davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
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: CITIBANK, N.A. (KS)

This is regarding dispute number XXXX I withdrew all my disputes for the year with XXXX in order to work directly with them on an outcome after XXXX in the executive office accused me of misrepresenting disputes with XXXX, XXXX XXXX, and Home  Depot  ( all of these are now resolved, see other CFPB complaints ) on a call recorded for quality assurance with Citibank. Please reference the following previous CFPB complaints regarding the conversation with XXXX : XXXX, XXXX, and XXXX. She was non-objective, accusatory, and totally rude. I am asking that the CFPB listen to the content of the conversation. 

I withdrew the disputes through their dispute summary online but also e-mailed billing disputes directly in case there was a problem, Citibank 's dispute summary was acting like it would take a withdrawal and then would reverse it. I had to go back through the account history several times to get several disputes to withdraw. 

After I withdrew the dispute, I received a letter from Citibank through the Notice 's and Letter 's page stating the {$5.00} was permanent as they received reimbursement from the merchant. They state I indicated in my letter that I wanted to dispute this with the merchant. They state they had already done that for me and had closed the investigation of the dispute and were not making any adjustments on the account. 

So, I told XXXX XXXX district manager that they didn't need to reimburse me for this charge. 

I just logged on to my Citibank account. On XX/XX/XXXX, a reversal for {$5.00} for XXXX  came through my account. It shows the original purchase date of XX/XX/XXXX. So despite what Citibank stated in writing, they reversed the charge.

So now, I have to revise my figure to the district manager. I am completely frustrated with how Citibank 's billing dispute department is handling this account. I am including all the supporting documentation for your records, which includes my withdraw, the follow-up e-mail to billing disputes, the dispute letter they issued through their Notice 's and Letter 's page dated XX/XX/XXXX, and the reversal they made on my account on XX/XX/XXXX.
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. XXXX  is also reporting this account as ( 120 ) days late. ( Please see page attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of a collection/charge-off, as well as late payments, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have sent certified letter to Equifax, XXXX, and XXXX to have the following fraudulent accounts, resulting from identity theft, removed and blocked from my conumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the creditors and they all advised me to contact the credit reporting agencies to go through the fraud procedures.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

I went in Chase Bank last year in attempt to open an account and they informed me that several accounts were opened in my name. Then, I contacted Chase Bank about the multiple checking and savings account that were opened fraudulently using my information. I reached out to Chase over a year ago on XX/XX/2019 to get this resolved, and was told to complete the " Identity Theft Declaration of Claimant '' Packet and turn it in within 15 days. I immediately completed the packet and listed all 6 fraudulent accounts that were opened using my information. I mailed the packet back to the address I was directed to send it to : ( Mail to : JPMorgan Chase Bank, N.A Customer Claims Department Attn : XXXX XXXX XXXX XXXX XXXX, OH XXXX Fax : XXXX ) It has been 12 months and I haven't received any information back on that. I need those accounts cleared from my name because I NEVER opened a Chase account, and its messing up my credibility. I can't even open an account with Chase either. All the closed Chase accounts attached to my SSN/NAME weren't opened by me. Please fix this immediately! Ive done my part, i would like for you all to do your part and clear those records from my name! I would like to be able to open up an account with Chase.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc. (FL)

I was making regular payments to ARS National Service for a debt collection on a XXXX XXXX Credit Card. ARS lost the account and XXXX XXXX hired a new collection agency, XXXX XXXX XXXX   per their letter dated XX/XX/XXXX. The balance due according to XXXX was short by {$200.00} for the last two payments made to ARS National Service for the XXXX  XXXX account on check # XXXX dated XX/XX/XXXX and check # XXXX dated XX/XX/XXXX. Both checks cleared my account, which should have brought my balance down to {$5400.00}. I wrote a letter to XXXX on XX/XX/XXXX, informing them of this error. They never responded. I wrote a second letter XX/XX/XXXX and copied XXXX XXXX. I included copies of my canceled checks XXXX and XXXX. On XX/XX/XXXX XXXX XXXX sent a letter requesting that I call them. On XX/XX/XXXX they only acknowledged payment up to XX/XX/XXXX, but make no mention of the two subsequent payments on check # XXXX and # XXXX paid to ARS National Service. On XX/XX/XXXX, XXXX XXXX sent a letter requesting that I contact them via phone. They called me on XX/XX/XXXX per the attached copy of my cell phone detail for the incoming call. During the course of the conversation, XXXX XXXX acknowledged that ARS had received and cashed checks # XXXX and # XXXX in XXXX and XXXX respectively. They told me that ARS had refunded me but I informed them that I HAD NEVER RECEIVED A REFUND FROM ARS. XXXX XXXX then proceeded to tell me that I had to " DISPROVE '' that I received a refund by submitting a copy of my bank statements for the two months in questions. HIPAA laws not withstanding, I refused and asked that XXXX XXXX or ARS provide proof of refund via copies of THEIR canceled checks just like I did to prove payment ( which of course they can't provide because I NEVER received a refund. ) XXXX XXXX recorded this conversation for " quality control purposes '' and if two party consent is needed, I hereby give my consent via this claim for CFBP to retrieve an audio copy of the conversation. I can also provided a notarized affidavit attesting to what was said during this call bertween XXXX XXXX and me. XXXX XXXX followed up with a letter the same day, XX/XX/XXXX, reiterating that my balance was for {$200.00} more than my payments reflect. I don't know if there is a sweetheart deal or going away present that XXXX XXXX gave to ARS via my XXXX and XX/XX/XXXX payments. All I know is that ARS needs to forward the two payments to XXXX XXXX or issue a refund for {$200.00} to me. I have set aside {$800.00} for payments from XX/XX/XXXX to XX/XX/XXXX and am willing to escrow this amount with a government agency until the issue of the theft of my payments is resolved. I have attached all pertinent documents by date order.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (WA)

I received a letter on XX/XX/XXXX and XX/XX/XXXX from Credit Control , LLC claiming I have a debt they're collecting on behalf of XXXX XXXX XXXX with the original creditor XXXX. The claimed amount due is {$2800.00}. I've never purchased anything from XXXX and dispute this claim.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

When I moved into my new home XXXX XXXX told me they could provide me with 10 Mbps internet service. After installation was only receiving 1 Mbps. After several phone calls and 4 service repair men attempting to resolve I was finally told I lived too far from the switch and 1 Mbps was the best they could provide. 1 Mbps was useless so I told the repairman that if I wasn't able to receive the service I was paying for he could cancel my service. The {$110.00} dollars for the service never provided is now on my credit report and being collected through enhanced recovery company.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

During the year of XXXX XXXX XXXX  collected taxes and escrow with each payment they collected from me. In XXXX XXXX didn't pay my county taxes. As a result, in XXXX my taxes went unpaid. In XXXX of XXXX, XXXX XXXX   transferred my loan to be serviced by SLS in Colorado. SLS did not pay the XXXX taxes. SLS serviced and paid my taxes for every year after XXXX without issue but they never paid the XXXX. Fast forward to XXXX ... I get a bill from my HELOC lender ( XXXX XXXX ) and they told me I had an unpaid tax lien from XXXX. They ended up paying the {$540.00} that was owed, but also had to pay the law office that was attempting to foreclose on the property of over {$4000.00} in legal fees. My HELOC company charged me {$4700.00} to save the property from foreclosure. XXXX collected the money in XXXX but never paid XXXX County. SLS never collected the money from XXXX hence my property went into foreclosure. I was forced to sell my home in XXXX Arizona to come up with the money to pay my HELOC provider. Otherwise they were going to foreclose on me. All I want is my {$4700.00} back that I had to pay because my loan servicers lied and said they paid a bill but they did not. I attempted to collect these fees directly from SLS and XXXX but they both ignored my request.
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC (HI)

Since XX/XX/XXXX I have tried to communicate in writing with XXXX XXXX and their hired company namely, Johnson Mark, LLC. I have largely been ignored and would love for them to respond to my many letters since XX/XX/XXXX the last one dated XX/XX/XXXX. They continue to say that I have late payments yet they will not respond to my requests to negotiate the overly fee inflated balance they have incurred on me. I simply would like to negotiate the remaining {$2400.00} I owe this company.
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (MO)

On XX/XX/2020 I purchased a vehicle at XXXX XXXX in XXXX, Wisconsin and the dealer secured financing from ALLY Financial. I was never provided a title supposedly because Wisconsin requires the title to go to the lien holder. I am a Missouri resident which is a title holding state. To register and license a vehicle in Missouri you must have the title otherwise you can not do anything with the vehicle. I have tried numerous times to reach out to Ally by email and phone to get the title and explained to them that without it I can not even drive the vehicle purchased. They refuse to give me the title. I have sent them information on Missouri regulations for titling a vehicle from the DMV. My local DMV has tried contacting them also. They will not provide the title so I can not drive my new vehicle and am incurring late fees for titling the vehicle. There is no resolution in sight as they will not budge or even respond to my emails now.
Consumer complaint received 2019-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (IL)

I have called Sallie Mae on multiple accounts expressing my financial distress, stating the required monthly payment on the " only plan offered '' is nearly 70 % of what I make monthly. 

I was told on multiple occasions that only when my loan went into deferment ( and it did, from not paying for 5 days past ) were they permitted to discuss " alternative payment options. '' After completing all the information needed to access such a plan, I was informed the interest I had was already the best they offered, and that enrolling in this new plan would actually increase my monthly payments. 

I then implored them to leave me on the default plan which is still and for 6+ months now has been destroying my credit and savings. 

On top of everything, the representative had the audacity to suggest I seek alternative employment such as working in a store or coffee shop, instead of continue working freelance in my field and acquiring more work clients and experience as I go. AN incredibly inappropriate, unprofessional assumption to extrapolate on the idea that I am simply not working hard enough ... 

Overall, Sallie Mae 's whole process was and consistently remains incredibly inhumane in their inability to budge from their signature payment plan that holds no regards for annual salary, or even those living below or around the poverty line.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

back in XXXX I payed the entire balance off on my American Express card. Thinking that entire amount was paid the following month I made no payment. Appox 30 days later I receive a late notice along with a bill for past occurred interest as well as a late payment fee. I contacted amex and was informed I would have to pay this amount of {$79.00} for accured interest and a late fee of {$35.00} and also my account was subject to a credit interest increase. So I paid the entire amount on date I always made my payments on. Thinking to myself that amount would take careof them and I certainly would not be using your card in your longer okay that didn't happen this month I received another bill for {$35.00} for a late fee stating that the payment was not received until the XXXX of the month although I make your payment electronically through my bank as I have always in the past on the XXXX of the month which is the day that I get paid on. So now I have a new bill again for {$35.00}! in late fees and they are also reporting me late to the credit bureaus. I might mention that they sent me a later stating that if I were to fileba dispute with credit bureau they would be cancelling my account. I don't know what kind of business practices by are these but it sounds as if they are making threats. I need assistance with them because even when I called to get this straitened out the person I spoke with was very rude and menecing.
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

In XXXX I sought legal counsel and hired the Law Office of XXXX XXXX after having been served with a Civil Complaint by XXXX XXXX. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to XXXX XXXX informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Then, on XX/XX/2019 her office called and spoke with XXXX requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with XXXX for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 ) business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from XXXX stating that XXXX was closing my account and ceasing collection actions against me. My attorney was in the process of responding to XXXX to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from XXXX. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to XXXX outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, XXXX is now ignoring my attorney and has refused to respond to her. XXXX 's actions are egregious and should not go unpunished.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

I keep getting harassing phone calls on my home phone XXXX XXXX and XXXX my home phone is unlisted and im surprise that they got my number my name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my social XXXX i keep getting calls repeatedly from american express legal department their phone number is XXXX XXXX XXXX they keep calling me saying that i owe rhem money i told them that dont own anything and they have the wrong XXXX XXXX i have a common name .when i tried to blook my number they still call me on my phone also my home was was unlisted and they still got my number illegally and still harrass me different times of the day calling me from different telephone numbers. One on my kids gots nervous and stated to cry my XXXX years old daughter they ask her personal questions about me. I told them several times they have wrong person. Please tell them to stop calling me.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (MA)

a mortgage company called XXXX gave me a loan for an investment property. From XX/XX/XXXX until XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) was paying escrow taxes to the wrong lot number for the condo I own. After 3 years I was notified by the town the condo is located in, that they put a lien on the property for non-payment of property tax. I called XXXX, they admitted fault and paid all of {$4000.00} owed to the town taxing authorities. XXXX  then started to charge me thru additional mortgage charges to get the tax money they paid to the town. XXXX  said that they would charge me until all of the {$4000.00} was paid to them and if I did not pay, it would affect my credit and they would repo the property. I complained and called them once a week. XXXX sold the loan to FLAGSTAR bank. I explained the problem with XXXX to the new holder of the loan FLAGSTAR, but they just kept charging me extra on my payment until my escrow is down to negative {$1200.00} Both XXXX  and now FLAGSTAR owe me {$2800.00} that I was charged by extra payment on my loan by raising my mortgage payment. I am being robbed and threatened that if I don't pay, this bank will ruin my credit and foreclose on the property. I have called both banks NUMEROUS times and they say they will investigate and nothing happens.
Consumer complaint received 2019-05-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diaz & Associates, Inc. (DE)

I am the recent victim of potential identity theft so I recieve alerts to my phone whenever there is a change to my credit report. I recieved a notification from Diaz and Associates that I owed {$780.00} from XXXX XXXX from XX/XX/XXXX. I promptly called Diaz and Associates because I had no recollection of the debt. The representative I spoke too immediately tried to get me to " settle '' the debt even-though when verifying my address they had me listed in XXXX not XXXX where I have resided for the last four years. When I disputed the debt and asked for it to be verified I was transferred to another gentlemen who wanted to argue with me and refused to verify the debt. He then claims a notice was sent out to me and that he could email me a verification of the debt on the spot, which I know is not appropriate because I would think he would be able to verify all of that with the original debtor. When I advised him that I will not be paying today and I would be filing a complaint, he responded, " I don't care file your complaint ''. Now my credit score has  dropped 20 points for a this debt that this company can not verify. In addition, they claim the debt is from XX/XX/XXXX but they are only now trying to contact me.