davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I made a cash advance with Citibank in the amount of {$2000.00}. The interest fee was 5 % of that cash advance. I made a cash advance on XX/XX/XXXX in the amount of {$1000.00} and another {$1000.00} on XX/XX/XXXX. A {$100.00} interest fee was assessed.

I have a low balance on this card with 0 % interest on purchases until XX/XX/XXXX. I made a payment of {$2100.00} on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I saw another pending transaction for {$100.00} notating that it was a cash advance fee. I had already paid {$2200.00} so it looks like they were charging me again.

When I called to speak to a representative, they told me the pending charge was to apply a credit towards the {$100.00} because I had paid in full the cash advance along with {$100.00} fee. It didn't make sense at the time and I logged into my account everyday since XX/XX/XXXX, to see the pending {$100.00} charge date move to a future date.

I logged into my account on XX/XX/XXXX, and see that they are trying to charge me {$100.00} for cash advance when I already paid {$2200.00}. No one at Citibank can explain why I'm still being charged. If I pay the {$100.00} that will account for my total fees for this {$2000.00} cash advance to be {$300.00}.

It doesn't make any sense since I paid in full the cash advance plus {$100.00} fee on XX/XX/XXXX which is 5 days after making the cash advance.

Citibank is trying to charge me {$300.00} in fees for a {$2000.00} cash advance that I paid off in full within 5 days.

I have my chat correspondence with a representative from Citibank who can't give me a legitimate answer so I'm filing a complaint about this.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I only have one student loan and Equifax is showing it four times with incorrect information. Three times as my loan is in deferment and one that I am past due. The past due is a duplicate account.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

Collection agency Credit Collection Services collecting on a fraud Debt that does not Belong to me for {$100.00} File number XXXX and i request a cease and desist collections on this disputed fraud amount that does not belong to me.
Consumer complaint received 2018-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (MS)

PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to  Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? 
PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}.

PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled,  mishandled, and robbery of obsessive nsf funds.
Consumer complaint received 2018-06-14
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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Select Portfolio is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (TX)

they are trying to collect a bill from XXXX that Idont owe contacted XXXX XXXX they say I don't owe anything XXXX XXXX XXXX are trying to collect for XXXX XXXX dollars call XXXX today and they say I owe them nothing, these people are reporting me to credit bureaus
Consumer complaint received 2018-06-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (GA)

I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (FL)

Original Date XX/XX/XXXX Account was Re-billed XX/XX/XXXX in the amount {$2500.00} The charge was immediately disputed as an unauthorized charge with US Bank upon receipt of the statement the bank has refused to resolve this fraud. 

The card was Not present during this charge date and therefore the card was not swiped or was a card with a chip inserted, nor was there any Signature Authorization as corroborated by US Bank
Consumer complaint received 2018-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am an authorized user of this XXXX XXXX XXXX account and was told by XXXX that this account would report to all national credit bureau 's which includes Equifax. Its been over a year now and have not seen any reporting of the XXXX account. I have attached a document from XXXX in regards to the non reporting of the XXXX account. Equifax please review this document.
Consumer complaint received 2018-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

USBANK refused to respond to complaint XXXX filed with you XX/XX/XXXX due to my request for you to forward any replies from them to my dad because he is not on the mortgage. I am asking you to resubmit that complaint which they responded to which defines what is in my opinion predatory practices- misinformation- outright distortions and an attempt to foreclose even when they HAD the mortgage money which they maintained in a separate account and did NOT apply. The issue was over {$37.00} cents escrow. Complaints were logged with HUD and the XXXX XXXX XXXX   who informed me they could only raise escrow no more than XX/XX/XXXX. Confirmation with taxing and insurance indicated there were NO increases for XX/XX/XXXX and they informed me if any would not be available until later in the year. This issues started from day 1 of the forbearance - with their collections not aware or understanding I was on a forbearance program because of the XX/XX/XXXX storm in Florida- which HUD extended through XX/XX/XXXX. In my opinion while they continued to offer a renegotiation of the mortgage it was not necessary. Frankly, while I could use a modification I was very scared and concerned because of their method of doing business and demonstrated inexcusable incompetence which ruined my credit costing me addition money of financing a necessary used car purchase due to mechanical failure of my other vehicle due to that credit and they not moving to correct such. This placed me in severe financial hardship and difficulty further impacting me not only financially but placing me under mental and physical duress involving multiple trips to the ER. I was afraid to do anything with them because they never gave me a straight answer always different coupled with outright lies. They were rude, and arrogant at times and I had immense fear dealing with them. Complete documentation is available!
Consumer complaint received 2018-06-14
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: CITIBANK, N.A. (NY)

I ordered airline tickets online, and only after paying for them, upon receiving my online confirmation, I noticed that it was not what I agreed to ( in that, they added an additional stop to the trip ). 

I promptly called up the online company ( from where I had purchased tickets ) and asked for a refund. The rep. told me that they would charge me a cancellation fee. After some back and forth I requested that the charge be cancelled, both on the phone and via email. 

I then called up my credit card company & tried to dispute the charge, but the charge had not been posted yet, so they said to call back only after the charge was on the bill. I asked the CC company rep. to annotate the incident. 


Some of the charges are still in dispute, however one charge was upheld because the credit card company failed to address it. Meaning it was overlooked despite me addressing it. 

What happened was, upon receiving the initial notice saying that i failed to address some charges, I called up the CC company, and after speaking to a disputes rep. i was told that they would apply the rebuttal / reply to all the charges. I even offered to make out separate emails ( basically i had to copy and paste everything 8 times, which i offered to do -- the CC dispute rep. said not to worry about it that she would make the reviewing body aware of this ). They applied the email to all the other charges but one. 


After recently seeing the charge on my bill, i inquired about it and the CC company says that i did not include it in a separate / individual email. I went forth and explained everything to them, they said that there is simply nothing that they could do at this point. 

It's for roughly {$600.00} is there anything that I can do?
Consumer complaint received 2018-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX XXXX sent a letter in the mail claiming I owed a debt form an account paid off. They purchased an debt file and are claiming they want to collect without providing any proof of the debt just my address an balance. They refuse to send me evidence to the validity of the debt and threatening to report it to a credit agencies. Currently this debt is not on my credit file with any of the three major agencies hasn't been ever. Now they are threatening to ruin my credit with no evidence.
Consumer complaint received 2018-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Sent moneygram from a cvs location for {$500.00}. Receipt provided to me had invalid transfer number. So, moneygram denied receiver the money. Visited moneygram office numerous times but have been told CVS has given invalid transfer number and they are supposed to refund you.

CVS location is not refunding my money or helping me with the transfer.

Its been 3 months of running around and I cant even get my {$500.00} back let alone damages and other costs incurred visiting these offices and talking to customer service teams. 

Receipt attached : moneygram send transfer receipt cvs payment receipt letter to cvs regarding this issue ( no response from them ) CVS Location : CVS Pharmacy - # XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Apart from my {$500.00} refund, I am liable for damages due to waste of time and money.
Consumer complaint received 2018-05-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CO)

After struggling for months to begin making payments on an income based repayment plan I was approved for in XX/XX/2017 and trying to make payments on, a 2 month forbearance was applied to my account without my consent. When I asked a representative why the forbearance was applied I was told that they could find no reason for the forbearance to be applied. The representative confirmed that the forbearance should not have been applied and was not agreed to by me. I'm concerned that XXXX XXXX is applying forbearances to accounts of borrowers who are struggling to make payments to continue to keep borrowers like me from beginning making payments on IBRs and to continue capitalizing interest.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I have three issues With Equifax that I believe in direct violation of my consumer rights. 
First, i will start with address change. XX/XX/XXXX I disputed and submitted a formal request to change to my correct address. I sent the required identification requested by Equifax. XX/XX/XXXX Equifax sent a confirmation letter and deleted the disputed address. XX/XX/XXXX, I receive a letter from another dispute. I notice that Equifax re-inserted the deleted address without informing me in writing that they were re-inserting the deleted address. 
Second. Equifax is reporting a collection that the 7 year time limit has expired for XXXX XXXX. XXXX XXXX reviewed their files and admitted that the statute of limitations had expired. Tennessee statute of limitations is 6 years. XXXX state that the account in question expired XX/XX/XXXX. XXXX informed me to contact Equifax. Equifax has been informed formally several times. Equifax has reported this account 2 years beyond & years. I have formally disputed this era to Equifax several times. 
Third, I recently have been informed that there is a bankruptcy that has been maintain under my social security number. Equifax was sent a formal letter disputing the bankruptcy. They were asked to validated there information and provide me with copies of any documentation. I inquired through the bankruptcy courts. I was informed that the courts do not report to credit bureaus. A formal letter was sent to Equifax XX/XX/XXXX and received XX/XX/XXXX. XX/XX/XXXX Equifax sent the bankruptcy dispute have been verified through XXXX XXXX. XXXX XXXX informed me a security freeze has been place on my files if any as of XX/XX/XXXX.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MA)

To Whom it May Concern, Im trying to report my credit card for unethical treatment re ; my last monthly bill. I recently charged a vacation for my wife and I on the card so it was somewhat larger than normal. I paid the sent statement in full, always have for life of card, and the credited a much smaller amount. As it turns out the extra interest was charged and I made a total of 5 calls to try to resolve.

The manager, XXXX< finally said a research dept will look into and get back to me on the XX/XX/XXXX of this month. In the meantime I asked for them to provide a copy of the check or documentation and was denied.

In this day of instant communication I find extremely poor customer satisfaction and dont know where to turn. My thoughts are if I have this poor experience other must have too.

They have admitted they read it wrong and research will be in touch. Can you help tell me how to fast track this issue??

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Cell ; XXXX XXXX XXXX Hme : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-13
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: Collins Asset Group, LLC (FL)

I sent a certified letter with return receipt to Collins Asset Group in XX/XX/2018 upon noticing that this company had begun reporting this entry on my credit reports. In my initial request to this company, I requested that they provide the date this alleged debt became payable, the original delinquency date as well as a complete accounting of the alleged account. In the letter I received from this 3rd party collection company was a mere dunning letter. This company never sent me a dunning letter nor have I ever received any communication from them regarding this alleged debt. By Collins Asset Group not allowing me 30 days to respond to dispute the validity of the account entry, is a blatant violation of my consumer rights. 

Further, if this company is able to provide a document that bore signatures and is a contract, why is the contract not listed as an RIC? Where is the copy of the contract proving I entered into an agreement with Collins Asset Group? Where is the proof or dunning letter that they should have sent me prior to inserting this account on my credit reports negligently? This account is inaccurate, unverifiable and erroneous and should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS.
Consumer complaint received 2018-09-03
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. (CA)

Citibank send me a credit card invatation to open a new credit card and said if I used XXXX dollars with in the first 3 months I will be give XXXX points. I used over XXXX and its just been XXXX months. I call to ask about the points and after transferring me a few times they said I dont qualify for this because I cancel one of their cards recently. How will I be able to keep track of what I cancel or did with their cards. But the send me the invitation and I complete the requirements and deny the bonus. They told me this was on their disclosure when I sign up but why would the offer me this when I do not qualify.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

In Late XX/XX/2018 I contacted XXXX, Equifax and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court Eastern District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with XXXX, XXXX or Equifax. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.