davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-31
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NY)

I have not been able to use my RUSH card for emergency situations sch as traveling to see my kids and also pay bills. I think it is flat wrong to be hung up on by service reps, and lied to at every turn. I need to get my money out of this system ASAP
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

I am unable to access my rushcard.com account via web, app, atm. I have direct deposit and not able to view any balances. They have given bogus postings on their facebook page as this is the only way to get to anyone. Customer service hangs up on you. I am now not able to move and have lost my deposit due to inability to provide the remaining rent due. I want my funds and compensation.
Consumer complaint received 2017-01-24
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXX and a company called Certegy asked for Social security number to cash a check. Why does Certegy have my social? I did n't give it to them. I did n't approve access to my personal information. Can you help me figure how this happened and what I can do about protecting my information? I do n't want this company to have access to my data, yet it seems they do. Thank you.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CO)

I opened a new card to get a balance transfer. Balance transfer check was not sent out until 3 weeks after the application and to the wrong account. They could not tell me what account it was sent to. I was charged the application fee and responsible to pay for the balance transfer that I did not receive. I call multiple times and was told to just wait until the end of the month before I discovered it was sent to the wrong account. They said I would have to wait 60-90  days before the funds would be returned and that I had to pay for the transfer in the meantime. US Bank has been the worst customer service by a credit card Ive ever had.
Consumer complaint received 2016-11-04
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Incomm Holdings Inc. (TX)

Bought XXXX XXXX XXXX cards ( XXXX transactions back to back {$1000.00} each for XXXX {$500.00} cards ) at a XXXX on XXXX. Used XXXX. Have done this many times in the past. Charge posted to XXXX. XXXX of XXXX cards failed to activate. XXXX card, although not used as of this time, appears active with access to the full {$500.00}. Called XXXX/Incomm cust service immediately, within one hour of purchase -- usually activated within ten minutes. 

After a very long hold to reach a human, got the run-around saying system error, problem will be fixed in 2 hours, we can not even access your card information. 

It has been three business days and again, only XXXX card shows a balance, the other XXXX are not recognized by their system. 

Their incident process is intolerable. 
I have notified the General Manager at the XXXX store before doing an XXXX charge back so she is aware this is not any attempt on my part at fraud.
Consumer complaint received 2015-06-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

HelloI have been turned down for XXXX business bank accounts. the banks have told me that it is because of negative info on chexsytems. So i went to the chexsystem website. ( no complaints or info can be had via the site or telephone. its said i had to request a copy of my report via Mail. so i submitted my info and personal address to this company. the site syas i will get a copy in the mail in 5 business days. so after 7 days still no report. i requested again. its been now 7 6 more days and till no report. i also called the phone number yet still no report. they have no way to reach a live person. Now I have not had a bank account since 2007 this was payed as agreed and closed. I cant open my business. I want all info removed and the delay of information fro them is inexcusable. I am hoping this organization can help me asap to clear my report that they state is only going 5 years back and i am past the point of being nice i should have had that report almost 2 weeks ago. the delay in banking has cost me over XXXX in lost earningsplease make them clear my name I have tried to upload a rejection letter from a bank but system wont allow I can forward via email if need be
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

On XXXX/XXXX/XXXX I had water damage to my home. My insurance company, XXXX covered the claim. The check for the damages was written to both PennyMac and myself. I endorsed the check and submitted it to PennyMac. I notified them that all work was completed. When they had not released the funds by XX/XX/XXXX, I called to inquire. They said they were still in need of a final inspection. The inspection was completed on XXXX XXXX, XXXX. When I still had not received the release of funds, I called PennyMac XX/XX/XXXX. The agent looked over my file, apologized for the delay and said that funds were now going to be released and that I would receive a check in approximately XXXX business days. Two days later another agent called me. I returned the call and was told that they required signatures from me and my contractor for the original bid. She told me the forms would be emailed to me within two days. Now, on XXXX XXXX, XXXX, I still have not received the forms. On the copies of the documents I have, the bids are signed. I called PennyMac Loss XXXX Department and spoke with a manager, XXXX. XXXX said she would " look into it ''. She placed me on hold for over 30 minutes and then the call was disconnected. I have explained the importance of getting this settled immediately. My family is moving. Our has is under contract with a buyer and scheduled to close on XXXX XXXX. The sale will likely be blocked by a contractor lien if PennyMac does not release the funds.
Consumer complaint received 2015-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BYL Collection Services (DE)

I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now.
Consumer complaint received 2023-10-12
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: EQUIFAX, INC. (AZ)

I noticed a Non-Authorized Hard Credit pull on my Equifax credit report that was pulled on XX/XX/2021 by XXXX. I contacted Equifax immediately via certified mail that this was an unauthorized release of my credit report and to please investigate and remove it. I also called XXXX and spoke w/their credit department. They verified they had NO Information on the credit report request. They told me they would send a letter to Equifax so the inquiry could be removed. This has been going on for years with Equifax with no resolution. I've requested proof that they have completed a full and documented investigation and this has NEVER been supplied to me.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (GA)

My money was deposited into my rush card and i have n't been able to access my money. I 've called rush card and no one ever answers the phone and when your on hold, phone hangs up. I also faxed over to them a letter explaining that my card was deactivated and that the deposit id was incorrect. No one ever got back to me.
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (CA)

XXXX of Source RM was horribly rude and refused to provide documentation about a XXXX debt. When I asked for him to send me proof of the XXXX debt, he shouted that I received one from XXXX, which I did not receive. He was very rude and unprofessional and refused to sent me proof. This make me that this is fraudulent since they are not providing proof.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

XX/XX/XXXX I received an offer from Citi Mortgage advising me that my mortgage was owned by XXXX and that I qualified for a Trial Modification Program under the HAMP starting XX/XX/XXXX. I sent the proposal to my attorney, XXXX XXXX XXXX for review. He contacted counsel for Citi Mortgage and was told that as soon as I made my first mortgage payment under the trial program, they would not foreclose on my property. I made the first payment in XX/XX/XXXX in accordance with the agreement. XX/XX/XXXX I received letter from Citi mortgage assigning me a special processor that would work with me throughout the trial period. That XX/XX/XXXX, my attorney was advised that my house was foreclosed on by Citi mortgage. I attempted to communicate with Citi verbally and through email and they would n't communicate with me. I sent I the XX/XX/XXXX and XX/XX/XXXX payments to Citi in accordance with the Modification agreement ( payments sent certified mail with return receipts to support payments made on time, my checks were cashed within 1-3 weeks of receipts ). I asked Citi to advise me when I would receive the permanent modification agreement documents in accordance with The HAMP and received no correspondence from them regarding this request. 

My foreclosure XX/XX/XXXX may have been vacated so I was advised that Citi Mortgage was once again going to foreclose on my house in XX/XX/XXXX. The last Monday XX/XX/XXXX I received a call from XXXX, representing XXXX advising me that I might qualify for another HAMP. Yesterday I spoke with a certified counselor at XXXX XXXX and she advised me to file this complaint and also start the modification program again with XXXX. 

I am in a position financially where I can afford to make the payments on my mortgage under the original trial modification program that I entered into with Citi XX/XX/XXXX. The counselor that I spoke with ( XXXX XXXX, XXXX ) yesterday said I would be receiving an application package from XXXX within 48 hours to see if I qualify for another HAMP program. It is my desire to have my mortgage modified under the HAMP program. 

I believe that Citi Mortgage violated the original terms of the HAMP program that I entered XX/XX/XXXX and I am asking for your help to make sure that Citi mortgage does not foreclose on my house and allows me to enter into another trial modification program under the HAMP program. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, Ohio XXXXXXXXXXXX
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (VA)

I purchased XXXX item on XXXX/XXXX/2016 using my BEST BUY credit card which is managed by CITIBANK. I do n't use the card that often so it 's not a bill I get on a regular basis. About a month after my transaction, I realized that I had not received a statement. I went online and found out that I had been switched to paperless billing against my knowledge. The bill was due that day so I used my bank 's online bill pay to pay the balance in full. I contacted CITIBANK and told them that they never sent me the bill and that I had paid the balance in full. Another month went by and I did not receive a statement. Since I only get statements when I have a balance I assumed everything was fine. An email was sent a few days later stating that I needed to pay my bill. I checked my account online and saw that I had been charged a late fee. I contacted CITIBANK and contested the late fee and told them again that they were in error. I thought the issue had been resolved. A week ago, I checked my account online and CITIBANK never took the late fee off and they charged me another late fee for not paying the first erroneous late fee! They have charged me XXXX late fees for XXXX transaction that they never billed me for! The bill was electronically paid in full the day that it was due. This has been going on now for three months. They have started calling me multiple times to pay these late fees. 
CITIBANK : 1. Switched my billing preference to paperless against my knowledge or consent. 
2. Never sent me a bill ( three months later and still no bill ) 3. Even though I paid the bill in full when I realized their error, they still charged a late fee. 
4. Charged an additional late fee for not paying the first late fee. 
5. Harassing me every day to pay these bogus late fees. 
I have excellent credit. I pay my bills on time and work very hard. I am sick and tired of companies taking advantage of people. I believe that CITIBANK intentionally switched me to paperless against my knowledge. I will not pay these fees! My balance should be zero on this card.
Consumer complaint received 2015-06-16
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

Convergent, XXXX. XXXX XXXX XXXX, WA XXXX, XXXX, has contacted me regarding a XXXX bill that was paid in full in XX/XX/XXXX. I participated in XXXX 's " Fresh Start Program '' in which I paid half of the balance and the remainder was forgiven. I have since moved and my account has remained current. This is an Unfair Business Practice which is a violation of the Fair Credit Reporting Act because : They are reporting an old debt as new or re-aged and ; they are furnishing and reporting inaccurate information.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NJ)

I had a Costco membership with a Costco American Express ( AMEX ) Credit Card. Costco ended it 's relationship with AMEX and began a relationship with VISA. I let my AMEX expire and thought that by doing so my Costco membership would end as well. What actually happened was that Costco tranferred my account to VISA. I never activated the VISA card sent to me but I had recurring billings on my AMEX that were transferred to the VISA account. The VISA account was set up with CitiBank. I ignored subsequent mail from Citibank assuming it was advertising. On XX/XX/2016 I received an email from Citibank indicating my account was past due. At that time I called Citi and asked for a statement to be sent to me as I had no idea what had been charged to this card. On XX/XX/2016 I paid the full balance on the card and cancelled it. In the interim, Citi made a report to XXXX and XXXX XXXX that I had an account that was 120 days past due. This has changed my Credit Scores from Excellent to Weak. I made several phone calls to Citi trying to get this resolved. I finally reached someone who gave me an address and fax number for CitiBank Credit Bureau disputes. I was told there was no phone number to reach that department. I faxed the information to Citi on XX/XX/2016 and left contact information so they could reach me. Today is XX/XX/2016 and I have heard nothing and have no idea if they are looking at my case.
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (TX)

I have an account with Citibank and they no longer have branches in Texas. However I am not qualified for mobile banking deposits. I was told they make exceptions but they are refusing to make an exception. The only option I have is to mail a check in with a two week turn around or to overnight the check which costs quite a bit. I find this unacceptable. I have talked to many supervisors. This does not seem fair.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

We paid a closed Home Depot credit card instead of our active Home Depot card. Citibank took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in 2011. And now Citibank has a debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or Citibank and we need CFPB to contact them so their debt collectors XXXX XXXX XXXX XXXX stop the application for wage execution.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I recently signed up for a CitiGold account under the promotion that if I spent {$1000.00} using the included debit card, and completed XXXX bill payments, I would be rewarded with XXXX AAdvantage miles. I was told in a chat XX/XX/XXXX that I had completed the requirements, and would see my miles by XX/XX/XXXX. It is now XX/XX/XXXX and while they said they opened an investigation, they have been unresponsive regarding the reward.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (UNITED STATES MINOR OUTLYING ISLANDS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ JPMCB Auto ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ JPMCB Auto ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ JPMCB Auto ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX