IS BEING OPENED AND POSSIBLY SWAPPED WITH THE WRONG INFO, ALL INSURANCE INQUIRIES ARE FALSE, ALL XXXX, XXXX XXXX BELONGS TO MY FATHER, ALL STUDENT LOANS BELONG TO MOTHER AND SISTER XXXX XXXX XXXX, XXXX XXXX XXXX HAS MY MINOR CHILD XXXX XXXX XXXX LISTED UNDER MY ACCT, XXXX XXXX XXXX IN XXXX HAS MY FULL NAME AND DAUGHTER SSN LISTED WITH LINKED MEDICAL RECORDS THEY WONT GIVE ME ON FRAUD RETURNS, XXXX IS MY MOBILW CARRIER BUT XXXX XXXX  ACCTS KEEP POPPING UP
Consumer complaint received 2020-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CNG HOLDINGS INC (NC)

I leased a refrigerator from The XXXX outlet store located at Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. I exercised my early purchase option on XX/XX/XXXX and paid off my lease. I then decided to cancel my 5 year XXXX purchase plan warranty on the same day. ( cost of XXXX ). I started making phones call at XXXX XXXX est on XX/XX/XXXX, after being transferred multiple times, and dropped into different call queues, I was able to get the warranty cancelled, HOWEVER I am now being told that I have to wait 15-21 business days in order to receive a CHECK for {$590.00}, because it is there policy to issue a refund to the method of payment that they have on file. THE METHOD OF PAYMENT ON FILE IS MY DEBIT CARD that I have been paying with since XX/XX/XXXX. It does not make sense that I have to wait all of this time to get my money back! They need to issue my credit onto my card. I received a series of conflicting answers through out this entire process from both the people the XXXX outlet, TEMPOE, and WHY NOT LEASE IT ( same company ) horrible customer service, incompetent people, and poorly trained. I also found out that the address they have on file is incorrect on the first go around, the rep said he fixed it, but when I called back, it is still wrong. So whatever check they are sending me, will not reach me!!
Consumer complaint received 2019-08-08
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: BB&T CORPORATION (AL)

I received my credit report in XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You recently disputed certain information contained in your credit report and requested that we conduct an investigation. We will not be able to investigate this dispute per FCRA as it relates to an inquiry or request for a consumer report. '' This is a direct violation of my rights under FCRA 611.