davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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. (MD)

On XX/XX/XXXX, I opened an account with Citibank when I purchased a washer and dryer from Sears. They assured me that Sears would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my PO Box for billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned Sears and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from Sears informed me that the salesperson was new and didnt know that Sears doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at Sears. I telephoned Citibank and Sears to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that Citibank was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, Citibank mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that Citbank reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected Citibank to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that Citbank clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between Sears and Citibank. Citibank has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX  XXXX
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX  Bankruptcy was Discharged on XX/XX/2016.

2. Ally is reporting to both XXXX and XXXX  that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID.

3. Ally is reporting to both XXXX   and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.
Consumer complaint received 2023-09-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My sole income is Social Security XXXX and XXXX XXXX XXXX. XXXX & XXXX started sending me collection letters on XXXX XXXX regarding a credit card from Bank of America. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for XXXX XXXX XXXX, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

XXXX & XXXX knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

XXXX & XXXX wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

XXXX months later, XXXX & XXXX had no option but to petition the state court to dismiss their lawsuit, and I received my discharge XXXX month later. 

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified XXXX XXXX XXXX in writing ; ( XXXX ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( XXXX ) sending repeated collection letters, XXXX day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I received correspondence like millions of other people to recertify my student loans and to apply for the new SAVE program as soon as possible. On XX/XX/XXXX, I followed the link of my servicer 's website ( AIDVANTAGE.COM ) which redirected me to FAFSA 's website. This was nothing new, as XXXX did the same thing. I followed the directions and applied for the SAVE program and directly linked FAFSA to my IRS account successfully. I was tentatively approved on the new program for XXXX XXXX/month and XX/XX/XXXX pending review and acceptance from my servicer. According to the application progression on FAFSA 's site, AIDVANTAGE provided acceptance and approval on XX/XX/XXXX. I received a bill from AIDVANTAGE XX/XX/XXXX for {$300.00} due late XXXX. I emailed AIDVANTAGE because their telephone number was busy repeatedly and their chat function said " closed try during business hours. '' I received a response on XX/XX/XXXX saying they never received an application and that I had to complete a repayment plan exit before changing to the SAVE plan which included paying one full month on time payment. So they gave me 8 days notice to pay over {$300.00} when I was led to believe my payment would be {$0.00}. I tried to schedule a call back and there are no dates or times available. 

Even today when you go to aidvantage. com, there is a popup window that tells you to go to studentaid.gov to apply for the SAVE plan.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (WI)

Hello, I opened a credit card with XXXX XXXX last year to help build my credit and apparently, they transferred their credit accounts to XXXXXXXX XXXX XXXX ' in late XX/XX/2017. I made all of my monthly payment online at the XXXX XXXX 's website and when I was attempting to make my payment for XX/XX/2017, the website would not allow me to log in. I was waiting for any correspondence to inform me on how to make payments towards the account. At the time, I had less than {$80.00} to satisfy the account. 

I finally received an email from the new company late last month, stating the account is now in collections. After checking my credit report, I verified they've reported delinquency and the collection status. I don't feel this is the best practice of any financial institution, since up until last month, I have not received any electronic or postal correspondence on how to make payments. 

Thank you for your assistance to resolve this!
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

The credit companies drop my score @ XXXX because of the XXXX bankruptcy. I have not missed any payment since XXXX and the had that on record for almost 7 years and they still bring up, after they try to get to join boost or get one of their credit cards. Its Equifax and XXXX not sure of XXXXXXXX XXXX I believed that I am being bully because the hold all the cards! This all just happen in the last 2 to 3 weeks.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Dear Sir/Madam- I have an online Capital One 360 Account, since year XXXX. This account had an overdraft feature of {$1000.00}. The feature used sparingly by me. However, it provided me a degree of comfort Banking with Capital One in case of an emergency. I also have a Capital One Credit Card and I keep the auto payment option active, so that my payments are automatically processed every month. 

On XXXX or XXXX of every month my auto payment processed the credit card payments. In the month of XXXX a payment of {$2400.00} was declined by Capital one on account a {$14.00} shortage in my checking account. I called the Capital One 360 Bank and asked them as to why my payment was declined and I was informed that the overdraft feature was discontinued in XXXX XXXX. From my statements I can see the overdraft feature was used by me in XXXX of XXXX as well. Moreover, discontinuation of the overdraft feature was not communicated to me by the Capital one 360 compliance team. However I made the payment of {$2400.00} on XX/XX/XXXX promptly upon receiving a text message about my payment not being processed. They made some major changes to the software online and did not communicate the changes to the customer. The Capital One Credit card team has charged me late payment fee of XXXX on XX/XX/XXXX. Looks the compliance team at Capital One did not provide adequate explanation nor communication to the customer. Also Capital One Bank is facilitating the Credit Card division to make predatory charges though they remain two different entities. I would require a third party to arbitrate and ensure that US consumers are not taken for granted. We form 60 % of the US economy and we deserve the due process to be followed through trust in Banking. 

Note : On the day of the transaction my Savings Bank account had an excess amount, which could have ultimately processed the transaction in a timely manner. Capital One ignored this aspect too. 

regards XXXX XXXX
Consumer complaint received 2023-05-17
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. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately. 
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
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NY)

For the month of XXXX and XXXX, American Honda Finance reported that payments were late. 15 US Code 16814 titled Definitions Rules of Construction paragraph 2 of this title is titled exclusions and Sub paragraph A, Subsection I states that transactions are not included in the Consumer Report. Also, the payments were made.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 RE : ACCOUNT NUMBER XXXX DEAR PROFESSIONAL DEBT, I WAS INCONTACT WITH XXXX XXXX FROM YOUR DEPARTMENT BUT HAVE YET TO GET AN UPDATED RESPONSE. I EMAILED WRITITNG TO YOUR MOST RECENT CORRESPONDENCE RELATED TO THE ACCOUNT NUMBER I REFERENCED IN THE SUBJECT LINE ABOVE. AS I AM CONSIDERING THE POSSIBILITY OF SETTLING THIS DEBT. 
I ACCEPT NO RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I SENT AN OFFER OF {$1500.00} XXXX LUMPSOME OF PAYMENT TO PAY THIS ACCOUNT OFF WITH AN EXCHANGE OF THIS ACCOUNT BEING DELTED AND REMOVED. I THEN RECEIVED A CORRISPONDANCE ON THE XXXX STATING THAT {$2700.00} IS YOUR CLIENTS BEST/FINAL OFFER. I THEN SENT ANOTHER EMAIL STATING THAT {$2700.00} IS NOT SOOMETHING I CAN PAY AND MOST DEFINITELY NOT BY THE XXXX. HOWEVER I AM TRYING TO TAKE CARE OF THIS DEBT BEFORE I LEAVE OUT THE COUNTRY. I WOULD LIKE TO BE ABLE TO SETTLE THIS DEBT INSTEAD OF SITTING FOR 7 YEARS AND FALLING OFF. 
AS OF NOW {$1500.00} IS THE MOST I CAN PAY ON THIS DEBT. IF GIVIEN UNTIL THE XX/XX/2023 I CAN PAY {$2000.00} ON THIS DEBT TO SETTLE IT OUT WITH A XXXX TIME PAYMENT. AS STATED BEFORE I DO NOT ACCEPT ANY RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I CAN OFFER A SIGNIFICANT SETTLEMENT AMOUNT IN EXCHANGE FOR THE FOLLOWING : XXXX. YOU AGREE, IN WRITING TO DESIGNATE THE ACCOUNT AS PAYMENT IN FULL ONCE YOU ARE IN RECEIPT OF THE AGREED UPON PAYMENT AMOUNT. THE ACCOUNT WILL NOT BE DESIGNATED AS A PAID COLLECTIONS OR SETTLED ACCOUNT. 
XXXX. YOU AGREE, IN WRITING TO COMPLETELY REMOVE ANY, AND ALL REFERENCES TO THIS ACCOUNT FROM ALL CREDIT BUREAUS TO WHCH YOU REPORT. 
HOWEVER, AS I DO DISAGREE WITH THE SETTLEMENT AMOUNT SENT. I AM WILLING TO PAY $ XXXX {$2000.00} TO SETTLE THIS DEBT DEPENDING ON THE DATE OR TIMEFRAME GIVEN IN EXCHANGE FOR YOUR AGREEMENT TO REMOVE ALL INFORMATION REGARDING THIS DEBT FROM ALL CREDIT REPORTING AGENCIES, SO WOULD YOU REPORT WITHIN XXXX CALANDER DAYS OF RECEIPT OF PAYMENT. 
IF THE ABOVE MENTIONED ITEMS CAN BE MET, IM WILING TO MAKE THE PAYMENT ON THIS DEBT IMMEDIATELY. WHEN I AM IN RECEIPT OF A SIGNED AGREEMENT WITH THE AFOREMENTIONED TERMS FROM AN AUTHORIZED REPRESENTATIVE ON YOUR COMPANY LETTERHEAD, I WILL MAKE PAYMENT. AS I LOOK FORWARD TO RESOLVING THIS MATTER QUICKLY. 
SINCERELY, XXXX XXXX
Consumer complaint received 2018-03-18
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: CITIBANK, N.A. (OR)

I bought used chiropractic equipment from an office overseas, that I was previously employed by. 
Seller required ( per our PnS ) full payment wired ahead in order for me to take possession of the equipment, which was done on or about XX/XX/XXXX. 
While on location - On XX/XX/XXXX or XX/XX/XXXX the Seller persuaded me to buy the business and keep it running. I agreed, and gave credit card authorization for {$8100.00} to handle extraneous " service charges '' required by the landlord. 
The following day, ( XX/XX/XXXX ) I cancelled the purchase of the business. I sent my reasons why and requested refund. I also Called CITI and was Assured since I received no product or service I had nothing to be concerned about. I received no cleaning service or product for that {$8100.00}. 
The seller, found another business to fill his office vacancy. 
I have a PnS agreement ( attached ) for the equipment, In section 5 under DELIVERY- it clearly states that the " buyer ( me ) is responsible for moving and transporting the equipment and all related charges. 
I have no such paper work for the {$8100.00} and the seller claims ( after the fact ) that the money was used in some fashion for packing and shipping the equipment, Which is simply not true - I have receipts showing separate payment for those services by others. The seller has no right to this money. And although CITI Bank was in agreement initially, they now claim that the case is closed. 
Very frustrating they'd align with the seller.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Plus Inc (CA)

Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
Consumer complaint received 2018-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: YKS Acceptance, Inc. (WY)

On or around XX/XX/2013 I purchased a vehicle from XXXX in XXXX Colorado. Within a week the vehicle had a bad fuel leak and electrical issues. I notified XXXX  of the issues and wanted to return the vehicle, which they refused and said they would arrange for it to be repaired. After being run around for about a month and the vehicle not being fixed to be able to operate safely, I demanded that they take the vehicle back because I was not going to pay for a LEMON that was unsafe to drive with gasoline leaking and endanger my XXXX sons life or my own to operate. The vehicle was returned with less than 100 miles drove ( including from XXXX Colorado to XXXX Wyoming where we live ). XXXX has since reported it as an involuntary vehicle repossession on my credit, and a balanced owed, which needs to be removed. This debt should not be owed because it was sold to me under false pretenses that it was in great working order, which obviously was not and had some quick fixes to sell to me.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

equifax is a dirty evil NON RESPONSIVE credit reporting company that has thoroughly screwed up my credit AND DROPPED MY FICO SCORES beyond repair!! I'm a XXXX person and a XXXX veteran, and made a serious complaint about XXXX XXXX XXXX, of XXXX, Minnesota, that XXXX XXXX AND EQUIFAX are intentionally misreporting my mortgage amounts, such that it looks like i never paid ANY amounts of the principle on my mortgage ( SHOULD BE XXXX NOT XXXX $ )!! 
When i reported this to equifax VIA THE CFPB, EQUIFAX OPENED, WITHOUT MY KNOWLEDGE OR CONSENT OR WRITTEN AUTHORIZATION, A DISPUTE ON MY CREDIT REPORT!! THE DEVELOPING WORLD CALL CENTER REPRESENTATIVE WHEN I CALLED AT XXXX XXXX ON XX/XX/23, WHO WAS A TOTAL UNRESPONSIVE JERK AND NON RESPONSIVE TO ME, REFUSED TO CLOSE EQUIFAX 'S DISPUTE THAT I DID NOT REQUEST!!