davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XXXX XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XXXX XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (ID)

On XXXX/XXXX/16 I called into Citibank to open a checking account with the promotional code for XXXX XXXX miles. I spoke with XXXX As part of the promotional fine print, I was to meet certain spending and billpay conditions. I met those, and can provide proof. Because I did not have any proof that the promo code was correctly applied to my account, I sent a secure message to Citi to confirm this on XX/XX/XXXX16. They replied, that they were unable to see the account application to determine if a promo code was applied, but that if it was, I would be eligible for the promotion. Therefore I continued to meet the requirements set forth and pay a monthly fee for this checking account, based on this response. When the miles were not credited to my account, I contacted Citi. On XX/XX/XXXX16, XXXX did confirm that a promotion code was attached to my account, but that I was n't targeted for this. Because citi was unable to provide me with this information back in XXXX, I continued forward, and only after they were to fulfill their end of the deal, did they provide me with information contradicting their earlier response.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MN)

Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.
Consumer complaint received 2016-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (ID)

Nationstar Mortgage has a new website that requires you to enter your zip code and your full social security number in order to access your account. I have always made my payments online with no problem through their old website. 

I called to complain, and offered to verify by phone, but they said they can not change the software. That is the requirement. They will take payments by phone, for a {$19.00} fee. You can also set up auto pay, once you get the forms, or mail in your payments. Both choices delay my payment. 

I have no access to my account for information, including year end tax info, unless I am willing to share my social security number online for any and all hackers to see. 

I do not understand how Nationstar can get away with this legally.
Consumer complaint received 2016-08-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MO)

Citibank NA made a hard inquiry on my credit report without my authorization or application for credit. There was no authorization for this inquiry which occurred on XXXX/XXXX/2016. I contacted Citibank via phone and they denied having made such a credit inquiry and was notified that they had no information as to an inquiry being made on my credit account and that no new account has been applied for, nor opened. I disputed the inquiry with the credit reporting agencies, through your organization, and supplied with the outcome that the inquiries were made by Citibank and would remain on the account unless directed by Citibank to remove them. According to the consensus on the internet, there seems to be many individuals experiencing this unauthorized access by Citibank , NA.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of wrong reporting of my name, unauthorized addresses and inquiries located below ; PERSONAL INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN  The consumer credit report maintained by you was not opened, made, or initiated by me. From the inaccurate spelling of my name to the wrong addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inaccurate spelling, wrong addresses, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (PA)

I tried to use the annual credit report website. I was able to get my XXXX and XXXX reports, but Equifax kicked me out, instructed me to use a paper request with unduly complicated instructions and then when I went to try and access it through the annual credit report website, displayed a screen falsely saying that I had already accessed my free report for the year. I attempted to call them and their automated system is useless.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Messerli & Kramer P.A. (MN)

The company levied the amount in my bank account after I had told them I am unemployed. 
I was behind on rent and was facing eviction during that time of the levied amount. They did not show up for court. The Hand-delivered the court ordered so I was unable to have documents submitted for the judge. Although the amount was put back because it showed it belongs to my mother, I was suffered from the loss and lease termination due to can not pay rent for three months. 
The Debtor did not take in consideration what I was saying and still pursue their documents to court when they knew I can not hire an attorney. This is unacceptable because I had proof, I am a fulltime student, low-income home, and single-mother. They did not listen and pursue whatever they can without talking to me. 

Debtor collect levied wages XX/XX/XXXX. Eviction Notice was instructed for the amount by XX/XX/XXXX. Unable to hold of anyone regarding the money. Luckily, my mom was able to borrow her friends so we do not lose our home. 
Court was XX/XX/XXXX. DEBTOR was NO SHOW. They were hoping I do not show but I was in Court with XXXX XXXX. 
Money was returned. It causes hardship and inconsiderate of what they did. I was behind rent by months. By truth, it is not I do not want to pay, but I was being kicked out of my home if it wasn't for my mom 's help. I am suffering from financial due to loss of employment. I have yet to catch up on car payment, student loans, and rent plus taking care of a teenager. 
XXXX XXXX do not check their facts. I am saddened that if I do not understand my rights, I would be homeless with a child. Please check this debt company as what they did was not ethical. 
I have documents to back up on all the dates I am implying. It has all personal account numbers. I can attach the court papers and bank levied upon requests.
Consumer complaint received 2017-09-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent an investigation request to the credit bureaus on XXXX XXXX. Its been almost 60 days, and I have yet to receive my results.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

There was an overdrawn amount of {$1100.00} paid it full on Monday XX/XX/XXXX. I was advised after paying the balance ( debt ) I would than be able to open a checking account, that was false information, they say one thing to me as a customer and another to a branch banker, I have tried all steps and still nothing. Either they allow me to open a new checking account or refund my money back and I assume all responsibility of the debt because it is super unfair that they provide misinformation and bring hopes up. Account was closed a year ago for high risk? I never did any money laundering, or take advantage the account. I was even told to allow 6 months to re open the account and again false information.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lewis, McDonnell & Associates (MA)

On XX/XX/XXXX I noticed a collection account from a debt that was addressed back in XXXX from an illegal dog lease. Back in XXXX, it was in collections due to financial problems at the time but the Massachusetts Attorney General came out litigated ( see attached files ) and it was an illegal lease. An updated order in XXXX also states even third party accounts should be wiped out as well as any negative credit info. Disputed it and the new owner of the debt ( XXXX XXXX XXXX ) denied the dispute and said it was valid. 

Called on XX/XX/XXXX where the agent was with a law firm XXXX XXXX XXXX XXXX XXXX ) which is actually just the same company where she almost immediately started making threats to take action the entire call. She was not an attorney nor a paralegal. Stating that they're sending someone to my employer to start the garnishment process within XXXX hours ( I have XXXX jobs ), that they sent notices ( wouldn't confirm if any were certified ), they were going to file with the court on that Monday ( as of now haven't been served anything ). She let me know that the current balance was {$7300.00} but if I attempted to fight it and lost, they were going to hit me with almost 3 years of late fees ballooning the balance to almost {$11000.00} ( I don't remember the exact amount ) She would not listen to me when I stated that the original debt was illegal in Massachusetts and it was gone once so why are they coming after it 3 years later and all I get for answers to that and my other questions above are " we did an investigation '', " I can't answer that ''. Pushback I also got was " we are in California '' and I let her know that I am in Massachusetts and the contract was signed in Massachusetts. I did let them know that I would file a complaint with the Attorney General, which I have. This likely explained the significant amount of out of state calls that I got beginning in XXXX as frequently as 3-7 calls a week for 4 weeks which is also against state law. ( This came from another debt collector which they likely contracted out to first ) Between XXXX and XX/XX/XXXX I worked with an Advocate on behalf of the AGs office in XXXX MA and between her and her supervisor with the documentation I provided advised that it is beyond their scope. They advised that I reach out to the MA Division of Banks, Bar Association ( to see if they are even licensed ) and the CFPB ( since my credit is affected ). 
I called both the Massachusetts Bar Association and Division of Banks and they confirmed that this company/firm is NOT licensed to do business in the state let alone be collecting on this debt in the first place. ( See screenshot attachment )
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

There is a collections account impacting my credit from Jefferson Capital Systems in the amount of {$3900.00}, on behalf of XXXX XXXX. 

This debt does not belong to me, but apparently my information is on it and it is now sitting on my credit report. I attempted to dispute the debt in XXXX of XXXX  and see for myself what information is on record linking it to me, and have asked for specific information only to for them to simply decline the dispute without even the courtesy of letting me look at the information they are using to negatively impact my credit. Since I have already tried to appeal to the company with no success, I would like to file a complaint and see if someone can help. This debt is seriously hurting my credit, and the companys lack of concern has been unfair. If my information is out there for anyone to use I need to be fully aware of that, and I cant do that. Id like to just get this resolved easily without resorting to more complicated and expensive means. Any help is appreciated. 

Thank you.
Consumer complaint received 2017-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (VA)

I was contacted on XXXX XXXX, 2017 at work by someone named XXXX XXXX who said he was with D & A Services, a debt collection agency. He said I owed a debt that actually was paid many years ago. He said he sent me information in the past but I did n't respond to it. I never received any information from this company in any form. I do not owe any debt to the company he was referring to. He was very persistent. After looking up information on this company, I 'm afraid they will use my information for some scamming or fraudulent activity.
Consumer complaint received 2024-09-30
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit Items that need to be disputed : Experian 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 2017-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I recently opened an account with Wells Fargo on XXXX/XXXX/XXXX. Everything went fine in the branch. I got a phone call Thursday from a rep at Wells Fargo stating they were closing my account for " business '' reasons and would not state why. Someone told me i could have some things reported on my name in XXXX. I have a report being sent to me from them now. I had been a victim of identity theft and have been trying to clean my life up since. This is just making it very difficult for me to open accounts and such. I want to be able to have my account opened with Wells Fargo and they will not provide me with information on what i need to do to correct the issue that is preventing me from having my account there. I would like to know so i can clear it up. I have police reports and everything.
Consumer complaint received 2024-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

I received a copy of my credit report stating I owe {$610.00} from Transworld Systems. It is showing as a collection account. 

I called the collection agency to see what service was provided, and the provider 's name, and XXXX advised that I would get this information. I originally disputed this back on XX/XX/XXXX. 

As of XX/XX/XXXX, I have not received any documentation supporting why there is a {$610.00} collection account on the XXXX credit report. 

I just need to know more information about the service, if they can not provide it, then please remove it from the XXXX credit report. 

Acct # XXXX
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On   XXXX   XXXX   XXXX    , Citibank credit card company sent me a letter stating that their records show that I was previously enrolled in a company program called  Credit Protector  for which Citibank charged me a monthly fee. The letter then states that if I was enrolled in this program without my knowledge ( I wa s ) t hen go to their web site to submit a refund claim. When you go to this web site, it does not let you submit a claim. My reference number is **************** and the  Tracking Number  is  XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

I received a bill from Citi XXXX XXXX showing a charge for new purchases in the amount of {$870.00}. As I use this card for my solar billing and my automobile insurance only, I could n't understand why it was so high. I also noticed that I was being charged interest in the sum of {$7.00} I immediately called Citi Simplicity and asked why my bill was so high and why was I being charged interest. I was told that I did n't pay my XXXX bill. I explained that the only reason I would't have paid my bill was if I did n't receive it. I told them they could and should check my history and they would see that I paid all my bills on time and in full. They did that and said they would credit back the interest as they saw that I did pay my bills on time and in full. I then paid the XXXX bill in the full amount of {$870.00} which was received on XXXX/XXXX/16. I have now received my XXXX bill and not only have I been charged interest on XXXX/XXXX/16 but my purchases total {$460.00} and it shows the New Balance as {$460.00}. I called and spoke with XXXX in Florida to see why I was being charged interest and why they added {$.00} to my bill. XXXX said that they charge 2 months interest, 1 month when they did n't receive payment and a second months for the carry over. I attempted to explain to XXXX that I should n't be charged interest as I should n't have been charged interest in the first place as I never received the bill. When I could n't get through to him, I requested to speak with a Supervisor. He told me that there were none available. He would fill out a form to have a Supervisor call me back but I have yet to hear from anyone. However he never attempted to explain why they were charging me an additional {$.00}. Maybe I 'm wrong but adding {$.00} to my bill would seem illegal or fraudulent to me.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

I filed a complaint with the CFPB on or around XXXX XXXX XXXX, regarding an ongoing issue with Citibank. Citibank claimed to have mailed two checks from my accounts : one from my checking account ending in XXXX  for {$310.00} on XXXX XXXX XXXX  and another from my savings account ending in XXXX  for {$170.00} on XXXX XXXX XXXX

I received the check for {$170.00}, but I have not received the check for {$310.00}. After contacting Citibank, I was informed again through a letter that the check was mailed to the correct address on file, but it never arrived. This issue has been unresolved for over XXXX months, and despite my attempts to resolve it, I still do not have my funds. Citibanks response did not address the lost check, nor did they provide any confirmation that the funds are being held securely while the matter is being investigated. 

Furthermore, Citibank has likely collected interest on the {$310.00} that I have not been able to access during this period, and I believe I am entitled to compensation for this lost interest.