davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Equifax fail to investigate my dispute that file on XX/XX/2020 and XX/XX/2020 they are in violation of the FCRA. can someone please assist me with having these items verify
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (NC)

On XX/XX/2020 I signed up for this card. I made the yearly fee on {$39.00}, I deposited {$300.00} in the account and also paid a rush fee of XXXX to receive the card sooner. The transaction has been stuck on processing since. There is a contact number, but no way to speak with an actual person. It has now been 15 days and I don't have a card nor my money.
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

I have disputed this utility debt through the credit reporting agency a couple of times. Which, they removed it from my credit report. However, the collection agency continues to reopen up the debt, ( which has already been paid directly to the service provider XXXX XXXX XXXX  ). 
I do have current service through the service provider and have had service at the same residence since XX/XX/XXXX. When I had service turn on at that time, XXXX XXXX XXXX  put me on a payment plan which has been paid in full over the course of a year. 
The collection agency is also reporting it as a " Loan '' to the credit bureaus. And causing my credit score to decrease. I refuse to pay this debt again. 
Also, the collection date started in XXXX, not in XXXX. Which they are reporting. 


The collection agency is : And this is what they a falsely reporting ' TRANSWORLD SYSTEM INC/ Original creditor : XXXX XXXX XXXX  XXXX XXXXAccount Info Hover over labels for more details Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$350.00} {$350.00} 0 % paid off Contact XXXX XXXX XXXX XXXX XXXX  XXXX PAXXXX  ( XXXX ) XXXX
Consumer complaint received 2020-12-14
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: EQUIFAX, INC. (CA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

XXXX/XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX XXXX Credit Inquiry from XX/XX/2020 XXXX XXXX, XXXX. 
Inquiry from XX/XX/2020 XXXX
Consumer complaint received 2020-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MD)

On XX/XX/ 2020, Citibank posted a fee to my account for {$34.00} because they could not process a payment to a vendor due to insufficient funds. The vendor have stated they were not supposed to process the payment due to govt new law for student loan. Instead, Citibank, who did not even pay-out the fund has refused to refund the fee. 
I have called multiple time to CitiBank about this, after holding for over 2 hours the rep will tell me their " automatic '' system is not allowing them to refund the fee to me. It is illegal and unethical that banks like CitiBank are charging fees and monthly maintenance fees during an economic crisis.
Consumer complaint received 2020-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp (RI)

On XX/XX/2020 I logged into my Lending Club account and was greeted with a notice that Lending Club has changed their Bank Link Services Agreement. The notice wanted me to click " Accept. '' The change in policy now allows Lending Club to use MY bank account to " determine [ my ] eligibility for personalized offers. '' Since I don't want a giant, publicly-traded company to use my bank account information for marketing or other nefarious activities, I don't agree with the agreement changes. 

On XX/XX/XXXX, I called Lending Club 's customer service line and requested that my bank account be removed from the Lending Club account because I don't agree with the new agreement. I was told that I am REQUIRED to have a bank account linked to my Lending Club account. The only available option would be to remove autopay, but the bank account would still be linked. 

I would like my bank account to be unlinked from Lending Club. 

Thank you!
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (PA)

I currently have a credit builder plus loan with Money Lion, which was opened XX/XX/XXXX. The installment loan agreement was to be paid in 25 bi-weekly payments in the amount of {$19.00} with a final payment of {$19.00}. This loan has had MAJOR issues with payment processing and has a very flawed system. With that said, my bank ( XXXX ) has been connected and Moneylion has  automatically been taking payments from XXXX since this agreement began. They have reported my payments as on time, as they have been, to all three major credit bureaus ( XXXX, XXXX, XXXX  ) until around XX/XX/XXXX. On XX/XX/XXXX I noticed a change in my payment history, and Moneylion had reported late/delinquent payments to those three credit bureaus, that were previously reported on time. They changed my payment history as follows : reporting a 30 day late payment status for XX/XX/XXXX, reporting a 60 day late payment status for XX/XX/XXXX, and reporting a 90 day late payment status for XX/XX/XXXX. This is inaccurate credit reporting, and I have bank statements proving the payments were taken from my bank account for those months. This has affected my credit score drastically, by adding 1/30 1/60 1/90 late payments to my report! I contacted moneylion via their app in XXXX ( as instructed ), with no help. Then I contacted them via their complaint request on XX/XX/XXXX. The email I received from customer service was to go file another complaint about credit reporting, via the identical process I had already followed. I did follow through and do this yesterday. I am, however, extremely disappointed with the fact that no one seems to help, and Im just told to contact another department as soon as I speak with someone. Now more than ever, I dont need my credit to be affected like this. The fact that they changed these payment statuses in the beginning of XXXX during a pandemic, is wrong and financially puts a strain on people!
Consumer complaint received 2020-05-10
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. (VA)

CIti Credit Card Dispute XXXX On XX/XX/2019 I contacted Citi Credit Card to dispute a charges on my credit card on XX/XX/2019. The transaction detail was " XXXX XXXX XXXX {$510.00} DEPART:XX/XX/XXXX XXXX  TO XXXX : XXXX : XXXX  : XXXX  : XXXX  ''. This was an unrecognized charges by me at the time of the dispute. I contacted XXXX to inquire about this charges, but they were not able to find any transaction with this information. Please see attached email correspondence to and from XXXX. 

On XX/XX/2019, I noticed another unauthorized charge to my account made on XX/XX/2019. This time there was another vendor associated with the transaction, XXXX I contacted XXXX and the agent stated the reason for this new charge was because I had disputed the previous charges with my credit card company made on XX/XX/2019, and it was for a plane ticket for my wife purchased on XX/XX/2019. 

This transaction was not an authorized charges because I did NOT receive any notification from XXXX XXXX about airline tickets been booked on XXXX XXXX. However, we did receive an email from the merchant to inform me that the airline was unable to confirm the reservation. No other contact with the merchant was made after this email notification. See attached for the email from XXXX. 
My wife was double booked in the same flight and nor XXXX or XXXX notified us of this tickets I was charged for on XX/XX/2019. The only way I was able to obtain any of this information was after my many phone calls with both XXXX XXXX and XXXX. 

I have been told by XXXX, that they are unable to assist with this issue and I will have to have it resolved it with XXXX. I have been told by XXXX, that they are also unable to assist with this issue and that I will have to take it back to XXXX. 

The Citi dispute department processed the dispute and fraudulent transaction and later was change to product not received. Since I disputed the charge on XX/XX/2019, I have contacted Citi by phone and email over twenty times and I get the same answer every single time " They are working on it '' in the mean time this charge is accruing interest and late payment fees. 
This transaction was for an airline tickets I was attempting to purchase but never receive the product ( booking confirmation ). 

1. XX/XX/2019 XXXX XXXX XXXX {$510.00} XXXX XXXX TO XXXX : XXXX : XXXX  : XXXX  : XXXX
Consumer complaint received 2020-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

We have been thru a bankruptcy ( XXXX ) we have come thru it paid in full. Mortgage was not included only the couple payments behind when we filed whiled they had claim and was paid. However there have been a couple consent orders after the fact due to the mortgage servicing provider claiming we are behind or owe this magical number they come up with with fees and this or that.. we all agree to a consent order and that the monthly statements will be corrected.. however the only thing that happens is they take our money and no correction is made saying we are current. When we make a monthly payment they put the money wherever or hold in a suspnse account or wherever. We just had another consent order we paid and now they have is behind again over XXXX dollars .. our regular payment is XXXX. We have our bankruptcy lawyer but she is not doing anything. We need help before we are on the streets. We cant keep dishing out money to go down the toilet. And not reflecting payment or current status. Help!
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: FC HoldCo LLC (AZ)

The company calls at least 5 times a day and now is calling my daughter daily. They tell her in the phone that they know she is my daughter. They also have started calling my son in laws phone daily and he wasnt even a reference. We are unsure how they got his number. 
We block the number and they call from another number. 
I have a lawyer and bankruptcy paperwork is in the final stages. I am on the back half of my loan so all interest has been paid. 

Company is Flagship Financing..
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CT)

In XXXX, someone started using my Discover credit card. Purchases were made in a company called XXXX XXXX XXXX XXXX and then the card would be paid off. Discover never called me to authorize the charge but they would freeze my card if I wanted to use it at XXXX in my local town. My card was then used in XXXX internationally and they called me and sent me a new card. Discover called me and said that my card had been used fraudulently and we discover all the charges that had been made. Charges were made and then payments were made for the same amount. All the payments returned in XXXX leaving me with a balance of XXXX in my card. My credit card limit is XXXX. My daughter was the only one with access to my account starting in XX/XX/XXXX. In that month I was hospitalized because of a XXXX XXXX that I have, and then in XXXX we both discovered both of our accounts had been compromised. Now ever since XXXX, Discover has been investigating the account and has said that I am still responsible for the amount hurting my credit. I am not able to buy a home which I have always wanted to do due to this high balance in my credit report.
Consumer complaint received 2020-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I have repeatedly requested that extra payments I make on my loans go toward a specific loan and that I do not want extra payments to put me in " paid ahead '' status. 

I have asked via electronic message on their website ( three times, the first of which was in XX/XX/XXXX ), via phone ( twice, first time in XXXX or XX/XX/XXXX ), and letter via USPS ( twice, first time in XX/XX/XXXX ( I can only find a copy of the first letter, which is attached ). I never received any kind of response or confirmation to my electronic or USPS letters. On the phone, I was repeatedly given the run around ( the first call the person told me that she could not - as in, had no ability to - make any kind of notation on my account about extra payments ) ; on the second call, I was initially told the same thing, and also told that I shouldn't worry about it because ( a ) they would take care of extra payments in a way that was in my best interest, and ( b ) I could always, supposedly, have them retroactively redirect a payment if I was unhappy with how it was applied. By the end of that call, I believe, but am not positive, that the call taker confirmed that there was some kind of notation on my account instructing how to apply extra payments. 

This seemed to be working for a while, and my extra payments were finally going toward principle on the loan that I had specified. Two months ago, my payments were all the sudden being once again misapplied, and instead of going to principle I am now in the ( utterly deceptive ) " paid ahead '' status that I have specifically and repeatedly told them not to place me in. 

I truly can not believe how transparently fraudulent this loan provider is, and I do not know what to do at this point. Paying off my loans is incredibly stressful, and I do not have the time or the emotional energy to waste hours upon hours trying to force them to simply follow the clear instructions that I have given them.
Consumer complaint received 2020-05-10
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. (UT)

XX/XX/2020 I cancelled 4 Excusurions with XXXX ( due to Covid in XXXX ) total {$940.00}. All were 100 % refundable, no penalties, nothing. 

Unfortunately it was for a my account that had cancelled earlier with Citibank ( since they couldn't stop a fraud charge monthly coming through, they said they would block it, they never did ) .So we couldn't file a dispute claim on line the 'usual ' way. 

We couldn't reach Citibank by telephone as they never picked up the phone after waiting 1 1/2 hr on line ; and at that time Citibank also removed their chat button too on their website So we ( myself and wife ) wrote a letter to Citibank, faxed it to them XX/XX/XXXX to fax # XXXX & XXXX. Two fax # 's as Citibank mortgage company emailed us directly, saying they recently changed fax # 's and they would forward to the billing disputes. 
This letter was sent certified to them XXXX, see attached, # XXXX which included the cancellations from the XXXX website showing 100 % refund. 

My wife, XXXX, emailed directly to XXXX the same information on XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX, XX/XX/2020 at XXXX. 
Every above email included letter to XXXX, letter to Citibank, certified mailing to Citibank, and the docs showing the 4 items were cancelled, in addition to my husband 's previous c/c statement. 

If you see the email sent to them on XX/XX/XXXX, this complaint is for the Second issue ; the 1st one XXXX finally sent them back a response which Citibank said they would advise me in 10 days of their response. 

We also sent a certified letter to XXXX too on XX/XX/XXXX demanding an immediate full credit be sent now. 

Furthermore I received a call on XX/XX/XXXX at XXXX from XXXX, from a Citibank Rep, XXXX XXXX who said that they received the letter. He asked me if this was fraud. I said " didn't you read the letter, it clearly reads I cancelled the transactions, showed proof of the transactions, it isn't fraud. I am trying to have you file a dispute ''. He said " then I can't help you I am only in fraud ''. 

They have never replied by email or by letter, or a follow up call from the correct department since XX/XX/XXXX XXXX I was ready to scream. Citibank got the letter ( or their Rep wouldn't have called ),  they didn't read it correctly, and now wont ' file the dispute for these 4 charges which I have every legal claim for the $ to be reimbursed to me immediately in full 100 %
Consumer complaint received 2020-05-11
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. (AR)

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. XXXX   XXXX {$2000.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$300.00} DEPTEDXXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX {$57000.00} XXXX XXXX {$160.00}
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (OR)

I've lost my income due to coronavirus pandemic and have been calling all of my creditors to try and work something out as well as let them know my circumstances. Every one of  the creditors has had some help to offer so I can avoid affecting my credit score, but One.  Home Depot credit card customer service insisted I make my minimum payment and told me they had nothing set up for Covid-19 loss income relief. I currently have {$510.00} in my bank account with no way of knowing how I will make any money in the near future. Every single creditor should be willing to work with all customers in my situation. Shelter-in-place forced me not to work. What am I suppose to do?
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NJ)

Attempts to collect debt not owed ( debt was only {$50.00} and paid in full/satisfied almost ten years ago ; XXXX, Wachovia ( Wells Fargo ), and I have proven documentation of this ) Written notification about debt ( never received any notification in writing of a 1,000 plus debt as it NEVER existed ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Took or threatened to take negative or legal action ( threatened to sue, arrest, seize property, deport, collect exempt funds, damage your credit ( report to XXXX  again with a fabricated amount, XXXX is aware it was paid, satisfied, AND ALREADY REMOVED years ago and was only {$50.00} NOT 1K plus )
Consumer complaint received 2020-05-10
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: BARCLAYS BANK DELAWARE (NJ)

XX/XX/19 Hard Inquiry Brclysbankde I did not give permission for this company to run my credit. I have tried to reach them in reference to this issue to have it removed but have not been successful.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 I sent written communication to Macys/Dsnb dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Macys/Dsnb dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Macys/Dsnb sent me a letter stating that the information appearing on my credit report was correct. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Macys/Dsnb communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Macys/Dsnb t to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account.  Macys/Dsnb provided none of the above. Macys/Dsnb continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Macys/Dsnb has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Macys/Dsnb dated XX/XX/2020, requesting the same information with same results dated XX/XX/2020. The above illegalities were committed via USPS mail.