davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

My spouse applied for a credit card w ith Citibank.  She received the account, and used it twice. Days later the account was closed. We received a letter asking that she complete Form  XXXX , attach a copy of the front and back of her social security card and a copy of the letter they sent. They did not explain why they were asking for a copy of the social security card. They stated that she is required to use their special form  XXXX . We instead print a copy of  XXXX   XXXX  from the  XXXX  website and attached it with the social security card and a copy of their letter. When speaking with the fraud department they would not give the full name of the individual I spoke with. Nor would they give me the phone number of full name of their managers. What I do not understand is why are they asking for the social security card? I have applied for many cards, and I was never asked for the card. My wife has a  XXXX  FICO score. The would not provide any detail as to why she is being required to supply her SSA card. Nor would they provide names and phone number to someone that can explain the reason she is being denied. Is she being denied because she is a female  XXXX ? I have never used this reasoning before, lack of providing a reasonable explanation is discriminatory. They change their story each time we spoke to someone on the phone, but what cause me to file this compliant. is they chose not to give an explanation, and then they say some nebulous person made the decision and we have no right to have it explained to us. We are going to send by FAX the exact document they asked for, but if they are doing this to my wife, how many more  XXXX  women are they treating in the same manner? One of their employees had the nerve to say that we asked to cancel the credit card application. I asked for a copy of the recording that will show that my wife or I stated such a thing.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

A few months ago I tried switching my phone from XXXX to XXXX. After all I decided not to because it was n't cost effective. So months go by and I am thinking that everything is clear I pull my XXXX report right before I begin negotiations on purchasing a home. I found out I have a collection from Amsher for {$60.00}. I immediately contacted them, they forwarded me to XXXX. The representative told me i have a XXXX balance with XXXX and it was an error on their part for reporting for early termination. I contacted Amsher who promised that once my account is updated by XXXX that situation so be fix, since I requested verification of the {$60.00}. While this might be only {$60.00} it has been reporting negatively on my credit. Costing my family a lot of money. I have tried reaching out but there has been no response from this debt collector.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Received multiple phone calls from  IQ  data international regarding a debt owed from an apartment complex. I have asked for verification of debt, as well as written documentation stating what I owe. Representative states that they have sent multiple letters to my address, which they have not because I have not received on single letter. Advised that I will not pay until the debt is validated and I receive information showing what it I owe as I feel the amount they are asking for is outrageous, and I am not clear exactly what I am being charged for. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. I need written verification and validation. If this can not not be done in a timely matter, this item needs to be removed from my credit report.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (GA)

Hi. My issue is that Comenity Bank has n't reissued the card for my husband that I asked for nor increased my limit. The communication is shotty. I just filed a complaint. Instead of calling like I asked for they say that they can not do anything because there is n't a phone number listed on my credit report. Yes there is. I updated it last week directly through  XXXX . They need to update their systems. Attached to my complaint is my   XXXX   Report that I pulled directly through them with my phone number on it. I requested another card for my husband almost a month ago and I have n't gotten it. I see that they pulled my credit yesterday with my request for a credit limit increase, but no one has picked up that phone and called me. I have already filed a complaint with the BBB. My next step is to file a complaint through whomever regulates them. Is it the  XXXX ? Attorney General 's office. I have a few inquiry 's on my report due to this very issue. I would appreciate someone reaching out to me immediately. I am sure other companies would like our business because we pay our bills on time and we have never been late nor have had a return payment. I look forward to hearing from someone soon.     Please see the attachment in the personal statement section that shows my fraud alert with phone number. The information was updated last week.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (IL)

To whom  it may concern, I applied Wells Fargo Cash Wise Visa Credit Card from Wells Fargo website  on  XXXX   XXXX  because I saw there is {$200.00} cash back bonus promotion. After I submitted the application and got denial letter saying because I am not a permanent United States resident. And I called customer service and they told me their policy does not allow non-green card holder  or US citizen to open the card. Yes, I am on work visa, not qualified for that. But my compliant is that why they did not mention this as exclusion during the application. There is a citizen status question on the application webpage and I chose alien resident. Why did the system still allow me to submit the application? First, it 's a waste of time. Second, it hurt my credit profile as my credit inquiry increased by doing that. I strongly feel Wells Fargo has violated UDAAP as t hey have not been fully explained their policy to customers.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (OR)

While applying for mortgage loans I discovered that my credit score was negatively affected by multiple cards opened in my name through CITIBANK, XXXX, and XXXX XXXX. They were opened years ago and never used, but having so many cards opened hurt my score. When I called Citibank, they said their own fraud department had flagged and closed the accounts. I was never alerted to these fraudulent cards, and they still appear on my credit report to this day. I believe these cards are hindering my ability to purchase a home and need them taken off as soon as possible. The cards were opened in states I have never lived in. The XXXX XXXX is also fraudulent. They claimed it was removed from my report but it is still there. Cards are listed bellow. CITICARD CBNA - opened XX/XX/XXXX ( 3 cards ) ( remains open ) CITICARD CBNA - opened XX/XX/XXXX - closed XX/XX/XXXX XXXX - opened XX/XX/XXXX - closed XX/XX/XXXX ( 2 cards ) XXXX XXXX - last reported XX/XX/XXXX ( remains open ) At the end of the complaint report it asks for the address associated with the card. I do not have addresses for any of the fraudulent cards, but it wo n't let me continue without one. I will check the box that it is the same as mine, but that is incorrect.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NY)

previous complaint.    XXXX  Hello, as per previous complaint. I have tried again to get my account unlocked.  Wells Fargo s till insists I go to branch to close it.   I also contacted  XXXX   XXXX  as per last complaint. left message but no callback.     I then asked as advised in previous complaint to just close the accounts over phone but  Wells Fargo  still wants me to go to the branch.   as I have stated I am  XXXX  and am unable to go. They are required to close my account over the phone but insist they do not have to and want me to go to branch and that is only way to close it.   Is this how any company should run a business? This will be my last account with  Wells Fargo . period.     Please have them close my saving account and send me certified check for balance to my address on record..   I am done with this bank.     Thank you,  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (FL)

This loan company charges way out of control and can not keep making the payments. I have already pay  XXXX  to date. I borrow  XXXX . There interest is  XXXX  which when done would have pay {$3500.00}. Can not the time needed a loan. My fault for not paying attention to the fee or interest amount on the contract or on line. It is expensive way to go. Want others not to be scam into a loan shark at charge way to much for the loan. I could not get a loan from good company and could not borrow from family or friends. There was a family issue that needed to be corrected. I choose badly. I feel this has been pay in full. These loan companies are rip offs. People need to be cautions.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

For the last few years, I have noticed an account being reported to the major credit bureaus, like  XXXX  and  XXXX   XXXX , regarding an amount that  Trident Asset Management is   collecting. Apparently it bought a debt  XXXX  it claims I owe, in the amount of {$1600.00}.   Some years ago, when the account was still with  XXXX , I found it showing on my credit report. I had disputed it, explaining I had returned all the leased equipment when I discontinued service. It was removed from my credit. I have disputed this debt multiple times with  Trident  and it remains unchanged.   When the account was reported by  XXXX  years ago, it showed a delinquency date of  XXXX    XXXX  . When I look at my credit report and compare what  Trident  has reported, I see that Trident has re-aged the debt and now reports it as   XXXX   XXXX    , six months later than that reported by  XXXX . The re-aging of this account will invariably result in it remaining on my credit even longer, doing further damage with the wholly inaccurate debt.
Consumer complaint received 2017-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (ID)

I have a credit card with Chase. I also have  XXXX  & am in school full time, so my wife agreed to pay our bills. This is the second time she has been late making this payment in 4 months, which is rare. We mailed a postmarked payment on the  XXXX  of  XXXX   XXXX , the payment was due on the  XXXX , but the company did not receive it until the  XXXX . They charged a late fee. I called the company to get the late fee dismissed but they told me they only give  one  of those every 6 months & I already had one in  XXXX   XXXX . I was informed that federal law protected consumers in the   XXXX   XXXX     Postmark Payment Protection Act    XXXX . I called the company back with this information & was told that bill was only introduced by Congress but never ratified into law. My family is striving to meet our demands on a fixed limited budget to get through school. This late fee has come as an unexpected surprise to our finances. We strived to make our payment on time, but we had no idea that the mail takes so long or that these protections are not actually in place. Please help!
Consumer complaint received 2017-04-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AR)

In  XXXX  I purchased a used car that is financed through  Santander Consumer USA . It was my first vehicle purchase, so I was not well informed about good interest rates and such. While I believed that I was getting an OK deal on a loan, I actually receiv ed one wit h an extremely high interest rate of 20.6 %, which is actually higher than what is allowed in Arkansas, but I was unaware.   In  XXXX   XXXX , my car was repossessed due to getting behind in my payments. My wife and I negotiated with  Santander to p ay a certain amount and avoid having the repossession placed onto our credit. After paying, however, the repossession still ended up on our credit. I also found out that all the payments that I had been making had gone towards interest, and that I had actually only paid {$3000.00} of my principle paying an average of {$400.00} per months ov er 20+ mon ths. My loan was only around {$17000.00}. After further research, I found out about the Arkansas ursury law, which limits the most that any interest rate in the state can be to 17 %, a full 3.6 % less than what I had. I also found out that  Santander  had broken laws like this before and had lost in court decisions about it. This being the case, I would like to challenge my interest rate as well as trying to have the repossession and the late payments removed.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

Since last  XXXX ,  Commonwealth Financial has b een r eporting several medical debts it claims I owe to the major credit bureaus ( i.e.     XXXX    ). The  amounts are {$57.00}, {$300.00}, and {$590.00}. It says the debts are owed to  XXXX   XXXX   XXXX  and/or  XXXX   XXXX   XXXX . I have no record of any debts as it reported, nor have I received any notice of collection fro m Commonwealth  themselves.     I have disputed the debts a number of times, since finding them on my credit report, in an attempt to have them removed from my credit ; Ive had no   luck.
I decided to do further research and found that Commonwealth Financial has no license to collect debt in the state of Florida my state of residence,   as well as the location of the hospitals on whose behalf they are supposedly collecting. When I called the Florida  Office of Financial Regulation, I was told that Commonwealths Florid a license number  XXXX  had been voided and revoked on  XXXX   XXXX ,   XXXX  . It was still reporting and re-reporting these debts in  XXXX    XXXX  .     I am admittedly a bit confused as to how an unlicensed collection company can attempt to collect a debt from me at all, let alone report to reputable credit bureaus that heavily affect my life and finances.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX / XXXX / 2017  I saw this offer from BoA http  : //promo.bankofamerica.com/300offer/.   And direct deposited more than {$4000.00} before  XXXX / XXXX / 2017 . And I have n't received any feedback. After contacted their CSR on  XXXX / XXXX / 2017 , they said they are working on it. But never received the bonus as the moment.
Consumer complaint received 2017-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I obtained my credit report and discovered multiple errors with accounts from  XXXX   XXXX   XXXX   XXXX  stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provide any documentation to me. Neither did Transunion,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
Consumer complaint received 2017-08-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

I took out an installment/payday loan of {$600.00} on XX/XX/XXXX based on a letter I received in the mail offering me this loan. I did not know at this time nor was it disclosed that this lender was not licensed to lend in the State of California. The interest rate was 656 % which was not clearly disclosed during the application process. This is in excess of what is allowed by the State of California. According to the document, I have to make payments in excess of {$700.00} before any of my payments are applied towards the principal. This means I end up being forced to pay interest I have n't accrued yet even if I pay the loan off early. This loan will end up costing me {$1800.00} in interest over 6 months if paid as the company wants. For a {$600.00} loan. I did not realize this company was not operating under federal or state law but instead under Tribal Law. I want all communication to my cell phone to cease including robocalls
Consumer complaint received 2018-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MD)

I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency Citi Bank continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

the listed inquiries below have been challenged and Transunion has ignored all of my mail challenging these inaccurate inquiries. Additionally, they are continually reporting a XXXX XXXX account that is not accurate and needs to be deleted immediately. Transunion even blocked my computer IP address from being able to login into Service.Transunion.com. I added that image also. I also added the pdf that I sent recently to Transunion for the Inquiries.
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I have a private student loan with Navient. A repayment amount was set and I tried to see if it could be lowered several times to no avail. I continued to struggle to pay the aount of XXXX every month. I signed up to have the money deducted automatically out of my checking acount. In XXXX 2017 I noticed that no amount was withdrawn from my checking account from Navient, so I contacted customer service to to inquire why that was. They told me that they were checking into the issue and would get back to me ; That did not happen. Then it happened again in XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Today XXXX XXXX, 2017 I received a letter in the mail from the collection company XXXX stating that Navient has sent me to collections. How is it that I am sent to a collection agency when I have made payments on time and attempts to figure out why the payment ceased to be withdrawn from my account?
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

{$37000.00} was fraudulently taken from our checking account. The check ( pdf attached ) was counterfeit and the signature was forged. The actual check # XXXX is actually in our possession and the call numbers for the bank on top of the fraudulent check are incorrect. Still, Chase allowed the check to clear when presented from an out of state bank. We have been forced to cover this loss by drawing funds from our IRA which will count as taxable income since Chase told us they will not repay us ( IF they repay us ) for at least 60 to 90 days or more. Chase fraud department has told us they are not obligated to repay us unless Chase recovers the funds. We feel Chase should pay us the full {$37000.00} immediately with interest plus the {$35.00} wire transfer fee for the money from the IRA necessitated to cover outstanding bills. What is the purpose of a signature on file or insured accounts? The attitude on the part of the Chase fraud department is reprehensible. This matter was reported to  Chase on X/XX/17. Their letter to us dated X/XX/17 is attached here with a copy of the fraudulent check.
Consumer complaint received 2017-04-28
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. (VA)

I had an error in the reporting of an account type, and additional related details of my loan account. I have filed at least  4  disputes to try and correct this issue, each time the dispute is considered " resolved '' with nothing changing and no reason for lack of change. I faxed a bank statement indicating account type, and a comparison of the output credit report showing the differences between the same account between Transunion and another bureau on   XXXX    I called many additional times to both the bank and Transunion with no resolve. On   XXXX     I spoke with  XXXX  a  (   XXXX  in the Special Handling Department  )  and she stated that the faxed documentation she received did not provide enough support to change the account type. I asked why the Banks own Statement indicating account type of " HELOC '' was not sufficient. She stated " we can not tell you that it is proprietary. '' How is a consumer supposed to meet some " proprietary definition of proof '' when it can not be told to them.  XXXX  and Transunion show no willingness to help the consumer and go remotely out of their way to protect the consumers credit standing. Transunion needs to truly resolve this issue instead of faking it by closing disputes without even considering the information a customer submits.
Consumer complaint received 2018-05-24
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. (NC)

Last reported XX/XX/2017 XXXX XXXX Amount : {$11000.00} Acct # : XXXX I have sent in requests asking Equifax to remove this item from my credit report because this item has not been verified as belonging to me.