davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

Because of a return of merchandise purchased on my Home Depot consumer credit card, which is administered by Citibank, the account ended up having a negative balance ( credit ) in the amount exceeding {$1000.00}. 

I called Home Depot card customer service around XX/XX/2018 and requested that the balance be transferred to my checking account ( same account Home Depot card has on file that I use to pay my monthly balance ). I was told the credit will take a few business days. 

No funds have been transferred, and I called again today, XX/XX/2018, to inquire. I was then told that because the amount is over {$1000.00}, it might take up to 17 days for the transfer. 

Why is Home Depot card holding on to my cash for so long? 

When it comes to paying my monthly balance, regardless of the amount, my payment usually credits to my account within a couple days. When it comes to the reversed transaction, the company is dragging their feet to maximize the time they are in possession of my cash.
Consumer complaint received 2023-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

We lived in an apartment complex and signed a year lease with them on XX/XX/XXXX. We paid on time and gave a XXXX $ security deposit. We moved out before the end date of midnight XX/XX/XXXX, left the apartment empty with no damages, and paid our final dues. SIX MONTHS LATER my friend gets a call from a collection agency asking for me. I call the collections company to see why they are bothering my friend and they say i owe them money and i need to pay right now or that they're going to send it to collections and continue to call me and my friend until i pay ( threat ). I didn't receive any letter any call and suddenly it ends up in collections for something i already paid.ON TOP of all of that they kept our security deposit and are still trying to get more money out of us.
Consumer complaint received 2018-08-20
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. (FL)

So i checked my credit report 2 days ago and noticed that there is supposedly an account thats been open for 2 years and 2 months that belongs to a XXXX year old with my name, it also says there is a missed payment. I believe this only shows up on the equifax report. I think they have confused me with my father because we share the same first and last name, him being XXXX and me being XXXX. It is impossible for this missed payment and credit history to be mine seeing that i am only XXXX and have just gotten a credit card in the last month while in college.
Consumer complaint received 2018-08-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

To whom it may concern : I have sent several letters to Experian/XXXX to validate XXXX XXXX. I advised them at the time of purchase I was incarcerated ( see enclosed ). I also ask XXXX XXXX to validate the said account and have not heard back. 
Each time that I send Experian letter to inquire about this entry on my credit profile, they send the same standard response. THE INFORMATION HAS BEEN VERIFED and that is was a joint account. 
I asked that Experian send me a signed copy that I agreed to this purchase. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) if they can not send me a signed contract or send Verification they must delete the entry.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4.XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete 5. XXXX - this account doesn't belong to me. 
Action Requested : Please Delete
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management (FL)

I received a copy of my credit report and there was a collection reported from XXXX XXXX XXXX but the bill was paid directly to the provider. There was a mix up with the insurance and it wasn't until a little later I was informed that my insurance coverage did not pay for it so I paid immediately. This never should have been sent to collections it was paid before this even started to report.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

I am a long time Citibank cardholder and my credit history can confirm that I pay on-time and in full every month. Twice I have experienced what I consider unethical practices when enrolling in or making changes to auto-pay. The company has resolved my problem but I am concerned that they are taking unfair advantage of other customers and I think they need to amend their practice. What happens in that you enroll in auto pay and you get a letter confirming that you are enrolled but when the next due date rolls around, no deduction is made and Citi charges you a late fee and interest. When this initially happened they said " didn't the representative tell you? '' but the answer was no. They refunded the charges but it took a second call the next month. Then on XX/XX/XXXX I called to change banks. Warily I asked the representative if the charges due on XX/XX/XXXX would be withdrawn or skipped and she assured me that I had placed the request in plenty of time. She also agreed to push back the payment date to the XXXX  of the month. I called a second time on XX/XX/XXXX and the representative told me that the listed bank was the new one. So on XX/XX/XXXX with no deduction from my bank account I called and discovered that the withdrawals and date change wouldn't start until XX/XX/XXXX. The rep was very nice and apologized and reversed the late charge and interest, but I was furious with Citi that I had been duped twice. I see no reason that the autopay can not take effect within 15 days and if it can't be, then every representative must be obligated to state that fact very clearly and a letter should be sent to that effect.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (FL)

I had made a chime account and had instantly transferred money over to the chime account from my bank account. I later received an email that my account had been closed with no explanation. So because of this my money is now stuck with chime because I had never received it back in my bank account. Ive now had to go back and fourth in email with them about 20 different times now with it going absolutely nowhere and getting no explanation of how and when I would receive my money back. I had provided them all the documents they requested from and still got nowhere with them.
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2016 I submitted Identity theft papers to transunion consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XX/XX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NJ)

On the date of XXXX XXXX while trying to make a {$500.00} deposit at a Wells Fargo branch the teller stated to me that I forgot to put my account number on the deposit slip after giving her my money and I.D . The slip was returned to me along with my I.D . but no money was returned. So at this point I feel out another deposit slip and return to teller she says to me I see you want to deposit {$500.00} but there is no money. I stated to her I gave you {$500.00} in {$20.00} bills she replied back that I did not. My issue here is that the bank did an investigation on Monday the XXXX of XXXX because there was no security on site on the date of the incident. My money was returned to my account on Monday evening of the XXXX. The explanation I was given was it was a mistake but never saying what happened and the explanation came from the police Dept. I feel as a consumer I deserve a better explanation then it was just a mistake. My question is where did my money go at that time of the mistake and why could n't the mistake be cleared up at that time. As being a part of an investigation I feel I have the right to know the out come of the investigation in full. Giving me my money back was appreciated but doing this with really no explanation but only it was a mistake is like saying here is your money now go away. Again I need to know the truth in this matter.
Consumer complaint received 2016-12-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BARCLAYS BANK DELAWARE (AZ)

sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX 
got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. 
contacted cust. service. no help. re called asked for super. refused to help. 
they do this frequently XXXX reference XXXX pos XX/XX/XXXX
Consumer complaint received 2018-08-21
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (FL)

I was under forbearance due to hurricane Irma and called every month asking status of the cap an extend. I was told dont worry about it and it was still being approved and their backed up. I stated I wanted to start making my payment and was told not nessary. Then after 8 months was told va approved it if freedom mortgage did two things. They refused so it was not approved and I was told I owed XXXX right now and they reported on my credit. I argued that they need to give me 30 days to make some arrangements. After a lot of arguing and filing a complaint with cfpb they agreed to payment arrangements and removed off my credit. I have made every agreed payment and now half way thru the agreement they started reporting on my credit reports that Im late and its not correct. I have made every payment as agreeded. The refuse to remove it again. This is unfair to me and still seems as it has all along as predatory lending and they are trying everything to get the house. I have XXXX payments left under the agreement and they are damaging me by in correctly reporting that I have not payed as agreed and am delinquent.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CO)

Complaint 1 : I made my payment early as I often do, though I'm on automatic payments. When you do this, there's a disclaimer saying that your additional payment will reduce your automatic withdrawal payment by the amount of the additional payment. I haven't had the payment come out twice before. It did this time, and when I asked about it, they treated me like an XXXX. I even selected " Principal Only '' for the additional in case this happened, yet they took interest from both payments. This shouldn't have come out twice, but if that's how they're going to run their business, then additional payments that have been marked for Principal Only need to be Principal Only. 

Principal Interest XX/XX/2018 Pending {$100.00} XX/XX/2018 Payment {$120.00} {$100.00} {$18.00} XX/XX/2018 Payment {$110.00} {$110.00} {$0.00} Complaint 2 : I refinanced the majority of my loan in XXXX to another servicer because Great Lakes ' practices are so terrible. The balance left with Great Lakes was a little over {$6000.00}, yet they did everything they could to keep my monthly {$350.00} payment that I was paying when my balance with them was nearly $ 30k. I had to fight tooth and nail to reduce the payment to what it should be. I got through the whole hour-long process on the phone the first time, and was told I'd have to wait over the following weekend for changes to take effect. The changes never came, and the entire {$350.00} was withdrawn from my bank account. I called to see where they were at in the process of changing it, and they claimed they had no record of my call. So I went through the whole process again. I saw nothing still the following week, so I called again. Again, no record of me calling. On the third time, after threatening reporting them, my payment changes were made.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (GA)

My CBNA/SHELL card was closed on XX/XX/2022 the reported balance is {$7500.00} and XXXX reported balance {$6100.00}. A collection agency contacted me about this balance when I provided all the paperwork, they didn't understand why I was billed for the dispute and contacted the company. This account is with a collection agency and Citi is still reported a balance after transferring to an outside collection agency which is a violation. How can this account be with a collection agency that's attempting to collect this balance and Citi still reporting this balance after charging off this accounts.
Consumer complaint received 2018-08-20
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. (AL)

This is a collection for a vehicle that I surrendered over 10 years ago. At that time I was instructed that I would receive a letter prior to the vehicle going to auction that I would be able to reinstate my payments. I fought the finance company on setting up my payments and in the meantime they sent the car to auction without sending me the letter explaining my options, which by law they have to send the letter. I contacted an attorney who in turn wrote a letter on my behalf. They finally agreed to charge the debt it off. I want this off my report. I did not even know that this was on my report until I applied for a mortgage and it shows up this many years later. Unfortunately my home was robbed and they stole my safe with all of my legal and important papers. This is such an old account I have no way of providing all of the supporting evidence that was used in the initial dispute against XXXX XXXX over this vehicle. Please remove this from my report as the letter was never sent and I feel the company did not follow the law. I have not had any contact or notices in years! Again, please remove this from my report.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I checked my credit report from XXXX, XXXX and XXXX. I have also submitted disputes with each XXXX but nothing has been deleted and it's really stressing me out. When i contacted XXXX XXXX on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX XXXX trade-in would be redacted and deleted within XXXX days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
Consumer complaint received 2018-08-20
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. (FL)

I checked my credit report from Equifax, XXXX and XXXX. I have also submitted disputes with each CB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would be by XX/XX/2018. However, as of XX/XX/2018, the negative balance has NOT been deleted and still reports on my credit report. Screen shot attached.
Consumer complaint received 2018-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) XXXX a consumer contract with my signature on it XXXX  and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MLD MORTGAGE INC (NY)

MLD MORTGAGE, NJ ... " XXXX XXXX XXXX  '' In XX/XX/2018 I engaged in the mortgage process for a home we have been living in. Everything went well then, of course. Credit, income, employment, etc ... Was approved in its entirety. XX/XX/XXXX I received a commitment letter and email stating that I was fully approved. The company between the commitment letter I received and XXXX had a " walk out '' that included several higher up employees, due to mal-practice if you will. I was told not to worry my loan would be handled accordingly. So I stayed with them, trusting I would be sitting at the closing table soon. Come XX/XX/2018 I received an email stating they are sorry but my loan had been denied. How could it be denied if there was commitment and full approval. They proceed to explain that its because even though I have been XXXX XXXX for XXXX ', my recent switch to XXXX XXXX XXXX XXXX was part of the reason. Also my income ... Even though after expense I have more than doubled my income from prior years. My credit score went up since I applied for said mortgage. They declined me on false reasoning and was told it would be placed on the uppers deck for further inside investigation. Well now I'm here. And I will tell you all to steer far clear of this mortgage company.