davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I filed an earlier complaint # XXXX. Citibank claimed in XXXX that the complaint was resolved. This is completely untrue. The bank locked my account and all the funds and therefore I could not take out any money nor close my account and remove all funds. Be advised I called Citibank 6 times this week, spend three different trips in the branch averaging 1 hour per trip. The Citibank branch on XXXX, XXXX XXXX had me sit at the desk for one hour at a time and then told me sorry your funds are locked up. This is more than {$26000.00} dollars. In the complaint where Citibank closed as resolved I tried to reach the rep noted 6 differnet times with no response nor any return phone call. I want the funds in a cashers check and I want to permanatly close these accounts. I am trying to understand how the bank can tell you this is settled when it has not been.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

I received a charge on a Well Fargo card I do not use. I tried logging into the app to see what happened and was locked out. I tried resetting the password but they said the card number wasnt valid. 

I tried contacting the company and they told me its a different card and theyre freeze the account. I am not currently in the US and unable to go into a bank. They they sent me a letter stating my card was delinquent and charged me a penalty. 

I got in contact again saying they say they froze it and I wasnt this resolved. They said they would resolve the fraud and send me a new card. 

They have done neither and now sent me another statement marking two months delinquent, another penalty and my credit score is taking a hit. They also claim they can not help me into my account.
Consumer complaint received 2021-02-18
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: SCHOOLSFIRST FEDERAL CREDIT UNION (ID)

I had a duplicate payment for my credit card deducted from my checking account. The duplicate payment was unauthorized. I called my credit union to enter a complaint about this error and they told me to work with my credit card issuer and would not help me with recovering the duplicate payment.
Consumer complaint received 2018-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CT)

Dear Sir, on XX/XX/18 I contacted by phone and online Experian, XXXX  and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (TN)

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. 
XXXX XXXX XXXXXXXX, # XXXX, has 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 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 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoNation Enterprises Incorporated (CA)

XX/XX/XXXX, I Received a letter from CIG financial, dated XX/XX/XXXX, stating that they'd received my request for DEBT VALIDATION. My recent commitment to the knowledge of commerce has made me aware that, not only was the company paid in full the day I left the lot, but to demand 'payment ' of a 'debt ' by FEDERAL RESERVE NOTES , is unlawful and impractical, as the FRN has had no backing of value or substance since XXXX. Furthermore, considering the fact that purchases made with an OPEN END CONSUMER PLAN ; there is no offset, which is even more proof that my vehicle was PAID IN FULL the day I left the lot. However, please note that I have not received ANY correspondence that reflected the intention of repossession, and I'm aware it is unlawful for them to do so.

The unlawful enrichment of companies who bank on the ignorance of the uninformed consumer need to be held accountable.

The removal and reinsertion of Delinquencies on the credit report is all but a further example of how this company knowingly violates the laws set in place to govern it. 

My car was stolen yesterday, while visiting family in XXXX Georgia. There was a police report filed ( see attachment ) as well as a claim submitted to my insurance company. The police have still been unable to locate my property. 

Considering the fact that CIG has never VALIDATED the alleged debt they continue publish ; each time being FRAUDULENT use of my 'credit card ' ( as it is defined in the Truth In Lending Act ) ; I would hope they are not the ones responsible for the disappearance of my property. This type of damages would be worth exponentially more than what this company continues to falsely claim I 'owe ' them, however ; i have mastered the art of representing my XXXX XXXX XXXX in the XXXX XXXX, XXXX.
Consumer complaint received 2019-04-24
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. (GA)

As a consumer I view my credit report as I was getting denied for credit. As a result of this I have discovered 2 accounts reporting on my credit file that is identity fraud.. These accounts are from the collections agency on behalf of XXXX XXXX XXXX for {$2500.00} and XXXX XXXX XXXX XXXX for XXXX.. I have spoken to Equifax on several occasions and provided them with a copy on a police report that was file.. They have failed to remove the item off my credit report. In the event that I am trying to establish a life for me and my kids these fraudulent accounts are putting a hold on my life and I should not have to suffer nor does my family.
Consumer complaint received 2019-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-24
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: BBVA FINANCIAL CORPORATION (FL)

Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " Compass Bank multiple times  everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card Number : XXXX XXXX XXXX XXXX. " Compass Bank '' is reporting a false missed payment on my report. I called " Compass Bank '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of Compass Bank and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " Compass Bank again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " Compass Bank kept reversing my payments. The Creditor " Compass Bank is giving me a hard time, i am a single mother and this credit score is  affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (FL)

Over the past year i have received multiple phones calls and letters from southern management systems. They reference a move out fee for an apartment I rented during college over 3 years ago. This particular move out/ cleaning fee was optionally paid during the beginning of my lease, namely the " express checkout fee '' option. I had paid this fee upon move in and thus they are not entitled to it again upon checkout. I have told them this over the phone multiple times to only receive a response of " mail us a copy of your lease proving that it has been paid ''. I certainly do not keep a copy of my lease of a college apartment from 3 years ago and after calling the apartment company they did not have a copy on file as they have changed electronic systems between this time period. I assume that during the change over it did not transfer that I had paid this " express checkout fee ''. After several more fairly aggressive conversations with representatives of southern management systems, where i am simply trying to explain the situation and get information about their claims, I made a statement that if it was necessary to take this to court I would be more than willing to. At which point the person I was speaking with stated that all further communication would have to be through mailed letters with their PO box . During this entire ordeal they never provided any evidence that the debt was legitimate, refused to communicate openly, and have threatened me with credit damage. If I do contact them by written letter I will be providing an attached invoice for my time they have wasted.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Insurance check for hail damage included phh mortgage as payee. Check was sent to phh with the understanding that they would release funds to me and the contractor upon completion as verified by their inspector. I called for an inspection on XX/XX/XXXX and was told that the inspector will call me. The first time I called to ask why no one had called, i was told that the inspection company has 7 business days to respond and it had only been 6. Each time I called after that I was told that another inspection request had been sent. The people who answer the phones in the " Loss Draft '' department say they have no control over the inspectors they hire and can not give me information to allow me to follow up with them. 
It has been over three weeks since I asked for an inspection. It appears that phh is intentionally delaying the inspection so that they can have the use of my insurance money as long as possible. My contractor has the legal right to a late fee from me and phh would certainly assess a penalty if I was late on a payment to them. So I believe a fair resolution would include a late payment penalty comparable to what they would expect from me if I was a month late on a balloon payment of over {$42000.00}.
Consumer complaint received 2019-09-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (NY)

To whom it may concern, My name is XXXX XXXX I got a Veh loan in XXXX with a company called Regional Acceptance I bought a used pickup truck for a little over XXXX I ran into fiananial problems but since then I have tried to clean up my credit alot I have not credit cards 1 loan but since then they were using experian credit reporting agency they stopped using them an it been removed off my XXXX   file and now its on my XXXX report XX/XX/XXXX these people refuse to let me clean up my credit Please help me get them off my report
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

Hello, I am very disappointed in citi bank. I opened up an online account XX/XX/2022 and received the card XX/XX/XXXX. I activated the card that sunday which was the XXXX. I then transferred my money from cash app to the citi bank card, which was XXXX XXXX later that day I tried to make an deposit of XXXX $ and it said invalid card. I tried is 3 times. it said the same thing. Then, I tried to transfer XXXX back into my cash app card to use it and it said contact your bank because it coud'nt be transferred. I called the citi bank and they told me they blocked my account because there were restrictions for cash app and XXXX. I was confused because I was never notified about those restrictions. I cried to them begging them because I don't have any money now. I told them that money was for rent they then told me sorry I have to wait 60 business days for a paper check. They hung up on me with no resolution. Very rude and out of order. Monday, XX/XX/XXXX. I had to call out of work with no money and walk to the citi bank. I spoke to the teller, and she called the fraud department. They were saying I have to wait 24 hours for an answer. I called the following day and they said the same thing and hung up on me. I've been calling ever since. Still no resolution.
Consumer complaint received 2019-04-24
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 22 and 23 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have a store credit card with XXXX XXXX  XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, and XXXX  and XXXX XXXX   XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX, I used my Citi Bank issued XXXX XXXX XXXX Mastercard to purchase two airline tickets from XXXX XXXX in the amount of {$420.00} per ticket. Upon receiving my XX/XX/XXXX statement, I noticed I had been incorrectly double-charged for both tickets since there were four charges for {$420.00} instead of two. I immediately notified Citi Bank of the unauthorized charges and they opened a dispute claim for each of the disputed charges. Citi Bank also issued a conditional credit for both double charges and I went ahead and paid for the two tickets that I purchased. In XXXX of XXXX, I received a written notification from Citi Bank letting me know that one of the double charges was being officially removed and I would no longer be responsible for that charge. During that same month, I received a separate written notification that the other double charge would not be removed and I would be responsible for paying {$420.00} to cover this unauthorized charge on my account. Following that correspondance, I sent a written explanation of the double charged and requested that this charge, like the previously removed charge, be removed from my account as well. Yet another conditional credit was applied to my account during the dispute investigation. Unfortunately, the charge was re-applied to my account in XXXX of XXXX and as of XX/XX/XXXX has not been removed despite multiple efforts at a resolution via written communication, phone calls, and online chats with Citibank representatives. Citibank is now requesting payment of the {$420.00} by XX/XX/XXXX or I will be responsible for interest charges as well as a late fee of up to {$35.00}. I purchased two tickets and it is unacceptable that I am being charged for three.
Consumer complaint received 2019-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

I received a call from a man claiming to be from a courier service. He said his name was XXXX XXXX. He asked to speak with " name ''. I did not confirm if I was the person he was looking for, I simply asked : " What is this regarding? '' He said he was looking to deliver a sealed document to a former address. He said he was hired by XXXX and XXXX to deliver a sealed document. XXXX XXXX gave me a case number and an 877 number to call to get more information but they were an " arbitration firm. '' This call lasted approximately 2 minutes. 

I called the 877 number and " XXXX XXXX '' answered the phone. I told him about the previous call and gave him the case number provided to me by XXXX XXXX. XXXX XXXX told me it was a " wage garnishment for {$1900.00} '' from Citi Bank with a court date of XX/XX/XXXX. He never gave me a case number, nor a state in which the case was pending. I informed him that I didn't go by the name provided anymore and I had paid the debt in 2015. He quickly hung up on me. The entire call lasted 47 seconds. I called back several times only to be hung up on 3 times. I left a message demanding a callback or I would file a complaint with the bar association. I attempted to call back two more times only to be immediately transferred to voicemail. The " firm 's '' website is lacking any identifiable information except an address in Washington D.C.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I was online reviewing cc statement when I did an online chat with XXXX id # XXXX. He said I could lower my rate to 10 % but no more purchases allowed and my recurring charges would stay and I can keep access to my points I've earned. He even said I should get a gift card with my points. Two days later I had zero access to my point and my account was being treated as I was in collections. I called back requesting it back to normal and multiple agents said yes we will fix. I keep calling back and they say I'm denied and they pulled my credit. I did not give permission for them to do that. I've never been late and the points I've earned are gone. They on my last but XXXX call they XX/XX/XXXX they would escalate it and have management call me back. Today I get a call from an agent XX/XX/XXXX leading me that he is the escalated manager and they at the end says Im the XXXX the guy you spoke with ... very shocking and I said fix it. He said no. I said why did you just miss lead me. He did not care! You told the wrong info and all he could say is call the rewards center he don't know now. I just cant understand why this is happening. I would never give up points I've earned. Its like a ha ha we got you. I've never been late either.
Consumer complaint received 2022-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have inquiries on my credit report that I didnt authorize and never authorized for them to pull my credit report 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