davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

On  XXXX   XXXX ,  2017  - I tried to open the  Citi ch ecking account with a promotion offer. Completed everything and account was opened. I provided my  XXXX  bank credentials also to deposit $  XXXX  but it did n't worked. Then i provided  XXXX  routing # and account # of my   XXXX   bank account. I was told that w ithin 2-3  business days trial debit/credit will happen. It never happened. Later I go t one e mail to send the signature card. I tried sending it by fax - fax failed on both the fax numbers.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

My student loans were acquired threw XXXX which we no is now Navient. When i graduated from college in 2012 i had trouble finding steady work for years, i tried to keep up with my loan payments but i could not for financial reasons. Navient would always push me to a forbearance or deferment, so now these loans are costing me more than they ever should have. I am currently up do date with my loans, however i do not feel i was treated fairly i was getting charged interest while on deferment and i did not no this. Im not sure what exactly i can do so I am asking for help.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I purchased a XXXX blender with my Best Buy Credit card on X/XX/17. In the following statement I started receiving charges for payment protection for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX while I had not signed up for payment protection.

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I was charged the following : XX/XX/XXXX : {$1.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00}
Consumer complaint received 2015-09-26
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NC)

Closed my account at Barclay 's because they are unable to process my bank payments ( although no other companies have this problem ) Called every month since XX/XX/XXXX to try to resolve issue. They say they will take off late fee and I should only pay 'x ' amount. I send in a check and pay the amount and they charge me for not paying the late fees. Now they are charging me late fees on the late fees in addition to a minimum charge. 
XX/XX/XXXX : called and was told balance now XXXX + previous late payment charge. Agent said they will take away late payment so final payment is XXXX. Check sent for {$14.00}. 
XX/XX/XXXX have bill of {$58.00} all late feesXX/XX/XXXX, XXXX : called to resolve problem, phone system not working at Barclays any of these numbers XXXX ; XXXX ; XXXX
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

This complaint I am submitting is on equifax. This credit reporting company is reporting wrong incorrect information on my credit file. I just received an e-mail with the results of there so called investigation which took less than 10 days. XXXX acct # XXXX first it reported that my payments are {$4800.00} per month. I disputed that information as that was completely incorrect. Now they are reporting that my balance is {$4800.00} which is still wrong. I had an auto lease opened XX/XX/2013 for 36 months with payments of {$320.00} per month. The lease was up ( I returned the vechile 1 month prior to the 36 months ) and re-leased another vechile from them. The report is showing that they received payments for 28 months that would mean that the car was turned in 8 months prior to the lease expiring. This information is WRONG. I do NOT owe {$4800.00}. XXXX took my last months payment being I turned the car in 1 month early and put it into my new lease. I am very aggravated with equifax as they are just throwing any information on my credit report which is causing my credit score to decrease. I myself contacted XXXX and confirmed that the lease was to full term and paid. I feel equifax is not doing a proper investigation as it would come back to them that this account was PAID in full with NO balance. acct # XXXX. My next complaint is equifax said they completed there investigation and again with acct # XXXX XXXX it was first reporting as a {$380.00} charge off ( which is also wrong because this account was paid in full ) it now it showing a high balance of {$560.00} with a note ( charge off amount XXXX ). Under the comments though it says there was a charge off. This information is completely wrong. XXXX is no longer in business. I was told by a prior rep that they ( equifax ) never received a response from XXXX when I disputed this months ago. I was told by law it is to be deleted. I monitor my credit file very closely as my credit worthiness is extremely important to me. I have been trying to have equifax correct and delete these XXXX accounts as it affects my credit score. I will again be submitting a complaint to the Better Business Bearou again about equifax. This is my credit worthiness not there 's and this credit reporting agency is terrible. I wish to submit this complaint in hopes they will finally correct and delete these XXXX items as they should not be reporting wrong information like this on my credit file.
Consumer complaint received 2016-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (NC)

The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AK)

Received mail-in credit card offer for 0 % APR on balance transfers. Applied via phone. After completing application process, agent informed me I was approved at a rate of 17.99 %. No way to cancel or close the account until I receive the card in the mail. Very frustrated I had to waste time on phone, and took points against my credit rating for applying for another account. Will obviously be closing this account as soon as card arrives in the mail.
Consumer complaint received 2015-09-28
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (NC)

Ditech ( formerly Greentree Servicing ) has repeatedly called my place of employment, harrassed secretaries, and requested to speak to my boss. Moreover, callers have called siblings, cousins, and even elderly grandparents to ask for contact information ( which they currently have ). In each instance, the caller from Greentree and/or Ditech have stated that they are representing my Mortgage company. Additionally, each time that I have spoken to the caller, she is rude and occasionally curses. I have often requested to speak to a supervisor ; however, the caller has refused and at times has hung up on me. These calls typically start if I am more than five days late for a monthly payment. 

Ditech ( formerly Greentree ) uses unprofessional tactics, and I feel that the individuals who work for this company have been harassing not only me but also my family and my co-workers.
Consumer complaint received 2015-04-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (CA)

I was a current student at XXXX college. The financial aid represntive called me out of class to tell me I did n't have enough funding from grants and student loans to cover my books and said she did n't know how else I was gon na pay for them or continue classes without them or a payment for them. She continued by saying I need to take out a Genesis student loan that would also be payed directly to the school. She filled out an application on line for me. She called them and worked out the details and had me sign up for loan. She said since I was n't working at the time that this would be the best way for me to get my books. I have been paying back my loan. The school has been shut down and now that loan has paid for books and classes I did n't get to finish. The school has shut down and I am still left with the payments on the money the school received for a degree I never got to complete.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (SC)

Experian refuses by trickery to investigate the accuracy of accounts, and largely denies consumers the opportunity to redispute information that is on the reports. In my case, which has happened for the past 8 years, Experian keeps merging information between myself, my brother, father, and grandfather because of similar names, in my case, they assigning my brothers accounts, their home addresses, and credit information to my report, and when actively disputing the accounts, they state that the wo n't correct the information, that it is verified. My name is XXXX XXXX XXXX, my relatives are XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, this is the first instance. 
The XXXX problem XXXX, auto credit, and security national between 2012 present sent me a IRS Form XXXX, debt forgiveness, which means that it was counted as income, not debt on my annual filings, Experian refuses to reinvestigate those facts, and cites repeated disputes, so based upon trickery, they are allowed to keep the item by refusing dispute capacity.
Consumer complaint received 2017-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

I contacted both XXXX XXXX and Walmart back on theXX/XX/XXXXand requested for the dispute remarks to be removed, as it was hindering me to obtain a home loan approval. I was told that it would take 30 days. After 30 days, I reached out to them again as the dispute remark was still on there. I just had my credit pulled today ( on theXX/XX/XXXX ) and the dispute remarks are still on there.
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I do know what else I can do, and why they will no comply with my simple request to remove/cancel my disputes, so that I can obtain a mortgage approval for an FHA loan.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

On XX/XX/year> my accounts were closed. I went into the BMO office branch on XXXX XXXX XXXX in XXXX and spoke with XXXX XXXX about my account. He was sort of helpful, and he helped connect me with the " back office '' that was managing my account. The woman on the phone told me there is nothing I can do to regain the funds, and checks were already being mailed to my address. When I told her the address was incorrect she said there is nothing I could do as well. I know for a fact that IF those checks were ever sent out, they were not even sent until a week after I made contact with them, they have intentionally been holding onto my money ... basically months and months and months go by with tons of communication and no checks... I just barely got a check for around XXXX but they still owe me more. They are doing this on purpose. It has been over XXXX months and they still owe me XXXX ... they didn't even get my requested bank statements to me until this month. Completely unacceptable.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KeyBridge Medical Revenue Management (MI)

Falsely identifying themselves as XXXX XXXX Representative. Not identifying self as a debt XXXX. Using robocalls. Left XXXX robotic voicemails which I still have stored on my phone : Hello this is a communication from key bridge please contact the patient care representative by dialing XXXX again our telephone number is XXXX to our hours of operation are Monday through Thursday XXXX XXXX XXXX XXXX XXXX  and Friday XXXX XXXX XXXX XXXX XXXX thank you and goodbye
Consumer complaint received 2017-04-27
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  have sent a Mutilpe Inquiry l etter on  XXXX    XXXX  ,2017 and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a letter  XXXX  days l ater that meant they did not investigate whether or not th e inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I made a purchase using my XXXX XXXX  account for XXXX XXXX. This was a service that provided automated trading for which they offered a XXXX  day money back guarantee if I failed to make money. The cost was {$9900.00}. 

Over the XXXX  days, I ended up losing $ XXXX on an initial investment of $ XXXX. The company was stonewalling so I filed a dispute on my card as I knew or at least thought I was protected. 

I was told I had XXXX  days to file the dispute and did exactly that. I sent all info in supporting the dispute timely. After a couple weeks, I finally received an email in my junk folder ( no call ) stating some of the attachments did not come through.. I replied to the email timely with all the attachments and asked them to please call me if they had any questions. I also sent the same info back to a separate dispute email to ensure they had it. 


A few days later I received an email stating the attachments did not go through, so I sent once again and once again asking for a call. A few days later I received the same email again so this time I printed everything out, scanned all the documents and reset. 

A few days later I received an email from XXXX XXXX  indicating they were issuing a full refund for {$9900.00} ( what I paid ) so I assumed the dispute was settled as I sent all documentation supporting the XXXX  day guarantee, proof of my loss, and conversations with XXXX XXXX. 

Yesterday I called Citi to confirm and was told that my dispute was closed as time elapsed. I asked why I was told I had XXXX  days and that the delays were on XXXX  side. I further explained that no one ever called me even though I asked several times. I asked to speak with someone and was told the investigation teams do not take calls. They would not even help me after I said I received an email showing a credit was issued and all they said is it could take time I am at a loss due to this blackhole of misinformation and lack of communication and may be out {$9900.00} due to XXXX  lack of transparency and urgency.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MD)

I contacted Equifax by phone on XXXX/XXXX/XXXX to request removal of a XXXX state tax lien filed in XXXX. At the time the lien was filed, I was living XXXX and was not in receipt of any notices of an impending tax lien from the XXXX XXXX XXXX XXXX. Upon my return to living XXXX XX/XX/XXXX I immediately contacted the XXXX and set up a payment plan which I completed in early XXXX ; the XXXX subsequently released the lien in XXXX XXXX. However, Equifax informed me on the phone call that they would not remove the record in their databases until 10 years after the filing, or seven years after the lien was released. When I inquired the reason, the agent informed me that it was because of state and Federal law that they were required to maintain the record. Unlike the XXXX Fresh Start program, and states such as XXXX where I currently reside, the state of XXXX has no mechanism for withdrawal of tax liens. ( XXXX legislation introduced several years ago to mirror the XXXX withdrawal legislation, SB XXXX, was not passed. ) I find this quite unfair, as it can burden many taxpayers like myself who have made the effort to satisfy their tax debts completely. As the XXXX noted upon initiating the Fresh Start program, " the goal is to help individuals and small businesses meet their tax obligations, without adding unnecessary burden to taxpayers. '' XXXX said, " These steps are good for people facing tough times, and they reflect a responsible approach for the tax system. '' Last month, encouraged by the Fresh Start program, I paid off an XXXX debt of {$33000.00}, in full. What can be done to get XXXX and the credit reporting agencies, to see things through the same lens? And, more to the point, why is it that the credit reporting agencies are claiming to be governed by different state and Federal rules.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is a debt purchasing company that is reporting XXXX bank as a charge off collection account in erroneous and fraudulent way. This is clearly a XXXX bank that is well exceeded the stature  of limitations since last pmt/activity dates back to XX/XX/XXXX2009. According to the FCRA this needs to be deleted immediately from my credit portfolio
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I called Citibank to pay off my Best Buy credit card and to close the account on XX/XX/year>. I was told my final bill was XXXX  and the representative would waive the late fee and interest for XXXX. ( The due date was XX/XX/year>. ) Since XXXX, I have continued to receive bills for late fees and interest even though there should be no balance on the account. I called on XX/XX/XXXX to dispute the fees and was told I just need to pay the charges. I called back on XX/XX/year>XXXX  after receiving a notice that Citibank would report the missed payments to the credit bureaus. I was told that Citibank does not allow customers to dispute fees. I was transferred to Customer Service, and after 15 minutes on hold the voice was so garbled, I could not make out any words. I called back but was still unable to make out any words due to the garbled voice. Each month they continue to charge me an additional {$42.00} and change as a late fee and interest.
Consumer complaint received 2017-06-30
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: Colony Brands, Inc. (VA)

XXXX   XXXX  has an account on my credit file for a charge off of  XXXX . This. Account has since been sold to  XXXX   XXXX   XXXX   XXXX   XXXX  who is collecting the debt and threatinf to report to the Credit Bureau. I want   XXXX   XXXX    information removed since they are no longer collecting and I 'm working with   XXXX   XXXX   XXXX    XXXX   XXXX .
Consumer complaint received 2024-11-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

Yes this started back on XXXX the XXXX i got a check in the mail for {$850.00} From XXXX XXXX because the man who was buying my truck from me he paid me {$850.00} so I go to Wells Fargo ATM to deposit the check into my account well it told me half my money would be available the next day well I never seen any of the money the whole day well the XXXX of XXXX I still had no money well Wells Fargo said the check was sent back to XXXX XXXX because they thought it was fraud and then they also told me I had to go into a branch and verify my identity before I can start using my online banking which I did on XX/XX/XXXX and I had access to my online banking and then they cut it out and told me I need you to go back and get reverify no I have no access to my online banking or nothing Don't know what's going on or anything
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting