davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I have NOT missed a payment on this loan. Now that I am down to the last few payments, 8 maybe 9 they changed my payment from {$150.00} every other week till XX/XX/year> the last payment being either {$120.00} or {$120.00}. Now they changed the payment to {$170.00} every other week till XX/XX/year> with the last payment being about {$83.00}. While I realize it's basically the same amount of money, the new payment amounts are not what I agreed to, as I have budgeted a certain amount each paycheck. The extra {$40.00} dollars a month they are requesting is nothing more than them trying to make me struggle more. 

When I talked to someone at their XXXX number, all they could say was the payment schedule is for fees and principal. They were not able to explain to me why they changed my payments without my knowledge.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NV)

My Phone was stolen on XX/XX/year>. 
The thieves were able to access my checking account and charge items on my Citibank Mastercard When they accessed my checking account the thieves were able to submit an ACH payment to Citibank in the amount of {$1200.00} so they would have more available credit on my Citibank account to perform fraudulent charges. 
I notified Citibank and reported it on XX/XX/year> and they re-issued me a new card. I also notified them of the stop payment and reason. 
Since I have had my Citibank Mastercard they have been reviewing my credit report and lowering my credit limit based on my credit score even though I never made a late payment and my credit usage was below 30 % On XX/XX/year> I received a letter from Citibank closing my account for 1 one or more late payments or returned payments. 

I have not made any late payments My credit limits have been arbitrarily lowered. 
I notified Citibank of the stop payment of a fraudulent payment and anew card was issued. I have enclosed a validation letter from XXXX XXXX indicating that the {$1200.00} transaction was indeed fraudulent and not completed by me. 
I would like Citibank to reinstate my credit card.
Consumer complaint received 2024-08-27
Product: Credit 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: ROBINHOOD MARKETS INC. (TX)

I reported an unauthorized charge of {$4000.00} on my Robinhood credit card a week ago. I told the card issuer that I was not aware of the charge and the merchant was not someone I had bought before. 

I told them that I have no idea how the charge ended up in my account. I told them that I had lost my card and my phone which i later found in the lost and found of my gym. 

The bank came with a decision that I was responsible for the charge after 4 days without giving any reasons. The bank is not protecting me from unauthorized charges which is something they should do. How can I be responsible for a charge from merchant that is located internationally and I had never done any business with them. 

Bank is screwing me to end up with a charge that their department should have blocked in the first place. Who lets {$4000.00} to be approved like that from a dodgy website all the way across the world. This is ridiculous.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

XX/XX/XXXX - A travel company frqdulently charged {$800.00} by promisimg to cancel XXXX tickets and provide voucher or cash for the tickets. But they provided neither. I disputed {$800.00} amount with the Citi card. They reversed the amount and credited {$800.00} back to my account. In XX/XX/XXXX they resolved the dispute in the travel comapny 's favor. I called the Citi bank and sent email of the travel company evidence. They again gave the credit back for the time being. Finally in XXXX - XXXX time frame they reversed the charges by stating that they are not able to collect funds from the travel company. Around that time frame about a $ 100 yearly fee was due for the Citi card. I requested to close my account. They closed the account and let go the yearly fee. I received a {$120.00} credit from another comapny. Now the balance was supposed to be {$800.00} - {$120.00}. I still was fighting with the citi card for my right to collect {$800.00} from the travel company. In XXXX Citi sent alettwr that i should pay apprx. {$670.00} to close the balance on the already closed credit card. I paid them on the phone approx. {$670.00} to close the balance sheet. I was travelling for work internationally and missed Citi statement which demanded to pay late and interest amount on the yearly fee which they had eliminated earlier when the card was closed. Today XXXX XX/XX/XXXX that amount has multiplied to apprx. {$400.00} and they want me to pay. I have made several attempts to reolve this situation. I have made hours long calls at a time to resolve the situation but they transfer me XXXX or XXXX times and finally hang up without any resolution. This has also affected my credit rating.
Consumer complaint received 2024-08-27
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: Comerica (AZ)

Recently approved for SSDI ( XXXX ) Funds were placed automatically with DirectExpress ( Comerica Bank ) Have attempted numerous times to effect a fund transfer to my bank so that I can pay bills. 

All attempts at document verification have failed and they won't tell me why. Numerous phone calls, the latest on hold for XXXX hours after which the representative stated something about " system issues '' and immediately terminated the call. 

Please help.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/year> I paid the posted bill on my personal loan that was due on the XXXX with my external checking account. On the XXXX, USAA auto drafted the full payment from the checking account I had with them, this over drafting the account since I didnt really use it anymore. 

I called to dispute this payment since I had already paid them the day prior. I figured it was an issue with the system that required human override. XXXX and a half weeks later on XX/XX/year> I receive communication from USAA stating that they did nothing wrong in pulling the money and they would not put the money back into the checking account. 

On top of over drafting the account when they didnt need to, they charged me a {$29.00} overdraft fee that I had to pay for because of their mistake. When I called to ask them to explain the decision to me they said they could not change the decision and I would have to contact customer lending services. 

In the end, I have closed XXXX of XXXX of my checking accounts with them and my savings account. My other checking account will be closed later this week because I had to transfer money into the account to bring the balance up to XXXX.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (MD)

XXXX presented XXXX cards in an email to me on XX/XX/year>. I applied for XXXX, the Revvi card. There was no mention of fees to pay other than an application fee. However, when the card arrived on XX/XX/year>, it arrived with quite a long list of additional fees to pay that were quite expensive. I learned that my bank account had been charged {$31.00}, an amount for which I received no adequate notice. I realized it was a scam, so I sent back the card with a letter stating my demand for a refund and to close me out as a customer. I sent it via XXXX Certified Mail with a Return Receipt requested. The Return Receipt arrived with no official stamp or signature. I also was told that again {$31.00} would be deducted from my bank account. This combination of unorthodox details pointed to a scam for sure. 

I am collection-proof, in a very bad financial situation, and my mistake was in believing that XXXX was a reputable credit bureau, unless some scammer is using that name to defraud people. I would never have applied if I had not felt secure when dealing with what I erroneously believed to be a reputable institution. 

I am a published writer in XXXX languages and will not hesitate to make this scam known to the public. I feel that XXXX should also be investigated for appealing to prospective customers about an institution that is most definitely not reputable. 

The name " XXXX '' will never be respected any more after this scam. I am insisting that all record of me be deleted and proof of the deletion sent to me via XXXX Certified Mail asap! I want never again to hear from Revvi and I will need to investigate the matter with XXXX. This scam might be one that an impostor has created using the XXXX name. I have since seen the name XXXX connected with other financial operations, but I want out and never again to hear from them!
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NJ)

I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy account notation is erroneous : You guys are violating the ( FCRA ) & i demand a removal or ill have to take this to court U.S. Bankruptcy Court XXXX, Nj XXXX XXXX Discharge
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

This in regard to complaint ID XXXX submitted on XXXX XXXX with regards to fraudulent debits that were charged to my checking account for the purchase of bitcoin currency made XXXX XXXX XXXX who has impersonated himself as an an employee of XXXX. 
The total amount for the fraudulent charges were {$9900.00}. As of today Citibank has refunded {$9200.00} of these charges that were credited to my account on XX/XX/year>. 
A credit adjustment of {$790.00} is required to offset the total of the fraudulent charges made to XXXX.I notified XXXX on XX/XX/year> and a fraud report was filed with XXXX and the account is locked and further investigations are being conducted at the amount. 
A credit of {$790.00} is required from Citibank to close this case. I am providing documentation pertaining to amount required to close this case
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I signed up for the Home Depot credit card when I was checking out in the store. For a discount on a {$50.00} of merchandise purchase. I was approved. I never received any mail/bills/statements or the actual card I signed up for. It's 3 months later and they are calling me telling me that owe them {$160.00}. So I called to speak with them and explain I never received any statements. I found out they are charging a $ XXXX/month late fee. So they are trying to charge me over {$100.00} in fees for a {$50.00} purchase. I explained to them that I never received any statements. I offered to pay off the principal balance on the card, for the merchandise I actually purchased ( nevermind that they didn't give me the {$40.00} in store credit discount that they promised me, when I signed up for the card ... bait and switch ), but I refused to pay these exorbitant and usurious late fees ( the fees are more than the actual purchase amount ) because I never got a statement from them. Further the fees are excessive. I thought the CFPB banned excessive late fees? See the attached article https : XXXX
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On or about XX/XX/year>, i discovered that there were fraudulent transfers of funds out of a joint checking account at the USAA Federal Savings Bank. The transfers resulted in a negative balance ( as of today of approx {$7300.00} ). Consequently, our accounts were put on hold, we can not access the funds in the account ; and standing auto payments with household vendors ( utility company, life insurance companies, personal credit cards ) have been denied for payment by USAA Federal Savings when presented as scheduled. 
The Bank XXXX XXXX Department has been investigating this matter but now, nearly XXXX weeks into their efforts, the Bank has not been able to close out the investigation, resolve its details nor restore the funds in our joint savings and checking accounts and our access to them. i've been continuous communications with approximately XXXX different " front line '' staff at the bank but without resolution. My request to speak to a senior level XXXX to determine when the problem would be resolve has not been responded to. In my conversation today ( XX/XX/XXXX ) with a member of the XXXX Department, I learned that this issue will be " escalated to a higher level XXXX '' for response. Thus far, that hasn't happened.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/24 I paid {$88.00} at XXXX XXXX. I called chase so they can dispute a transaction where they added {$90.00} extra. XXXX XXXX didnt give me a receipt and chase is adamant about needing a receipt. I explained how I wasnt given a receipt and it was an even how can I possibly request a receipt 2 days after the fact. They dont want to help me get my hard working money back
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

It came to my attention that I have 1 late payment and I was never late. Consumer Reporting Agency play an important role in guarantee the accuracy of consumer reports. I have never been late for Nordstrom/ TD acct : XXXX Please investigate the accuracy by providing proof of statements showing that I was late. If payments can not be provided, I demand this payment to be updated to on time payment because I was NEVER late. 
Thank you for your time.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (NY)

I noticed inquiries on my 3 major credit reports that I never gave permission for these companies to run my information. XXXX  XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX on XX/XX/year> . Please remove these inquiries as I never gave permission
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (LA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (OK)

My apartment ceiling fell in and my apartment flooded completely out, the apartment complex would not fix the issue and we were homeless for over 2 months with our baby XXXX at the time waiting on the issue to be fixed, still the apartment never fixed the issue. We asked to be moved to another apartment and the complex stated they had no open apartments. After XXXX almost XXXX months of living with other people I contacted the property manager who stated they did not have the budget to fix any of the issues ( we still have all communications, text messages, emails, pictures etc. ) and stated it will be best to move but to send a notice first. We emailed a notice to the property management and waited for a response after being told that because our apartment was inhabitable we would not be charged to move complexes. We made sure we cleaned the apartment out and left it like new ( which we have pictures of as well ) we were never sued, never taken to court, but an amount was sent to a collection agency IQ DATA INTERNATIONAL in the amount of XXXX dollars. When disputing I asked for proof that I owe the debt and it was never provided, I then called the apartment complex and explained the situation and they ( XXXX XXXX ) have no record of me owing a balance at all and they have called the collection company on multiple occasions to have it ( the balance ) removed as well. The collection agency stated that once they receive it they can not remove it and I have no choice but to pay it but the apartment complex stated I do not owe the debt
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (RI)

I have been unsuccessfully trying to close this checking account for months because I moved away. However, a debit card had been compromised and eventually the issue was resolved in my favor but I still can not get my money! There is no Truist bank anywhere near me now ( Im in RI ) and the bank is demanding that I go into a branch. It is almost {$700.00} dollars and Im being charged $ XXXX maintenance fees. Can you please help me get my money? 

Thank you.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$1200.00}. I believe I appreciate McCarthy, Burgess & Wolff originally XXXX accepting {$35.00} a month during this time. However, I am concerned about damage to my credit score in order to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2019-12-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MO)

Dual Tracking I am writing this complaint in hopes the CFPB will investigate Ditech and their DUAL Tracking procedures. I have been trying to work with Ditech for a few years to get my mortgage back in order and situated with my my mortgage payments. Each time I submit it has always been denied for various reasons including title issues and missing documents. 
My issues now are more recent as of my last conversation with a Ditech on XX/XX/XXXX Loss Mitigation Manager XXXX Id Ext XXXX, she informed me that my file is in with Underwriting for Decision but yet the sale date is still active for XX/XX/XXXX. I pointed out that this is Dual Tracking and that by law they are not allowed to do this and requested for the sale date to be postponed allowing me time to be properly reviewed for mortgage assistance. The rep XXXX stated that unless loss mitigation approves the loan workout my home would be lost in foreclosure. Also, this is an FHA loan and FHA also has strict guidelines on Dual Tracking, again I feel Ditech is performing Negligence on my home and is in clear violation of Till, Respa and HARBOR laws. Please help stop this sale date on my home.
Consumer complaint received 2019-12-19
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX