davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Opened an online checking/savings account on XX/XX/XXXX with Citi bank for the promotion of {$400.00} if I maintain a combined balance of {$10000.00} for a three month period, AND an additional 30 days for the promotion to be transferred. I called back in XX/XX/XXXX to inquire when my promotion would be awarded and citibank told me it would be in by end of XX/XX/XXXX. 

I called back on XX/XX/XXXX and asked why I wasn't seeing a promotional balance when it has already been five months since I opened the account and maintained the balance. Citi bank opened a ticket/dispute, and said they would contact me within five days with a resolution. Five days passed and I called again and they said the ticket has no updates and that I should call again the next day if I don't hear back within the day. So I called again the next day and this time the representative told me I would need to wait three more days as that is the expected end time for the ticket to be resolved, which is different from what the other representative old me ( five days ). I asked if I could take out the funds because I needed it for emergency family use, but they said if I take out the funds before the promotional balance is given to me, I may be disqualified for the promotion. At this point, my {$10000.00} has been in Citi bank for more than 6 months and I am losing money by not being able to pull it out.

I searched online because I knew this was unfair business practices to see if other people had the same problem as me, not being able to claim their promotion. I found that this is a common practice, citibank puts in fine print about not being about to pull out funds until the promotional balance is given, but they don't give the promotion in the advertised timeframe of thirty days. 

I don't understand why they needed to create a ticket for my promotional balance when it should have been given to me in the first place. Because I made a mistake by keeping my promotional balance in my savings not checkings, I lost out on the promotional deal the first time back in XXXX, so this time I made sure I met all of the requirements and confirmed with the support team TWICE. 

I believe that Citi Bank is intentionally not providing promotional balances until customers call multiple times to get the money because Citi Bank is trying to take advantage of the money they have for the additional thirty+ days and capitalizing it while holding customers hostage to keeping their funds in their Citi account because we can not pull it out until the promotion is given. 

This is unfair practice and I believe they should be sued for this type of reoccurring practice.
Consumer complaint received 2020-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IN)

I want to use the app XXXX  to automatically withdraw money from my checking account in order to save it. Periodically, XXXX will withdraw small amounts of money from my checking account and place it in a savings account. Recently this has been blocked. I would like to unblock it so I can use XXXX.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Esser, James & Associates (AL)

I keep receiving multiple phone calls from this group at short intervals, very vague on details other than stating I have a legal complaint filed against me. They can " make '' it go away. I stated to stop calling me ... they call me more ... and stated to send letter stating details via USPS mail ... stated they dont work that way. They are also harassing my children via phone who live at different addresses. Stated they know my age and last XXXX digits of ss number.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (TX)

CBE Group dropped my credit rating XXXX points by reporting a debt that was not owed. They say I did not turn in cable equipment for XXXX  and it was turned in on time. I have the receipt for the return and the proof of the damage they inflicted on my credit report.
Consumer complaint received 2018-09-28
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: SYNCHRONY FINANCIAL (CA)

On XXXX, I applied for a mortgage and if this is not resolved, I will be declined due to an account misreporting on my credit report. 

Late last year, XXXX or XXXX of 2017, I paid off a Walmart charge card in full by contacting the creditor directly and making a payment with their representative. During this time, I had also purchased a new home and moved to a new address. I confirmed during over an hour long string of conversations with Synchrony Bank ( Walmart change card service provider ) that the creditor had received a US Postal return and that they never updated my account with the correct address to properly notify me of an amount due. I was never contacted via telephone or mail that there was a balance/charge on this account. The charge appears to be an annual service fee or some known charge based on the credit report I was able to review with my mortgage broker. My broker and I conferenced called the creditor at the number provided by the credit report : Walmart XXXX. We were then transferred and disconnected to another department XXXX. We were on the phone for over an hour, transferred to several representatives that continued to say sorry for their mistake, but could not resolve the issue. Then we were told to call the account resolution department at XXXX. This department then informed us that they no longer have access to the account and that we need to call XXXX XXXX at XXXX. 
The following morning, I called XXXX XXXX and was told it takes three days to " unlock '' the account so they can speak to me about it. 
Today, I called XXXX XXXX  and they confirmed they purchased the account on XX/XX/XXXX. They gave me a balance of {$57.00}, which I have decided to pay immediately as to not further damage my credit. XXXX XXXX  is not currently reporting the account as of the report pulled on XXXX.
Consumer complaint received 2020-07-14
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: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX  XXXX {$3500.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1600.00}
Consumer complaint received 2018-09-28
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. (KS)

On XX/XX/XXXX I sent a dispute letter to Equifax and XXXX  to delete an account on my credit report for XXXX XXXX collection for XXXX XXXX XXXX due to the fact that this debt was never owed by me and in fact I ended up having to take XXXX XXXX to small claims court because of this collection and the fact that they owed me money for improper charges for a move out of an apartment. I won that case # XXXX in XXXX XXXX KS on XX/XX/XXXX. The judge told XXXX XXXX the judgment against them was for {$490.00} plus court costs and fees and they were not to use this to offset what they claimed that I owed them as I owed them nothing. However, this is what they did. XXXX  XXXX originally posted the collection account on both Equifax and XXXX  in the amount of {$1400.00}. After the judgment, they changed the collection amount on Equifax and XXXX to {$880.00}. I sent Equifax and XXXX  all supporting documents from the court case and after my dispute was " investigated '' by Equifax they stated that the results were " we verified this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact ... '' with XXXX XXXX contact info. XXXX stated the results were " verified as accurate ''. Both credit reporting bureaus are still reporting this collection from XXXX XXXX. This collection account was updated by XXXX  XXXX on XXXX on XX/XX/XXXX and Equifax on XX/XX/XXXX.
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IN)

I have been trying to get this resolved with Navient and XXXX XXXX XXXX but no one is able to assist me. My credit report is reporting two derogatory items for the same exact loan and is a duplicate item. I have spoken to Navient who is sending me to The Department of Education, which is being handled by XXXX XXXX XXXX, and they are telling me they cant do anything I have to call Navient. When reaching out to Navient they are turning me to The Department of Education. Not to mention when I was trying to pay this debt off in 2017 I was told I had no other option but to pay a settled amount or not pay at all. I was only {$80.00} short of paying the full amount and was told I had to just settle for less or continue getting called every hour by the collection department.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

Complaint 1 : Currently Navient is showing 5 student loan for XXXX University as of XX/XX/XXXX. I attended XXXX University for only 2 weeks in XX/XX/XXXX and was assured the student loan received for that 1 class was returned to the lender in totality. I sent a letter to XXXX University making them aware of this issue with no reply, I sent a letter to Navient with no reply and this was after calling their customer service and complaining. 2nd complaint, Navient 's calculations of my student loans is incorrect, I was told by a Navient representative that entering an income based repayment plan would be the same as my regular payment and thus continue to decrease amount owed. This is not what is happening as my payment is driven off my income, which equates to less than regular payment and my balance continues to increase.
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (PA)

i left my card at a grocery store.the store threw it away or someone pick it up and threw it away .i reported to citi bank card abt the loss and to receive a new card.they refuse to send me the paper for the card/they lied they were sending the form.it been 3 weeks since I first ask.then 4 days ago another customer service said she be sending me the form for a new card..i said NO.they lied to me to begin with..they been sending me text to an old phone NOT my phone now.even tho I told them I have only ONE cell phone.they refuse to send the text to my phone.they refuse to close my account.
Consumer complaint received 2022-03-29
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: MUFG AMERICAS HOLDINGS CORPORATION (AL)

On XX/XX/XXXX XXXX fraudulently charged my credit card {$120.00}. I contacted my credit card company & asked that they reverse the charge on XX/XX/XXXX. To date no action has ever been taken by my credit card company to rectify the issue. Every time I have called I have been told there are zero updates on my case. It's been 5 weeks & I provided all of the necessary info. 
I returned a package to XXXX, and XXXX is claiming the package was not returned even though tracking proves it was returned & I have 2 emails from XXXX employees confirming the package was received. On my XXXX account page however the package showed as not being returned which is why I called XXXX to ask about that issue. They assured me I just needed to give it time to let the system update & the info would update on my account page. That never happened & instead XXXX charged me for the package that was returned.
Consumer complaint received 2020-12-08
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: EQUIFAX, INC. (KY)

XXXX XXXX [ CreditorName : XXXX XXXX  Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Consumer complaint received 2018-09-28
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. (IL)

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account is what is being reported : XXXX/XXXX  account XXXX.
Consumer complaint received 2018-09-28
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. (MA)

submitted evidence that they are reporting incorrect information on my XXXX accounts and they still found nothing wrong. Shows late payments when the account is under forbearance.
Consumer complaint received 2018-10-01
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: World Acceptance Corporation (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-09-28
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: Experian Information Solutions Inc. (TN)

I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX [ CreditorName : XXXX XXXX Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Consumer complaint received 2020-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CA)

I have no idea what theyre trying to collect but they call from multiple different numbers a day even after I told them to stop calling this number. Theyve also reported an account thats affecting my credit multiple times. Ive had it removed once and now it happened again.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

Experian reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with Experian since XXXX. Experian had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

I was contacted by a debt collector who said they sent a formal letter to an old address. I have not lived in that address nor do I own that house for over 6 years. I contacted transworld and my former employer multiple times but have yet to receive any documentation as to the debt owed, where to pay it, etc. I specifically requested a letter to be sent to my new residence on XXXX ( request to XXXX XXXX ) and XXXX ( request to Transworld ) and have not received it. I called Tansworld again today ( XXXX ) and they gave me the same speech ( they do not know when it will be sent out ) and then once I mentioned a lawyer, their connection became " unaudiable ''. I tried to call back 5 times and no one answered.
Consumer complaint received 2018-09-28
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: Experian Information Solutions Inc. (NC)

I am attaching a letter that my husband and I sent to XXXX and Experian on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to XXXX and Experian a couple weeks ago, and those letters have also been ignored.