davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

Hello, I am writing with hopes that you may help to resolve this problem. My husband and I applied for Bankruptcy in XXXX  due to our unfortunate circumstances. Citibank was one of the debts that was included in the Bankruptcy. Currently we are trying to sell our home and when the bank ordered a Title Report, the report included Citibank as an issue. I reached out to Citibank in an email, because that was what I was directed to do after I made a phone call to them. I was then instructed, by Citibank to write a letter to Citibank and state what my issues were and how I can settle with them for a Lien release. I offered them {$3000.00} for the release and I havent heard from them since. I would like to resolve this issue with them but I feel that they are not interested. I tried to call them and when I spoke with someone at Citibank recently they told me that it looks like this account was discharged from their system and then told me to start over again with the exact information I sent them in the first place. I feel they are delaying me and putting me in a perpetual circle of not being able to complete this issue. I will include all documentation for you to see. Also, this debt was already discharged in our bankruptcy.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

We received approval by IHAF due to XXXX to reinstate our mortgage and pay 6 months of payments. On XXXX/XXXX/2022, the agency paid {$12000.00} to XXXX XXXX XXXXXXXX XXXX failed to notify IHAF at closing that our mortgage had been sold to Shellpoint Mortgage Servicing on XX/XX//2022. IHAF paid additional mortgage payments in XXXX, XXXXXXXX XXXX  XXXX of {$2000.00} each to XXXX. I have advised and documented the above with Shellpoints point of contact representatives. Instead of attempting to have XXXX transfer these funds to them, Shellpoint has continued to harass us and threaten foreclosure. Ive contacted IHAF repeatedly regarding this. Their attempts to resolve the issue have been fruitless. We are older adults and believe this company is preying on us in an attempt to receive duplicate mortgage payments. We have received threatening letters and phone calls. It is wearing us down. It is clear that Shellpoint and XXXX are mismanaging government funds that were meant to assist us. I would appreciate your help. Thanks
Consumer complaint received 2023-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I opened a CitiBank XXXX XXXX account on XX/XX/XXXX that had a bonus of {$150.00} for depositing $ XXXX and {$450.00} for depositing $ XXXX. I have been a CitiBank customer since XXXX using their XXXX XXXX  credit card weekly. 

I initially funded my account through a XXXX XXXX savings account with {$10000.00}. On XX/XX/XXXX I transferred funds from my personal XXXX account in the amount of {$10000.00}. Those funds were from my XXXX. I sent over another $ XXXX from XXXX XXXX, and then moved {$6200.00} from Citi to my XXXX checking account. My current balance with CitiBank is {$25000.00}. 

On XX/XX/XXXX I was informed that my savings account was being closed for suspected fraud and my credit card was closed as well. The transaction in question was the {$10000.00} that came from XXXX. Citi claims they could not verify funds came from an account I owned. I can't help that the deposit did not say my name. I'm sure I'm not the first Citi customer to transfer funds from XXXX. In order to make the transfer XXXX made XXXX small deposits and a withdrawal from my account which I verified through my XXXX account. That should have sufficiently proved my ownership. 

I called Citi to get this cleared up and was told they were not interested in my providing proof of my ownership of that account and my accounts would be closed. 

I now have to wait XXXX XXXX to receive my {$25000.00} from my account. I have bills to pay in the meantime and can not wait that long. There are no Citi branches in my state to travel to to get the money sooner. It is absurd that they offer a bonus for a large deposit and then close my account when I try to follow their rules for the bonus.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Conduent Incorporated ()

This complaint is in ref to the Georgia Unemployment Insurance ( UI ) Way2Go Debit Master Card operated by Go Program, issued by XXXX XXXX. 
My weekly unemployment benefits claims began XX/XX/20, as of today XX/XX/20 I elected to receive my benefits via direct deposit from the beginning. Therefore I never activated the debit card sent to me in the mail. I destroyed and disposed of it upon it's arrival. Somehow my direct deposit choice didn't take and the system continued to put money on the destroyed card for weeks of XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I've made endless attempts via phone and email to the DOL as well as the Way2Go customer ser # XXXX, this number sends you on a goose trail, it asks you for the card # and if you don't have one press the # sign then the same message repeats itself and you never get to speak or leave a message. This is very frustrating.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc. (KY)

On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX XXXX  from CarMax Auto XXXX XXXX in XXXX, Tennessee. At the date of purchase, the XXXX XXXX XXXX odometer reading stood at XXXX miles. The vehicle held a CarMax limited warranty. During the purchases of the XXXX XXXX XXXX, I also selected an extended warranty through CarMax 's MaxCare for coverage of up to an odometer reading of XXXX miles.The CarMax MaxCare warranty was factored in my car loan, increasing the monthly payment total. The optional extended service contract listed under the itemization of purchase shows {$1700.00}. I only opted to use the MaxCare coverage for a wheel bearing replacement that ended up costing no more than {$350.00} CarMax Finance Services says that " a customer may cancel MaxCare at anytime to receive a prorated refund. '' Therefore, on XX/XX/XXXX at XXXX XXXX, I contacted CarMax Customer Service at XXXX ( XXXX ) XXXX to cancel the MaxCare coverage due to the odometer reading for the XXXX XXXX XXXX crossing the XXXX miles warranty limit. I was told by a CarMax MaxCare agent that ( 1 ) since the XXXX XXXX XXXX 's odometer reading had reached XXXX miles, the meter effectively cancelled the XXXX warranty coverage for the car, plus ( 2 ) since I had used MaxCare already, even if for a small vehicle repair purchase, that I could not receive a refund for the cancellation, and finally, ( 3 ) I would not be able to stop the monthly payments for the MaxCare warranty coverage because the coverage amount had already been factored into the life of the loan. As a customer, this is disturbing to have to continue to pay monthly payments on a car warranty that is no longer valid due to terms shuffled and hidden into a loan contract not made known to the customer. Additionally and unknowingly, CarMax has customers signing arbitration clauses designed to prevent customers from settling disputes with CarMax in court. Thus, via the loan contract, CarMax seeks to obtain its own arbitrator to resolve disputes in-house and out of court. Futhermore, in a time when car depreciation values are less than half of the loan value of used car being sold to consumers, auto dealers like CarMax are taking advantage of customers with deceptive marketing, sales, and predatory contract practices. I would like to have MaxCare charges taken off of my monthly car loan payments OR CarMax can have the vehicle returned to their possession and I be discharged from the car loan contract.
Consumer complaint received 2023-02-22
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2020-05-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

At about XXXX on XX/XX/XXXX, I was trying to sign into my XXXX account and I was unable too, after several attempts being unsuccessful, it then dawned on me someone had gained access to my email and changed the password, I was able to successfully retrieve my email address and change the password, once I fully gained access to my email, I then recalled I had received a text message earlier in the day stating my phone number had been disassociated with my XXXX   tag, I never paid attention to the text message, I had assumed it was junk text, however, due to the incident with my email I immediately login to my bank account, and to my surprise, a total of {$6000.00} had been withdrawn from my account, a transaction not authorized by me, I also immediately contacted Suntrust bank, to make them aware my bank card linked to XXXX has been compromised and there are transactions in my account for a total of {$6000.00} not authorized by me, I was informed a case ( XXXX ) was being opened and a decision will be made in 10days. 

I called the bank on XX/XX/XXXX and was informed that the investigation was done and my funds will not be refunded because the investigator found inconsistencies, I asked what were the Inconsistencies? the customer service rep said she was not aware of what they were, I informed the rep I never spoke to anyone to give details of the event that occurred outside of when I called to report the fraud, and details were not taken from me, her response was, the investigator does not have to speak me, I asked how an investigation can be done without me ever speaking to the individual involved in the situation, I've banked with Suntrust for 13years and I'm beyond disappointed at the level of service I've received thus far I've attached proof of my email account details showing it was accessed from NY also proof showing that my recovery email address was also changed by the hacker and they login using an XXXX, i don't have an XXXX, finally a screen shot of all the funds removed from my account without my consent
Consumer complaint received 2023-02-28
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: Bread Financial Holdings, Inc. (PA)

I have a fraud alert placed on my credit report because of previous hard inquiries from a bank called Comenity capital / XXXX which was resolved with XXXX in XXXX of XXXX. 
On XX/XX/XXXX another inquiry from Comenity Bank Capital showed up again this time on XXXX this time when I disputed the hard inquiry I was told that even though I have a fruad alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. 
I am a victim of repeat fraud with this particular company Comenity Capital, Thank you
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I applied for PMI deletion at Truist bank at the end of XX/XX/XXXX. I got the house on XX/XX/XXXX with a 5 % downpayment and 2.5 % rate of interest with zero points. prices have been sky rocketed after that and I have almost twice as much equity in my house. Also I have added a extra master suite to the house almost 265sqft which by itself increases the value by 20 %.

They declined the request to cancel my PMI and sent a letter saying that I can have a BPO ( Broker Price Opinion ) option done for {$150.00}. I sent a check worth {$150.00} to Truist for the BPO appraisal. 
It took them 45 days after following up everyday via phone calls to set up an agent to appraise my house. the agent appraised my house on XX/XX/XXXX. 

I called Truist to check status on my PMI deletion request and they mentioned that the agent is taking forever and its " processing '' at the moment. 

I reached back out to the agent and shockingly she revealed that her appraisal/valuation was rejected by Truist and they want to adjust/lower the valuation. ( that way they avoid my PMI deletion and me as a customer keep paying them for years to come ). 

So basically I have been paying the PMI for 3 months because of these systematic delays Truist is creating. 

And I do not even have the valuation report for which I paid {$150.00} and no call back or responses from Truist.
Consumer complaint received 2023-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

On XXXX, XXXX, and XXXX, I wrote to Professional Placement and XXXX XXXX XXXX that they wrongfully sent out the bill and do not owe the money they have built. I also informed the Professional Placement Services in a separate bill that the debt is in dispute and I am in contact with XXXX XXXX XXXX to solve the issue. However, they chose to report the disputed debt to credit agencies which are against the law. 

Before Professional Placement Services, XXXX XXXX XXXX work with XXXX XXXX XXXX to collect the wrong debt and when I wrote them that the debt is not mine and I am disputing it, they chose not to report the debt to credit agencies. 

XXXX XXXX XXXX and Professional Placement Agencies chose to ignore my requests and continue to report the disputed debt ( wrongfully charged debt ) to agencies. 
Their illegal activities do harm to me and my credit reports and need to be removed from credit agency reports.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust closed my acct with out advising the reason why. I am joint on mY daughters account and son But they dont access to my acct. when they closed my acct, they held my daughters funds and advised her to go to a branch. Nothing was resolved then today suntrust who must be Compromised advised via text that I deposited XXXX from my actual bank to there bank. But my account is closed. I didnt do that. XXXX told me to contact suntrust and make sure my email or number is removed from suntrust XXXX. I called and they say my suntrust XXXX is suspended. I want all of my information to be removed from there system they care compromised. Someone is using my info at there bank to try to deposit money. They are not helping me. XXXX my cell
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (TX)

I purchased a car from Carvana and they state that all maintenance was done on the car before purchase. After 2 weeks of having the car the change oil light came on. When I contacted them they said too bad, this is routine maintenance. I had to pay for it myself.
Consumer complaint received 2023-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XXXX, I took out a private loan from Sallie Mae ( Navient ) in the amount of {$8000.00}. This loan required repayment to immediately begin. I have consistently made the monthly payments on this loan for over 13 years. I haven't been late on my payment for this loan I have not been late on a payment for this loan in almost 10 years. 
In looking into my loan, I discovered that at the time of distribution, my principal total was {$8000.00}, but the " unpaid principal '' began at over {$14000.00}. So I have been accumulating interest and paying on a number that was not what I applied for or was dispersed. In XXXX my loans were sold to Navient and the total principal was changed to {$6700.00}. In the 10 years since they were sold, I have paid over {$7000.00} on this loan and the total principal owed has only decreased to {$5700.00}. There is not a way for me to control how my payments are allocated and there doesn't seem to be explanation anywhere. Today when I went to review this loan again, the status has been changed to in-school deferment. I have not requested this, nor did I give permission for it to be put in this status and I do not have a way of correcting this myself. The pay off date for this loan currently shows XXXX and with the current amount I am paying monthly, this would result in my paying another {$13000.00} or more on this loan. 
How a loan for {$8000.00} that has never been refinanced could end up costing the payer over {$24000.00} in the lifetime of the loan is crazy to me.
Consumer complaint received 2023-02-25
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: JPMORGAN CHASE & CO. (FL)

ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. CREDIT CARD COMPANY HAS ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS ON MY CONSUMER REPORT AS A CHARGE OFF. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB.
Consumer complaint received 2023-02-25
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: Bread Financial Holdings, Inc. (TN)

Dispute hard inquiry Discovered that hard inquiry reported on my XXXX credit report made by COMENITYCAPITAL/XXXX  on XXXX 
I have attempted to reach this company, but I was unsuccessful. 
I did not apply for any credit with COMENITYCAPITAL/XXXX, I dont know who this company is. I request this inquiry to be removed from my XXXX credit report.
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I opened a cd account but was told that i could only make it a joint account AFTER it was set up. However, it has been impossible to ad my wife to this account. we have spent more that XXXX XXXX hours on the phone with them. There is a continual problem with IDENTIFYING my wife [ XXXX XXXX ] even though we have gone through numerous step including sending id photos to them. There is always a problem and they request that we go on this never ending loop of repeating the same steps over and over with the same result. Their only " possible '' solution is for my wife to set up a savings account with them. This even though she already has a credit card with them. After numerous attempts [ some suggestions have been to " just wait a few days and try again '' ] I requested that they close the account without withdraw penalty. This was done on the day that the account was finally funded from my other bank. They refused to agree, and again suggested she open an account with capital one Upon further investigation I also found out that when the cd matures there are only TWO ways to redeem : Roll it over, or open up a savings account with Capital One
Consumer complaint received 2023-02-25
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: Affirm Holdings, Inc (TX)

In accordance with the fair credit reporting act Affirm Inc  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (OH)

On XX/XX/2020 I received an email from my Credit Card Company Fortiva staying a credit limit adjustment. 

Since I have always been an on time paying customer and kept low balance, I figured it was an increase in limit like other cards! 

But I was wrong. I see my credit has been cut in half. When speaking on the phone to the customer service questioning why this happened, she stated due to inactivity. I stated that inactivity is not on the Card Holder Agreement by Fortiva, not is it posted anywhere on website or the Agreement page this would happen, if you do not use the credit card. 

Now my account which I have always kept into good standing, is not affecting my credit score, due to the limit being decreased. No remarks due to anything on there end. My credit score dropped a total of XXXX points since this was made. 

On top of this they want me to still pay maintenance fees in a card in which the literally stated on the phone was not being used!! This is a sham. Had there actually been in the Agreement for Fortiva XXXX, I would have made sure to add monthly subscriptions on this card, but it was not, and was not notified of such!