davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

Ford Motor Credit is not properly crediting my customer account. In documentation, Ford requested proof of payment by customer prior to XX/XX/2016 - which was provided. 
Proof of a payment for XX/XX/2016 was also provided which should have been credited fro XX/XX/2016 instead of XX/XX/2016. 
The account should not reflect a 46-day delinquency for XX/XX/2016 and should be corrected.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (NC)

I have been a victim of Identity Theft/Fraud. Somebody went online to Experian and managed to lift a FREEZE I had placed XX/XX/XXXX from a previous Identity Theft/Fraud situation. This person LIFTED MY FREEZE WITHOUT USING MY PIN NUMBER by creating an online basic membership. This person used a prior married name that was on my credit bureau and used my current address. Once in, this person used my social security number and put this e-mail address : XXXX, and this phone number : ( XXXX ) XXXX, and created a PIN and security questions, so I was unable to get into my Experian credit bureau account. Experian DID NOT notify me that this was done. The only reason I was aware of the ID Theft/Fraud was because I was notified on XX/XX/XXXX, by Credit Monitoring Service about a New Inquiry regarding my Social Security Number. It was initiated from the bank under my name. 
Once the FREEZE WAS LIFTED, this person went online and took over my bank savings account. on XX/XX/XXXX. This person applied for a {$29000.00} fraudulent loan in my name using my membership number. On XX/XX/XXXX, electronically signed a promissory note and an insurance disclosure at XXXX p.m. A delivery consent form was signed electronically at XXXX p.m. and sent to e-mail : XXXX. The loan was approved and disbursed on XX/XX/XXXX, into savings account. On XX/XX/XXXX, this individual requested an Official Check Request for {$28000.00} and paid {$8.00} for an Expedited Mail Fee. The Bank DID NOT notify me a loan was applied for and processed. To get this loan, When I talked to the bank on XX/XX/XXXX, they mentioned that this fraudster went online using my member number and created a profile using my Social Security Number. When I talked to the bank to find more information regarding this Identity Theft/Fraud incident, and they asked me to verify my identity. The bank asked my name, social security number, date of birth and address. I inquired about what information the fraudster has. This person has ALL this information. 
I have been a victim of Identity Theft and fraud in the past, back in XX/XX/XXXX, somebody committed fraud in my name by using my banks member number and Savings Account to deposit large amounts of money ( {$55000.00} ) in {$5000.00} increments and transferred to another account. This was reported immediately to the bank and the 3 credit reporting bureaus, however, since there was no loan request, or any credit cards open in my name, there was nothing reported to the credit bureaus and no report to the Federal Trade Commission was made. On XX/XX/XXXX, someone tried to get a U.S. Small Business Administration COVID-19 Economic Injury Disaster Loan for {$94000.00}. This was ID Theft/Fraud was reported to the U.S. Small Business Administration , Federal Trade Commission XXXX and the local Sheriffs Office XXXX
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (FL)

I sent a letter to Advance Resolutions Services , Inc on XX/XX/2021 located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX and they received my letter via certified mail on XX/XX/2021. I requested that they mail me a copy of my consumer disclosure report and they have failed to do so. I want my consumer report mailed to me immediately as it is my right as a consumer.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Account # XXXX capital one XX/XX/year> To whom it XXXX concern I saw your company furnishing a negative account on my consumer report. I am requesting the assignment contract for validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ).

Provide me with the following information.

The amount of debt.

The original assignment contract Proof that your company sent me a statement assuming the debt to be valid with proof of tracking.

I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.
Consumer complaint received 2015-08-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (IL)

I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 
Because of this my credit score has been drastically gone down. Please help me asap.
Consumer complaint received 2016-09-22
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: Google Compare Credit Cards Inc. (NC)

It has been an ongoing problem with Google, Inc regarding the Google Playstore credit available on my account. I have contacted Consumer Finance Bureau and filed a complaint on XXXX XXXX XXXX with the complaint number Case number : XXXX. 

To give a brief overview of what is going on, I have purchased Google XXXX gift cards worth {$2000.00} from XXXX Store in XXXX XXXX with an intention of buying Google Devises from the XXXX website. I was later confirmed that XXXX credit can not be used to buy devises and I was told by the customer service that they would add the credit to my google account " XXXXXXXXXXXX '' and then they would refund it back. 
After numerous phone calls and over XXXX different emails, I have filed a complaint with the Consumer Finance Bureau. 

I have heard a response back from Google and below is the response : " Google Inc said : Explanation of closure hank you for reaching out to my team about your Google XXXX gift cards. I understand that you meant to use them to purchase Google XXXX hardware, and are disappointed that, as described in our Terms of Service, Google XXXX balance ca n't be used to purchase hardware and ca n't be refunded. 

Due to your particular circumstances, as a one-time-only courtesy, I 'm able to refund the full amount remaining unused This refund payment wo n't cover any fees incurred by accepting it. 

If you are based in the US please complete this form : XXXX If you are outside of the US, please complete this form : https : //support.google.com/googleplay/contact/wire_form Thanks for your patience. 
" Since I have received the reply, I have submitted the requested form as stated and since then Google has been taking me for a ride. 
I was suppose to receive {$2000.00} and they reply back saying they have sent it. I have never received my {$2000.00} in to the given bank account details. 
Every time I contact them over the email, I always get a reply that they are working on the refund and their higher up team is going to respond to me. 
Even after numerous emails, I have never received the funds. All I get is a silly response that they have sent the refund but when I ask for the details, they do n't have XXXX on when they sent the refund or where they sent the refund. 

I am just getting tired of this round abouts and I am not at all getting any kind of response. 

I would really like CFPB to step in and help me know what is happening with my refund. 

Thanks, XXXX
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (PA)

i have told the credit bureaus many times this account is n't mines a provide proof that i took this money the account was originally reported in XXXX but now they updated it and it says XXXX this account should not be XXXX my report and removed now.they even did a civil judgement which i was n't aware of.
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (OH)

I was denied credit with XXXX bank on XXXX XXXXXX/XX/2015 for a loan. I received a letter notifying me that due to the Equifax report this is why I did not get the loan. I tried to submit on line, XXXX to get my free report, but this came up, " Please Note Online Delivery UnavailableAt this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. 
Print this Page '' I called the XXXX number and followed all the prompts and at the end was told that I needed to enter a credit card and pay XXXX for a report or XXXX for a report. 
This is pretty good, they can arrange anything they want to put out there for creditors to see whether it is right or wrong. If you try to get your report, which is supposed to be free if you are denied credit, they charge you. So you could be a victim of identity theft and Equifax does everything to help keep the info from the victim. I tried to reach a real person which you can not. All they want is a credit card.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was having trouble making my payments, So I was offered a payment plan in the app. I have fulfilled my first payment of the payment plan, but still charged the late fee and told us its because I did not make the minimum payment on the account. If youre going to have someone on a payment plan, you should not still be expecting them to make the minimum payment on the account. Still charging late fees while theyre making payments on a payment plan seems very predatory. I would like to review the terms and conditions because that was not the original payment plan that I agreed to.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (IN)

I am starting to be harassed by phone for credit card collection. I want Discover to cease and desist contacting me by phone for collection on my Discover credit card account. I have other credit card companies that have used harassment by phone for this reason and reported them and the credit card companies quit calling me. Please contact them and let them know that this type of harassment is illegal. 
Contact information : Discover Card information : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX IN XXXX SS # ***********
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MN)

This is showing on my credit report as a collection and they are listed as the original creditor. I do not know them and I do not know of another company that wasnt paid. I just applied for a loan and was denied because of this on my credit report. If not removed I will sue for opportunity loss
Consumer complaint received 2022-10-26
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. (CA)

I got identity theft after I lost my wallet back in XXXX. Fraudster applied online with XXXX XXXX and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from XXXX XXXX. I called XXXX XXXX numerous time to report identity theft, yet XXXX XXXX still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I purchased a XXXX XXXX Induction Range in XXXX. Upon delivery, I discovered that the range top, the glass surface, is not flat, it is bowed in the center from front to back. Sears several weeks later brought a replacement range, but that replacement had the same issue & I refused it. I wrote XXXX letters to Sears : the first to the CEO, and received a reply simply saying " ... thanks for telling us of your problems ... '' but not addressing the issue ; the second, to Sears CITI Credit Card ( on which I charged the range, saying that I did n't think I should have to pay interest charges until the issue was resolved ). I received no response. I then called CITI Bank to discuss the issues - since they issued the Sears CITI Bank MasterCard. They said they could n't help, that I 'd have to talk to Sears. I told them Sears was worthless. The store manager said he 'd give me a financial discount ( I told him I did n't want that, I wanted a range that was properly built and did n't have warped top ). He promised to return phone calls after checking on things several times ; he never called. After XXXX letters and maybe XXXX phone calls, somebody FINALLY told me of a Sears problem resolution center which I contacted. on XXXX/XXXX/15, a technician looked at the range, my level on the top of the range and my pictures of pans, w/ several ounces of water running to the exterior sides of the pans, and he agreed that the range top was defective ; he said he 'd order a replacement top. On XXXX, somebody from Sears called me to tell me they had to change the replacement date schedule for the top. I NEVER was told there was a scheduled date for replacement ; during and after the technician 's visit, I was never given a date for service. I called CITI Card tonight, and they repeatedly told me that they could n't help me, that I had to call Sears. SEARS has been worthless in helping w/ this issue. CITI CARD Services issued this card, via Sears, but they are UNWILLING to stand behind it! I will NEVER do business with EITER, EVER AGAIN! I want them put out of business! I simply want a XXXX XXXX Induction Range with a flat surface ; this is what I expected, paid for and expected. If they can provide it, they must do so - immediately ; if they ca n't, then they must remove the defective product they sold me, cancel ALL charges related to it, provide me just compensation and move my previous electrical range back up from my basement to my kitchen, reconnect it and do so w/o damaging it. This - IS NOT COMPLICATED!
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Quality Loan Service Corporation (WA)

Quality Loan Service, trustee for XXXX, has been holding up closing on a transaction, first by withholding a payoff, and now by not responding to our request for notice of error for the most recent payoff obtained. We obtained a payoff statement valid through XXXX and in anticipation to close XXXX ordered a new payoff in writing to them on XXXX. This payoff was not received until XXXX after numerous requested from both our law firm and the closing agent Attorney 's Title. The payoff quote was received and only valid for 2 days. The quote happened to incur a {$3000.00} new fee that we were requesting be looked into and since the request per XXXX XXXX XXXX ( b ) they have not yet responded. With the addition of this fee we are unable to close. We were anticipating closing based on the per diem and they have taken so long that fees just continue to accrue. Numerous phone calls to this trustee result in a voicemail and multiple emails are not responded to. The second lien is being shorted and the longer it takes for this trustee to respond, the more fees they are able to collect ultimately costing the consumer money. We need this looked into immediately.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (HI)

I had a payment that was due on a nonbank weekend day of Sunday, XX/XX/2022 XXXX and my payment did not post until Monday, XX/XX/2022 XXXX. They charged me a late fee and refused to reverse the excessive and harsh late fee after multiple secure emails. My payment history with this company has generally been excellent and it has been well over a year since any kind of assistance was needed with this account under much different circumstances. 
There is no logical reason why I should be penalized for clearly trying to pay my bill and then appear late due to an off bank day issue with how they do their payment due dates. There is absolutely no demonstrable loss from the bank of anywhere near {$30.00} for a completely systemic timing and electronic issue AND I was clearly trying to get and have my bill paid on time!!
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 
After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 
Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (IN)

I finalized a " deed in lieu of '' several years back and with that came a release of my second or line of credit unfortunately XXXX did nothing and left the original second loan on my report. Attached is a letter verifying that is was approved. I really need to get this corrected can you help. 

Thanks