davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
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: CITIBANK, N.A. (CA)

The Citibank Credit Card company is a ridiculous, rude and not a consumer friendly company. this Bank should be closed down. 

First of all they close my credit card out of no reason. 

Secondly what they claim that the customers get 100 % fraud protection on unauthorized charges on their credit cards is a bogus scam because if the card is lost and if someone else uses it still we are still responsible for the unauthorized charges. 

On around XX/XX/XXXX or XX/XX/2018 my credit card was lost and I duly informed the Citibank about it, they sent me a new card.

Now after two months they have put {$1400.00} on my Account and asking me to pay that Amount. I can not even see this amount on my XX/XX/XXXX Citibank Statement. Is this is a scam or what?

I will not recommend anyone to apply for Citibank Credit cards as  it is a ridiculous money making company and should be sued in a court of law. 

My credit card was in XX/XX/2018 and I did report it to Citibank Promptly, they gave me a temporary credit and 2 months later reapplied to my account ruining my credit. 

There XXXX anywhere Visa Credit Card is a scam Card and they are also ruining XXXX XXXX Reputation. I would request XXXX to please discontinue and disconnect all ties with Citibank.

I will never apply for a Citibank Credit card again.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2018 I opened a XXXX Credit Card, due to being offered a 0 % promotional 12 month interest rate due to my purchase amount. I have been charged {$55.00} in interest so date, and continue being charged interest, and the company is refusing to reverse these interest charges. I have repeatedly stated that I am still within the promotional period, and that I would not have opened the card had I not been offered the promotional 0 % interest offer. 

The offer read as the following : " Your purchase qualifies for a 12 month 0 % special financing. 
6-month special financing on orders over {$210.00} 12-month special financing on orders over {$490.00} 24-month special financing on orders over {$840.00} 36-month special financing on orders over {$1200.00} 48-month special financing on orders over {$1600.00} 24-month special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX mattresses over {$840.00} XXXX special financing on orders with XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, or XXXX   mattresses over {$1200.00} '' My purchase was for over {$490.00}, therefore qualified for 12-month 0 % interest financing. Again, I never would have opened the card had I not been given this offer.
Consumer complaint received 2019-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. My personal information was compromised and a fraudulent account was opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached an Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent account. For yet another last time, the following account is fraudulent : CAPITAL ONE BANK USA, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Consumer complaint received 2019-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated (GA)

I was sent a letter by XXXX XXXX XXXX, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact XXXX XXXX XXXX to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
Consumer complaint received 2021-04-13
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: EQUIFAX, INC. (IL)

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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I looked up a property in XXXX XXXX, FL. I called the number from XXXX XXXX XXXX and obtained information via phone. The so called owner agreed to sign a 2 year lease ; we completed background checks and filled out the lease agreement, sent images of our licenses and signed. So called owner was to ship the keys to us but there was a delay with the husband stating that he found another party that was willing to pay 6 months in advance. We agreed to give an additional 2 months of rent which in term he agreed as well. After we transferred money to their lawyer they told us they sent the keys and would be getting back to us with a confirmation from XXXX. We did not receive word from them after that. We tried calling their number and it was disconnected. My boyfriend did some research and found the actual owner of the property through a property appraisal website and contacted him to verify his identity which did not match the so called owner we had been in contact with. The so called owners sent us a California Drivers License ( XXXX XXXX, DOB-XX/XX/XXXX ) We also have all the text messages sent/received between us. The so called owner also sent post office images to us as if they were going to mail keys to us.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding (KS)

My Name is XXXX XXXX XXXX, the address I live and have Mortgage is XXXX XXXX XXXX XXXX, XXXX, Kansas XXXX, Phone number XXXX. 

The Company I wish to file a complaint against is : XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, my loan was with XXXX for years and then they sold my loan to XXXX, my Loan number is XXXX. 

I have always paid my payment on time I have 15 day grace on the original agreement, I have been dealing with collection calls and their messed up paper work since XXXX of 2019. When my payment is always on time, every month it is something different they are trying to collect on and they are not even suppose to call me period to collect anything because my Payments are always on time. So I told the supervisor I get one more collection call after our talk in XXXX on this problem I would file a complaint against them. I have proof of every payment I have made and that they are always on time. They continue harassing me I will see about suing them for harassment because I only owe on this loan 2 1/2 more years. 

If you want more detail I have kept every piece of paper those people have sent me, even XXXX   letters that they were selling my loan to XXXX. I am sick of this these people have had me stressed out since XXXX, I am over it and it is beginning to cause me health issues. 

If you want to talk to the Supervisor that is suppose to be personally handling my loan her name is XXXX, her number is XXXX ext XXXX. I told her I get one more collection call from your Company I will turn you in. I am getting a lawyer involved if this situation is not taken care of. If I was late it would be different, but I never have been except one time and XXXX worked with me to get it caught up, and I was only 1 month behind that was over 2 years ago. 

any help I can get would be appreciated because I feel this is wrong and they have no clue what they are doing there. 

Sincere Thanks.
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax date breach and may have gotten into the hands of the wrong person
Consumer complaint received 2019-03-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (MI)

In XX/XX/XXXX I entered in a loan agreement with Santander Consumer USA for a vehicle purchase loan. At the time of the loan I made a {$1500.00} down payment which was not applied to the loan. The dealerships explanation for this was that they have a ongoing partnership with Santander, and they will accept any altered financial documents to get a loan approved with no questions asked. They stated I wouldn't be able to get the car I wanted without some " magic '' on the backend. I really didn't understand what they meant, but I was glad to get the car I wanted. 

I made regular payments on my loan consistentley for the entirety of the loan with a few missed payments near the end of the loan due to a financial hardship. When I spoke with a representative in XX/XX/XXXX before the hardship arose, and nearing my loan maturity date, the representative on their recorded line stated that my last payment would be in XX/XX/XXXX and I would receive my title. 

After a few missed payments, I was informed in XX/XX/XXXX that I owed XXXX on the loan due to " interest '' and " late fees '' that are accumulating at {$3.00} per day. The rep told me I would need to modify the loan for an additional 24 months to pay the balance off. I asked for payment records since the loan was financed, and reviewed my credit report in regards to payment history, and there is no way I can come up with a balance due in excess of over {$5000.00} dollars. This compay is a predatory sub-prime lender preying on people with less than perfect credit. Their fees and overcharges are very shady and resembles the practices of a loan shark with a business license. Also, there is XXXX transparency in regards to fees and interest, and I have yet to receive a clear explanation in regards to why my loan balance ballooned in 3 months.
Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (WI)

Is there anybody in Wisconsin or Michigan that can assist me with this? Is Big Picture Loans even licensed and/or allowed to conduct payday loans in Wisconsin? How can they get away with this? On XX/XX/XXXX I filed a Wisconsin Chapter XXXX Debt Amortization and included this account in the action for {$1100.00}. They counter claimed that I owe them {$1300.00} I am trying to adjust the amount to what I feel would have been owed on XX/XX/XXXX when I tried my best to pay the loan off in full and they refused to accept it - XX/XX/XXXX {$1000.00} BALANCE Or maybe remove them from the Chapter XXXX filing altogether is there anybody that can assist w/ this to provide guidance? Thank you, XXXX XXXX XXXX XXXX SUMMARY XX/XX/XXXX {$2200.00} deposited to my bank XX/XX/XXXX {$1500.00} electronically paid on account XX/XX/XXXX my email inquiry on options to repay balance ( recd NO REPLY ) XX/XX/XXXX my email inquiry request for payoff amount for XX/XX/XXXX ( recd NO REPLY ) XX/XX/XXXX my email request payoff amount ( recd NO REPLY ) XX/XX/XXXX my email request for BPL to please respond to my multiple requests ( recd NO REPLY ) XX/XX/XXXX my email request for a response and payoff w/ breakdown ( recd NO REPLY ) XX/XX/XXXX my email request offered {$1000.00} to payoff in full ( recd NO REPLY ) XX/XX/XXXX my email request copy of loan papers ( recd NO REPLY ) XX/XX/XXXX my email request to cancel request of loan papers ( recd NO REPLY ) XX/XX/XXXX me phoned in to support, spoke w/ XXXX who promised they would phone me back ( NEVER RECD CALL BACK ) XX/XX/XXXX my email sent requesting phone call back as never recd ( recd NO REPLY ) XX/XX/XXXX my email below to which I recd NO REPLY CC : Consumer Product Safety Commission by way of webform Consumer Protection Financial Bureau by way of webform
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

On XX/XX/XXXX an unauthorized amount of {$45.00} was sent to a recipient not known. A refund to the recipient was requested immediately when I noticed the amount in my account. I reached out to Cash App to resolve this issue the business claimed I had authorized the transaction, and nothing could be done, that I should reach out to the recipient. I explained it was a fraudulent account for Cash App to investigate the user, how was I supposed to reach out to a recipient I do not know. Cash App support team did not assist with the issue and allows fraud/theft to happen in their business.
Consumer complaint received 2022-03-18
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. (FL)

It has been over 6 months that ai have been reaching out to Equifax regarding inquiries on my credit report. I froze my credit report as well. I have a lot of credit cards and I noticed that they companies are increasing my credit limit and pulling my credit report without my consent. I did not apply for any credit line increases. The following inquires on my report are not authorized by me and a I contacted Equifax via telephone also I have sent over dispute by mail and I am still having this same issue. I had another hard pull again that I did not authorize. Hard Inquiries Inquiries that may impact your credit scores. 
The following inquiries were made without my consent I already had open accounts with these creditors PRIOR to these hard inquiries and I have not authorized them to increase my limits or pull my credit file to do so. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in XX/XX/XXXX. However, any accounts with XXXX were filed under bankruptcy. Also, XXXX XXXX purchased accounts from XXXX and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXXXXXX, Portfolio Recovery as reinstated the debt to read XXXX.
Consumer complaint received 2023-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for a 0 % interest card with Bank of America ending XXXX. They denied the application. Then a few days later I received a text that the account was approved. 

After the account was approved, I activated the card and they put an immediate fraud hold on the account. I called the fraud center and they removed it. I attempted to use the card and they put a second fraud hold on the account. I called again and was told I needed to go into a banking center. 

I went to a banking center and was told that I would have to return with an appointment. I made and appointment and returned. I was there for 30 minutes. The took 2 forms of ID, personal information and verified me on the app. They removed the fraud hold. 

A few days later I attempted to complete a balance transfer and received an email that it was rejected and I needed to call. I called and completed the same balance transfer again.I asked for the reason for the rejection and there was none. I received the disclosures from the representative, listed to them in an audio recording, and verified the transfer several times while being recorded. I received a confirmation that the balance transfer was submitted. 

The next day I received an email that the balance transfer was not completed. I called and there was another fraud hold on the account. Then they transferred me to the fraud department who once again insisted that I needed to go into a branch ... for the third time in a week. When I asked why, they stated that they had no record of me being in the branch. I was in the branch for about 30 minutes and they verified my account in several ways including two forms of ID and through a code sent to my cell phone. I was again told Bank of America had no record of this. 

I immediately asked to speak to a supervisor. I was put on hold and then suddenly the fraud alert was removed and I was told to call the balance transfers department again. I am currently on the phone with the balance transfer department. They just informed me that I need to call the fraud department. 

In essence, I have a card offer that can not be used and the time to complete the balance transfers for 0 % is ticking. There is nothing I can do to remove the fraud hold or use the card. I would not have applied for this card if I was aware that I would never be able to use it at the promotional rate.
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (VA)

My CashApp account has had its identity verification check showing as pending since XX/XX/XXXX when I deposited {$25.00} in cash and converted it to XXXX. Ive made multiple chat requests to Cash App support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to escalate the issue but my identity check is still pending preventing me from sending the crypto I purchased in the account.
Consumer complaint received 2021-04-13
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: Experian Information Solutions Inc. (MO)

The following accounts are not mines, these accounts started to appear after my identity has been compromised. I'm demanding that these accounts not only be removed but blocked as well. The following accounts shall be removed XXXX. XXXX  XXXX XXXX {$15000.00} 2. XXXX {$3700.00} 3. XXXX {$10000.00}