davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I opened a Sears MasterCard over the XXXX while shopping at Sears. I made one time purchase only in the amount of {$340.00} on XXXX/XXXX/16 and paid balance in full XXXX/XXXX/2016. I closed the account in XX/XX/2016, never use same account for any other purchase, did not even activated my Sears MasterCard when it arrived. 

However, multiple unauthorized transactions showed on my Sears MasterCard statement after the account was closed. I called Sears MasterCard at least four time during past several months ( XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016 ) to clarify the fact that my account was closed, none of the transaction was authorized by me. I was told every time on the phone, they will dispute the transaction and credit back full charges on my closed account. but months afterward, instead of credit back my account, I still have overdue on the account and affected my credit score significantly ( I was XXXX in XX/XX/2016, now only XXXX ). I called Sears MasterCard today, the phone ca n't evan go through ( seems line get disconnected ). 

I am extremely disappointed with Sears MasterCard by Citi. Feel like 1 ) my personal information leaked out during credit card application, which later on lead to credit card fraud. 
2 ) citi card / Sears MasterCard allowed fraud happen repetitively on a already close account 3 ) custom service system is a total disaster, completely disconnected : no record for prior customer phone call, no following phone call on already problemed account, not even answering phone call eventually ... 

I am requesting a fair and final response from Citi Cards / Sears MasterCard.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY (MN)

I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. 

I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked " If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. 

I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00}
Consumer complaint received 2022-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (GA)

XXXX XXXX XXXX Acct XXXX XXXX XXXX Georgia XXXX XXXX XX/XX/2022 Amount {$290.00} Amount {$500.00} The company refuse to except the fact that I spoke to the hospital and they do not have a bill for my name or social. They are very rude and they speck to you in a disrespectful manner. Not to mention XXXXXXXX XXXX XXXXXXXX has no contact information.
Consumer complaint received 2016-12-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (AZ)

I was referred to Sally Mae to assist me with paying tuition. With my grandmother being a consigner I was approved right away. I have a total of four loans with Sally Mae. After graduating from college and trying to find employment Sally Mae started sending threatening letters and harassing phones call to me and my grandmother. They even went as far as calling my grandmothers place of employment harassing her. They are wanted almost {$1000.00} a month for payments. As I explained to them I was only making a certain amount an hour and it was impossible to pay what they were asking for. I agreed on my own to pay what I could and they stated " because it is not the amount we want we will still call you ''. I know it is against the law for them to call after I requested not to. However they continued. They said that they do not offer any Income Based Repayment Plans. Sally Mae has called my parents, my aunts and my siblings trying to get ahold of me. This is absurd. I am filing a formal complaint against Sally Mae for harassment. They do not care that I have to survive on my own and can not pay {$1000.00} a month for four loans. The economy is not the greatest and companies are not paying college grads enough money to even pay their bills. Sally Mae is a bully.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (IN)

Equifax Unfair practices..On XX/XX/2021 my score dropped AGAIN 54 puts because my XXXX balance DECREASED by {$25.00}. NO REASON and UNFAIR. 

I disputed the XXXX charge with XXXX XXXX here on Consumer Finance as fraudulent account that wasn't mine AND IN THE SAME TIME FRAME because I disputed this account for {$5700.00} with BOTH BUREAUS SAME DAY. I'm STILL HAVING the same issue with Equifax about XXXX. They can not prove it's mine because IT'S NOT MINE. I called after 30 days of investigation for them to remove the account. Equifax told me that XXXX told them it was my account. I told Equifax that XXXX MUST PROVIDE PROOF! Equifax told me that the next step was to file a complaint with them requesting proof. I told Equifax giving them and additional 30 was against the law and to remove the account immediately! Equifax told me no. It was legal process. And gave them and ADDITIONAL 30 DAYS!!! They will not let me dispute even though the applications tool is present in my Equifax credit portal. So in the meantime, XXXX XXXX  and XXXX XXXX has issued me credit cards 5 weeks ago $ XXXX each and neither XXXX XXXX nor Equifax will add it to improve my score. TOTALLY UNFAIR PRACTICES ... Next step was I put a freeze on my social security number in XXXX to prevent further unauthorized actions of identity theft. I tested them by applying for the XXXX and XXXX XXXX Cards and they went right through. No freeze put in my SS # at all. Gave me immediate hard inquiries and dropped my scores. If anything negative happens, the credit bureau attacks my score and they refuse to give me credit increases. They told me I HAD TO BUY MY SCORE! I have access to XXXX XXXX so that's how I keep up.. If I have positive reports, they never raise my score until 5 or 6 weeks later or if at all. Please investigate. Sorry I don't have accurate dates at hand. Can I use for unfair practices, discrimination?
Consumer complaint received 2022-09-09
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. (NJ)

This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. Thank you.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

On today, XX/XX/2023 I was trying to XXXX money from my Ally bank to my XXXX account so that would be able to pay a bill. The XXXX did not go through and a message was received to call the bank. I called and found out that my XXXX was restricted and I was transferred to loss prevention. They asked me questions regarding my cell provided which I didn't find relevant to me accessing XXXX. After multiple conversations with different incompetent individuals I finally got a person who I thought would be of help. Wrong, this person not only didn't help me with the XXXX restriction but by the time I was finished with the call she ( XXXX XXXX had restricted my entire account. I asked her why I couldn't long on to my online banking and she told me that I would receive a email requesting documentation verifying my identity. I am not sure what XXXX, which is not a product of Ally but a tool used to transfer money has to do with my account. I am also confused how I go from questions about XXXX to not being able to access my account or my money.
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I called XXXX XXXX XXXX to schedule a routine appointment. Confirmed by their receptionist that they accepted my insurance. About three visits in I was then told that they do not accept my insurance and I would have to pay for past visit plus this one. I do not believe that is fair to be as a patient to have to pay when I was told not one visit but multiple visit that my insurance was accepted. I shouldnt be held accountable for a mistake made by them. If I was told that my insurance was not accepted I would have went else where. Its the company negligence that cause the miss information and as a company they should not hold the patient responsible and provide better training for their employees to make sure this doesnt happen in the future.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

XX/XX/2021 I reported 3 times that there was fraudulent activity on my XXXX XXXX XXXX. I was hung up on several times ( many customer service providers are not in the XXXX, I had trouble with accent and they couldnt understand what I was trying to relay to them ) I had to be transferred 5 times each call, each dept stating I needed to speak to another dept. The online " send us a message '' is not working and hasnt been working since early XXXX. 
Most charges were removed, but the interest was not adjusted and XXXX XXXX XXXX Bank notified my credit bureaus I was over limit etc.. It was told to me via phone this was all going to take a couple weeks. I can not reach anyone who can help, I cant even send an email or other electronic form of message.
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX IXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX  XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (NC)

XXXX stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MD)

I have a collection on my credit report from this company for {$150.00}. It states the original creditor is XXXX. I have service with them so this debt is not correct. I have had multiple companies add an account from XXXX and it is not valid. No letter or anything was sent. Just thrown on my credit with no proof. This error has messed up my home buying process. This is information is not valid.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XX/XX/2021 I got direct deposit routing number from chat online from the bank. It was the wrong routing number. Corrected it XX/XX/2021 with the bank and payroll of my job by phone. I have been in contact with my payroll and the bank almost 2 and half weeks. Now receiving a new deposit. Yesterday {$500.00} hit my account I am due another deposit of {$500.00} as we have entered into a new pay period. This is a problem because this is must use system and it does not correct it self effectively. I am being told inconsistent things and the bank gain the interest on the funds delayed. I dont I am late paying my rent and bills. I have enough to figure out on my own. This system is a hinderance if I had gotten paid on Friday by paper check then I could distribute my own funds without a third party or routing number. Please help me get my funds so I can pay rent the full amount.
Consumer complaint received 2021-07-09
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)

This is not a new complaint. I have been complaining since XXXX on XXXX. It is reporting to Transunion Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. Ordered a {$79.00} TV in XX/XX/XXXX and returned within same month. They didn't have accounts then, but noting I have an account. XXXX has been UUPDATING my Transunion Credit Report with inconsistency dates as if I made a purchased, reporting late payments upon having a ( XXXX ) XXXX balance, and reporting " adverse action '', since XXXX. It was noted to be remove off the Transunion Credit Report XX/XX/XXXX but now it changed to XX/XX/XXXX. Why IS CFPB ALLOWING THIS.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX   XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. 

Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. 

In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. 

We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. 

Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. 

If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. 

Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..
Consumer complaint received 2024-02-27
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. (CA)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-10-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (FL)

SIRS CONSUMER FINANCIAL PROTECTION OFFICE Collection company scam : XXXX XXXX XXXX GC SERVICES I am addressing you with all due respect in order to report a fact by which I have been surprised by the GC Services Limited Partnership My person bought a XXXX car to work, which had been paying on time. Unfortunately due to the pandemic, and the death of my husband, I could not continue paying the debt ; which is why I delivered the car to the same XXXX XXXX. They later sold the car they had been buying, leaving a difference of {$12000.00}. 

XXXX sent the debt to the company GC Services Limited Partnership, who sent me offers to help finish my payments, the first offer being {$8500.00}, ( XX/XX/XXXX ) then another offer lowering the price to {$6700.00}, ( XX/XX/XXXX ) reaching a final verbal agreement of {$5100.00} ( XX/XX/XXXX ) as long as he pays the amount of {$2000.00} dollars as a down payment, nine payments of {$280.00} and a last payment of {$270.00}. An agreement signed by the company GC Services Limited Partnership is attached. 

Unfortunately, while I was complying with sending the {$2000.00} down payment and the monthly payments of {$280.00}, I realized that in their letters they placed in their sums that I still owed the amount of {$10000.00}, without respecting the agreement of lower with my initial and monthly payments, the amount of {$5100.00}. 

Wanting to talk many times with the Managers, they always told me they were busy, at the same time I told them to correct the amounts of the sums. Not receiving responses, I faxed the two Managers who sent me these letters without receiving a response to date, which is why I called my bank to stop making the following payments, and I was going to report the fact to the FTC because were not fulfilling the agreement. ( Attached Letters Currently they have sent another company called XXXX XXXX XXXX, so that now they are the ones who continue to charge me the amount of {$10000.00}, forgetting my payments that to date are only {$2200.00}, under the pretext that I stopped the payment. 

This companies have been totally surprised to me gentlemen of the FTC, which is why, I request that you help me to report this fact because I NEVER STOP RESPECTING THE AGREEMENT WAS GC. They were Services Limited Partnership, which defaulted ; in addition to sharing personal and private information as well as my credit card. 
These companies are a FRAUD, because they only took my money and now they do not respect the agreed balance. I Attached letters of the agreement of XXXX ; signed by them ; of which I have been paying {$2800.00}, leaving a final balance of {$2200.00} that I have wanted to pay, but these companies do not want to respect or lower the amount that I have been paying for the debt. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.