davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have included the dates and response and receipts from the seller and letters from Capital One. Capital one denied my dispute for the reason of lacks all of the requested information. I sent Capital one the same documents i'm sending in this complaint. 
My documents show the original advertisement and the NEW ad the seller changed too. 
Also in the documents I'm sending today, yu will find the emails between me and the seller of the mink coat. 

feel free t contact me at XXXX or XXXX Thanks in XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-11
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

I was on deferment with thin long and in the process of being on deferred loan I XXXX was applying for XXXX through net tell and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Consumer complaint received 2019-04-29
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. (MO)

There's a whole other name " XXXX XXXX, XXXX " and unauthorized accounts attached to my credit data / file, and I'm demanding that this other name inwhom is not mines and these accounts are removed immediately. As a consumer I'm entitled to consumer rights and protection against the 3 major credit bureaus as stated within the FCRA. I'm also demanding that all the addresses on my credit report be removed, all except the one that's on my id see the attached. Again please block the unauthorized name and these accounts on my report. 

1 ) XXXX XXXX XXXX ... ..name 2 ) XXXX XXXX XXXX {$3200.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  {$4200.00}
Consumer complaint received 2017-09-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (WA)

Navient is reporting one private student loan to the three credit bureaus as a " charge off '' with a balance and an amount past due when it can not report this way. Furthermore, they have attempted to have three different collection agencies collect from me even after repeated written requests to Navient and each agency ( XXXX, XXXX, and XXXX ) for debt validation. None of the companies have provided debt validation or accurate reporting of supposed debt and yet Navient continues to attempt collection and report the debt. I am requesting a full deletion of this account from all three credit bureaus for the aforementioned reasons. I am requesting that they cease any and all communications or attempts at collecting a debt that has not been properly validated or reported.
Furthermore, there are two other private student loans that they report as joint with XXXX XXXX. They are reporting these inaccurately and have also failed to provide debt validation or accurate reporting of supposed debt. I am requesting that they cease any and all communications or attempts at collecting these debts that have not been properly validated or reported. I am requesting a full deletion of both of these accounts from all three credit bureaus for the aforementioned reasons.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax was subject to a security breach from XXXX through XXXX this year, in which hackers were able to access people 's SSNs, birthdates, addresses, and other personal information, including mine. Equifax did not notify the public until XXXX. Upon publicly announcing the breach, they set up a website that they claimed would tell consumers if their information had been accessed or not ; when I tried to use the site, I was given no clear yes or no answer, but instead given a date for which I would be eligible to enroll in Equifax 's TrustedID program ( which I did not want to enroll in, nor did I agree to enroll in ). It was later pointed out that the website 's FAQ appeared to state that by using the site, consumers waived their right to sue. Equifax did not clarify that this was not what they meant until after it was pointed out that this was not legal.
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: PNC Bank N.A. (NJ)

This is regarding an {$89.00} fee. The credit card I mention was closed in XXXX of XXXX. Yet, an automated transaction went through on the account XX/XX/XXXX. This means the bank and the bank card approved a transaction on a closed credit card account. There is still no available credit balance on the account. The account is still closed. The bank refuses to remove the charge. This is their mistake. When I called them about it they refused to do anything about the transaction because the company sent the merchandise. How can a credit card company let a transaction go through on a closed account, when the consumer is not expecting a charge to go through at all? 

In all of the years I've used credit cards, I've never seen a credit card company allow a charge on a closed account. 

This company is PNC Bank, and their PNC Cashbuilder card.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Equifax, according to their own research, allowed the unauthorized access to my personal credit data to occur from mid-XXXX through XXXX XXXX. 

The information disclosed included all or some of the following : my name, Social Security number, birth date, addresses, drivers license number, credit card numbers, and dispute documents including personally identifiable information. 

Criminals now have access to all information required to establish credit under my identity. As the information disclosed is in digital form, it is trivial to share and re-share my personal information. 

Equifax 's failure to meet their fiduciary duty to protect my information exposes me to a lifetime of elevated identity theft risk.
Consumer complaint received 2017-09-15
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. (ID)

I have been a victim of Identity fraud. I have filed disputes with Experian report number XXXX Report date : XXXX XXXX, 2017 XXXX XXXX is still trying to hold me accountable for charges that I never made. My report shows addresses in Florida, which I have never lived, nor visited, 2 social security numbers ( RED FLAG HELLO! ) They are trying to hold me accountable for them shoving credit to a fraudulent person pretending to be me. They say on the report that all information IS true!! No way!!! They put me on hold, and transfer me around until I am mysteriously disconnected. I am done with these fraudsters wasting my time, effort, and ruining my good credit.
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

Per the terms of the XXXX XXXX " XXXX XXXX '' feature with Citi, I filed a price match claim for three motion sensors, included all of the necessary documentation, and they refused to honor the claim while providing an incorrect legal basis. They claimed that the lower price I sent was from a " membership club, '' and failed to provide evidence that this was the case.
Consumer complaint received 2017-09-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX - Disputes were sent on to Trans Union and XXXX regarding numerous accounts that should not be on the credit file. After 30 days, even longer, no investigation results were sent out, no new credit report, and nothing was removed from the credit file. I have again re-submitted disputes to Trans Union and XXXX once again to get this problem solved immediately. As a consumer it is my right to request the credit bureaus to verify information on my credit file that I am disputing. Since XX/XX/XXXX, nothing has been done.
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I paid in full BOTH of my XXXX XXXX XXXX cards, at the SAME TIME years ago. This was to close both accounts after they allowed someine else to fraudulently change my address, refused to give me access back into my account, and then tacked on late fees when I could not recieve or access my bills. I had moved to the XXXX and someone contacted them and sent my account to a random POBox! I even spoke to them on the phone after the PIF to close because they kept trying to send me small bills with " fees '' after the PIF that were " processing fees ''. These " fees '' piggy backed off of eachother and I had enough. Here I am years later and 1 card is still showing a charged off balance, not a paid in full. Now, they have placed this as an existing line of credit being utilized and is impacting my credit score! They even hit me with a " late payment '' last month. Late payment for what?! I do n't have an account! I make every payment on time, this is crazy! They also only reported it to 1 of the 3 credit reporting companies when they did this new fraudulent move.
Consumer complaint received 2019-04-29
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. (VA)

I sent in certified letters to the credit bureaus telling them that these accounts did not belong to me. I ask them to send me any documents they had to verify that these accounts were mine. with all these data breaches that these credit bureaus have is ridiculous. at least take the time to do investigation, instead of telling me that these accounts have been verified, if they have been verified, why can't you send me the documents to verify them.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XXXX I received a Home Depot bill reflecting charges of XXXX which I did not make or authorize anyone else to make. I contacted Home Depot on XXXX, spoke to XXXX, employee ID XXXX and told him the charges were fradulent. He said I would receive an affidavit within 7 to 10 business days. I never received the affidavit. 
I filed an online incident report with Fresno County Sherrif office. 
On XXXX I received another Home Depot bill reflecting additional new charges that totalled XXXX. I contacted Home Depot again and spoke to XXXX, employee ID XXXX. I told him I did not make or authorize anyone else to make these additional charges and had not received an affidavit. He said he would send a new affidavit in 7 to 10 business days. I never received the second affidavit. 
On XXXX I received a letter from Home Depot stating that I was responsible for all the charges. I contacted XXXX, a company that assists people who have sustained identity theft. This company was hired by my previous employer because they had a data security breach. 
Together XXXX and I contacted Home Depot ( CITI Bank XXXX spoke to XXXX, employee ID XXXX and explained the situation to her. She said she would transition the fradulent charges to a fraud account, send an affidavit and I should receive it within 7 to 10 business days. I never received the third affidavit. 
On XXXX I contacted XXXX who advised me to file a complaint with CFPB. I do not have access to a scanner to scan all documents. I would like the opportunity to include more documentation.
Consumer complaint received 2017-09-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (CT)

On XXXX/XXXX/XXXX I saw on social media that " students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the " Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular " company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally " take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the " program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. 
If you are hurting/struggling to repay your loans, please use extreme caution when being offered " to good to be true '' offers.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I have a secured card through capital one that I have been using for about 2 years now. I set up my account on auto pay and have made all payments in a timely manner to this account. In XXXX XXXX I made a large payment of over 400 dollars to pay my account in full. Payment cleared and I thought everything was taken care of. Fast forward to now. I get an alert on my phone that info changed on my credit report and that this account was late. I went to the app immediately and see a charge 48 and change. I look through the account summary and see that the month prior to paying my account in full my payment was returned and I was charged a late fee of XXXX and an interest charge of XXXX AFTER my account had I thought been paid in full. As of the XXXX of this month because I did n't pay the late fee I was charged an additional late fee on top of the late fee as well as additional interest on top of interest. How predatory can you get!! I called in on XXXX XXXX and waited on hold for over an hour to be told by a representative that they will only waive one fee. I asked for a manager who I sit on hold for even lomger for him to say that he wo n't waive anything further and there is no one over him to talk to except to write into the corporate address. This is absolutely unfair practices. I understand my payment had been returned which I was unaware of but to charge late fees on top of latest fees and interest on top of other fees is ridiculous. So had my payment been in full minus that late fee, they still would have charged me interest and this is 100 % unfair way of doing business.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

citi cards address ; XXXX XXXX XXXX, sd XXXX www.citicards.com citi cards has commited a fraudulents act against me. 
my name is XXXX XXXX ; citicards from customer service to sercurity department ; all of them ; they need to go to jail. 
they tried to make me impatient so they can pull me all my personal information, identity, and they commit fraudulent act on me. they have the recording of all the proof.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CO)

I have been lied to, strung along, and games by CitiMortgage 3 months ago for XXXX in 2012 XXXX after paying 12 yrs at 5 % ... no help,,, CALL LINE SAYS " IF YOU ARE GOING TO BE LATE '' NEED HELP '' WANT MOD. FOR HARDSHIP AND ASSUMPTION FROM DEAD EXWIFE WHO HAD FIRST IN HER NAME I QUALIFY WITH HIGH CREDIT, HOME VALUE, NEVER LATE BUT NOW XXXX AND THEY LIE, LIE AND POSPONE AND STEAL ... where XXXX is the government??? XXXX ..iM STARTING A CRIME SPREE IF YOU SAY THIS IS LEAGAL ... XXXX YOU DO NOTHING AND THEY DO WHAT THEY WANT TO HURT PEOPLE, I 'LL be famous to Help all people you did nothing for and got a paycheck and Citibank for stealing, lying, and 4 months dragging and excuse and excuse that prevents my XXXX after 12 yrs 5 % I deserve some help that not even going rate and live alone XXXX with XXXX and let them rob me 12 yrs and counting ... FBI and world will hear my story and CFPB is a joke to allow banks to kill people XXXX last reach out for help and gloves are off.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OH)

Citi closed my inactive credit card account without any notice. Closing a credit card account - especially XXXX with a lengthy history - without giving prior notice of any form ( email, notice on website, anything would 've been helpful ) can significantly damage one 's XXXX score. In my case, it was my longest standing credit card of nearly 10 years, so ultimately I am being negatively punished on my mortgage rate for the next 30 years because I did the prudent thing and did n't use my credit card!
Consumer complaint received 2017-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (SC)

Applied for CC on XXXX ( XXXX XXXX ) Website about XX/XX/XXXX which offered XXXX Starpoints after spending {$3000.00} within 3 months. Approved for offer, but never rec 'd CC. Called Customer service said would send CC right out, but after 2 weeks never rec 'd card for another week so called back & CS rep said will send XXXX, next day rec 'd card along with another card by post office. I used first card, but soon found would n't accept charges. So I used other card which did. When I rec 'd second bill, I called to see if I met requirements & when was I getting XXXX Starpoints. Rep said my card was n't eligible for points. At this point, I spent over {$4000.00}. 
In my opinion, they mislead the program especially after approving my application. They never called me about not giving points or the CC I was using being ineligible. I was approved & after meeting the requirements for spending money I should be given my XXXX points. Switching my card w/o telling me should be some sort of violation i.e. fraud. 
The Financial organization handling the transaction was AMEX
Consumer complaint received 2020-12-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC (TN)

This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.