davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I received my first statement after the due date. Upon receipt, I paid the account in full, however did not call Citbank prior to a second statement being generated. The second statement had late charges for both the first payment due XX/XX/XXXX as well as XX/XX/XXXX. I made no payment on or prior to XX/XX/XXXX as in my mind I had paid the card in full and didn't open the statement until a later date. Once I finally did open the statement, I learned of the charges and contacted Citibank immediately. The initial representative was able to reverse the second set of late charges, but indicated she could not do anything about the initial late charged. I asked who do I need to speak to to have the charged reversed, she indicated a supervisor. Transferred to supervisor, no avail. I further escalated to the another supervisor who indicated she could not do anything either, but would review the call to see if the initial representative misinformed me. 

The supervisor contacted me back and by her own admission indicated that the original representative should have informed me that no supervisor could remove the initial late charge, however because that rep didn't specifically state that they would remove them, there was no error on Citibank 's part. They will not remove the initial late fee which no amounts to approximately 60.8 % of the actual balance that was on the card and paid in full as soon as I received the statement. I was told that if they removed the original late fee, it would demonstrate preferential to me. 

I find Citibank 's lack of willingness to work with me over something that is clearly not my fault ( nor their 's ) appalling. To charge a customer such a fee because mail was delayed is ridiculous.
Consumer complaint received 2020-10-15
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. (TX)

I was a victim of ID Theft and someone made several attempts to acquire credit in my name. I have reported the issue to Equifax on XX/XX/2020 via phone and XX/XX/2020 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Corporation (SC)

I pulled my credit report and found this company listed as a collection. I am unaware of any collection. I was not sent any notification of this debt. I tried to call the number on my credit report numerous time and get a recording. I am not a will not provide any of my personal information on the phone due to there being so many scams in the world. It states the first delinquency of this account was XX/XX/2020 and my bankruptcy was XXXX XX/XX/2020. I currently should not have any debt and have accumulated any new debt. Please help
Consumer complaint received 2020-07-20
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. (MO)

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing Experian, XXXX  & XXXX are still reporting the fraudulent accounts.
Consumer complaint received 2020-07-20
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. (VA)

name address and account numbers all not mine listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX  XXXX XXXX  XXXX XXXX, VA XXXX XXXX  XXXX  XXXX XXXX XXXX # XXXX  XXXX, VA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, VA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY show tooltip button XXXX  XXXXDispute XXXX   XXXX XXXX  XXXXDispute XXXX  XXXX XXXXUnder Dispute XXXX  XXXX XXXXDispute XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf of XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX Auto loan on behalf XXXX  XXXX XXXX XXXX OF XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online Soft Inquiries Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting peri
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Windham Professionals, Inc. ()

I was told that after ten months of making payment toward my student loan, I will be eligible again for federal student aid to attend college. 
Well, I reapplied this year and am still getting the same " The National Student Loan Data System ( NSLDS ) indicates that you are in DEFAULT on one or more federal student loans. You are not eligible to receive any federal student aid until you resolve any loan default ( s ). '' Please see attachments. 

Note : I am in the country of XXXX XXXX but I selected XXXX ( the closest country to mine ) because my country is not listed among the countries to choose from. Thanks.
Consumer complaint received 2020-10-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I sent a letter to Experian regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted immediately.
Consumer complaint received 2016-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (CA)

I have so far received 3 phone calls at my work from " GC Services '' while the numbers have been different each time the latest number they called me on was " XXXX ''. Every number has been a XXXX XXXX area code. Every call has been asking to verify my name. I do NOT owe any money or have had any traffic violations. I have confirmed with the XXXX DMV that this is true as well as have received 0 letters in the mail regarding any past due payments so I know that I am okay. Please find a log of the inappropriate phone calls below : 1. A week ago, time not known, first call, Ladys Voice I answered my work phone, was asked if this was NAME, said yes, who is this. They said they were calling for " personal business matters and if i verified my social I could receive more info ''. I asked how they got this number and they said " from my HR rep '', I asked what was that name and they gave me a incorrect name. I told them that was not correct and asked again what this was regarding. They told me " Something to do with withheld admin wages and i need to verify who i am before they say more ''. I told them I would not verify anything and asked again how they got this number. They told me " my social was active in the area and if I gave them more info they could help ''. I told them no, they asked if my bday was XXXX XXXX, XXXX ( WAY WRONG ). I said do n't call here again and hung up. 

2. XXXX/XXXX/XXXX, XXXX XXXX, Second Call, Mens Voice I answered the phone and was immediately asked if " NAME '' was employed there. I said I was not allowed to disclose that information. I was asked again if NAME works there because they needed to reach them regarding a " personal payment matter ''. I said take this number off your call list and do n't call again. 

3. XXXX, XXXX XXXX, Third Call, Mans Voice I answered the phone and was again asked if NAME worked there. I asked the man what this was regarding and where he was calling from. He told me he needed information before he could disclose that and that is was regarding Credit Card payments. I said this is the wrong number and hung up but noted down the number and called back on a different phone number and found it was a company called " G.C. Services ''. 

I have now been called 3 times at my place of work. Every time has been for a " different reason '' but all with the same goal of getting information from me. This is embarrassing to have happen in front of my coworkers and boss when I have done nothing wrong. Please stop this harassment immediately.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

On XX/XX/XXXX I received notice of CAPIO PARTNERS in debt collections on my credit report. I was previously trying to dispute the errors with the previous collectors who did not send any verification of debt and would not provide me with documentation. I sent a verification of debt request on XX/XX/2020 to CAPIO PARTNERS and have not gotten a response, when reaching out the company was hostile and i believe that payments were made previously before being thrown in debt. It is inaccurate and dropped my score immensely. I never received a 180 notice to even have a chance to reconcile the account.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/2021 While attempting to make a payment on credit card online. Bank would not provide me with CreditCard Number to be able to logon to and set up online payments. On the bank statement the account number/card number is X out. 

In full disclosure, the account is a closed account that I am willing to pay back. But when I call customer service at XXXX they would not provide me with account even after asking multiple verification questions, yet the want me to go to a branch and get account number
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Westlake Services, LLC (CA)

Last year early XXXX. I got a title loan. And it has been XXXX. I paid off loan late XXXX. 2 weeks later they took it. Destroyed my XXXX XXXX XXXX  transmission both differentials and transfer case. I converted my wifes XXXX XXXX  from 2wd to awd. I'm a 30  year XXXX XXXX XXXX. So apon dragging it away. I found it myself. Paid XXXX out of pocket. They lied Said they did not receive it. Lies it was signed for at location. I own my own businessXXXX XXXX XXXX XXXX ca, I put a mechanics lien on the vehicle sending wilshire a bill for XXXX Since my wife OWNS the vehicle she bought in cash at XXXX. Now they fully brought over 250 cars to my city. Moved into homes in my neighborhood. Cameras are on my home 24/7 I even caught them listening to my phone calls. I was in the military. I know XXXX XXXX. They inked 4 houses together using a bogus company with a bogus contractor 's license. I even have a decoy in my garage. I put the tracker in the exact spot. Real car is parked around. My name XXXX XXXX XXXX XXXX. I also with the California  XXXX XXXX. They do not talk to me one I have several years of XXXX XXXX and I just don't take XXXX. So I have proof of everything going on XXXX I also filed a stolen car claim. With XXXX
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc. (GA)

Key 2 recovery inc. sent my account to collections. I have not received any notice via mail or phone regarding the balance. When I have reached out to them they fail to return my calls or emails. 

They reported my account to XXXX  however they made no attempt to contact me to settle the matter. The account is 6 years old.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (DE)

Iam a natural person, Iam a living human being, and i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and did not give Equifax written permission to furnish these accounts. 


XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX  XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-20
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. (GA)

I Originally filed all the proper fraud documents with the bureaus on XX/XX/2020, and nothing has been done per the regulations set forth by the FCRA. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC (NJ)

I filed chapter XXXX bankruptcy and reaffirmed my mortgage with Fay servicing during the bankruptcy process. I have contacted the company on multiple occasions and provided them proof of the reaffirmation but they are not reporting my mortgage payment history to the credit bureaus because they repeatedly claim they do not have the reaffirmation paperwork. This has interfered with my ability to refinance my mortgage even though I have provided the necessary documentation multiple times.
Consumer complaint received 2016-01-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Asset Recovery Group, Inc. (WA)

Mortgage refinance - Title company found judgement against XXXX XXXX form XXXX XXXX. Although the address and date of birth did not match they would not clear title because somehow, Asset Recovery Group had my SS #. XXXX attorney 's I talked to said they frequently pull that information from data bases without verification. After several conversations with the title company ( WFG ) they ( Asset Recovery ) convinced them beyond a doubt that this was my debt. This is fraud. We were three days from signing ... I had no choice but to pay someone else 's debt or loose my interest rate. {$2700.00}. I want my money back. 

XXXX XXXX living in XXXX WA made numerous trips to the XXXX over several years around XXXX. She ended up owing XXXX which she defaulted on. XXXX reported this debt to the credit agencies on XXXX XXXX 's SS and then sold it to Asset Recovery who pulled my SS number from a data base, probably due to the similar date of birth. XXXX XXXX, however, was served at her home -in XXXX!! 

All XXXX had to do was look at my credit reports to clearly see I have never lived XXXX and never been to the XXXX. My credit reports are spotless with a score of XXXX XXXX to be found. My children have know me for some time and never once visited me in XXXX. 

The date of birth was wrong and in XXXX I had dark red hair - I only stopped dying my hair two years ago but you would not know that, no one ever called me ... 

Asset Recovery has stopped giving me information as they are realizing they have made an egregious error, but admitting that opens them up to a law suit. Collection agencies pull SS from data bases and errors are not uncommon. At our last communication they said " we are not sure you are this person. '' They will not provide me the date of birth so I can order the medical records from the XXXX, because as the last XXXX attorneys I have spoken with have indicated ... the XXXX will have the correct SS #. Gee, if I was really this person I should have no trouble getting my own medical records ... thing is I 'm not this person. I do n't know her real SS or her real date of birth.
Consumer complaint received 2016-03-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I opened a PNC performance checking account on its website on XXXX/XXXX/2015 since there was link on its website stating I could get {$400.00} bonus for doing that. But the bonus never appeared in my account. I contacted PNC multiple times regarding the bonus issue during last 30 days but they never properly responded to my inquiry in time. The representative of online chatting just simply gave me a reference number and ask me to wait for their response. But response never came. PNC just sent me a letter saying my case was closed. How could it close my case without even contacting me. Finally after several tries, I got in touch with XXXX of its retail escalation group. Her phone # is XXXX extension XXXX. She denied there was such a promotion on my account. She said there should be some kind of code for her to verify it. I just followed its link of opening account. There was no such code. Even now, PNC 's similar ads online ( {$300.00} opening account bonus ) does n't mention anything about code. XXXX It says " Apply online now ... .Offer will be automatically applied ''. I believe it is PNC 's scam to play customers. I sincerely hope you could further investigate on this issue.
Consumer complaint received 2022-09-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (FL)

I have attempted to fix this situation with Exeter which they sold this fraudulent account to XXXX XXXX XXXX, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and Exeter 's response was that they sent a letter of their investigation. No investigation happened though.
Consumer complaint received 2020-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

Mortgage applying process was such a nightmare with citibank as first time home buyers, that costed me my savings, time, energy caused me immense mental and physical stress and at the end we found out that my loan was denied which lead me to lose my dream home. 

I started my new home loan application with XXXX XXXX with Citibank in CT as referred by another realtor. To start with, everything was on the phone because of COVID so i emailed all the pre approval criteria ( all the docs they needed to start my paperwork ). 

On XX/XX/XXXX my conversation started all via emails when i had a pre approval letter with more documentation. 

On XX/XX/XXXX I received my welcome letter after a immense efforts to reach my contact person ( XXXX XXXX ). 

On XX/XX/XXXX a day before our closing on XX/XX/XXXX, we tried to call XXXX XXXX to know whether everything good as planned and that is when I accidentally found out that my loan was denied. 

Earlier Citibank personnel assured that all the paperwork is in place and I had nothing to worry about, so I terminated my lease to my current apartment accordingly to move into this house as planned. We underwent the inspection, appraisal, title ( with our attorney ) which cost us quite a chunk of money. Just before the closing date, I happened to call XXXX and at that phone call he mentioned that I was denied, and at that moment I really felt scammed, ridiculed & humiliated. They cornered me to put more money down to get an approval even though I was upfront with them from the start that this is what I can afford. 

Finally I dont have a home because of Citibanks incompetency, lack of communication, irresponsible people that had no remorse but were just pointing fingers and no denial letter till XX/XX/XXXX for me to present to my attorney or to the listing agent. We would like someone who could help us and look into to this situation, so that no one ever has to go through such an ordeal again.