davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Citi Bank fraudulently induced me into entering into a credit card with them when a customer service representative lied to me about an 18 month 0 % APR on all purchases. Then, when I brought this to Citi Bank 's attention, they closed my credit card account without my authorization. Both of these actions have caused me harm in the form of interest charges and hits to my credit score, when I could have gone with alternative products from alternative financial institutions. 

In XXXX of XXXX, I contacted Citi Bank via phone to close my AAdvatage  Citi Card due to horrendous customer service. Instead of closing the account, I was fraudulently induced into downgrading that card to a Citi Double Cash Card because I was promised a promotional APR of 0 % interest for 18 months on all purchases. I chose this card, over many others, exclusively because of this promotional 18 month APR. When I received my XX/XX/XXXX statement with an interest charge, I immediately contacted Citi Card. When I spoke with a Citi Card customer service representative, I was told that there was no 18 month promotional 0 % APR on all purchases, despite earlier promises to the contrary. I explained the fact that I had been promised one, they refused to honor the promise, and I then asked the customer service representative to explain options for closing the account. We ended the call without taking any further action. On XX/XX/XXXX, I logged into my account online and discovered that my credit card account had been closed. I, however, never authorized the closure of this account. That same day I contacted Citi Bank, where I was informed again that there was no promotional APR and that they would have to run a hard credit report in order to process a request to re-open the account. Because of my large outstanding balance resulting from large purchases I made because of the promise of a promotional APR, I had no choice but to acquiesce. 

Citi Card 's actions have caused me financial harm in the form of interest charges and credit score hits caused by the unnecessary pulling of a credit report for the reopening of an account that should have NEVER been closed. Citi Banks actions shock the conscience, from fraudulently inducing a customer to maintain an account with them to repeatedly lying so as not to honor promises they explicitly made.
Consumer complaint received 2017-12-15
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. (NY)

Very simply. Was charged for a service I never received from a company. Had to file a CFPB complaint to get Citi to take me seriously in the first place. 

The claim to have double credited my account 2+ months ago. Now they are saying I have to pay an extra {$100.00} because they made a mistake. I should not have to pay, months after the issue was dead and done because they made a mistake. 

Please not that attached file, shows the debit is going back to XXXX who I should not be paying since they did not deliver when I ordered from them. I am livid
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DC)

The Costco Anywhere Visa Card only allows redemptions of cash back rewards in store. This is very difficult during the COVID pandemic. They should allow an option to have the rewards credited to the account or to provide a gift card to Costco, for example. It should not be a requirement to physically go to a Costco to redeem, this puts peoples ' lives in danger in the current environment.
Consumer complaint received 2020-11-17
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: GOLDMAN SACHS BANK USA (NY)

Transaction for on XX/XX/20 XXXX XXXX in the amount of {$150.00}. Advised company transaction was not authorized. Representatives are extremely, rude, and unhelpful. Number called XXXX s/w XXXX at approx. XXXX XXXX  on XX/XX/20. Refused to provide a supervisor and the number to corporate.
Consumer complaint received 2017-02-10
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

I keep receiving mail and all correspondence from this agency claim that he purchase my mortgage from XXXX XXXX along with my United States XXXX on XXXX XXXX, 2017 XXXX XXXX left a letter envelope outside my door in this letter was advertising from Bayveiw Loan Service offering me to Cash for my Key to my house that withdrawal {$50000.00} from my pension to put the downpayment down stating that I Get cash to help you move to a new home accept this offer today. My pension was without and paid for me to move here why would this agency ask me to release my title of my home and all contents in the home to them for {$2000.00} is this legal please investigate this agency ensure that it legal to offer a home owner and all misconduct and mismanagement found all individual involved be convicted according to United States Federal Regulations
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (MI)

I reached out to this debt collector to ask for validation of debt they failed to provide it and insisted the debt belonged to me. I always had health insurance, they couldnt even show me a picture of my ID because I know for a fact they cant provide it because I never was seen in the XXXX. I filed a FTC complaint and they still refuse to remove this from my credit report.
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BAKER GOVERN & BAKER INC (FL)

I owe XXXX XXXX XXXX {$250.00}. 
Baker and Baker firm has been using illegal tactics for me to pay which at moment I can not pay due to virus and my other bills have accrued. I explained to Baker and Baker that I broke my shoulder in XXXX of 2019 and since then have had to deal with virus and basically have been out of work since XXXX of 2019. 
I have borrowed from XXXX  before and have intention to pay. Just do not have the money. 
I told Baker and Baker to stop emailing me because I am getting mail from another collection agency about this matter and will fix with them through XXXX. 
Baker and Baker is threatening me with jail time and return payment of {$4500.00} to handle this. 
This is bullying, intimidation and harassment. I have done nothing wrong I just currently can not pay with my current commitments and bills. How can this stop ot has my nerves shot. I have no time for jail or able to pay {$4500.00}. I have saved all of Baker and Baker emails
Consumer complaint received 2020-11-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (CA)

I contracted with XXXX through XXXX to have solar panels installed on my house in late XXXX. As part of the contract, XXXX subcontracted to have my electrical panel upgraded. After several months of dealing with incompetent work and safety hazards caused by the subcontractors, I canceled my contract with XXXX and XXXX. XXXX asked me to pay {$2700.00} for the electrical panel work, and I refused. Eventually, XXXX and I agreed in writing on XX/XX/XXXX, that XXXX would not continue to ask me to pay for their subcontractors ' faulty work and I would not pursue further damages against XXXX. XXXX failed to honor this agreement, and attempted to collect {$2700.00} from me beginning again in early XXXX. XXXX sent false information to Caine & Weiner, who have attempted to collect a false debt of {$2700.00} from me. A false record was added to my credit report in XX/XX/XXXX indicating that Caine & Weiner was trying to collect a debt on behalf of XXXX. I contacted XXXX to help resolve the issue with XXXX on XX/XX/XXXX. I was contacted by XXXX on XX/XX/XXXX. In that communication, XXXX XXXX of XXXX stated that XXXX had referred a debt of {$1300.00} to third-party collections because I had been credited 50 % of the charge of {$2700.00} on XX/XX/XXXX. After I reminded XXXX of the details of our agreement, XXXX XXXX of XXXX wrote to me on XX/XX/XXXX, indicating that I owed nothing to XXXX, collection efforts had been closed, and the negative record on my credit report had been removed. Despite this message, XXXX XXXX of Caine & Weiner contacted me on XX/XX/XXXX, and XX/XX/XXXX, attempting to collect {$2700.00} on behalf of XXXX. I contacted Caine & Weiner by phone on XX/XX/XXXX, and asked to speak with XXXX. I was advised Caine & Weiner may have recorded the call. The representative on the phone did not connect me to XXXX or provide information regarding Caine & Weiners attempts to collect from me except to say that they would contact XXXX and might get back to me.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

SUBJECT : Experian 's BLOCKING THE ACCESS TO INDIVIDUAL CREDIT REPORTS For the past few days, Experian is BLOCKING the ACCESS TO 1 ) MY INDIVIDUAL CREDIT REPORT ( S ) at FREE ANNUAL CREDIT REPORT.COM, OR 2 ) OR THROUGH A FREE 7 DAY TRIAL WITH {$24.00} CREDIT CARD DEPOSIT, OR 3 ) AT XXXX  3 AT 1 CREDIT REPORTS/PAYED SERVICE/S. 

I allege that EXPERIAN is willfully blocking the my credit report in order to hold a FALSE AND FRAUD, LOWER CREDIT SCORE of XXXX ( today, XX/XX/2021 my Experian Cr. score was XXXX XXXX, comparing to XXXX or XXXX ( my cr. score is XXXX, XX/XX/2021 ). 

THIS MUST BE FIXED IMMEDIATELY, and credit scores must not have such huge XXXX scores difference. This is damaging for my financial state and opportunities.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are 3 fraud inquiries on my TransUnion report. 

1. Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX  2. Inquiry Date : XX/XX/XXXX Name : XXXX XXXX 3. Inquiry Date : XX/XX/XXXX Name : XXXX XXXX There are 2 fraud inquiries on my XXXX report. 

1. Inquiry Date : XX/XX/XXXX Name : XXXXXXXX XXXX 2. Inquiry Date : XX/XX/XXXX Name : XXXX I want them removed immediately. Police report and Identity theft reports have been made. I have disputed these, they are not correct, and they are affecting my ability to get credit.
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I recently applied to a Chase Sapphire XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a 780 credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase Sapphire XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Consumer complaint received 2021-01-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

I am in a program that is helping Me get out of Debt and all but 1 Company keeps Calling Me Everyday 2-3 times a Day and is Calling My Employer I have told them I am getting things taken care of and They Continue to call everyday even when I'm already in Bed My Phone rings I am a XXXX  for My Employer and I get Phone Calls while I'm XXXX The Company Ithat is Helping Me told Me not to answer their calls My Wife Spoke to the person in the office of the Consumer and asked Her not to call She said She would Continue to Call
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

On XX/XX/24 I requested a refund for my paid-in-full loans over the phone with FedLoan for payments I made during the coronavirus pandemic, according to the CARES Act. I was originally told that I would see my balance reinstated in 7-10 business days. I called back a few days later to confirm my refund request had gone through and they updated my wait time for balance reinstatement to 30 days. I understood that they were overwhelmed with requests, so I did not complain. I called back about a week later and they now say it could take up to 6 months to see my balance reinstated. In order to apply for loan forgiveness, I need to submit my application by the end of next year and I am starting to worry that my wait time is increasing exponentially. Furthermore, on my most recent call with FedLoan they lied to me and said they were sure that paid-off loans would not qualify for the one-time loan forgiveness program. The Department of Education clarified a couple of days later that my loan would, in fact, qualify. FedLoan shouldn't be giving information to borrowers unless they are sure about the guidance they are interpreting.
Consumer complaint received 2021-08-22
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. (CA)

Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I deposited XXXX checks on XX/XX/2024 at XXXX Citibank Branch. XXXX  days later the checks where marked as fraudulent and I called them and they said the checks could not be verified. XXXX  days later they told me account was to be closed. It was a cashiers check for XXXX another for XXXX and a regular personal check of XXXX. Citibank is holding that money for no reason. Both banks have said the checks have cleared and don't understand why citibank is holding the funds. I have gone to the branch over XXXX times and still no answer from anyone.
Consumer complaint received 2021-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (CO)

I was sold a truck illegally its been welded on the frames the welds are rusted and shifting on the frame, the first day I got it the differential broke so I had them fix it and they told me there was nothing else wrong with the vehicle. Got it back my headlights never worked only the highbeams, the clocking in the steering column never worked the a arm was also welded crooked onto the frame illegally, The swaybar links were bent so when we put new ones on the whole front end popped off and we had to put the bent ones back on, found out that the truck was dog walking meaning the frame is twisted, go to a mechanic who then put it on a highlift said that the truck was definitely in an accident and it was never reported Ive got pictures and paperwork from the mechanic end it says that its been in an accident. I get more than eight calls a day from their loan sharks, I went down to Arizona from Colorado to try trade in the truck and the guy at the dealership laughed at me in the face and said that I am liable for everything and Still try to sell me another lemon off of his lot. The check engine light came on two weeks after I got the truck back, hes also not willing to fix the truck as well. I asked them if they can just take the truck back because I didnt want it anymore and I wasnt going to pay for it anymore and they told me that it doesnt matter that they were going to still hold me liable for whatever the truck is worth after an auction. But that they were going to put the truck back on the street its going to kill someone because it is illegally welded on the frame it should be in a junkyard!!! 
Hurt my credit, Lied about the price, Bogus or hidden charges, Low quality product, Collections issues, Bad customer support, Robocalls, Won't let me cancel
Consumer complaint received 2021-05-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I logged into the netcredit.com webpage to process my payment earlier than the due date, on XX/XX/XXXX. I scheduled a single payment with the company, and they processed that payment two times. I saw this on Saturday morning and reached out to the company and was on hold for over 40 minutes and then I was disconnected. When I attempted to call back it was no longer during their business hours.. this caused a financial impact to my personal bank account as I was not prepared to make a double payment nor did I request it. Company is not able to be reached by phone
Consumer complaint received 2022-09-16
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX XXXX  XXXX. My disputed account reporting on my XXXX, XXXX and TransUnion Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND CREDIT MANAGEM is reporting that I have XXXX accounts with them. They have reported over XXXX  months of late or missed payments yet the reporting is recent. Meaning all those past months were not on my credit report until recently. I dont have an exact time frame but its reporting like I have been with them and late going on XXXX years from what from my credit report. I NEVER had an account of any source with them, they do not have any signatures, Ive never provided them with my personal information to even apply for credit or anything with them. They have no evidence that I opened any accounts with them for credit or anything of the such because I have never provided it to them or applied with them. Ever. Im not even aware of what type of business they do. Ive never spoken or done business with them so I am concerned they are on my credit report appearing to report monthly. Ive never heard of them until I saw them on my credit report. Ive disputed it with the XXXX credit agencies and all but XXXX removed them. Today I filed a fraud report regarding this company with XXXX which a live agent advised me to do. She also referred me to this site to also file a fraud report on MIDLAND CREDIT MANAGEM regarding the XXXX accounts they have on my credit report. I am legally XXXX and this is greatly affecting my credit lines and score. Again, I have never done any business with this company in any capacity. They have never been an original or any other type of creditor of mine. Not only is it a fraudulent account but they are reporting on it monthly like its an open account!
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.