davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CT)

Westlake Financial Services repossessed my vehicle after being late despite the fact that I set up a payment plan with them. After I paid their requested amount to redeem my vehicle they slapped me with repossession fees twice that doubled the remaining loan amount I had left to pay. They refused to give me a breakdown of what those fees entailed and if I had been charged twice for XXXX repo. They were so mean to me saying " you got yourself into this so just pay what we bill you ''. Despite the fact that they treated me like a criminal or savage for falling on hard times, I still manage to pay off the entire loan including those fees. For the longest, they kept reporting the loan as open and delinquent. It took months of calling to get them to finally report the loan as paid off. Now two years later my nightmare with this company has returned as they 've reported " no data '' for more than a year then reported it as a collection as of XX/XX/XXXX with no further data. This company is the WORST to deal with as they are disrespectful, inconsistent, and dishonest. I fought for an entire year just to get them to issue me a statement that the account was fully paid in 2014. When I called a few weeks ago to dispute the innaccurate information they reported to XXXX the man said " we 're actually doing you a favor since its better than what we were previously reporting. I have written proof from this company that the loan was paid in full XX/XX/XXXX. Because of their inaccurate reporting I am unable to attain credit. I have been disputing this with the company as well as the credit bureaus time and time again and no one is helping me. Since they can not report truthfully they should remove the trade line entirely.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

On XX/XX/XXXX, a woman called me, claiming to be from a mediation department. She stated I owed some credit card company money, that payments had stopped as of XXXX. She also stated that they sent notices to me at a post office box I once rented in another state but had stopped renting that postal box in XXXX, the year I moved to another state. When I asked when this credit card was taken out, she stated " XXXX. '' I had established residency in a different state in late XXXX, so why would I utilize an old postal box address in another state? She told me that the initial debt amount, as of XXXX, was {$770.00} and change, and with the interest and late fees added on, it was now, in XXXX, up to {$1300.00}. That doesn't make any sense because the interest rate would have made this balance a lot higher. This debt has never been on my credit report, so if I had truly taken out this card, charged on it, and made payments, the debt would be on my credit report from XXXX on. The really scary thing is she had the last XXXX digits of my social security number. The phone number that came up on my caller ID was XXXX, which when XXXX, is for a dentist in Wisconsin. She refused to tell me her name or the company she worked for, and she claimed that in addition to the debt, it would cost me {$1500.00} for an attorney- how the heck would she know what an attorney would cost in my state? The supposed credit card company was HSBC.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (WA)

XXXX XXXX  XXXX and XXXX bank is reporting to several credit monitoring companies and a company called Early Warning LLC that I had an account with them. I have repeatedly contacted them asking for the documents that would verify that I opened the accounts and time and time again have been denied. I have given then police reports stating that I was a victim of identity theft and they have yet to remove the information.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED THAT I HAD A LOT OF UNAUTHORIZED INQUIRIES REPORTING. I REACHED OUT TO THE CREDIT BUREAU AND HAVE NOT RECEIVED A RESPONSE.
Consumer complaint received 2023-08-16
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)

REMOVE ALL ID THEFT VICTIMS : ALL NOT MINE : FCRA VIOLATIONS : SEE BELOW XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AR)

I am in XXXX health and just had a XXXX. I am on XXXX and that is my only income. There was no possible way to pay for the home so we have been working with the mortgage company, Citi Mortgage, for over XXXX months. We were told if the home was on the market for XXXX months we could do give them the dead and walk away because of what they called hardship. I have sent in paperwork over XXXX to XXXX times and each time they let it expire before they look at it and demand it all over again. Each time the correct paper work is sent in, checked and verified, then left to expire again. We have to set up appointments each and every time just to speak to the woman who is to help us and every time she has no idea what we are talking about and we have to explain the same thing over and over. Now the home is going into foreclosure and they still act like they know nothing about the paperwork we send in over and over. I am afraid my home will go into foreclosure with out them even trying to work with us. I have XXXX to live on and with the XXXX taking every penny I have just to live, I can not afford to hire an attorney. Is there anything that can be done just to get them to hear my side and get this taken care of. I have done everything they ask of me, but they just put it off and act like they want only to foreclose.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I reserved a rental car through XXXX. When I arrived at my destination and presented license, credit card AND proof of full coverage insurance, the rental car company demanded that I purchase their insurance. I refused and requested a refund. They told me to request from XXXX. 
I was unable to contact XXXX via telephone, so I opened a dispute with DiscoverCard.

Apparently, neither DiscoverCard nor XXXX is willing to resolve this issue in my favor. 

This is theft and I will also be reporting to the FBI. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-06-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I enrolled for a Citi Gold-XXXX miles reward program, was accepted, confirmed my acceptance and confirmed my fulfillment of requirements to earn the bonus miles with Bank 's customer service several times, they even told me the date the bonus miles would arrive. 
After that date, I inquired as to why the miles never showed up, the bank " launched an investigation '' and 2 months ( of collecting {$30.00} service fees while they looked ) later, they sent me a letter denying me on the grounds stating that I never enrolled for the rewards program, and when I provided the information on how I enrolled ( including the promotion code ) they stated that campaign was targeted and did not apply to me. EVEN THOUGH they accepted me, reiterated the requirements and repeatedly told me on the phone that I was enrolled and the miles would come. 

The bank is basically trying to deny me the miles and scam me for {$90.00} in account service fees for the account knowing they were never going to give them to me in the first place. I would like them to honor this agreement and grant me the miles.
Consumer complaint received 2022-09-06
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)

There is a fraudulent transaction on my account posted on XX/XX/2022 for XXXX XXXX XXXX CA amount of {$100.00}. I have spoke to the fraud department several times regarding the transaction. And yet, nothing has been solved and been going on for weeks. Transaction still appears on my credit card statement as of today, charging me something I did not authorize. I have considered filing a Police Report regarding this incident, labeling it as Identity Theft because this is where this case is leading up. 

This no doubt is fraud because this was something that happened without me being aware. I am frustrated and unhappy with the poor customer service I have received from Citibank regarding this incident.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (MN)

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 742.15 % " MyFundingChoices.Com Blackhawk Finl '' XXXX created on XX/XX/XXXX XXXX XXXX ( Current ) Finance Charge {$700.00} Amount Financed {$1700.00} Total of Payments {$2400.00} Disbursement Date : XX/XX/XXXX ( on or about ) Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Black Hawk Financial dba MyFundingChoices.com XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FinCo Services Inc DBA Current (AZ)

Current Bank. I have a balance on my card. I can't withdraw money from the card at the ATM. Customer service just XXXX me around. What happened with former balances on my card account? I'm tired of living broke. I'm tired of disappearing money. People steal. This isn't an airtight game here. Why does Current play along with it? I'll send reciepts I've had way more than {$300.00} missing from my Current account.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NY)

Please note that I have been a Citi gold client for decades prior to this. On XX/XX/XXXX, Citibank advised me, via a letter, that all my bank and investment accounts were being cancelled. No reason was given and subsequent phone calls either went unanswered or to an employee that could provide no information. I also went to my bank branch and dealt with my client services manager who told me that this has been a " wholesale purging '' of clients and that it was way above the bank 's ability to intervene or gain information on this dilemma. Within days, I responded to XXXX XXXX XXXX, who initiated transfer of my assets regarding savings, checking and my multiple investments. Citibank actually had the gall to charge me for these forced transfers ( {$75.00} each ). I left for an overseas vacation shortly after XXXX XXXX XXXX, returning on XX/XX/XXXX. Shortly thereafter, I was advised, via letter, that my XXXX credit cards with Citibank have also been cancelled. Please note, once again, no reason was given, despite my meticulous record of payments for years with them. In their short notice, I was told I may write to receive a specific statement of reasons why my account was closed. Furthermore, {$77.00} in earned Dividend dollars and XXXX in THANK YOU points ( value {$260.00} ) will not be returned to me. My third Citibank card, an L.L. Bean Mastercard, despite being cancelled, offered 30 days to use my points ( XXXX {$0.00} XXXX ). As instructed, I immediately sent a letter to the Citibank address on these letters. I received three responses this week, each saying practically nothing regarding reasons or answering why they were keeping a total of {$340.00} of money that I earned on the two above mentioned cards. I violated no terms on either of these credit cards.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

ON XX/XX/2022, XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX  REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX  NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY EQUIFAX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2019-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX, as an accomplice employed on the behalf of CAPITAL ONE FINANCIAL CORPORATION and the CAPITAL ONE FINANCIAL CORPORATION and CAPITAL ONE LLC and all CAPITAL ONE subsidiaries contracted with the parent corporation for the violation of Title III American Disabilities Act also known as ADA after repeated warnings and a cease and desist communication in XX/XX/2018 the CAPITAL ONE FINANCIAL CORPORATION has violated the ADA and the offenders are subject to {$50000.00} penalty for the first offense and a {$100000.00} penalty for the second therein and CAPITAL ONE FINANCIAL CORPORATION and XXXX XXXX have egregiously violated my rights with the perjury claim document provided for the false security alert claim as they have block access to the account strategically and precisely to cause and or generate and charge additional fees for the credit card accounts in which they have no record to provide as to how the accounts were actually created and or refusing to disclose the corresponding entries for the bank book ledger and the document contract with their signature
Consumer complaint received 2019-02-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Credit Corporation (TX)

Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports. In the original response it stated I didn't pay my installment plan as promised. I found my bank statements showing that I actually paid up until XX/XX/2018. I have included the bank statements.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$4000.00}
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TX)

Cedars Business Services , LLC from XXXX, California, sent me a collections letter for an account I do not own. I have never lived in California and never signed with XXXX  for any accounts. I have a XXXX XXXX Account prior to the merger with XXXX  and that account number is totally different and paid in full monthly.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NY)

Recently my available credit limit was {$400.00}. Due to the recent heat wave, I was waiting until the weekend for a sale to purchase an air conditioner for my elderly mother whose central air conditioner has ceased working. As I was in route to Home Depot, I contacted the credit department to ask for an increase since I may have needed additional funding to cover the purchase. I felt extremely confident in this request since previously Home Depot credit department has constantly harassed me with numerous phone calls even when I made payment arrangements to make payments that were financially impossible to do, I made them anyway. During the phone call I was told that my available credit was decreased and that I would be receiving a letter in the mail shortly explaining that it was due to my credit score and not with making my payments as I was told to. This situation was unwarranted since I made my payments when Home Depot requested and I thought that that was the reason why I had {$400.00} available credit.
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (WA)

My home mortgage was originated by XXXX Bank with a second mortgage down payment assistance bond through the XXXX. The first payment on my loan was due on XXXX/XXXX/16. I have made my payments from XXXX/XXXX/16 through XXXX/XXXX/16 to XXXX as that is the company I believed owned my loan. I am now receiving statements and late notices from a company named XXXX who state they now service and own my loan on behalf of the XXXX. 
I have spoken with both XXXX and XXXX in regards to my problem and they both state that they still own the loan and the servicing rights. Both companies are also reporting my home loan on my credit report. XXXX is reporting me as current and XXXX is reporting me as delinquent. 
I would like to file a complaint to help resolve the true issue of who owns my loan at this time and who I should be making my payments too. I would also like for my credit reporting to be corrected to assure that my mortgage only shows XXXX time and that it reflects that I am current on all of my payments.
Consumer complaint received 2022-08-09
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. (TX)

Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out XXXX, Experian & XXXX but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( XXXX, Experian XXXX XXXX ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one com pany. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry,  Negligent, Defamation, Please advise me on this matter..      Sincerely  XXXX   XXXX
Consumer complaint received 2016-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX PA XXXX PRODUCED A PRIVATE LOAN FROM 20 YEARS AGO AND DEFAU ; LTED ME CAUSING BAD CREDIT