davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (GA)

I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. XXXX never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and XXXX. XXXX XXXX XXXX has sent me everything they have from my file with XXXX. Now XXXX violated the O.C.G.A. XX/XX/XXXX. 

XX/XX/XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. 
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. 
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and  provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. 



In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Hello, My issue is with CitiBank with regards to an account sign-up bonus they offered and are failing to deliver. The bonus was a {$600.00} account bonus for opening a new account with $ XXXX of new money ( link at the bottom ). The terms are : transfer the $ XXXX in, maintain that balance for 2 mos., then within 90 days, you get the bonus. 

I made my deposit on XX/XX/2018, which means I should have gotten it by XX/XX/XXXX ( ish ). I called their Customer Service line couple days after that, and again this week, and they acknowledged I had met the criteria. They both promised to email me with an update ( neither did ), but let me know it's under " investigation. '' Which, to me, sounds like an arbitrary queue they can put you in to delay disbursement indefinitely - they use it as an excuse to take no action, and refuse to let you speak to anyone in the bonus department. 

I can provide other specific details if you need them. I just want it resolved ASAP! 

Thanks! 

OFFER LINK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (CO)

Equifax CAN NOT be consistent. On XX/XX/XXXX, I checked my Vantage score 3.0 & it reflects my score went down XXXX points since XX/XX/XXXX. As of XX/XX/XXXX, my score was XXXX, now as of XX/XX/XXXX it is XXXX. See attached showing incorrect information with XXXX XXXX XXXX. For XXXX, Equifax shows I'm 120 days past due in XXXX. Account was closed ( at my request ) XX/XX/XXXX. Date of last payment XX/XX/XXXX. For XXXX, Equifax shows XXXX 60 days PD, XXXX  60 days PD, XXXX  90 days, XXXX 120 days. All other months for calendar year XXXX shows current. Also in the HISTORICAL section of Equifax XXXX AMT PAST DUE for XXXX XXXX XXXX, every month is blank. This is so frustrating when I check my credit report 2x 's a month, it is always different! I should only be 60days past due, NOT 120days! XXXX corrected their records now I'm filing this complaint on Equifax.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I banked with Wells Fargo for over 15 years, within the last years my account was charged for overdrafts in excess. I asked bankers to not authorize payments if funds were not sufficient. Then in in XX/XX/XXXX, Wells Fargo closed my credit card account that I have had since XXXX without my consent. I used the card regularly and the last 4 months before closing it was paid off every month.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

Oh XX/XX/XXXX I filed a fraudulent charge on my way2 go program card. As I looked back I realized there were charges all over seas and as well as in many states I dont live in and have not visited. I called the company and after 5 hours on the phone we added up a total of {$710.00} After that was complete I faxed over the paperwork. Hadnt heard a thing so I reached back out and waited another 3 hours on the phone to get to the bottom of it. They said my case was denied and did not give me any details or reason why. I want further investigation and a refund of my money that I desperately need to live.
Consumer complaint received 2020-07-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (OR)

I received a call back XX/XX/XXXX from EOS to collect for an old phone bill which owed {$1400.00}. I made a settlement of {$710.00}. The arrangement was as follows first payment of {$200.00} by XX/XX/XXXX, second payment by XX/XX/XXXX of {$250.00}, and third payment of {$250.00} on XX/XX/XXXX. The first payment supposedly didn't go through on XX/XX/XXXX and the collector called again the next day on XX/XX/XXXX to let me know payment didn't go through. I told the collector to please run the payment for the full original amount since I was not home and didn't have the settlement letter on me at the time. However, rather than setting up the payment for {$200.00}, he set it up for {$100.00}. I have finally completed all of my payments for the settlement and I am barely getting notice from the collector that I still owe {$100.00} due to an error on their end and that my account is not closed as agreed due to this error on their end. I spoke with the managment of the company and they are now refusing to settle the account the for the amount paid.
Consumer complaint received 2018-04-13
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. (AR)

XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (VA)

M & T Bank is imposing unreasonable requirements to close my account. On XX/XX/2020 I sent M & T Bank a written request to close my account. M & T has refused to close my account unless I mail a notarized letter. As I explained to M & T on XX/XX/XXXX, requiring a notarized letter is unreasonable not only because it costs money I can not spare, but also because notarization would violate the stay-at-home and social distancing orders. As I had already explained to M & T, for Covid-19 related reasons I can not even visit a bank branch, much less go see a stranger or have them visit my home for notarization. It appears M & T is making up reasons to hold my account open against my written wishes, to count me as a continuing customer and charge me monthly maintenance fees. I just can't afford it. Please see my attached correspondence with M & T Bank, and thank you for your help.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX number XXXX, XXXX XXXX XXXX Account number XXXX have violated my rights 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
Consumer complaint received 2018-11-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

For the past 2 months I been battling with Paypal to allow me to add my new bank to my paypal account. I been with Paypal since XX/XX/2014 and have never been required to call them to add a new card but that's what they told me I had to do despite informing them I do not have phone service. Currently I've been charged {$4.00} in interest fees and {$27.00} in late fees with another round coming tomorrow despite Paypal stonewalling me from being able to link my bank account so I can pay my monthly balance. Please contact me at my email XXXX for any personal information needed in locating my paypal account. I am saving this complaint and the one I filed via XXXX XXXX XXXX to ensure if Paypal continues to keep me from paying my bill so they can continue to charge me that I've made an attempt to pay them but they clearly don't want it.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

Fed LXXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DC)

attempting to open XXXX card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA continues to report inaccurate information on my credit report. the past 10+ years my payment history as been 100 % paid on time. USAA decided to report a missed payment when in fact I did pay. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points! with companies refusing to loan to me.
Consumer complaint received 2018-10-12
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Dyck-O'Neal, Inc. (MD)

I recently received a writ of execution for my personal residence and personal property for a paid in full mortgage and a debt not owed. ( See attached XXXX XXXXXXXX XXXX documents. In XXXX of 2015, Dyck-O'Neal 's attorney debt collector filed a writ of execution for unoccupied, unencumbered Real Property but failed to pay the Sheriff to finalize and collect his judgment. Now, instead of refilling his writ of execution for the previous, unencumbered and unoccupied, real property worth far more than its illegal judgment, XXXX 's counsel has decided to harass and attempt to forcibly take our occupied home where I take care of my ill mother solely to harass, abuse, and extort money not owed. Our personal residence has two mortgages which encumber or secure the property for the amount it is worth placing mortgagees, including XXXX XXXXXXXX XXXX, XXXX, in jeopardy to an illegal debt collector extorting us for money owed. I have sent an offer again to the illegal debt collector 's counsel for clear and free, unencumbered unoccupied, real property or raw land, previously sought by writ by the illegal debt collector 's counsel, but the attorneys will NOT respond to any messages to settle the illegal debt for money not owed using my unencumbered and unoccupied real property previously sought by the illegal debt collector 's counsel for money not owed. How do I stop the insidious harassment of attorneys who will NOT stop threatening us because we reported their crimes of using fraud to extort money not owed? Failing to act on the original writ, causing three ( 3 ) more years of interest to add up on the illegal judgment, is another crime of abuse, harassment, and extortion for money not owed. In 2015, I filed a Quash for the property writ, in opposition Dyck demanded I give alternate property to the sheriff and therefore I was Denied. At that point, Dyck was able to collect its illegal judgment for money not owed but failed to do so by not paying the sheriff and allowing the writ to expire. The Sheriff said Dyck 's Counsel " NEVER showed up to pay for the Writ of Execution ''. It is illegal to harass us by now choosing our residence which fully encumbered, serving as security for two loans, one mortgage from XXXX XXXXXXXX XXXX and another private promissory note, while I have unencumbered and unoccupied real property, raw land in the same county, worth far more in value than the illegal judgment? I would appreciate a response to the pressing issue of abuse, harassment, and extortion for money not owed. Thank you.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I'm submitting this compliant due to the negative information that XXXX XXXX XXXX XXXX XXXX has reported in my banking report. I believe that my rights have been violated as this information is inaccurate and misleading. Please investigate and rectify this matter promptly. 

Description of Dispute : XXXX XXXX XXXX is reporting multiple negative accounts with my personal information such as, XXXX XXXX XXXX : Incident date : XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX reporting a negative balance of $ XXXX. 
XXXX XXXX : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX. 

XXXX XXXX  : XXXX date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a negative balance of $ XXXX Fee reversal : $ XXXX. 

XXXX XXXX : Open date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting an Overdrawn account. 

XXXX XXXX : Open Date XX/XX/XXXX, Closed Date : XX/XX/XXXX Banking Routing # XXXX, Account # XXXX. Account Status : Closed for Cause-Purged of ALLY BANK : Open Date XX/XX/XXXX, Banking Routing # XXXX, Account # XXXX. Reporting a closed account. Reason for dispute account was never opened.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I received my Citi credit card in XX/XX/2021, and have been using it successfully since. I was traveling in XX/XX/2021, and had planned to use it as my primary card. I provided Citi with appropriate travel notices and any large purchase notices. However, Citi has blocked the card, and is not offering any solutions to unblock it. I have contacted Citi multiple times pertaining to this request and have gotten conflicting information. 
I learned about the card block on XX/XX/2021. 
1. When I contacted them on XX/XX/2021 around XXXX pm, the customer rep did not provide any information and instead told me that they have mailed a letter. They did not disclose the information in the letter. When I told them that I was traveling, they took down my temporary address. 
2. I did not receive any letters until XX/XX/XXXX and contacted them again around XXXX am. This time, the rep said that there are no potential fraud blocks and they have cleared out any blocks. However, when asked to verify again, they said something about social security verification and that the block would remain until that is complete. I told them again that I am traveling so can not receive a letter and if they can send it to a temporary address. This time, they told me that they can not do so, which conflicted with the information I had received previously. Despite asking multiple times, they also failed to provide any information about what this verification meant and why it was sent to us 4 months after obtaining the card, and precisely at a time when I had submitted travel notices to Citi. They also failed to provide any resolution to unblocking the card while I am traveling. 

As a result, Citi is not upholding its contractual obligation to provide us uninterrupted use of their credit card and I request reimbursement of all financial losses and fees incurred as a result of their breach of contract. Additionally, I would like to request Citi to review how they block and unblock their cards, change their policies to be consistent, and train their representatives to provide correct and complete information.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I recently received an accounting of my student loan payments under the Public Service Loan Forgiveness Program ( PSLF ). It took more than 2 years, and 2 formal complaints to force XXXX to complete this accounting. I have two outstanding matters that have not been addressed : ( 1 ) my payment in XX/XX/2017 is listed as being LATE which is not correct ; and ( 2 ) my payment of XX/XX/2017 was for {$1300.00}, nearly 3x 's my normal monthly payment on the income-based repayment plan. 

ISSUE 1 : I did a direct consolidation to qualify for PSLF and my loans switched from XXXX to XXXX on XX/XX/2017. As such, I was not prompted to PAY my monthly payment to XXXX until XX/XX/2017, which I did timely and promptly. Because the date of payment was due to my loans switching from XXXX to XXXX and not because I was late, the XX/XX/2017 payment SHOULD be counted as timely and count toward my PSLF forgiveness. 

ISSUE 2 : In XXXX of 2017, I was forced to pay {$1300.00} OR XXXX would report me as delinquent to credit reporting sites. No one at XXXX  could explain why XX/XX/2017 's payment was more than my normal amount. A supervisor verbally told me my account would be credited with the extra payment, but no one has responded. 

Due to the fact the CFPB is the only avenue by which to get XXXX to respond to me, I would like another complaint issued to rectify these two payment discrepancies. 

XXXX is the worst company I have ever had the pleasure of dealing with. The only way an accounting of my past student loan payments was completed was by filing formal complaints with the CFPB and US Department of Education.
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (TX)

Lending Club offered a payment plan last summer during my hardship. They specifically confirmed it would not negatively impact my credit. At the end of the three month program normal payments started back as normal. In XXXX when my credit score dropped significantly when reviewed I identified they had reported this account as 30 and 60 days late. I contacted them and they confirmed it was their error, it was definitely inaccurately reported, and they submitted the request to update. They asked for 30-60 days which would have ended XX/XX/2017. Now, after working to get two new loans I was told my score was much lower on two than I had known and those were the reporting agencies they used for loans which caused me to not only be charged more interest on two loans, but also be denied, and have higher inquiries due to the number of companies they had to go to for approval. I WORKED HARD to keep this from happening and this is absolutely costing not only more money but unfair to the consumer.