davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. ()

I had a CIti Bank Visa Platinium credit card No. XXXX in the name of XXXX XXXX. According to this card if Rs. XXXX/- is not spent in the first year then at the end of first year Rs. XXXX/- would be charged. But before the end of first year my card was lost and so was blocked and no new card was issued. Due to this reason my spending was less than Rs. XXXX/- and i was in perception that my Credit card is closed. But after few months I received statement charging the annual charges and stating that my card is not closed. Form then onwards every months they are charging interest on the amount. After my several request they are not hearing my complaint. If I do n't have a card how can I use it and fulfill the minimum criteria. 
I want that Company should understand my issue and reverse the charges and close my credit card.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Advanced Financial Company (CA)

This is regarding maintenance fees for our timeshare. and Advanced Financial out of XXXX, CA. We were on auto payment and with no notice the company took us off and sent us to collection, XXXX XXXX XXXX in XXXX, CA. We have XXXX timeshares and they were both on auto deduct and the payments were about {$7.00} different from one another so we did not notice that they had stopped. We received 2 calls and collections was NEVER mentioned. They sent us to XXXX XXXX credit who is charging us more than 50 % in fees plus interest of the total amount due! How is this legal. So many industries are regulated and I find it hard to believe that they are n't. This is like loan shark fees I can imagine. We never signed anything agreeing to these exorbitant fees. We owe the money and would like to pay it but Advanced Financial wont take any payments and in the meantime they are setting us up to fail. We believe these are UDAAP violations and that they want our time share back and are forcing our hand. The more time that passes the more the money adds up that we owe them. We were on a monthly since that is easier than having to come up with a lump sum. Looks like they are getting their way so far.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KY)

A XXXX credit card account became past due and was settled in XX/XX/XXXX. I paid the settlement agreement in full and received a tax form for the written off portion of balance that I paid taxes on. In XX/XX/XXXX I called XXXX and offered to pay the remaining portion of the balance that was written off so they would update my account to 'Paid in full ' as opposed to settled. They agreed and took my payment and updated the verbiage on account. What they did n't tell me is they re-opened the account status for credit reporting status to show late payments of 120 days plus for almost 2 years prior to the payment of the amount in XX/XX/XXXX. I specifically asked the agent at the time of offering to pay back the portion that was already settled and written off if this would jeopardize my reporting on credit in anyway and they assured me it would not. I remember specifically asking them if it would because I would rather not pay that portion and leave the account be if it would cause further issues. Basically they updated the verbiage but then updated my account with credit bureaus to make it look like I had an outstanding balance with them that was rolling XXXX plus day late payments for almost 2 years. The account would have been removed from my credit profile at this point but they say it will stay on until XX/XX/XXXX which is 7 years from the date I called in and made the payment to them just to update the verbiage on trade line. I did this because I work as a loan XXXX and wanted my credit profile to be as clean as possible. In attempting to better my credit and right a wrong XXXX has extended the damage to my credit on an account they settled. My request is to have the account removed from credit profile as the account has not been active for over XXXX years. They have been paid in full and I maintain a credit and checking account with them now with excellent history. I placed a dispute with Equifax and they came back and said XXXX did not agree to remove. I have called XXXX probably a dozen times over the past XXXX years and tried to get them to help and the department that handles this told me they agreed with me and that the account should be removed but due to a dispute with another department on how it should be handled they cant remove it. This is been ongoing for XXXX years. They said it 's not high enough priority to get the dispute resolved internally on how it reports. This is damaging my ability to get low rates on credit and costing me money over their petty internal dispute it sounds like to me. Any help is appreciated.
Consumer complaint received 2017-02-14
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO. (IL)

I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that AES changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

California issued a tax lien in XXXX XXXX related to taxes I had paid in full. Upon an investigation at my request, CA FTB acknowledged the error and released the lien in XXXX XXXX, but unfortunately CA only issued a standard lien release, which is now on my credit report. Following a discussion with CA FTB explaining the error ( in preparation for applying for a mortgage this year ), the lien was released as a Lien Release Notice - Lien Recorded in Error, in XXXX XXXX. 

Equifax is the only CRA who has not deleted the public record despite my disputing the public record twice since the Lien Recorded in Error was recorded in XXXX County and providing documentation. I have also followed up with no less than 3 calls with Equifax. Based on the dispute outcome and the calls, I suspect Equifax did not investigate the claim at all. Not only did I provide a copy of the Lien Release Notice- Lien Recorded in Error, but on that same notice California provides a phone number specifically for Credit Bureaus. In addition, all evidence of the original lien, original lien release, and lien recorded in error are all readily available online in a search that would take no more than 2-3 minutes. Even the most perfunctory investigation would have resulted in the removal of the public record from my credit report. 

I am reaching out through the CFPB site in the hope that Equifax may actually review the materials attached and conduct a proper investigation. I am enclosing a package that includes, among other items, ( i ) a cover letter, ( ii ) the original lien - certified, ( iii ) the original lien release - certified, and ( iv ) the lien release notice - lien filed in error - certified. 

The link between the lien filed in error and the other documents is made clear through bearing the same certificate number, original case number ( Doc No. Book No XXXX ), and original case date. 

I would hope that these certified copies from XXXX County will be more than sufficient to remove all public notices related to the original lien or lien release from my credit report.
Consumer complaint received 2015-12-14
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (GA)

I currently have a loan with Santanders Credit Consumer. I took out this loan is XXXX 2015 from XXXX. I have been making all my payments on time. I have actually been paying off more on the loan than the minimum payments. Santanders had been reporting the status of my loan to all XXXX credit bureaus since I opened the account. When XXXX stopped using Santander as a finance company for their business, Santanders stopped reporting to all XXXX of the credit agencies. I have called customer service numerous times and they keep telling me that they report to all the credit bureaus on the XXXX of every month, but for the last two months they have not shown on any of my reports. They keep telling me that they are working to fix the situation but still nothing has shown on my credit report. When Santanders removed themselves from my credit my credit score dropped dramatically.I do not think this is fair especially since I am still making payments and I would like this good credit history to reflect on my credit report. Although Santanders is no longer doing business with XXXX, my account is still open and not closed so I do not understand why they are not reporting it. If I was not making payments I am quite sure they would report that! I am just asking please fix this issue because I am in the process of of trying to purchase a home and I need this to reflect.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I entered into a forbearance plan on XX/XX/XXXX and was told it wouldnt affect my credit and they told me i would get XXXX months of forbearance. XXXX  months later on XX/XX/XXXX I decided I was ready to exit my plan. I spoke to my mortgage company multiple times and everytime i was told my plan expired till XX/XX/XXXX. When i called to exit forbearance they then informed me i was already out of forbearance and my credit would be affected. I was then told my mortgage was due in XX/XX/XXXX so i made my XXXX payment. I was then told to get my missed payments deferred to the end of the loan i would have to wait 60 days and in that time it would be reported as XXXX missed payments on my credit. I told them its not my fault they take so long to process it and I will resume my payments and they said they cant do anything. Although all the paperwork they sent me on the forbearance rules said my credit wouldnt be affected if i followed their rules they are now saying something different. 

If i didnt get lucky and called to exit i would have never found out that my plan was over. they told me something completely different multiple times on the phone. also they told me my credit shouldnt be affected before and now are saying it will be because they take 60 days to process everything. Citizen one should be held accountable because they cant tell me XXXX thing and do something different. If i knew this would affect my credit i would have took other actions but then again this is against the forbearance rules so why can they do that when other banks dont take 60 days.
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Pressler & Pressler, LLP (NY)

I have now left XXXX messages on the legal resolution team at Pressler and Pressler after receiving a XXXX letter from their offices. I spoke to someone this afternoon and the amount I " owe '' has increased from the {$820.00} ( amount which was repeated several times throughout our communication as well as the number presented as part of evidence in their notice of motion paperwork. I would like to understand how the sum owed has substantially increased as of this afternoon to well over {$1000.00}.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

For the XXXX time, I did not receive a bill for my Home Depot credit card. As a result, my payment was late, since I had no idea a payment was due. Between late fees and " minimum charges '', I was charged a total of {$54.00}. When I complained about this, they refused to credit me back any of these charges, since " too much time '' had passed.
Consumer complaint received 2016-12-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CORELOGIC INC (IN)

On XX/XX/2016, I filed for Chapter 7 bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XX/XX/2016. 

On XX/XX/2016, I applied for a loan and was given a rejection with Corelogic/Teletrack listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed and they were all successfully discharged. 

Whoever Corelogic is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX of Indiana, is XXXX - identification has been uploaded.
Consumer complaint received 2022-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (FL)

AMSHER Collection Service Date Opened XX/XX/2022 Amount : {$340.00} Original Creditor : XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX This collection is false. I have never opened this account and used XXXX, Yet, this has been reported to XXXX and issue against my credit report. Also checked with the other credit score services companies, they dont have this collection listed. When I called, the operator at this company immediately requested my social security number. The account in the credit report only shows the first six digits and missing the last two.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (IL)

Macy 's is charging me a {$2.00} " Minimum Interest Charge '' fee on a XXXX balance credit card account. They charged me the {$2.00} fee on XX/XX/XXXX and when I notified them in writing, the customer service agent advised I had a XXXX balance. Now the account shows as 30 days past due and they charged another {$2.00} fee on XX/XX/XXXX while the balance was still XXXX except for the {$2.00} fee from XX/XX/XXXX. I do not owe this and do not want this to negatively affect my credit rating.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX DOB XX/XX/XXXX through XXXX, PA XXXX, I want this loan information immediately removed from my credit report.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (CT)

Navy federal has messed up both my business and personal accounts on several occasions. The most recent was an issue with my business account where transactions aren't shown in real-time. The check and each transaction that are returned do not show up on your account and you are notified three days later not leaving the bank account holder any room for errors. I was told that I needed to get a letter stating that the transaction was unauthorized and that they would refund my fees. I provided the letter and only one fee was returned as of this date. The company previously made a mistake with another disputed transaction that cost my business XXXX dollars. If this is not resolved we will file suit against Navy to settle our disputes with the company.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

They refused to take multiple credit inquires of my credit reports. I told them I would not have XXXX credit inquires and I thought it had something to do with their breach or identify theft. They are being difficult. They are also refusing to take late pays off of some of my accounts that I have talked to the creditors and they took them off.
Consumer complaint received 2024-09-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

On XX/XX/year>, there was an unauthorized bank transfer of {$5000.00} made to a personal bank account as stated on my bank statements. As soon as I noticed I called to report the unauthorized transaction to Money Network and they provided me with the name and account number that made the transaction but they were not able to cancel the transfer. They closed my card and sent me a check for my remaining balance and instructed me to file a dispute. I filed the dispute online the same day and was denied roughly XXXX weeks later.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TN)

I am writing to dispute inaccuracies on my credit report regarding my student loan accounts. Also, my student loans are no longer with Nelnet and should no longer be doubly reported on my credit report. 
Upon reviewing my credit report, I discovered that Nelnet has incorrectly reported the approved consolidation of my student loans. Additionally, closed accounts from previous student loan companies are being reported, which is inaccurate.
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

in connection with the collection of any debt under provision 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (NC)

I 've been listed as additional user on a citicard since 1992. My dad ( primary account holder ) added my brother and I when we were young ( XXXX ), for unexpected expenses while traveling, etc. I have n't seen or used the card in over 10 years, and assumed the card no longer existed. My brother still has his card, and accidentally used that card ( instead of his normal CC ) for an {$850.00} charge in XXXX. My dad was travelling all XXXX, and did n't get the bill, thus did n't realize anything was owed. He learned of the issue 60 days after the due date, and immediately made full payment. Despite XXXX year history of 100 % on time payments, citicards dinged all three of us with the credit agencies. In summary, my credit rating ( with no blemishes prior to this ) has now been dinged because of an fluke event related to a card that I did n't even know still existed ( I threw away my card over 10 years ago ). I was never contacted by citicards at any point about the issue. It is extremely unfair for them to ding my credit without giving me any notice that I had an outstanding liability. I 've never been late on any payments of any type. Despite my best efforts to solve directly with citicards, they refuse to even let me discuss the issue with anyone with capability to revise the credit issue as currently reported to the rating agencies.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I 've been trying to get my credit report with Equifax. They continually ask me for evidence of my address, etc. I have tried and tried over and over several times and It has been over XXXX since I 've been doing this. They now want me to pay for my credit report when I have not received my FREE annual credit report.