davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I had XX/XX/XXXX unauthorized ATM withdraws in the amount of {$280.00}. 
XXXX was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXXXXXX . 
Another was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXX 
I contacted my bank, which is Citibank, ( on that same day ) and advised that there were XXXX unauthorized withdraws. 
. 
I made a claim, and was given a claim number. XXXX. 
I received a letter dated XX/XX/XXXX ; which stated that reimbursement had been denied. 
. 
I appealed, submitted a police report, store receipts, and a brief description of my whereabouts on that day. 
Received another claim number XXXX. 
I received a letter dated XX/XX/XXXX ; which again stated, that reimbursement had been denied. 
. 
Both letters were identical as to the reason for denial ; Yet, there were no facts or evidence to support the denial for reimbursement. Only assumption. 
. 
Again I contacted Citibank to appeal. I was told to submit a letter stating why I should be reimbursed. I faxed a letter, and receipt of letter was confirmed by Citibank. 
The confirmed date of receipt is XX/XX/XXXX. 
I am still waiting for a response. 
Every time I call the number on the rejection letter ( XXXX ), I speak to a customer service representative in the XXXX. 
I am never given a solid answer ; Always an excuse, such as : " the investigation is ongoing, '' " I do not have answer, '' " you can not speak to the person handling your claim, '' etc. etc. 
So i am reaching out to you, at Consumerfinance.gov., to assist me with reimbursement. 
I have attached plenty of documentation to support my claim. 
Please help me with reimbursement ; And furthermore, help put a stop to this " runaround '' that Citibank i putting me thru.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (LA)

I requested XXXX with XXXX XXXX XXXX close my account over 90 days ... they kept charging me late fees and lying saying they were closing the account also with the XXXX card through XXXX .I would like to be reimbursed for late fees I have paid since my accounts were not closed 90 days ago as requested. XXXX took over the XXXX XXXX XXXX account without my knowledge, ... I have received another late fee and unknown charge for my XXXX XXXX XXXX card.

XXXX is deceptive and is stealing from me by refusing to close my account timely and charging me fees. I would like the fees and charges refund to me since 90 days ago ... when the initial request was made they threaten by harming my credit score if I did n't pay fees I know I did not accessXXXX XXXX XXXX XXXX ... phone number associated XXXX XXXX XXXX ....
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

XXXX XXXX XXXX phone number XXXX and XXXX started calling 3 times a day on my cell phone which started about 2 1/2 weeks ago. They also started calling me at work. I advised the  collector she was calling my work number and to stop calling. The following week she called me again at work. She wanted to let me know about my past due account with XXXX XXXX. I advised her 1st that I already asked last week not to call me at work, 2nd I do n't  have an account nor have ever applied for a card. She insisted that I did and she has my Birthdate, and Social Security along with my personal information. She didnt verify my that the person she was talking to on the phone was indeed the account holder. I asked to identify the DOB on file and she stated she couldnt give out that info? Again I stated this is not my account. She transfered me to the FRAUD deptartment. The rep was able to verify that the last 4 numbers for the SSN did not belong to the account holder on file, but she was puzzled on how XXXX XXXX XXXX had my Direct Work line or my cell phone. I asked her to remove my phone  numbers and to stop calling. She said she didnt know how to do that, and could'nt guarantee that the calls would stop? She offered to put me on the Do Not Call Registry, but that is not good enough.
Consumer complaint received 2017-12-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (IL)

OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX. 

Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information. 

To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.

Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail. 

Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.

Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information. 

I believe I was unfairly refused this loan because I am a divorced woman.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

In XX/XX/XXXX our loan was transferred to Loancare. Apparently only my wife 's old work number was the only information that was transferred ( I found this out after I called about the bank draft non payments ). When I found out about my bank draft not occurring, I called my previous servicing company and was informed the loan was transferred. When I called the loancare the first time, I paid the full balance and was told the autodraft should be set up. Several months later, I realized the payment was still not occurring. I called immediately and made full payment and was correctly told by the associate that I needed to set up the auto draft myself. I did this immediately and now it 's all setup and working. The reason this is so time sensitive is because we are in the process of buying a new home and my credit score decreased significantly because of the late payments. We have never had a late payment in the 9 years prior to the loan transfer. This should not be an issue of us being at risk borrowers.
Consumer complaint received 2017-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX, operation analyst on claim customer service team, phone number XXXX, accepted a valid second opinion letter, on business letterhead and signed by a second qualified merchant on XX/XX/XXXX and charge-backed the disputed {$3200.00} and {$5100.00} charges on XX/XX/XXXX 
She admittedly concealed from me a merchant 's response to credit card dispute on account ending with " XXXX '' and re-billed, for the third time, the disputed charges on XX/XX/XXXX. 
It undermined my ability to reverse the disputed transactions under consumer protection law through Visa arbitration process.
Consumer complaint received 2017-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Collectors, Inc. (WI)

This debt collector put negitive information on my credit report without my knowledge. I asked them to send information that gives them the right to collect and the contract and the original amount between them and the original bill company. They refuse to show me that. For all i know they could habe bought the debt for XXXX dollars and tring to charge me full price of XXXX. Nothing I have shows a contact that they have the right to this debt. After all this they keep messing with the balance and rising it. There only verification was a copy of the medical information that was from the hospital. Its my understanding they are breaking Hippa laws. I did not give them the permission to view these medical records and what happened in the hospital.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

For purposes of this complaint, I will report only for the year of 2013. 

I was a cardholder and full joint account holder with my ex-wife for Citi Advantage card # XXXX. I was responsible for the debt, the card is reflected on my credit report, Citi provided information on my credit report, payments made to Citi for this card were made directly from my personal checking account to Citi and I have records reflecting thos payments. 

Between XX/XX/XXXX and XX/XX/XXXX Citi collected {$27000.00} from my personal checking account. They refuse to show any charges or provide me with statements. They are saying the primary account holder removed me from the account which reduced me to 3rd party status. I WAS NOT AN AUTHORIZED USER. I WAS A JOINT ACCOUNT HOLDER RESPONSIBLE FOR THE DEBT. The primary account holder was engaged in fraud and will obviously not simply give me evidence that will land her in jail. But Citi was taking money from my account and I can prove it. The balance transfers conducted were made by someone listed as an 'Authorized User ' status that had no responsibility for the debt. I was defrauded by my ex-spouse who was creating debt and conducting large balance transfers on this card. She dropped me off when she filed for divorce and citi is withholding all evidence of the massive fraud perpetrated on their customer, the consumer who was paying the bills! 

The privacy laws cited were designed to protect consumers from unwarranted government intrusion into the private financial records of consumers. They were NOT created for one consumer to hide money stolen from another consumer. Citi is withholding evidence of fraud. I can show they took money from my XXXX checking account - I want to see the debt for which they charged my account or I want a refund right now.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called their rep - XXXX from the Montana call center to discuss and they refused to reverse the {$1.00} they charged me. NO where on my statement has their been any indication of any balance subject to interest charges. So when I reviewed the statement I saw nothing in balance subject to interest and nothing in the interest charges. They put the {$1.00} in " FEES '' but it amounted to a minimum interest on {$11.00} which they failed to disclose for XXXX credit card statements that there was a balance subject to interest. It was not readily apparent due to the fact that there is also a large balance which was at 0 % interest for which I already paid a fee and there was not to be any more fees. 
I believe they should be placing any balance subject to interest clearly on the statement. They failed to do that. All balances subject to interest were listed as XXXX XXXX XXXX XXXX. They did that for XXXX statements, charging me {$1.00} XXXX times. 
And they advised they will also charge me again.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (DE)

My XXXX XXXX credit score with all 3 major credit agencies on XX/XX/XXXX was around 810. I  understand companies can use different models and the score can differ slightly - slightly being the key word. When I financed my application for loan with Hyundai Motor Finance on XX/XX/XXXX, they used a score of around 769 for me. That score of almost 50 points lower is ridiculous and would have caused me to get a significantly higher APR. Such unethical practices must harm so many customers who trust Hyundai 's name. Such a big score difference for a person with an otherwise excellent credit history can be damaging financially, but for someone with moderately good credit, it could result in predatory terms of loan or rejection of credit altogether, which could be a fair lending concern for persons of XXXX like me.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

Hi, have been struggling to repay my NJCLASS loan. I have approximately 96000 to repay and my monthly payment went up to XXXX a month after they gave me the option to do there reage program. I have been in and out of work for the past three years and my student loan almost reached default status until they offered be to do the real program which only raised my student to the XXXX dollars I pay now. I am married with XXXX small children in day care just to work in a field I did not go to school for. And because NJCLASS does not offer income based payment or lower payments. It makes it very difficult for my family to manage our finances. I would like to see this loan forgiven due to me not having work in the field I went to school for, or would like them to offer incomes based payments
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.
Consumer complaint received 2017-08-09
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. (SC)

Hello my name is XXXX XXXX, and I have had an ongoing issue with Experian since XX/XX/XXXX. Experian has refused to remove incorrect information from my credit file with the exception of fraudulent inquiries. I have disputed this same information via fax, certified mail, and online and to my avail nothing has been done. There is currently an account that is duplicated. I just want my credit file to report accurately as I 'm trying to get things in order to purchase a home for my family and I. Attached you will find copies of my disputes and below is a list of the things that are currently incorrect. Duplicate Account XXXX XXXX XXXX Acct # XXXX Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Coastal Financial Solutions, LLC (OR)

Repetitive phone calls to friends and family more than twice for each member, telling them that someone wants to file a complaint against me, inferring a criminal charge which is false. I am on XXXX and they can not collect from me and they have been told that. But they still call from all these numbers weekly harassing me and my family. Part of the messages are spoken by a human and the other parts are computer generated. 

XXXX CFS, Central Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Also ID themselves as 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 CFS. XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CFS Legal Department XXXXXXXX  CFS XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS, Coastal XXXX CFS, XXXX XXXX XXXX , XXXX XXXX XXXX CFS, CFS/Coastal XXXX CFS, XXXX, XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS/XXXX  XXXX CFS Collecions XXXX CFS/Coastal XXXX CFS XXXX CFS  XXXX CFS XXXX CFS XXXX CFS, Coastal XXXX CFS XXXX CFS ( Using State Compliance Officer Scam Routine ) XXXX CFS, XXXX XXXX , XXXX & XXXX XXXX XXXX Coastal, XXXX XXXX , CFS, XXXX XXXX XXXX , Coastal Financial XXXX Coastal , XXXX XXXX XXXX , XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX Coastal XXXX Hopeful, CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX, XXXX XXXX CFS XXXX CFS XXXX XXXX, XXXX, CFS XXXX company calling for XXXX XXXX XXXX CFS XXXX The XXXX XXXX XXXX, CFS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (VA)

I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nations Recovery Center (NJ)

The company repeatedly refuses to send requested paperwork proving there is a debt. Gentleman keeps laughing and making veiled threats : '' " We already KNOW where you ARE!!! '' and " You 'd BETTER do a property search on your name and social security number! HAHAHAHA! '' and then hangs up.
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Dear CFPB : My name is XXXX XXXX, I attended XXXX in XX/XX/XXXX-XX/XX/XXXX. Graduating in XXXX XXXX. In XX/XX/XXXX I refianced or requested a fixed intrest rate with XXXX XXXX, later Navient became that same company, for a couple of years I did not have strong income and could not repay my loans, I made smaller payments when I could and often requested a forbarence or deferment. At some point I did manage to land a job in banking industry and was able to make some consisitant payments. But unfortuantly, lack of work or under employment made it difficult for us to live and I could not afford to make my payments. The original amount of my loans at my exit interview was {$250000.00} when I consolidated with XXXX XXXX in XX/XX/XXXX it was {$35000.00} now they say I owe {$66000.00}, if I understood that is what they were going to do I would never have done it. I have XXXX, and XXXX XXXX so I have stuggled with my employement it was an achievement to just get the degree. I asked about settling this debt with them due to the fact that my husband has been working so hard, and we now might be able to due that if it was a reasonable amount, these loans are prevent us from qualifing for a home loan. I have n't worked steadly sincnce XX/XX/XXXX and even then it was only XXXX. I contacted them today XX/XX/XXXX and they refused to offer me any reasonable assistance in getting this matter handled please help.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass Bank claims that they had sold my car at auction on or around XX/XX/XXXX after a repossession. Their information is not correct. The sale was on XX/XX/XXXX. I have a  pending court case and I am trying to prove that I was falsely arrested. My car was towed off of private property without my knowledge or expressed consent. This arrested lead up to the vehicle being repossessed.