davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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. (TX)

I resigned from XXXX XXXX on XXXX and shredded my XXXX XXXX Credit Card at that time per XXXX HR request. The card had a credit balance of {$1600.00} upon my exit. 

XXXX activity occurred on the account after my employment end date, and I was unaware until I received a letter from Citibank dated XX/XX/2020 regarding a delinquent Citibank Corporate Credit Card and that my charging privileges on the Citibank Corporate Card had been suspended due to non-payment and if payment for delinquent amount was not sent immediately, my account would be permanently closed. 

XXXX, I spoke with Citibank and the representative helped me obtain access to the account, so I could see the post-employment activity. I have had conversations with 4 different Citibank representatives over the month of XXXX. I have also emailed XXXX database administrator CitibankCards_US@INCRearch.com per advice from Citibank to try to resolve the situation and emailed XXXX  Human Resources from the XXXX Website and to reinforce the need to resolve before the account goes to collections, plus late payment fees are a continued risk. 

The account activity that occurred is summarized below : XXXX, My employment end date and credit balance {$1600.00} left on card XXXX, XXXX requested Citibank to send the {$1600.00} credit balance refund to XXXX and the account went to {$0.00} balance. 
XXXX, XXXX requested Citibank send a second {$1600.00} credit balance refund to XXXX and the account went to a debit amount of - {$1600.00}. I was unaware of this activity on the account until I received the Citibank letter on XXXX. 
XXXX Late Payment fee charge of {$41.00} brought the debit balance to {$1700.00} XXXX Late payment fee change of {$41.00} brought the debit balance to {$1700.00} On XXXX, the XXXX Human Resource department forwarded my email to my previous XXXX Department Director and to the XXXX XXXX Credit Card Finance Team. I have not received further correspondence. 
I have been on recorded calls with Citibank, and I asked Citibank why they gave the second draw of {$1600.00} to XXXX when the account was in {$0.00} balance, and they indicated they just give the amount in response to XXXX '' requests. They also acknowledged that they could see these were not charges, but a credit balance on the card. I asked them not to allow any further withdraws to the account. They informed me I am responsible for the account and it will affect my credit in approximately 60 days, so I needed to resolve with XXXX as soon as possible. 

Please advise of my rights as this activity occurred post-employment and by XXXX request without my awareness. Further, Citibank made a duplicate withdrawal of funds at the request of XXXX that created the negative balance on the account and the late fees. 

Thank you for this review of the matter.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO EQUIFAX CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.
Consumer complaint received 2016-09-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have been the ongoing victum of account minipulation, and excessive overdraft fee 's. Recently Citizens bank charged me an extra fee, for no traceable reason, and was hesitant to rebate the funds back. Citizens only allows one rebate per year, even if the fee was wrongfully issued to the account. I then spoke with XXXX, the supervisor for the call center, and after much debate was rebated back the fee. XXXX was not willing to work with me on any other fee 's incurred over the past year, despite my awareness of account minpulation. I have paid over a XXXX dollars this year, aswell as last year, in overdraft fee 's. I am opted out of overdraft protection, so the banks minpulates my account, in efforts to collect a fee through preauthorized debates, and checks. The bank does not give me continuous accurate account updates, and the bank will hold items for long periods of time before clearing them. The bank also states that they subtract items from highest amount to lowest, but this is not reflected on my account. Each time i speak with a call center representative, they seem to have a different set of posting rules to suit there fee 's. In short, anytime my account is low, or if i write multiple checks, the bank will find a way to post fee 's.
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliance One, Inc. (NY)

Alliance One has sent me a statement with the threat of a lawsuit on a parking ticket dated XXXX/XXXX/2009. the collection agency also is threatening to execute on a judgment on a matter which has not been litigated ( falsely insinuating that a suit has been instituted ). Alliance One also is displaying on their correspondence that I am employed, falsely insinuating that a income excution and garnishment will be issued. the outstanding debt refers to parking tickets, however, the collection agency has placed a negative item on my credit reports, therefore creating irreparable damage to my credit rating.
Consumer complaint received 2023-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I sent my servicer a QWR only to have them disqualify it as a QWR. Qualified Written Request, No matter the title I still have a right to get my answers, in the proper format, the questions were only about my loan pertaining to my home, I did not ask any other questions that they couldn't answer. As part of the qwr I asked for a " certified " copy of the note, assignments and deed of trust, they didn't even follow those simple request, nor answer the questions at hand. I believe the reason is they don't possess those documents sense they are not in the capcity they claim to be, none of the documents that they may have are ligitamate the assignments are incrrect, the notary dates are not the same, when recorded at the county recorders there is no book # or page # its recorded book XXXX XXXX XXXX that is incorrect, there is an assignment from XXXX XXXX XXXX XXXX XXXX  which I don't see how it can be valid the original lender had went out of business months before the date of the assignment, so how can XXXX  be a nominee for some one that no longer exist? At the time of XXXX XXXX XXXX XXXX raid by the FBI those loans should of been re-written and not sold in bulk, qll in all I am quite sure that Carrington Mortgage services does not own my loan as they say they do and I have the right to get answers from my letter that was sent to them and they should follow the criteria set forth in the letter, anyone can forge XXXX digital copy of documents. I have attached what I could the other docs exceed the XXXX mbs limit, they ae available
Consumer complaint received 2022-09-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I have filed disputes beginning first week of XXXX with all three major credit bureaus as well as contacted the lender Credit Acceptance Corporation to no avail. All disputes were closed and the lender verified the incorrect data again after paying them over XXXX  dollars in one month to double up and pay my loan off early. I have reopened disputes again as well as shown documentation to the Credit agencies as well as opened complaints with this agency now on file as well. The loan company 's response is to put me on hold or hang up on me once denying my claim and asking for a supervisor. Never ever again will I do business with Credit Acceptance Corporation and this is a very hard loan that is designed for failure from the start your paying three times the amount of the vehicle after a 6 year term. I just got out from being triple upside down on the loan and they refuse to acknowledge my greatness at beating them at there game.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

i have never been late with any cards since i was XXXX this 1 late payment dropped my credit score XXXX pts and that isnt correct. My credit was XXXX and now reporting XXXX.
Consumer complaint received 2022-02-14
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: CITIBANK, N.A. (TN)

I am a victim of identity theft. I received notice from a creditor that someone had attempted to open an account in my name and they blocked it due to suspected fraud. I checked my credit report and found an additional inquiry from XXXX  CBNA which was not authorized by me. I did not request credit with XXXX  nor have I ever. I have never done any business with XXXX/Citibank and have never planned to. This inquiry lowered my credit score and is having a negative effect on my financials. I contacted the credit bureau directly and was told to contact XXXX/CBNA to get the inquiry removed.
Consumer complaint received 2022-02-14
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: Federal Adjustment Bureau, Inc. (OH)

i was told i was getting paperwork to fill out and never received the documents. this is not my debt and i never lived at the property in question. i was a victim of identity theft, some unknown person rented an apartment without me knowing. and without my permission.
Consumer complaint received 2020-10-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CMG MORTGAGE, INC (TN)

/The buyers of our home is using CMG Mortgage as their lender. The loan was scheduled to close on XX/XX/20 but the lender had not scheduled the appraisal until XX/XX/20 so they asked for an extension to XX/XX/20. On XX/XX/XXXX they claimed that the loan officer hadn't reviewed all the borrowers ' financial information and asked for extension to XX/XX/20 On that date they claimed to still be reviewing the documents and asked for an additional extension to XX/XX/20. On XX/XX/XXXX the claim was that one document ( disclosure ) hadn't been signed and they needed three extra days. It is now XX/XX/XXXX and now the Mortgage Co. does not respond to calls. 
I don't understand this as I have moved out of my house and am living in a hotel. HELP!!
Consumer complaint received 2020-05-27
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. (FL)

I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police report.
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (VA)

After our contract expired, we ended our services with Direct TV. They closed our account and sent us a refund check for services paid in advance..A while after they continued to contact us with a payment expected. How can they determine that we owe them money when they sent us a refund check after closing the account? Please help us with this frustrating issue. Thank you.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (OH)

I was part of the government Foreclosure Prevent effort program. That had helped me to protect my home from foreclose. The agreement was to maintain and work towards saving home as my home receive mortgage assistant. As of XX/XX/2016 the program was expiring, they sent a letter for me to take action as the day approach. I was giving XXXX options to prepare. I did all that was listed in the letter, however my mortgage company have been to given me a hard time and denied my twice, I appealed and have been continue to follow the compliance in which I was told to do so. The Mortgage Company failed to make any real helping progress and help me as a mortgagor. They receive all payments from the program on time and on several occasions they fail to keep my account up to date and let me know when changes was being made, when it came down thing I had approve like taxes insurance. I called on occasion. I took local action to assist with my mortgage and making it affordable for me. Because the interest was adjusted it from the mortgage prevent program, it impossible to refinance for repairs, or make it impossible to even if I wanted to sale property due to overwhelm principle being too much the home have no value. I express my concern to the mortgage company and I was still hit with intend to foreclose. It 's as I am being bully from a company that have no intent to save a dream only to profit. It is as if they knew the downfall. When I request for more detail regarding decline decision I was told they ca n't discuss the decision the investor makes. In mu process I had, request for a principle reduction, due to homes in neighborhood being miscalculated of value that create a disadvantage for my home the marketing for true value. The mortgage company knows that my neighborhood was doom for deprecation from wrongfully value from day of my purchase. I ask for guidance and help. 
Thank you
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (NM)

On the date of XX/XX/2022 i was looking into a personal loan came across world acceptant finance i put in a allocation online was called at XXXX XXXX by XXXX i was asked if i was looking into a loan of XXXX i said yes and she asked if i wanted to proceed with application i asked is there a hard credit pull cause if there is don't do it i won't be approved if it's a soft credit pull then yes i wan na proceed she said no it's only if we run your credit two time i asked if she was sure i was in the process of repairing my credit don't want hard inquiry she assured me there wasn't as soon as we got off the phone i got a email of a hard credit check tried calling back no answer went to the office asked them to remove i did not authorize if it was gon na be a hard credit inquiry i spoke with the manager her name was XXXX XXXX she stated there branch manager would call me never got them to removed
Consumer complaint received 2022-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (MD)

My main complaint about PNC is that their system has a closing date for my recent Home Equity Line of Credit Loan as XX/XX/2021. They set my first payment due on XX/XX/2021, even though I've never had a loan due the month after closing. They are saying that only first mortgages require this waiting period. Is that true? 

The closing document has " XXXX XXXX Date : XXXX '' but no month.
Consumer complaint received 2015-10-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (VA)

Sam 's Club Credit does not provide a reasonable electronic statement that reflects all of the information provided on a paper statement. When enrolled in electronic statements this is information that is no longer available unless it is requested from customer service ; a paper statement is then generated and mailed to the address on file. Most banking and credit institutions provide a way to view electronic representations of the exact statement that would be mailed.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account.

Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Denied account with bonus offer. 
1. I responded to Wells Fargo 's {$250.00} bonus offer ( XXXX ) requiring an online application ONLY. 2. I submitted the very simple application and got immediate emails saying to wait a few days for a mailed-in packet, etc. I was provided an application reference number and the steps and timetable for the bonus. [ 3. The application included a question about a family address literally from the 1970s. ] 4. Later I received an email saying, oops sorry, but please go into a branch to " verify '' information. 5. I went into a branch and was NOT successful in completing the account despite the reps Best efforts, no explanation, except she stated than an account " XXXX '' could n't be verified. I 've never heard of an account or company with the initials XXXX. 6. The banker claimed to be unable to provide further details. 7. 8. The banker also stated that I would NOT be eligible for the bonus, as had told her that when I attempted to redo the application the Page is Not Found. 9. I used my XXXX account to fund the opening of {$50.00}, and it was not subtracted from my account. 
10. I am well aware of Wells Fargo 's extreme practices and discrimination, but I chose to go for the bonus anyway, as is my normal practice. My accounts are clean. My debts is XXXX. My credit score is excellent. So I am very interested to see their explanation for denial of services. Thank you very much.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (AL)

XXXX  put my account into collections after I was forced to close the account due to multiple billing errors and service issues. Was told several times remaining amount {$88.00} would be waived due to inconvenience and in show of good faith. Then after finding out later that indeed had not taken place and account was now in collections I called several times to try to resolve this with customer care but was told it was out of their hands. Then after a period of time interest occurred resulting in current amounted. My credit was completely ruined by this error and I am highly upset by the broken promise.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CT)

I sent a notice of dispute to Experian about an incorrect " Date opened '' for my XXXX XXXX XXXX account reported by them on my credit report. They report a date of " XXXX XXXX ''. This is not correct. That is the date the account was sold to XXXX XXXX XXXX. by XXXX XXXX XXXX. This account was originally opened prior to XXXX with XXXX which sold the account to XXXX XXXX XXXX. I sent Experian indisputable written proof that the account was opened prior to XXXX. I sent them XXXX account statements, letters regarding the change of ownership of the account to XXXX XXXX XXXX, and the actual affidavit of sale of the account from XXXX XXXX XXXX to XXXX XXXX XXXX. They contacted XXXX XXXX XXXX who apparently is not aware that the account was originally opened with XXXX. Experian and XXXX XXXX XXXX are " re-aging '' my account much to my detriment. This is not legal under the terms of the Fair Credit Reporting Act. Only accurate information is allowed to be reported. Experian chose to ignore my written evidence regarding the age of the account and instead relied on the incomplete and/or inaccurate records of XXXX XXXX XXXX which apparently does not have the whole history of the account. Experian is also incorrectly reporting " XXXX XXXX XXXX '' as the original creditor when in fact the original creditor was XXXX. I keep meticulous records of my accounts and I know when the account was opened and with whom it was opened. 

Experian is continuing to report the incorrect " Date opened '' of XXXX XXXX and the incorrect original creditor of " XXXX XXXX XXXX ''. I have attached evidence proving my case.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (KS)

I have tried over the course of the last 3 months to apply for forbearance, but they have made claims that they can no longer allow that. They have also hiked the intrest rate 2.4 % over XXXX prior intrest rate.