davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

This is actually a case of BOTH not receiving my bill AND them not applying my payments properly ( TWO TIMES ). It reeks of predatory behavior and the agents I speak to seem to have no idea what is going on short of trying to exasperate me and get me to stop fighting, which I will not do.

On the XX/XX/XXXX, I contacted Citibank regarding my Diamond Preferred Card. I had received a bill stating that I had a past due balance. I spoke to a representative and stated that I wanted to pay my bill in full. I also told him that I wanted to make sure that it hadn't been reported to the credit agencies as failure to pay. He told me he couldn't remove it, so he transferred me to the supervisor. The supervisor was also not helpful.

Two days later, on the XXXX, I received a call from a collection agency at Citibank. They told me I still owed 3600  or so on my card. I explained that I had spoken to someone two days prior and paid in full, she explained that it had not been paid in full and that this might be because I was transfered to a supervisor. I told her not to worry and paid my bill.

Today, XX/XX/XXXX, I received a statement stating I am one month past due and have a {$4000.00} balance. This is including two new, fraudulent charges for almost 600 dollars. I called in and asked why my payment was not processed, and they stated they never received a request for payment.

After 10 minutes of arguing, they stated they have no notes of any phone calls, either. Only a payment for 220 dollars or something. I asked why they would charge me XXXX dollars if I never called in.

After more talking, they explained that I probably did call in and request to make a payment of 220 or so. I explained that I have paid in full every month I have had a bill. I have never paid " minimum '' or " less than balance '' payments.

Finally, the supervisor admits she can see I spoke to the collections department and can see that I had also requested ( on the XXXX ) to pay my bill, but that the system is not letting her waive the interest or late fees.

This is kafkaesque and reeks, again, of fraudulent behavior on the part of the credit card company. The fact that they can let their representatives NOT take proper notes, then put the onus on me ( the person who ISNT in charge of recording and documenting calls ) to prove that I wanted to pay in full is insane.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Claim : XXXX. No statements received between XX/XX/2021 and XX/XX/2021 XXXX. Believed was paying pursuant to my card agreement XXXX. No access to online statements because card was canceled XXXX. XXXX XXXX sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by XXXX XXXX in XXXX XXXX Letter in response to CFPB XXXX XXXX XXXX. Spoke with XXXX representative on XXXX XX/XX/2021 regarding not having received bill a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. XXXX filed a billing error notice with XXXX XXXX ( in writing ) on my behalf on XXXX XX/XX/2021 a ) XXXX XXXX acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX XXXX. XXXX XXXX did not cease efforts to collect on disputed amount a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX XXXX. XXXX XXXX did not notify me of their findings a ) XXXX XXXX circumvented an investigation by having XXXX verify the current address Harm : XXXX. No effectuation of notice via periodic billing statements between dates identifeid in claim XXXX. 

XXXX. XXXX XXXX did not investigate reasons for non-receipt of bills a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX XXXX. XXXX XXXX continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by XXXX XXXX in XXXX XXXX XXXX in response to CFPB XXXX XXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

The following previous addresses listed on my XXXX and Experian credit report are not my previous addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, AZ XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, the previous addresses arent my previous addresses. The previous addresses do not belong to me.
Consumer complaint received 2018-04-12
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. (PA)

Experian Complaint XXXX Date : XX/XX/XXXX Experian has on hard inquiries showing that I did not consent on auto loans nor did I approve. I also did not give consent to send my credit or approve as many auto loans that are showing by Experian. Experian has not provided no proof to why or how. It's fraud by Experian with no proof or no document to justify there findings. Experian has committed fraud with nothing to support there reply. Experian has nothing documented to provide me just words with no support for the Inquiries that are not supported. Nor can they prove I applied for that many auto loans. Experian has promotional things I did not consent for after opt out in XX/XX/XXXX.

I still see promotional things after the opt out.

The hard inquiries need to be proved by Experian and stop saying I applied for credit with no proof to show with out documentation. This was fraud on Experian. If the companies showing Experian needs to provide the ones showing my consent by my signature.
Consumer complaint received 2022-06-11
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: Nelnet, Inc. (OH)

In XXXX of XXXX, someone opened a fraudulent account in my name without my knowledge. The amount is {$110000.00} and is reporting on my credit report. When contacting company unable to resolve. As a result, I am filing disputes with multiple reporting agencies to have incorrect information removed immediately!
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (FL)

I'm a very ill person, with XXXX problems waiting for a miracle or a XXXX XXXX, I believe someone is trying to open loans under my name, there has been numerous hard core inquiries on my credit bureau report with XXXX and XXXX, mostly companies that give loans, I'm too sick and weak and in bed to be fighting, but this is ruined my credit report, I have notify XXXX and XXXX, and I have put a freeze but nothing works the inquiries keep coming. 
Please advice. I need help Im old and scared someone will take the little money I have.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

The following previous addresses listed on my Equifax and XXXX credit report are not my previous addresses : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX MN  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX MN  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXXXXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, the previous addresses arent my previous addresses. The previous addresses do not belong to me.
Consumer complaint received 2020-01-30
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. (CA)

I used to have an account reporting on my credit report with Experian and XXXX. Now it is gone. It was an older account in good standing. When it was removed the credit scores dropped because it was an older account that helped establish my credit in 1995. 

Please put the account back onto my report please. 

Please see attached company information, as it is still being reported on my Equifax Report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CO)

I am getting cards in the mail that I didn't apply for. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I was notified by target a week or two ago and now all these other cards are coming. I have three accounts. 
I have XXXX XXXX  XXXX XXXX and XXXX  I have other cards but they are all jeopardize at this point. Someone has all my info The Information attached to one of the accounts was Email- XXXX Phone- XXXX
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

I was a victim of fraud and tried to work with Suntrust to prevent it from happening before charges ever cleared. Suntrust told me they could not help me and I would need to file a claim which has been repeatedly denied. Below is a timeline of what took place. 

XX/XX/2021 I received a call on XXXX XXXX cell phone. ( Hes XXXX XXXX XXXX and I am his caretaker. ) I was on the phone for XXXX hours with XXXX who claimed to be with XXXX fraud department regarding a phone that was supposedly ordered through my account. He wanted to assist me in rectifying the fraud with XXXX and I was instructed to download an app and told they would call back the next morning to finish ( see further details on Suntrust rebuttal form ). 

XX/XX/2021 XXXX from the XXXX fraud dept called back and I asked him to verify his identity and he gave me a number to call. I called XXXX and was told XXXX was with XXXX fraud department. I still felt concerned so I called XXXX directly and they reported they do not have a fraud department and that Id been a victim of a scam. 

At XXXX am, I called Suntrust customer service to report the fraud and asked them to stop the transactions. I gave them all of the numbers that XXXX used to contact me ( included on page XXXX of the Suntrust rebuttal form ) and all of the details. They said that the payments would have to post to my account before the investigation could begin. 

Not happy with that answer, at XXXX on XXXX, I visited the Suntrust branch at XXXX XXXX Highway, XXXX XXXX TN XXXX and spoke with XXXX XXXX, who XXXX the fraud department to report XXXX scam. He provided me case number XXXX in the amount of {$5600.00} and I was told that the case could take up to 10 days to complete. 

XXXX also encouraged me to report this to the FTC. I did that in the afternoon of the XXXX and received report number XXXX. 

XX/XX/2021 I spoke with XXXX at Suntrust who told me not to worry about it and she had escalated it. 

XX/XX/2021 I spoke with XXXX at Suntrust and she said this was not fraud but escalated the case and told me to call back on XX/XX/2021. 

XX/XX/2021 I returned to the XXXX XXXX branch of Suntrust and spoke with XXXX again. He called the fraud department and they said I had to fill out the rebuttal form. 

Later that same day, I returned to the branch and had XXXX fax the 11 page rebuttal to the fraud department. 

XX/XX/2021 at XXXX pm XXXX XXXX with XXXX in the fraud department at Suntrust who said that my card didnt work because my account was frozen on account of the fraud. She also said that the case was under investigation and could take up to 45 days. 

At XXXX the same day, I went back into the Suntrust XXXX again and spoke to XXXX who helped me withdraw the rest of my money and froze the account.
Consumer complaint received 2018-08-01
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I refinanced with Carrington mortgage who was responsible for sending a check to my hazard insurance company to cover premium. Carrington mortgage never sent the insurance company a check for premium. Insurance company terminated my hazard insurance. Carrington sent me a letter stating that my hazard insurance expired. I regret refinancing with Carrington mortgage. Money from my closing to cover hazard insurance is missing.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing about my account with Capital one account, I have not used this account for over a year based on my knowledge no bill should have been due. I was also impacted by covid during the months the late pays occurred since I was not aware of anything and since XXXX XXXX XXXX I wasn't aware of this at all. I am assuming the fee is an most likely an annual fee I am hoping that you can waive the annual fee and make the necessary changes to update my account to either paid as agreed or not reported in the months of XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint again to you today to inform you about this continuous reporting of fraudulent activity in my credit file. I visited the FEDERAL TRADE COMMISSION website : https : //www.ftc.gov and filed an identity theft report # XXXX, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN 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 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 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from a fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a new checking account with Citizens Bank XX/XX/21 ( Application # XXXX ). On XX/XX/21, I received an email from Citizens stating that my new account was open and a {$50.00} transaction was processed from my debit card ( from another institution ) to fund the account. At this point, I setup an online account to access my new checking account and setup my paycheck to be direct deposited into this new account at Citizens Bank. I opened this account under a promotion offered by Citizens Bank for a {$400.00} bonus for opening a new checking account with direct deposit ( Promotion code = XXXX ). 

On XX/XX/21, I received in the mail a new debit card for this account. When I called the number to activate my debit card, I was instead forwarded to a representative. He said there was a problem with my account and he needed to speak with a supervisor. After waiting for a total of 45 minutes on hold, the representative told me there was nothing he could do to help me and nothing he could tell me about the problem. He said I should wait for a letter in the mail which would come in a day or two. At this point, I also realized that my online account was locked and I could no longer access my account. 

On XX/XX/21, I finally received a letter from Citizens Bank. It stated that my account had been closed. It offered no other information other than vague threats like " If you continue using this closed account, we will be forced to place a freeze on it. '' In fact, earlier that day my paycheck in the amount of {$500.00} was direct deposited to this account, as I had set up earlier. 

The letter also claims that they will send me a check for the balance at some point in the future. But they have no right to hold my money. They have already held {$50.00} for more than 2 weeks and now they are also holding an additional {$500.00} from my paycheck. Furthermore, as I have set up ( and they have received ) the direct deposit required for the promotion they offered me, I am now due the {$400.00} bonus that was promised. At this point, I have no idea when I will get my money as they have refused to speak with me on the phone. The letter I received is signed by " Fraud Operations '' but it seems clear that Citizens Bank is the one perpetuating a fraud here. The have enticed me to sign up for an account under false promises of a bonus, and then locked me out of access to my own money. 

I have attached screenshots showing the promotion that was offered and the promotion code attached to my account application. I have also included a copy of the letter I received. Finally, I can not provide my full checking account number as I have been locked out of online access.
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AL)

We have repeatedly asked for a history on our loan, and have yet to receive one. We noticed on recent statements that we are being charged interest on fees the service provider is charging that we have not been notified about. ( quarterly appraisal fees? ) We have also received correspondence in incorrect names with our mortgage loan number and address. We also have reason to believe our escrow account has not been properly managed as we are now due for two years of insurance in our latest statement.We can not get answers from the ombudsman email address or via phone. We have reason to believe they are in violation of several fair lending laws. Our home has been undervalued so we continue to pay PMI, on which the premiums keep increasing.
Consumer complaint received 2018-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX  XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.
Consumer complaint received 2018-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

I have ongoing disputes that are preventing me from closing this account and they continuingly charging me monthly account fees, plus regardless of what they say if I lose the dispute I am not getting the dispute loss letter in the mail via the Postal Service and when they debit the account I am on aware but all of a sudden I get this email that I owe them fees because of it being overdrawn .. : However I never got the letter they put me no the accounts going to be debited I want to close the XXXX things PNC is the worst bank I ever dealt with, whos a customer for almost 20 years and Im out because the nonsense like this, I have no problems covering the funds that I owe XXXX for any dispute I lost however I am not paying monthly account fees nor am I paying any kind of overdraft fees because I am not using the account