davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (IN)

In XX/XX/2022, I made a balance transfer. I requested that Citibank send funds to XXXX aka XXXX XXXX XXXX has since changed to XXXX ). The amount of the transfer was {$4100.00}. According to Citibank, the funds were sent to XXXX on XX/XX/2022, but have not been applied to my account. I have spent countless hours on the phone with both Citibank and XXXX trying to find a solution, but I am still making payments on both accounts. After filing a complaint against XXXX, a representative from their corporate office has reached out and asked for more information from Citibank. Citibank sent a letter giving a XXXX digit trace number for the funds, but the appropriate trace number needed would have XXXX digits. On XXXX different occasions I have asked Citibank for the account and routing numbers used when the funds were transferred ( this would help XXXX find the missing funds ), but neither Citibank supervisor would provide this this information. Another solution XXXX suggested was for XXXX to pull back those funds into their account. Neither supervisor at Citibank knew anything about this. I am a XXXX individual with a fixed income, so needless to say making two payments is really putting extra stress on my finances.
Consumer complaint received 2018-12-31
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. (FL)

As I was reviewing my credit report I examined a large amount of incorrect information listed on my report. I was apart of a massive data breach in the 2013 XXXX breach. The event of the breach severely exposed ALL of my personal information.. The negative items listed on my report that I was unaware of are due to me being a victim of identity Fraud. I am requesting that ALL of the items are removed or blocked off my report immediately according to the Fair credit reporting act section 605B.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am late 30 days on my credit report because of a Bank of America error. 
I was having issue with there app and called customer support they had told me that i need to cancel the auto pay in order for them to fix the problem and that they would escalate it to another department that handles that now i am 30 days late because of this and they have reduced my credit limit because of there fault. if they didn't make me remove the auto pay it would have covered my {$8.00} late payment and i wouldn't be reported to credit reporting companies there rep should of at least help me setup autopay the right way if they made me cancel the previous one.
Consumer complaint received 2019-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (FL)

Mid West Recovery SyS in the amount of {$280.00} is falsely reported as negative on my credit report. When I finally got through it was for a payday loan. I have never in my life needed or would ever take out a payday loan. They said the this occur in 2003. I said what? This is flat out un-true, false, and a lie! On the credit report it said the highest balance on this derogatory amount was {$2100.00}. If I owed {$2100.00} why are they asking for {$280.00}? Makes no sense. I have never taken a payday loan out in my life. This is false, and I would like to have this removed from my credit report. This company was not able to give any specifics on what the name of the company what date, how does a payday loan work? Was only given the year it was done which was 2003. No month date or time. This is down right false!
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

I inadvertently re-certified my income too soon and the information provided was from my XXXX tax return. When I realized this had happened, I sent the information from my XXXX tax return. They were quick to process the high income error, but have refused to timely process the information with my actual income. I make significantly less money now and as of this moment, I am self- employed and struggling. I called back in XXXX and was told that I need to submit additional documentation, so I uploaded my pay stubs as requested. I no longer work there and the payment calculations are incorrect and I can not afford it. I went back in and submitted my XXXX tax return information via the IRS retrieval tool in XXXX. My payment still hasn't been re-calculated. I submitted this information yet again and it's still being processed. I can not afford these payments. I have submitted the documents multiple times electronically and they are just sitting on them. It's funny because XXXX has already processed the same requests as XXXX  because they were sent everything automatically at the same time. I want this resolved now. This is totally unacceptable and I am seriously considering legal action.
Consumer complaint received 2019-02-04
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-04-12
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: LD Holdings Group, LLC (TX)

I inquire to Loan Depot about refinancing my home. They were to do a soft credit check so I was told. I continued to shop around within my 45 day grace period. Less then 21 days I decided to go with Loan Depot. Everything has been done and completed. I notice now on my credit, I have 2 Inquiries for that particular loan. 
I called them to see if they would give me a letter stating that one of those was to be a soft credit check so I can have 1 of them removed. 
They told me not to worry for one of them was not a normal inquiry. Yet on my credit it is. They refuse to help me in this matter. I sent a document showing the 2 inquiries and still no assistance in this matter.
Consumer complaint received 2019-04-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Due to health reasons I can no longer live in my home of 17 years I am XXXX and can't walk up and down stairs with ease. I found a buyer and I am trying to do a Short Sale because I owe more then its worth plus it needs major repairs Mold damage/Termite damage/Water roof damage, etc and I alerted Wells Fargo of all this from day one. Wells Fargo denied the Short Sale saying they want 90 % of what is owed and that defeats the purpose of a Short Sale. I have had to move to a rental and cant afford to keep paying for a unit I cant live in and Wells Fargo is unwilling to take what is offered by buyer who has to repair the unit which will cost him thousands as it is to make it livable again. Wells Fargo has never worked with me when I went to them in all the years I owned this condo and now is no different. You would think a falling apart unit would be a relief to have sold in a short sale and not have to repair it themselves but no Wells Fargo wants me to walk away from it and they get it back while our credit is ruined. They don't understand I cant live there due to health issues I cant walk up and down stairs its a townhouse but they don't care.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I opened an account with Citibank in XXXX, XXXX, in response to an offer of an incentive of {$500.00} to be credited to the account after 60 days. I deposited a total of {$15000.00} as required and the only other requirement was that the account remain open and active during the 60 day period. No withdrawals were made and the account continues to have a balance of {$15000.00}. I have received statements and the {$500.00} has not been credited as of XX/XX/XXXX. I telephoned repeatedly and received no satisfactory response, speaking to " representatives '' from the XXXX on multiple occasions and once a person who said she was located " close to XXXX '' One of the representatives admitted he provided to me a false identity. I was hung up on three separate times, transferred to a " supervisor '' once and then he hung up. I was given an " XXXX  number '' which proved to be inaccurate. In the interim I have attempted to access the account with the password and security word established ( which I wrote down upon starting the account ) and the account is locked with no ability to reset the pw and security word. Citibank says I must maintain the account and it must be active at the time the credit is made for the incentive, and accordingly I can not close the account, or I will lose the incentive earned. Accordingly I have lost the use of the funds indefinitely. In the first conversation with a Citibank " representative '' I was provided with a code XXXX and assured that the matter would be " resolved '' within 7 days. Instead, more than a week later, on XX/XX/XXXX, I received an item of form correspondence acknowledging my " inquiry '' regarding my account and it stated they are " in the process of completing our review. '' I telephoned on XX/XX/XXXX, after receiving no further response, and I was advised that the record indicated the complaint, but it had not been resolved. No information was provided as to when and how it would be " resolved '' and I was told I could file " another complaint ''. I asked what that would accomplish and ultimately the person disconnected. The conduct of the bank is clearly conversion and consumer fraud. They have my money, refuse to credit my account, locked the account preventing my access and accordingly they are very simply thieves. How does this international criminal bank continue in existence? I am aware of the innumerable similar complaints. What is the CFPB doing about it? Any fines? Any court actions? How can this be resolved? I want my money, and I want additional compensation for the time my account has been held from me without the ability to invest it or obtain interest income.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX, Equifax and XXXX  and not reporting accurate information regarding account with XXXX as current and open. 

The account is being reported as closed with XXXX which is inaccurate information regarding the CRA.
Consumer complaint received 2019-04-12
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. (FL)

The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My name XXXX XXXX XXXX my phone number is XXXX my wife purchased a new car and I consigned on loan and she past away after 30 years of marriage I tried to get Nissan to  renegotiate the loan and they said they don't do that and I tried to get loan to reduce payments but could not get qualified for amount owed so I gave car back to Nissan and they auctioned the car of for so cheep the car was worth way more then what they sold car for and now are holding me liable for balance I don't think this is fair because she died and I couldn't afford car on my own the car was new only had XXXX miles on it was barely one year old and over 1,000 a month with insurance with XXXX owed on it I could only qualify for XXXX on my own with her passing away they sold car for only XXXX and now want hold me responsible for XXXX on remaining balance this has been the worst thing in my life going through her death and then to have my credit score destroyed by Nissan because of the laws there should be other laws to protect people like me from this it's not like she was still alive and defaulted on loan and I have such a hardship on my own this is just not fair and some laws need to change to stop this from happening to people like me not fair can you help me they should took car on there lot and resold for more then that this is not like normal people default this is a hardship and if they would of reduced price to XXXX they would got more money for car I wonder if they didn't action car to them self and resale car for more on there lot who to say but who sales a car like that that cheep no one you can't buy no car like that for that price no were laws should be changed to stop thing like this from happening to people who have a death it's destroyed my life and these kinda practices are not fair to a widower or a widows and should be changed this is a hardship and now they want to destroy my credit for 7 years it Has been a fight for my life after this happening and I am so exhausted from being attacked by everyone and just seem like it just get worse her death has destroyed my life and my credit to the point its affected my living making things impossible for me can you help me please Thanks XXXX XXXX
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have respectfully requested for Experian, XXXX and XXXX to remove bankruptcy on my credit report. 

It appears that Experian has removed Bankruptcy from my credit Report. Experian has not sent me a verification of bankruptcy removal.
Consumer complaint received 2019-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Everytime I go to sent a moneygram to my son XXXX XXXX they keep stopping the transactions. This has happened quite a few times and then they take 3 days to put it back into my account. I send the money on line as I thought it would be faster, but the on going problems of them not letting me send it is frustrating. And they don ; t tell you if it did not go through as I had ended up also alot of times sent it twice without even knowing that I had did.
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (MO)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) {$510.00} XXXX XXXX XXXX AARGON AGNCY ( Original Creditor : XXXX XXXX XXXX  ) {$3200.00} acct XXXX I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
Company information
Consumer complaint received 2019-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have respectfully requested for XXXX, Transunion and XXXX to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX  has not sent me a verification of bankruptcy removal.
Consumer complaint received 2023-08-25
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: AMERICAN EXPRESS COMPANY (NY)

We booked a moving company " XXXX XXXX '' - prior to the move date my wife fell ill ( documented by medical visits/doctors ) We attempted to seek a resolution with this company but were instead berated, threatened and then forcibly disregarded, as the " CEO '' XXXX XXXX would not work out a resolution but instead cancelled our move, and is attempting to keep {$790.00} for services not rendered. This is simple extortion and should not be allowed. This person keeps providing false claims and excuses to my credit card company and they are rebilling my account. There are numerous low/bad reviews on XXXX, XXXX & XXXX against this company that indicate XXXX XXXX does this quite often. He should be investigated. 

I have been dealing with this nightmare for 2 months now and I just wish it would be resolved already.
Consumer complaint received 2019-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I purchased a vehicle from a local car dealer in XX/XX/XXXX. I immediately had issues with this vehicle and worked with the dealer to remedy the malfunctions. I purchased a warranty that I had a number of issues trying to use. The transmission went out in the vehicle and I was unable to get the repairs made from the dealer nor by using the warranty I purchased. This created major problems for me financially and emotionally. The vehicle was repossessed in XX/XX/XXXX and no payments were made after the vehicle malfunctions. This item is being reported on my credit report as a charge off transaction as of XX/XX/XXXX, this information is inaccurate, the vehicle was charged off 1 year prior in XX/XX/XXXX after the repossession. I have tried to provide documentation to support my position in the dispute process but the credit reporting agency nor the creditor has produced documents to show that this debt is not over the 7 year statue of limitations. I am formalizing this complaint on the basis that the debt is well over 7 years old and should not appear on my credit report. 

I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX, and most recently today using the online tools they provide. I have also written letters to the company disputing the timeliness of the reporting to the credit bureau.
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I WAS AWARDED XXXX DOLLARS FROM AN CAREER ENDING ACCIDENT WITH XXXX  XXXX AND XXXX AND XXXX. 
I PUT THE MONEY IN CITIBANK IN A VARIABLE ANNUITY. 
THAY THE BANK REMOVED XXXX DOLLARS AND IT RUINED MY RETIREMENT ACCT AND MY XXXX PENSION FOR THE LAST 15 YRS IN 2004. 
I HAVE CALLED AND REPORTED IT TO CITI BANK AND WRITEN SEVERAL TIMES TO THEM ALSO TRIED TO CONTACT ATTORNEYS TO NO AVAIL.
Consumer complaint received 2018-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (CO)

In XXXX or XX/XX/2017 I visited XXXX XXXX XXXX   XXXX in XXXX, CO. I had work done including an XXXX on a small XXXX. I had asked the office to pre-authorize the work. 6 months later I received a bill that there was an unpaid balance that was overdue, but it was the first communication from the office. 

While trying to discuss the information with the company they deferred it to : Offender : Amerassist Country : USA State :  Ohio City : XXXX Address : XXXX XXXX XXXX Phone : XXXX Site : arsolutions.com Since I have written documentation from XXXX XXXX XXXX XXXX that because of the situation they are going to simply write off the balance and to ignore invoicing. I have communicated this information to Amerassist and provided them with the written documentation. They refuse to close the account and continue attempts to collect money for no reason
Consumer complaint received 2019-02-04
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.