davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

On XX/XX/2019 there was a fraudulent charge on my Citi Bank credit card for {$570.00} from XXXX. I did not notice the fraudulent charge on that day, and got no fraud alert from Citi Bank. On XX/XX/2019, I received a large box of energy bars from XXXX. I called XXXX to determine why they had sent me these bars. They stated that an order had been placed in my name, and using my credit card. I immediately called my credit card company and told them of this fraudulent card. They said they would open a fraud investigation and reverse the charge. They then closed my credit card and sent a new card. 

I called back XXXX and asked them if they wanted me to ship there bars back, thinking that they were also somehow a victim in this fraudulent charge, and they should get their bars back since the credit card company was reversing the charge. 

They emailed a shipping label, and I returned the energy bars to them. 

InXX/XX/XXXX, without any notification or attempt to contact me or determine if I really did receive the shipment or if I'd returned it, Citi Bank revered the {$570.00} credit to my card. Upon calling Citi after seeing this charge on my card, their rep stated that their fraud department had determined that I had received a shipment, and was therefore responsible for the charge. They demanded that I show proof that I returned the bars, and that they would investigate my claim to determine whether they would reverse the charge again. I stated that I did not place the order, and that had never contacted me about whether I had the product. They were very clear that the only determination as to whether I should be charged was whether I had received a shipment. After speaking with a rude customer service agent who could only tell me there was nothing she or I could do other than provide proof that the energy bars were shipped back, I asked to speak with a supervisor. The supervisor I spoke with was condescending, using a mocking tone of voice and seemed to take pleasure telling me that I had to provide proof or there was no recourse. 

This complaint is against both Citi Bank and XXXX. Citi Bank enables fraudulent companies to charge unwitting consumers large amounts by forcing the burden of proof on the victim. I have absolutely no recourse to recover this large amount of money without proof that I no longer have something that I did not want. Regardless of whether I had kept these bars, shipped them back, or threw them away, there was never any communication by Citi on their requirements as to what I needed to do so that I would not be charged. 

XXXX disputed the reversal and provided proof to Citi that they shipped these bars, even though I had sent them back. I believe this clearly shows that they are actively defrauding consumers by shipping these outrageously overpriced bars to stolen credit cards so that they can charge everyone who is not savvy enough to ship the bars back and keep the shipping information.
Consumer complaint received 2021-02-10
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: DISCOVER BANK (IL)

Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit scorXXXX. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.
Consumer complaint received 2017-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

I made my XXXX 2017 payment in XX/XX/XXXX. I noticed it never came out of my account so I contacted Discover Student Loans and was told by written correspondence and over the phone twice that my payment was not received and to check with my financial institution. I called in again and tried to make a payment over the phone, despite the fact that I was on hold for twenty minutes, Discover was unable to make the payment and told me to call later. I work and do n't have time for twenty minute calls like this. At the same time, Discover has taken away my ability to make on-line payments. I contacted Discover in writing again and again was told that the late payment was my fault and that my interest rate has gone up because of it and that on-time payment benefits have been cancelled. Now today, XX/XX/XXXX, the XX/XX/XXXX payment has finally come out of my checking account from two weeks ago and I called the number on the letter that Discover sent me and I was told that was the wrong number to call ( again ) and that the department that needed to help me was not available because I called too early. The letter did n't list a time to call. In fact, the letter says that help is available 24/7 but no one on the phone or on line has been able to help, everyone has insisted this is my fault even after they now have my money which proves I made the payment. It 's a lot of hassle and makes absolutely no sense. I do n't have time to call Discover all day long to try to resolve this.
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rothstein Acquisitions LLC (PA)

received call from XXXX XXXX who states he is a paralegal who is calling to get a statement from me, he stated I need to call before XXXX and that failure to call will result in lawsuit claim and possible civil action. He left a number of XXXX.
Consumer complaint received 2017-09-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After the fraud was uncovered at XXXX - it was recommended that we place a freeze on our credit reports with " the 3 '' bureaus. Well, it seems the bureaus do n't want this. Loss of revenue. XXXX indicates I must have had an account years ago. Unless I recall the sign-in I ca n't get into freeze. They offer no help in recalling password. AND will not permit a new account. XXXX just plain makes their web site inoperative. I need an answer now.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Debt Mediation, Inc. (NJ)

I sent letter to pay for delete, this is on going first I contacted XXXX XXXX XXXX XXXXXXXX they are no longer owned by XXXX XXXX. XXXX XXXX stated the debt was in the hands of professional debt management. I contacted professional debt management XXXX XXXX the president or whomever he is to the company stated in order to delete file from credit report, he needed to get approval from the Client, the client XXXX XXXX XXXX VP of operations stated they no longer owned the debt. Now the client has been sent the settlement letter of unfair practice because XXXX XXXX does not need approval from the Client to remove from file.
Consumer complaint received 2019-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

This is a follow up to complaint # XXXX. This collection agency continues to claim a debt is owed without furbishing any evidence whatsoever beyond just saying that the " debt is valid and has been verified ''. I owe do not owe any many whatsoever, and evidence of the debt and visit must be provided or the derogatory remark removed from my credit report.
Consumer complaint received 2021-04-01
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. (OK)

XXXX dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and Transunion to remove both invalid collections.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (CA)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

This is with regards to American Express Business Credit Cards that have misleading advertising and promotion marketing policies, and have customer service that has designed to not serve customers but to charge predatory interest rates to make account go into collection so they can charge more interest and fees. As an example, my account had a balance of less than $ 4K in balance and I had requested them to look into some disputed charges and to get rid of some fees. I have written evidence of submission of dispute requests and was promised customer service would take care of it. Customer service however did nothing for 9 months, all the while charging fees and interest, bringing account balance to over $ 9K and trying to bring account to collections. 

As an example, I was charged following predatory fees and interest after I was promised promotional interest rate of 0 % which was then arbitrarily removed.

XX/XX/XXXX : {$38.00} + {$220.00} XX/XX/XXXX : {$38.00} + {$210.00} XX/XX/XXXX: {$38.00} + {$230.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$180.00} + Reversal of {$1800.00} XX/XX/XXXX : {$38.00} + {$200.00} + Reversal of {$180.00} XX/XX/XXXX : {$39.00} + {$190.00} XX/XX/XXXX : {$39.00} + {$200.00} CFPB needs to take immediate action against such practices.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXXXXXX has violated my rights. 

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.
Consumer complaint received 2021-07-02
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: CITIBANK, N.A. (NY)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
4. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CT)

I keep receiving emails about a late payment, but I have an application pending for an income driven plan which has been pending since early XXXX. When I go to call to speak to someone it is impossible to get a live person. My current payment I can not afford and I don't want my payment owed to continue going up. I would love to have this resolved/payment paused until my plan is hopefully approved. I don't like to complain but I also do not want my credit score I worked very hard on to get ruined over this.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am undoubtedly a victim of XXXX XXXX " victim issue '' and have made an attempt directly via phone to have this corrected but was met with a customer service representative who refused to identify herself for reporting purposes and essentially denied consideration of deleting such fraudulent inquiries : XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Oil companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX. 
Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank issued me a credit card in XX/XX/2006 when I was XXXX XXXX XXXX. Pursuant to 15 USC 1637 ( c ) ( 8 ), Capital One Bank violated federal law as opening the card account was prohibited. I did not have a co-signer nor did I have any income as I was a full-time student. The address on the statement attached indicates it was mailed to a dorm room at XXXX University. 

( 8 ) Applications from underage consumers ( A ) Prohibition on issuance No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). 

( B ) Application requirements An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XXXX XXXX, XXXX I received an email from XXXX XXXX XXXX about how my employment has been recertified. On that same day, I receive a notice of my payment tracking and it says 0 payments have been counted towards my Public Service Loan Forgiveness from my past year of on time direct deposit payments. 

On XXXX XXXX, I received another XXXX XXXX XXXX email about my employment being recertified ( again ) and now instead of 0 payments counting towards my Public Service Loan Forgiveness, it says 2. Still, this sounds wrong as I have had direct deposit payments made every month for the past year with XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX to get an explanation as to why only 2 payments of the past year have qualified for Public Service Loan Forgiveness and I am told that it will take about 60 days for the request to review to go through. She informs me that payments do n't qualify if they are in forbearance or if I 'm late with my payments. She looks over my account and says it does n't appear that I had an issues ( no forbearance or late payments ) and the payments should be counted and reviewed in 60 days. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX as this is the end of the 60 days. I spoke with a representative and again he informs me that sometimes payment do n't qualify if they 're in forbearance or late. He checks my account and sees that all my payments are made on time and should count since nothing was marked on my account. As he checks my account he says it appears that 21 payments have been made towards my Public Service Loan Forgiveness and that I should hear back in the next few weeks with an updated qualifying payment email/letter sent to my account. 

On XXXX XXXX, I check my XXXX XXXX XXXX account to see if any of the payments went through and noticed that it still says 12 payments and nothing has changed. I called XXXX XXXX XXXX again asking about any updates for my payments towards Public Service Loan Forgiveness. The customer service representative told me she saw 22 qualifying payments were made and I told her that I was n't seeing the same information and it still only says 12 qualifying payments. She transfers me to someone else and this representative now informs me that I have been on a " rolling pay ahead '' program for the past year. None of the previous phone calls have ever indicated that I was in this program and my payments were being made on time every month. She informs me she will request my loans be transferred out of the pay ahead. She also informs me that she will put in a request to review all my payments from the past year and a half to be counted towards Public Service Loan Forgiveness. 

After 5 months of calling and waiting, and being told repeatedly that my account was fine, I have only now learned that I was on this rolling pay ahead program after a year and a half of payments.
Consumer complaint received 2021-07-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I hav this account that does not belong to me and i want it to be remove from my credit report in the 3 agencies asap.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.