davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (AL)

My dispute has not been resolved. No one is looking into the way the payments were applied or allocated. Instead they are only validating that I recent a default letter. 

As of XX/XX/2022, my account was completely current. The payment history shows that my account was not even 30 days late. Theres also late fees that were removed as a courtesy that has been applied to the account as well an mysterious insurance rebate termination. I will resume consulting with an attorney at this point. 

As representative from the redemptions department by the name of XXXX reviewed my account with me. We were on the phone over 2 hours. She saw something on the account that raised a concern. XXXX as well as a team lead reviewed the account together and both were in agreement that something has went wrong! I was told that the account department would be notified as well.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (MA)

In XXXX, XXXX, I registered for a Citibank credit card to pay for the item I purchased at Home Depot. They asked for some basic information and my driver 's license then told me it was all set. 

I went to Home Depot 1 week after my purchase as I didnt receive any letters or the credit card. They told me to stay tuned or ask the bank directly. When I called CitiBank, they were not able to locate my account number/balance according to my SSN. 

We moved out from the old address since XX/XX/XXXX. When I was registering for the credit card, they didnt double check my current address but assumed to use my billing address. I am aware of my responsibility to update my information, but the bank was not able to find my account due to the wrong SSN they had. Home Depot also had my email address, but I didnt get any notifications from Home Depot or CitiBank After collecting all the letters from my old address, I called Citibank again regarding how to pay the balance. They froze my account and put it under debt collection. They corrected all of information after my call and kept adding interests to my account. I asked them whether they could waive the interests since it was not my problem. The staff told me to fax a letter explaining the situation to the dispute department ( the only way to communicate with the department ). It took more than a week to hear back from the department. Meanwhile, the interests were still adding up. They mailed me a letter back ( as attached ) asking me to call the number below.

I called the bank once again the following day. The staff answering my call told me that he was not able to see the detailed information, nor my fax history. After explaining my situation ( the letter I got from the dispute department ), he said he's not able to do anything. I need to fax the dispute department again, asking them what else they need from me. Ask them if they have more questions. Faxing back and forth seems a very inefficient way to deal with the problem, and none of the staff had a definite answer. 

To resolve the problem, Id appreciate help to waive the unreasonable interests. Im happy to pay for the initial amount. Home Depot/Citi Bank should improve their service as : Home Depot had all of my information wrong ( address, SSN, etc. ). I was not deliberately avoiding to pay the balance, but was not able to ( they had my information wrong at first, by the time I picked up the letters, my account was frozen ) Citibank was resolving the problem in an extremely inefficient way and made it hard to communicate ( the case was not assigned to any staff. Staff answering the call was unprofessional. Departments were kicking the ball. Dispute Department sent a letter back asking me to call the debt collection department. When I called, the staff told me to ONLY fax the dispute department again )
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 1st Franklin Financial Corporation (AL)

1st Franklin local office on XXXX XXXX in XXXX, AL has harassed me by calling repeatedly. I recieved 5 phone calls between XXXX XXXX to XXXX XXXX while I was at work. They left 4 voicemails with the calls. 3 of the 5 calls are 30 mins apart.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lending Club Corp (TX)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/XXXX : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/XXXX, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. XXXX XXXX XXXX XXXX XXXX committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if XXXX XXXX XXXX XXXX XXXX had not confused and extorted money from me.
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (CA)

On XX/XX/XXXX, I mobile deposited a cashier 's check in the amount of {$2400.00} to my SunTrust Checking Account. I later recieved a Notice of Hold letter with the available date of XX/XX/XXXX. On XX/XX/XXXX, the funds weren't available, I called customer service and was told my account was closed and further review of the check was necessary with no timeframe given. I called again in XXXX and XXXX of XXXX and was told no information was available other than the check is still being reviewed and to try calling back in 30 - 60 days. I called in XX/XX/XXXX and was told I needed to contact the issuing bank and request they send SunTrust a Hold Harmless Letter, verifying the check was indeed issued to me, in order for the funds to be released. I contacted the issuing bank on XX/XX/XXXX who informed me that the funds were in fact collected from SunTrust for that cashier 's check on XX/XX/XXXX. I was also told that, the process for requesting a Hold Harmless is to be initiated by the requesting institution. So, in this case, Suntrust would need to directly contact the issuing bank to request further verification, which there is no record of any attempts being made by SunTrust to do so. I've tried to relay this information to SunTrust but the representatives aren't knowledgeable enough to help and I'm told there's no way for me to speak with an actual banker to resolve this issue. Again, this was a cashier 's check, which are guaranteed funds, that could easily be verified with a simple phone call to the issuing bank. Its been almost a year since I made this deposit and the funds have long since cleared. SunTrust has violated my rights as a consumer with this 'indefinite ' hold, even after the check has been paid with no evidence or probability of reversal.
Consumer complaint received 2020-01-20
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: Experian Information Solutions Inc. (GA)

I have made several attempts to dispute with Experian, XXXX, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My new address hasn't shown up on report. I've sent proper documentation to XXXX and Equifax to have my address updated months ago and nothing has changed. it is stopping me from getting a car loan.
Consumer complaint received 2020-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$1300.00}
Consumer complaint received 2020-01-20
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. (GA)

I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (TX)

I spoke with Experian on XX/XX/2020, XXXX a representative. She stated that they received my police report, and that a department that does an investigation deemed the report invalid. Please advise how the a credit bureau organization will deem a report invalid. As a victim of fraud how are we suppose to protect ourselves if the credit bureaus will not follow the guidelines.
Consumer complaint received 2019-09-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (PA)

Opening another coplaint based on previous Complaint Via complaint number XXXX the companys responce is incorrect and insufficent simply stating they comply woth ecoa Equal credit Oppritunity act is inssuficent and stating the minimal need to Qualify for the loan is XXXX Is Not Equal Credit oppritunity act Appropriate Policy to have in place including Being denied because on XXXX but the pourpose is to ensure creditors make and approve Things based on equality and it is not equal for people To have XXXX In Yearly income and Cpuld be deemed income discrimimination And Ontop of the equal Credit oppritunity act There are also state laws regarding such things And ive also Contacted the pa attorney generals Office Witch is being asigned to a investigator Pending investigator Findings Discover Could Face state or federal Civil charges in court. And or Be XXXX ordered to reverse descion and may have to pay Damages and costs and court ordered Monetary Fines and Cost to victim or plantiff and discover may want to reconsider there policy in this situation and if they wish to reach put to Me To Settle this i emploer Them to before the attorney generals office investigates and concludes there finding In the Consumer protection Office powered by Federal And Pennsylvania State powers.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (GA)

I set up a Venmo account for my sick father. I used my email and my phone number. My father passed away years ago and someone sent me money on that number by mistake. They wont give me money even though I own both phone number and email and I have given them everything they asked for including phone bills, several months ago to close close acct and get my money. they say they cant read death certificate which I have sent twice from ups and it shows fine. They wont respond and I want my money. They wont let me mail it to them so I dont know what to do
Consumer complaint received 2019-10-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (VA)

Sallie Mae calls me several times a day to collect a past due amount. 
I have asked if they can work with me by enrolling me into an Income-Driven Repayment schedule, similar to XXXX and XXXX  They informed me Sallie Mae is a private company and does not offer this option. 
Ok, I understand this. 
However, they collected {$150.00} a month from me for several months as a " good faith payment ''. 
They led me to believe this payment was going towards my loan amounts. 
It was not. 
It was simply a fee to keep Sallie Mae from reporting my loan to the credit rating bureaus. 
Once I found out this fact, I stopped making the payments. 
My total due each month is close to {$700.00}. 
I asked again if they can lower payments. They informed me they could lower the payments to {$350.00}. I told them this was not feasible for me. 
They threatened to report me to the credit bureau and destroy my credit. 
In the meantime, they have raised the interest rate on my loan to 10 %. 
They have called my parents several times. 
Today, on XX/XX/XXXX they called my parents home again. 
I called Sallie Mae and asked them to stop calling my parents, they are NOT cosigners on the loan and therefore they should not be involved in their attempts to collect a debt from me. 
Sallie Mae informed me they use a " phone book '' service to reach out to people with similar names if I am not answering the phone. 
I speak with Sallie Mae at least three times a week and each time I tell them I can not make payments at this time due to financial hardship. They have no right to call my parents. 
They have called my business partner as well which was very embarrassing and could have cost me my livelihood. 
I am currently working with a debt relief company to settle this account and have asked Sallie Mae to stop calling my parents. 
They refuse and I think this is total harassment and bullying. 
I understand I owe this debt. I received a loan for my education and it needs to be paid. However, I do not need to be bullied. I do not need to be harassed several times a day with a phone call from Sallie Mae, and I do not need my parents and business partner receiving these phone calls as well. ESPECIALLY when I speak with a customer service rep from Sallie Mae several times a week. 
Thank you.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had two cards with XXXX XXXX Bank. Both of them had limits in the area of 800 dollars. I used them very infrequently if at all as the interest rate was high for charge usage. In early 2019 I noticed a charge on both cards for annual membership which I did not agree to. I immediately contacted the company to cancel both cards. I was eventually transferred to customer relations or customer retention. The rep said if I kept the cards open I would not be charged annual membership fee. I have not used the cards but one bill showed up with the dreaded membership fee AND a late charge. I then received a phone call as to how I could get in the good graces of this rip off company. I again cancelled both cards and they reported me as a 30 day late.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Tried to use Experian 's Security Freeze website to freeze my credit. Provided the same information used to successfully freeze my credit at XXXX. Was notified they were unable to honor my request without providing any feedback or recourse except to send highly confidential information via mail and wait some unspecified period of time, which leaves me open to identify theft.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I leased a vehicle with XXXX XXXX in the amount of XXXX. The vehicle was deemed a lemon and almost cause me and my family to be in a deadly accident due to the vehicle shutting down without any type of warning. I volunteerly surrendered the vehicle and reported it to the XXXX XXXX XXXX   where I had an unfair hearing due to XXXX sending a retired employee that was no longer employed by XXXX. I uploaded the proof with experian on XX/XX/2020 from XXXX mechanics to prove that there was in fact an issue with the leased vehicle and I received a reply today stating the account information was updated. How can there be an investigation with a couple of days and not 30 days to fully investigate the information? The debt is past the 7 year statue of limitations and it needs to be removed from all three credit reports.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a 0 balance
Consumer complaint received 2020-01-21
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: Innovis (OH)

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.
Consumer complaint received 2024-10-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Macys will not send me my credit refund. I returned a few pairs of shoes, I already paid the full balance on my account. I had no intention on returning the shoes but they are the wrong size. 

On XXXX - I called and requested my credit refund of {$100.00}. I called again on XX/XX/year>, I was told my check was in the mail. 

On XX/XX/year>, I hade another credit balance on my account of {$160.00}. I was told at first that I would have to wait six months before receiving my credit refund balance. After calling continuously the representative said that the {$160.00} would be mailed to me as well. 

At this point the balance on my account is still a credit of {$160.00}. I have no idea what happened to my first credit check of {$100.00}. I keep getting the run around with the customer service credit department at Macys. I am very disappointed in the customer service I have received and they call me anthey call me a platinum member. At this point any assistance you could provide would be greatly appreciated. Thank you very much. 

XXXX XXXX
Consumer complaint received 2020-01-21
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: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX  XXXX  - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IN)

I get called every single day from this debt collector. XXXX XXXX XXXX calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.