davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

There are 70 pages on this attached scan : Pages 1-16 from XX/XX/XXXXI showed citbank how XXXX XXXX XXXX   illegally increased my move after beginning to load my property per 49 CFR 375.401.

Pages 17-20 XX/XX/XXXX was a reply from me to citibank with receipts they asked for.

Pages 21-24 Was me sharing 12 news stories about XXXX XXXX XXXX  onXX/XX/XXXX.

Pages 22-34 from XX/XX/XXXX Was me again explaining to citibank how XXXX XXXX XXXX   illegally increased my move after loading began.

Pages 35-69 from XX/XX/XXXX was me providing citibank with the indictment info about XXXX XXXX, who is the employee of XXXX XXXX XXXX that signed the contract ( yousee it twice in this scan ) citibank keeps showing me I was involved with from XXXX.

Page 70 was the final letter mailed to me from citibank, saying they have declined my third dispute.

On XX/XX/XXXXwhen I called after receiving the above final letter from citibank, I requested a Supervisor, and his name was XXXX. XXXX described to me per the federal guidelines a dispute is only allowed to be opened once and never opened again. XXXX could not explain to me why my charge was allowed to be disputed three times. XXXX  declined to give me any contact information for his, and said this is not allowed. He did however attempt to offer me a {$250.00} credit for citibank incorrectly advising me that I could dispute a charge three times. I declined the credit, and requested he " XXXX '' research all three disputes. He stated he does not do that as part of his job. He stated no one has a job to do this. But he did say he would call me back. On XX/XX/XXXX someone from citibank called me back and left me a voicemail, saying if I have any issue with the resolve of my last dispute to contact them back.

OnXX/XX/XXXX I tried to contact XXXX again, I specifically left a message for him again.

On today XX/XX/XXXX I tried again to contact XXXX, I specifically left a message for him.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end. 

As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account.

It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account. 

I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort.

HSBC has refused to help with my situation, so I am hoping CFPB can. Please help. 

Thank you so much.
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy Record being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from Equifax Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore Equifax did not properly validate this information. On XX/XX/XXXX I received a letter from XXXX file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide XXXX with such information and therefore, this information was not properly verified.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I've been trying to lift a security freeze online since XXXX. I've attached the most recent screen shots, from today. In essence, when I try to log on, it says temporarily unable to to complete this request - it's been saying that since XXXX! If I try to cerate a new account, it says I already have one, and if I need to reset my password to use a a link that does not exist. When I clink the link saying I need sign on help, it says no account found, but will not let me sign up for one because I have an existing account.
Consumer complaint received 2020-04-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Consumer Finance : I am on XXXX and get {$520.00} per month. I was on an Income Sensitive Repayment Plan or an Income Based Repayment Plan and had {$0.00} listed as my payment in XXXX of XXXX and I can not get them to approve me for that payment plan again. I have a XXXX-year-old and I must rely on others to help pay for his needs. I have struggled with them for years and they put it on my credit. I have done everything they asked me to do. I sent in a recertification letter on XX/XX/XXXX and received confirmation they had received it on XXXX, XXXX. Before that I have tried to apply for discharge of my loan in XXXX of XXXX via snail mail and they wouldnt approve that. Meanwhile my credit score is XXXX and it was XXXX. The websites they have for Nelnet.com and XXXX are horrendous. I must reset my password every time and sometimes I can not get in. I dont know what to do about this. They wont work with me. I need my credit fixed at least. I need a loan to cover me during the Covid-19 crises and I can not get one. I think its unfair that they report it to my creditors, and they will not approve any plan I apply for. Thanks for your time! 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-24
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. (NC)

I spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revco Management, LLC (AR)

CBCS KEPT CALLING MY CELL AFTER CEASE AND COMMUNICATION LETTERS AND DURING AUTOMATIC STAY BK XXXX. 12 CALL DOCUMENTED SCREENS SHOTS.THEY ALSO WERE CALLING MY HUSBAND AT ( XXXX ) XXXX 15 TIMES AFTER THE SAME.
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2020-04-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (FL)

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX ( Closed ) I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018 XXXX XXXX sent me a letter stating the total amount owed was {$0.00} this has not been updated on my credit report. I have disputed this item and it has not been resolved it still shows negative information. this account is settled and paid completely.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NV)

at the end of 2018 i statrt receiving a calls from collecting agency called pro collect in regards to lease apartment  at XXXX XXXX XXXX  XXXX  in Texas, so i thought it was a scams calls because i never lived in Texas i live in XXXX XXXX Nevada, then they sent me a mail with all the information, i went to XXXX XXXX police Department and i filled a Fraud complaint, i send i to the collection agency, the said this is not enough they still beieve it's me, and the XXXX XXXX Police department were not able to run invistigation Due to Jurisdiction matter, i report a theft identity and also send it to them a long with my ID and the lease for where i live in XXXX XXXX so to confirm that i was living in the different place for the same time, Also i filled online police report In texas but never get any reply from them, finally i filled a complaint with Texas attorney General and the refere me to report it here please this is on my credit report for the last two years and it's effecting me a lot and all the dates and details it's in the attachments
Consumer complaint received 2018-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (WV)

Truist Bank in XXXX WV. I needed a loan to start a small business. XXXX a loan officer with the bank presented me with a line of credit instead of mortgage. He explained to me that the interest was based on the prime interest rate and that it would be locked in the day I cashed the check. My first payment was under XXXX dollars. I noticed my payments continually increased to almost XXXX dollars and that none of the principal was decreasing. In XXXX I met with the Truist Branch, and they told me I was in an interest only loan that was based on the daily revolving window. I was mis-lead by the loan officer because I would have never taken this type of loan.

I am an Active-duty service member with over 25 years of service and should not be charged over 6 percent according to the Service member Civil Relief Act.

Truist Bank Client Advocacy sent me a letter dated XXXX XX/XX/year> stating they reviewed my case but could not get ahold of me. I have XXXX missed called from Truist. The Client Advocacy representative XXXX XXXX did not answer any of my phone calls for 30 days. He did not return and of his messages. I had to contact customer service after 30 days and I sent a copy of my XX/XX/XXXX orders to XXXX. Truist did not respond to 2 of my emails. Today I contacted customer service and waited for 30 minutes, and the representative told me it was my fought they tried to call me. They lied in their data base. They did not communicate with me violating the Federal Freedom of Information Act. Finally on XXXX XX/XX/year>. I spoke to a representative who said my only option is to refinance with all the applicable bank fees. To further detail the loan officer new that I was an XXXX XXXX service member.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I got a XXXX  XXXX XXXX credit card and paid it off, thinking everything was paid there was a past due amount for {$19.00} back in XXXX. It went past due for 30 days and then for 60 days so I called and they took off the late fees and I paid the {$19.00} but they still put it towards my credit score. I called them but they said they cant do anything.
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: THE GUERRINI LAW FIRM (CA)

I received a letter via U.S. Mail which is attached. The letter states " Their client, XXXX XXXX '' has a Judgement against me and is offering to settle for {$960.00}. 
I have never had an XXXX card and I don't believe this is my debt. I am being told to send this money in by XX/XX/2018 or the deal will expire.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Westlake Services, LLC (NC)

Im a student at XXXX XXXX XXXX XXXX, in NC. I had my first car purchase financed through XXXX XXXX XXXX. I have been a customer with them since XXXX, XXXX. I recently refinanced through XXXX XXXX XXXX XXXX in XX/XX/XXXX. Due to refinancing, I received a check from XXXX XXXX for an amount of {$70.00} on XX/XX/XXXX. During this time, I was also waiting on the arrival of my student financial aid check ( state ). It turns out I accidentally put in the wrong banking information for my check to be direct deposited into. I put the account and routing number at the bottom of the {$70.00} check that they sent me. Below I attached an image of the check to see the banking information. I also am attaching an email confirming the trace of my student check, showing that it indeed went into that account, which I was told was a business account. Once I realized I put in the wrong information, I immediately changed it momentarily, however I was too late. I reached out to the school and was told that since I put in the wrong information, I authorized the check to go into that account and that there was nothing they could do. So I decided to call XXXX XXXX, which is the bank that XXXX XXXX with, and they told me that they could not just take the money out of their account, even if it was a mistake and didnt belong to them. After that, I decided to take it upon myself to contact XXXX XXXX. I filled out several requests to speak with the CEO, but never heard anything back. I spoke with several customer service representatives, trying to explain the problem, but I had no help. I was told multiple times that Id be called back, regarding more information, but never was. Finally I talked to someone who seemed to understand the situation and he told me that I would be receiving a check with the full amount of my student check which was {$940.00} in 21 business days. I asked for his extension in case I had any problems and he gave it to me. It has now been 28 business days, and I called the extension to speak with him to see if he had any information on when it may be arriving, and the telephone operator told me that it was an invalid extension. The amount of {$940.00} was deposited into XXXX XXXX  on XX/XX/XXXX. I was supposed to receive this check to help pay for my school expenses. I had to take out of my own pocket, during this pandemic where I was left jobless, to pay for these expenses myself. This bank treated me and my situation very poorly when the money wasnt theres first to begin with.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: BARCLAYS BANK DELAWARE (CA)

I deposited my COVID-19 stimulus check worth {$1200.00} on XX/XX/2020, and the check was approved on XX/XX/2020. As of XX/XX/2020, the funds from the check were not available. 

I contacted Barclays to let them know that a Federal Treasury check meant they had to have funds available on the next day following a deposit. This statement is in accordance with the next-day availability requirement in Regulation CC and section 229.10 ( c ) of the Expedited Funds Availability Act. 

However, Barclays told me they would make me wait for five business days before they would make the funds available.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (CA)

On XX/XX/XXXX, I tried to use my XXXX to cash a check mobilly. XXXX has partnered with Ingo money services to perform these tasks. I entered into my secure XXXX app, and followed the directions for instant deposit, taking a photo of the front and back of the endorsed check. I then received a message from INGO with the XXXX logo that they were ready to deposit the money into my XXXX, but first I needed to write VOID in big letters across the front of the check. I did so, and used my secure XXXX app to send the photo. However no matter how many times I tried, the app would not accept or approve my picture. It appears that the app is flawed or has a programming issue. When I take my picture, the app enters another screen and then flips vertically, then horizontally, and when it goes back to verticle, the image file is gone and the app says I still need to take a picture. No matter how many times I take the picture, I can't get it to send. I called XXXX, who told me they could do nothing and to call INGO. I called INGO and emailed and when I did they said it was because I quit the app and it turned out. I tried to tell them I never quit the app and that it seemed like a programming issue because the window kept resetting but they wouldn't listen and just told me to go try again. I did try again and the same issue is happening. 
An hour after submitting my check INGO sent me a message saying the transaction was declined because they never received an image of my voided check, but not to worry because the check was still valid and I can't try elsewhere. Of course, that's not true, the check is no longer valid since I wrote VOID across it in big letters. Now the check is worthless, XXXX will do nothing and INGO is unreachable in any timely matter, and they seem not to listen to the problem. Thank God that this was only XXXX  dollars lost, I have two other checks here I was going to cash with the same method totalling over 400 dollars, which would have been a huge load for me. INGO should not be asking people to write VOID across the checks if they are not going to accept the photo or be available to resolve the issue before they decline the entire transaction.
Consumer complaint received 2020-04-28
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: LEXISNEXIS (OH)

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.