davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Citibank NA offered me a below XXXX percent interest rate on balance transfers, which I accepted. I then used the card for purchases. When payment was due I paid more than the amount of the purchases to ensure that the purchases would be paid off every month. Citibank applied a large percentage of the payment to the low percentage rate balances and NOT the 28.99 % interest rate purchase balances. It did not pay off the high interest rate balances, thus forcing me to pay 29 % interest even though I paid enough to repay purchases and all purchase balances. This is devilry and trickery. It goes back to the statement closing XXXX XXXX. 

Closing date XX/XX/year> I am charged interest for XXXX cents of purchases that there is no explanation for, despite making a {$70.00} payment ( minimum due {$65.00} ). The high interest balance was not paid off. 
Closing date XX/XX/year> I am charged interest on XXXX cents in purchases balances despite making a payment of {$75.00} ( minimum due {$64.00} ). The high interest balance was not paid off. 
Closing date XX/XX/year> I made purchases of {$180.00} and paid {$220.00} on them. The high interest balance was not paid off but I was charged interest on {$46.00}. 
Closing date XX/XX/year> I made purchases of {$70.00} and made a payment of {$220.00} and the high interest rate balance was not paid off. I was charged interest on balances of XXXX. 


I paid more than enough to pay off the purchase balances and instead they were not paid off and the low interest rate balance was reduced.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (VA)

My discover it card was proved about three month ago and it was closed unexpected. The company said the address in the requested form submitted to IRS has problem. I only have one address in US and Im a visiting student so I dont have real income and tax payment record. All fundings is supported by my XXXX sponsor. After calling for help, they told me to reapply. But it doesnt work any more. I am still wondering what happens to IRS and hope this wont affect my credit score.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

I received a letter from DoE, during XXXX of XXXX stating that I was part of a group discharge. I was told I did not need to make anymore payments and my loans would be placed on forbearance. To date I have not received a single bit of information from the DoE or Nelnet ( Servicer ) updating or moving forward with the discharge. My loans have not been placed on forbearance and I continue to make payments to date, because I am told by Nelnet, that if I do, it may be reported. They can not tell me for sure if this will be a problem or not. I have made several calls to DoE and Nelnet, only to be given the run around. They finger point and say I should call each other. DoE says to call Nelnet, Nelnet says to call DoE. I am looking for an explanation why this debt is still being reported on my accounts and credit reports.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and natural person are aware of all my rights, which XXXX protects under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. See below for referenced account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX According to XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Emergent Business Group, Inc. (TX)

I graduated from the school XX/XX/year> but my last semester there I had a balance of {$640.00} remaining after graduation. I had autopay set up which stopped once the school went thru a court case that dismissed all loans. I never received any paper work but recently started receiving calls and notifications that the balance owed now is {$7800.00}. I ask about balance and just was advised it is owed but never received and documents. I disputed the account through credit bureaus but never received anything validating the debt. I recently reach out to the college which denying everything and referred me to call a collection agency to verify what is being collected. The collection agency advised they had no information to provide and I would need to contact another agency since they do not have the debt in their office. I have not received any response or been able to speak to anyone from that agency regarding this debt. The debt is only showing {$780.00} on account owed not the {$78000.00} they are requesting. I submitted a screenshot but have loan documents
Consumer complaint received 2023-11-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following has has violated my rights : Account Name XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX  Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
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: Experian Information Solutions Inc. (NJ)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit card — Store credit 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. (PA)

I called them about a dispute for a dishwasher and microwave that were damaged and installed improperly which caused an insurance claim of approx XXXX. Since the problem existed the store stopped dealing with me claiming its an insurance matter so I called CITI Group who owns the Home Depot card On XX/XX/XXXX they sent a letter that the matter was resolved in my favor for XXXX cents Then on XX/XX/XXXX they sent a letter saying it was reversed. I called because I had to answer by XX/XX/XXXX and the letter arrived XX/XX/XXXX. So there was no way to respond fast enough When I called the gentlemen said, no, there is a new letter you haven't received saying it been switched back. I never received the letter. 

I called today and they have no clue why the guy lied and they have no letter. 

This whole matter started because they won't take the product back or fix it because it destroyed my house for over XXXX and XXXX XXXX co says talk to them and they say talk to insurance. The house is fixed only because I made a claim because Home Depot was railroadiing me.

given this nightmare, I don't think I should pay them anything for the work and product they won't let me return.

This is why I am counting on CITI who now has flip flopped and lied to me.

Nobody at HOME DEPOT or CITI will deal with this.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

To whom it may concern I was on my XXXX XXXX and noticed a XXXX XXXX  I am an authorized user on is only showing up on XXXX and no where else. I will attach proof as I screen shot it. I am on my cousins card. XXXX had said I would be updated to experian and XXXX but never happened.
Consumer complaint received 2024-10-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (TX)

I continue to receive harassing calls regarding debt, dating back to XXXX. I live in XXXX  ; it has been XXXX years for ALLEGED debt. I keep getting calls from different companies saying they are a legal office. I did tell them I work law enforcement back as a scare tactic, but after I said that and asked for more information, they got mad at me and said they were filing a lawsuit against me and were Sueing me. XXXX alleged case number XXXX have called my family members to threaten me over debt statute of limitations in XXXX I believe is XXXX years
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMO Bank, N.A. (CA)

After talking by phone with company and getting run around filed complaint. I made a payment on same day to not have derogatory items sent to credit bureaus. Looked at credit report different than yesterday. BMO put a derogatory over limit usage after I spoke to supervisor and after I made an early payment to not be over limit. Bill is not due until XXXX XXXX. If I had not been keeping track would never had known. BMO is defrauding me and who know how many other consumers who use their services.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc. (TX)

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. Kikoff is missing my positive payment history from 2 seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account XXXX XXXX  is missing positive payment history from XXXX as a whole and XXXX is missing XXXX XXXX XXXX 

XXXX XXXX  XXXX is missing positive payment history from 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 

Please update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely. 

I have already reached out to Kikoff suppourt team and the ticket number is XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC (IL)

I hope this message finds you well. I am writing to formally dispute a fraudulent account that has been placed under my name. It appears that my identity was stolen, and an unauthorized purchase was made under the name *JEFFERSON CAPITAL SYSTEM XXXX. 

I kindly request the immediate removal of this fraudulent account from collections and an investigation into the matter. Please confirm the receipt of this dispute and the actions taken to resolve it.
Consumer complaint received 2024-10-24
Product: Credit 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: DISCOVER BANK (FL)

MY CARD WAS STOLEN IN XX/XX/year>. I DISPUTED THE CHARGES AND THE INVESTIGATION CAME BACK AND RETURNED THE CHARGES BECAUSE THE CHARGES WAS MADE AT PLACE I FREQUENTLY VISIT. 

I STAY IN A VERY RURAL AND SMALL TOWN WITH ONLY XXXX STORE AND RESTURANT PUT TOGETHER. HOW CAN THEY MAKE ME PAY FOR CHARGES I DID NOT MAKE BECAUSE MY CARD WAS STOLEN. 

THEN DISCOVER DECIDED TO CLOSED MY ACCOUNT DUE STOLEN ACTIVITY
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mother died on XX/XX/XXXX with out a will and I have made the necessary steps to reinstate the mortgage after she defaulted and failed to tell me about her financial struggles. Since then i keep getting successor of interest notices and rejections of the letter from the probate court appointing me as administrator. which is one of the documents they said i need to submit. the lender is now asking me to submit financial documents such has my tax returns for XXXX, pay stub information, and a deed with my name on it. Which makes me think they are going to illegally reject my lawful right to assume the mortgage and stay in my home. the Attorney representing me has sent XXXX request that met the requirements they outlined in my request.
Consumer complaint received 2024-08-25
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: CITIBANK, N.A. (OR)

On XXXX XXXX, I could not log into my Citibank CostcoAnywhere account to pay my bill. A call to customer service revealed that someone requested a replacement card for my account. On XX/XX/2024, a replacement card was mailed to that person, first name XXXX, living somewhere in Pennsylvania. The address, email, phone number and password on my account where changed at the same time. The same person placed a travel notice on the account and made 38 charges in XXXX using the replacement card from XXXX. I received no communication from Citibank about any of these changes to my account. 
The account was closed, fraud dispute filed, address, phone number and email where updated and a new account was issued. I did receive email notifications of these changes. 
XX/XX/2024 I called Fraud and Disputes department to provide additional information. The representative located the " take over '' within the online Chat records. She confirmed that a replacement card was mailed to XXXX XXXX. I confirmed that I do not know this person and did not authorize anyone to use my credit card. Also confirmed I had made no charges in XXXX and have never been there. The original card was and is still in my possession. 
XX/XX/2024 I received a letter stating dispute was closed. " The card 's XXXX chip was used to make the pisputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we do not consider this fraudulent activity. '' XX/XX/2024 Appeals with lawyer 's letter where mailed to XXXX XXXX and XXXX XXXX. I recived an email confirmation of receipt of new information, but to date have received no further communication from Citibank other that advertising and payment due. notice
Consumer complaint received 2024-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IL)

I had 4 unauthorized transactions done in XXXX Illinois. I reported them promptly. I proved with time stamped photo of me at home not XXXX XXXX were refunded. The fourth they continue to deny. Ive sent the pictures of a receipt that shows I was in store returning an item and video of another item on the receipt to show it is my receipt. They still continue to deny the transaction. They would ha e you believe that I walked to XXXX a XXXX XXXX XXXX. Found a thief I never met borrowed my stolen debit card back from them. To shop at a XXXX in XXXX. Then walked the three hour drive back home in time to take a time stamped photo of myself in my bedroom. All in another of 10 mins. That is impossible you would think common sense would tell you that since three of the XXXXXXXX  4 unauthorized transactions were refunded. You arent allowed to communicate with the dispute team. They email from an email you cant reply to. Then you start The process all over only allowed to talk to People who know nothing and can do nothing
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB CARD XXXX and JPMCB CARD XXXX
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest - XX/XX/XXXX - XXXXXXXX XXXX I recently requested for this account to be deleted from my credit report due to inaccurate reporting. On one report, it states that my last payment was made on XX/XX/XXXX when the others state XX/XX/XXXX. Also, it reports my 30/60/90 days late as XX/XX/XXXX when my other reports show XXXX. The account continues to update as a balance reported affecting my account as a recent derogatory when the account is closed and inaccurate for payment reporting.
Consumer complaint received 2024-08-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (OK)

The company have violate the contract. I didnt receive multiple information. I have included the affidavit and request the company for the information and I also have the company have refused to answer the violation of federal law that was supposed to be included in the contract. I have included the contract also, and I have the number in my affidavit. I have rescind my contract because of the violation and federal law allow me to resend my contract now the Now the company refuses to answer. Or return my money. I have included and outlined .The Five things must be included in car contracts by law they wasnt. I also have include the contract pages. I have online theres a lot of violations in this contract
Consumer complaint received 2024-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc. (CO)

On XX/XX/year>, I received an email from XXXX XXXX XXXX  ( XXXX ) claiming I owed a balance for classes I did not take. The email stated I had until XX/XX/scrub>XXXX XXXX  to contact them at XXXX to discuss payment options. 
My attempts to resolve this issue : XX/XX/scrub>XXXX XXXX XXXX Called the provided number, was on hold for XXXX hour without speaking to anyone. Sent an email requesting to speak with someone about the balance dispute. 
Received an automated email acknowledging my message, warning that further emails would be sent to the " back of the line. '' Approximately XX/XX/year>XXXX XXXX  Called again and spoke with the financial office. They couldn't answer my questions and transferred me to the XXXX department. 
The XXXX department was also unable to help and transferred me to the XXXX 's office. 
XXXX a voicemail for the XXXX explaining the situation and requesting a call back. Never received a response. 
XX/XX/year> : Received another email stating the balance was due and would go to collections on XX/XX/XXXX. 

I did NOT take these classes and believed I had dropped them before the semester began. I have documentation of these communication attempts. 
Despite multiple efforts to resolve this issue through various XXXX departments, I received no meaningful assistance or response. I am now facing unwarranted collection actions for classes I did not take.