davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

On XXXX a fraudulent transaction was executed on my Macys account. I received an email alert and immediately called Macys to stop the transaction and freeze my account. This did not occur. Repeated calls and paper work to Macys to address did not stop harassing calls, mail and being reported to the credit bureua.

The fraud department promised they would put the account on hold in XX/XX/2016. They did not, it is still not on hold. This is despite having to file a PAPER FORM THAT CAN ONLY BE OBTAINED AFTER THEY MAILED IT TO YOU!

I have spend more than 7 hours in one week alone holding for a fraud department that is NEVER available. More than 2 hours 47 minutes alone before being CUT-OFF!!!!

Macys account# can be provided at your request.

This is a systematic abuse of clients, to not provide clients the ability to get fraud rectified (fraud made possible by Macys lax purchase verification - no validation of a XXXX against personal ID - really??), and to keep account balances as valid debt when clearly it is a case of fraud. THIS MUST BE CASE OF CORPORATE FINANCIAL FRAUD. Reporting fraudulant debt falsely under FICA???

In addition Macys credit cards run by Citi bank, was then used to change my credit rating by Citibank.

- I am unable to reach Macys Fraud department
- The promises made by Macys fraud department was not implemented.
- Macy reporting my account as overdue while knowing it is under fraud investigation. This impacted my credit rating negatively
- Macys billing department can see the notes from the fraud department but is unable and unwilling to place the account on hold.
- I am unable to get hold of the fraud department.
- This cycle continues to deteriorate my credit rating

PLEASE HELP!!
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

Got a Citi Card back in 2007 and they have been charging me for credit protection fees. Called and cancelled and asked that the credit my account all of the charges that they have been charging me for the service. They stated that they will cancel the service however, cant guarantee that I would be issued a credit for them charging me all of those years. I need help with getting them to refund my card all of those charges since 2007. I have been reading articles showing that Citi bank is supposed to be refunding their customers for fees for services like that. Can you please help me?
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (FL)

I am disputing an unauthorized inquiry. 
XXXX Date Filed XXXX/XXXX/XXXX Type Sales Financing Company Phone Number BYMAILONLY Address XXXX XXXX XXXX I have contacted Experian, and XXXX by telephone. I have no documentation to show that I have contacted them and that they have received my phone calls. I have phone numbers and names of the people I have contacted. I original started my complaint when I noticed an inquiry of XXXX. I called experian about it and asked what it was because there only information is a PO BOX address. Experian reluctantly gave me a phone number to contact. XXXX XXXX XXXX ( XXXX XXXX answered ) I explained my situation of an unauthorized inquiry. XXXX XXXX then gave me the phone number to Applications within XXXX XXXX. I spoke with a women named XXXX she took my social security number and went through each company that they finance with and not a single institute had used my name or social security number to inquire for credit in all of existence. She filed the complaint with another department for which she would not give me a phone number to follow up on the process. I started this process XXXX XXXX, XXXX and this inquiry has negatively impacted my credit score since XXXX XXXX, XXXX as a hard inquiry.
Consumer complaint received 2016-03-28
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: RS Clark and Associates, Inc. (TX)

Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (TX)

I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

ok I ask the inpector general for help a bout my dbt collection but they do n't help enough I have problem with XXXX XXXX bank they send me to collection to Equifax XXXX in Gorgia XXXX that happened have long time XX/XX/2006 let me know you can help me thank
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

As far as I know FDCPA requires XXXX point verification in order to disclose. I was contacted 2 times now where as soon as I answered to my name they disclosed that I owe {$1300.00} and they want payment. At no point would they listen to my concerns about privacy. They just kept cutting me off and asking for payment. The manager did the same thing and when I asked for his manager he hung up on me because " you do n't want to resolve this '' I told him they called me and not to hang up and he did it anyways.
Consumer complaint received 2016-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

So ... ... I received an email yesterday from Navient saying that statement is ready so I took a look as saw that I owe {$500.00} for XX/XX/XXXX and XX/XX/XXXX even though my original state shows that my monthly payment are {$100.00}. The rep tells me that I reapplied for the IBR plan in XX/XX/XXXX and I 'm telling him no I did n't since I applied in XX/XX/XXXX, he said they have a signed application from and I sent them proof of my income which I remember doing but I thought it was from my original application so now my payments has gone up by {$150.00} even though I have an agreed term showing that my payments are set at {$100.00} until the end of 2016 and my income has NOT changes from last year and I get paid once a month. 
I CAN NOT afford {$250.00} a month and if I come off the IBR plan then my payments are {$200.00}, I asked him why the payments are lower off the plan and he said he was using some income table which mean he really does n't know how much my payment will be! I am trying to be a responsible grown up and clean up my credit and debt this year but Navient has got the wrong person this time so I will be paying what I agreed to until I receive the signed copy of my so called application from XX/XX/XXXX, these are slick and trying to get over on EVERYONE but not with me!!!
Consumer complaint received 2016-03-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENOVA INTERNATIONAL, INC. (OH)

Hello, This is a bit different. I keep receiving calls from XXXX XXXX XXXX on multiple occasions in regards to a payday loan that I received and paid off in XXXX 2011 from XXXX XXXX XXXX which CashNet USA is apart of. They are stating that the original loan was done on XXXX/XXXX/2011, in which according to CashNet USA 's site is XXXX/XXXX/2011, which was paid off on XXXX/XXXX/2011. It is strange on how the loan was paid off more than 4 years ago and where they sent the information was to an address that I have n't resided in almost 8 years, so I was never notified. I contacted the original creditor with is CashNet USA and was advised that the loan was paid off and it is a possible scam. I advised of the company, but they are unable to keep up with the companies that are performing the scams. XXXX XXXX XXXX is trying to resolve a debt for {$430.00} and have been hanging up on me and not allowing me to dispute the claim, which I can process bank statements that the loan was paid in full. So I am not sure what else to do at this point. They provided me with a claim number of XXXX and spoke with XXXX and a few other associates. The phone numbers associated are XXXX and XXXX. Any assistance in regards to the matter will be greatly appreciated. 

Thank you for your time.
Consumer complaint received 2016-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NC)

This actually started in XX/XX/XXXX with our call to the company but it is continuing now into XX/XX/XXXX. We called our Lowe 's credit card company, Synchrony Bank to check our balance and to pay off any balance. While we were on the phone we were told we did not have a balance. We used a credit card statement with XXXX balance to call them. Once we told them we owed the money and had a bill statement the credit card company rep told us again that we did n't owe any money. She had the account number given to her off the billing statement. We asked her to make sure she had the right account and to check all of our accounts because we wanted to make sure there was no mistake and that we had a XXXX balance moving forward. She said she checked all of the accounts and that XXXX card was closed and that there was no balance on any card. At that point let it go and took her word for it. After all, she was their rep and she had looked at all of our accounts. We thought that our bill pay at our bank had paid the last payment as planned and did n't worry about it any more. That is until we started getting calls about owning them money. We checked our credit scored and saw that they had now hit our credit score with at late payment. This lowered our score. I called the credit card company today and went over all of this with them. We asked them to pull the recorded conversation between my husband, myself and their agent. I talked with XXXX different people which also included a supervisor. They all said they did not have access to the recording and that we 'd have to contact the FCRA to get this fixed. My questions to them is this, why are we having to do all of this when it was them that made the mistake that caused all of these problems for us when all we wanted to do when we called was to make sure we owed nothing on the card? We feel like the credit card company is taking advantage of Lowe 's good customer through their mistake and it is unfair for their actions to cause these problems. Our credit was excellent. Now it is not. Credit card companies should be held responsible for their mistakes and the consequences that affect their customers. Should they not?
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

In XXXX 2015 I reported to Experian that XXXX XXXX had incorrectly added a late payment to my credit report after advising me to make a payment after they modified my mortgage payment after a randomized " escrow analysis '' in the middle of a billing cycle. After the corrected the balance due, I promptly made the payment and then they sent the late payment report to the credit bureau after telling me multiple times that it would not be late. I had representatives agree with me on the phone and then never correct this on my credit and I am appalled. I want this removed. I have tried to have this reopened by Experian and their site will does n't accept the uploads. XXXX has done this twice on my credit report after 10 years of paying my mortgage on 10 without one late payment. It 's unfair and needs be stopped and Experian should look at the documentation of consumers closely.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

There was a fraudulent charge on my Macy 's American Express card, which is serviced by Citibank. I filed a fraud investigation with their fraud department and was told I would n't be receiving phone calls, yet I did receive numerous phone calls. Sometimes when I picked up, they would hang up. When I did n't answer, they left no messages and then would call back a short time later. This past Saturday I received 7 calls from the number XXXX. When I finally spoke to the fraud department I was told my claim had been taken care of and that I would have a XXXX balance, and would n't be receiving phone calls any longer. Today I have received 3 calls so far from the same number, XXXX. I answered once and they hung up.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/year> SSN : XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached XXXX. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, Last Payment, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2016-03-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I am the XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ), a XXXX of approximately XXXX homes in the XXXX, TX area. Our average home price is between $ XXXX to $ XXXX. There is unfortunately a home located at XXXX XXXX XXXX, XXXX, TX XXXX that has been vacant for the past five or so years after the owner was placed in a XXXX XXXX. XXXX has had to spend {$30.00} per week to maintain the yard as the mortgage company does not have anyone maintaining the home. This has been going on now for over five years. The home continues to deteriorate to the dismay of the neighbors and the community. The back yard is a health hazard due to overgrown vegetation. The mortgage company is Ocwen Mortgage and of course they refuse to speak to anyone about the home due to privacy reasons. The home has never been posted for foreclosure.
Consumer complaint received 2016-03-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (WV)

Nordstrom FSB has posted a delinquent charge on my credit report. In XXXX 2011, someone fraudulently opened a Nordstrom FSB credit card in my name and charged {$720.00}. I called Nordstrom FSB, sent them my actual information to show them my current address, phone number, the date I have lived at the current residence. They advised me they would cancel the account and close it as being fraudulent. They never closed the account and it is still listed as open on my credit report. I need them to close the account and list it as fraudulent.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (LA)

Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OK)

This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SYNCHRONY FINANCIAL (NJ)

For the past year, I have been in correspondence with XXXX XXXX XXXX regarding at Walmart account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Pressler & Pressler, LLP (NJ)

For the past year, I have been in correspondence with Pressler and Pressler regarding at XXXX account. Prior to bring sue ( unknowingly ) by this company, I provided proof that I have been collecting unemployment benefits since XXXX XXXX. I also sent then another company in XXXX XXXX. On XXXX, XXXX, XXXX, XXXX constable by the name of XXXX XXXX withdrawal funds in the amounts of {$890.00}, which is not the amount owed, from my account without my permission. This practice is against Federal and state of NJ laws when collected monies owed. I am currently on Welfare due to my unemployment benefits being exhausted. This company is refusing to reimburse my funds.
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Bank of America moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than XXXX