davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MN)

I called the customer number talk to XXXX and she transfer to the Financial Department we spoke with XXXX, I understand my payment of XXXX was behind for emergency reason, I never was late for this card, we try explain to XXXX about this but she was absolutely rude, unprofessional and no empathy for the customer she try hung up the phones many times without solving my problem.She mention each customer is treat different when I ask for reage my account, ask twice what that mean each client is different, is about discrimination since she used that terminology and we know they are able to reage accounts.
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Metro Republic Commercial Service, Inc. (CA)

Someone used my personal information and identity to obtain medical and/or other services. I did not create this debt. I am a victim of identity/medical theft. I have reported this to the police and have tried several times to have them correct their records. They continuously send me someone else 's personal information, knowingly that this is a fraudulent account, which is violating the HIPPA Act PIH. The information is not mine nor did I ever authorize it. The signature does n't even look like mine. It is an obvious impersonation of my identity. I have sent them certified letters, ID theft police report and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. 
Attached are letters I have sent and correspondence that support my complaint and show I am a victim of ID theft, this is not my account.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

I received an email from my bank ( Bank of the west ) asking if a specific transaction was made by me or is fraud ok XX/XX/XXXX, I press " No, I do not recognize these transacions '' and I called the bank to lock the card and open a dispute. 
Since that day I didnt recive any notification or credit for those unauthorized transactions. By law the bank has 10 days to solve this but it didnt.
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (VA)

On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Citibank had a promotion requesting people open a checking account and deposit {$15000.00}, maintain it for three months, after which customers would receive an {$400.00} account bonus. I called them and opened the account, funded the account on XX/XX/XXXX and maintained the required balance. The bonus should have been posted on XX/XX/XXXX but Citibank has not deposited the bonus as promised.
Consumer complaint received 2022-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

In XXXX, 2022, a company called Phoenix Financial Service, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana XXXX, Phone number ( XXXX ) XXXX for reasons unknown, filed a derogatory credit on me, with the XXXX XXXX XXXX XXXX that I owe them {$380.00}, thereby lowering my credit score by XXXX points. 

Unfortunately, I don't know this company ; I have never heard of this company and I have never received any correspondence whatsoever, from this company. According to this company, the original creditor was a company called " APP Sugarland. '' Unfortunately, there is no company in XXXX, Texas Called " APP Sugarland. '' I believe, Phoenix Financial XXXX, located in XXXX, XXXX is a fraudulent company attempting to collect funds from innocent victims without their knowledge.
Consumer complaint received 2015-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

My name is XXXX and my lender is Santander Consumer. I have been contacting Santander regarding my vehicle being stolen back in XXXX. Since the vehicle was stolen I continued making payments. However, my insurance company informed me not to make a payment for XXXX because a check was being issued for payment. The insurance adjustor as well as I has contacted Santander regarding the payment still not being applied to the account. Their representatives are stating the payment has not been received ; however it has been confirmed by XXXX that the package was received and signed for over a week ago. I have been harassed by representatives regarding my XXXX payment. I have received nasty calls on my job, left threatening voicemails, and I have been verbally mistreated by supervisors, the insurance department and customer service representatives at this company. I sincerely feel that this is a form of retaliation because I filed a complaint with the BBB. As of today the payment still has not posted to my account.
Consumer complaint received 2020-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I have my credit damaged because of National Credit Systems XXXX Ga XXXX. 
I have never leased an Apartment from XXXX XXXX, nor applied and I am being charged {$220.00}. I have no knowledge of why they are very rude, and I was threatened to have it on my credit for 10 years by one of their agents. I feel this is not correct, and I wrote them to clear my credit. They have not, I want them to correct this charge. I would like to see the apartment, that they claim I lived in. I also want to see the monthly payments, utilities, and mailing address in my name at this location. I have in the past, went through the same problems with this
Apartment named XXXX XXXX. I finally had it cleared, and again I am having the same issue again.

I told them that I did not live at their apartment complex. I want this charge cleared once and for all. 


XXXX XXXX
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (GA)

My father passed away in XX/XX/XXXX. He owned a house whose mortgage had been sold XXXX times in XXXX years. The final mortgage holder was Ocwen Loan Servicing , LLC . The mortgage was upside down, so we decided to let the house foreclose. Through our estate lawyer, we requested a deed in lieu of foreclosure in XX/XX/XXXX. Since then, I have recieved monthly bills and calls until XX/XX/XXXX when they finally sent the paperwork to do the deed in lieu. I signed it in the presence of my lawyer and witnesses. My lawyer XXXX it to Ocwen in the envelope they provided. During all that time, my sisters and I received at least XXXX letters and XXXX or more registered letters about paying the mortgage. There was not enough money in my father 's estate to do so. I told Ocwen that at least XXXX times on the phone and more times in letters from my lawyer. In XX/XX/XXXX, I got a letter requesting that I purchase hazard insurance for the property. My lawyer sent them a copy of the signed deed in lieu papers and reminded them that I do not own the property anymore. The property was vacated in XX/XX/XXXX and Ocwen did an inspection and changed the locks in XX/XX/XXXX. Today I received another notice about purchasing hazard insurance. 

No matter what we do, they keep trying to get me to do something with this property. Also, my lawyer has requested a final statement from them, so that I can close out the estate account and pay a few other bills that ca n't be paid until Ocwen gives me the final statement. They have ignored this request. How do I get this matter closed? I keep having to pick up registered letters and pay lawyer fees for letters to Ocwen, to no avail.
Consumer complaint received 2022-09-05
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. (NC)

On or about the dates XXXX, and XX/XX/2022 as shown on my XXXX, Experian, and XXXX credit file, XXXX XXXXXXXX XXXX XXXX has supplied late payments . 15 USC 1666 B clearly states : " A creditor MAY NOT treat a payment on a credit card account under an open end consumer credit plan as late for ANY REASON. 
Furthermore, 15 USC 1681 Section 602 states : I have a right to privacy. FCRA 15 USC1681 Section 604 A that my written permission is needed to furnish any items on my credit report ( s ). So therefore, XXXX XXXXXXXX XXXX XXXX has violated my rights and furnished damaging illegal entries to my credit file, at which prevents me from simply living my life and causes me great stress. Also during this same time frame of late payments i was seriously impacted by Covid-19, so I would also like to enforce my full rights as it applies to this matter under the CaresAct.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

My credit cards were stolen out of my wallet on XXXX XXXX, 2016. I called all of the credit card companies the same day to report the theft. And I called the policy and filed a report. Unfortunately, my cards had already been used to make fraudulent purchases by the time I reported them stolen and I made that clear to the credit card companies as well. All of the other credit card companies have removed the fraudulent balances and any additional charges because of the fraudulent charges except for Macy 's. Macy 's removed the fraudulent charge, but not the interest and penalties accrued as a result of the fraudulent charge and they continue to charge interest and penalties on the account. I have called Macy 's fraud department numerous times as well as sent them a copy of the policy report and yet they continue to call me every day to try to collect the debt as well as continue to add late fees and interest charges to the late fees and interest charges that were not removed from the account.
Consumer complaint received 2015-10-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (CA)

This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. 

In addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law.
Consumer complaint received 2022-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Hello, we've paid {$58000.00} on an FFELP loan that originated in 1995 for {$30000.00}. The problem is that we STILL owe {$47000.00}. Only {$11000.00} has gone to principal and we will soon have to start paying $ XXXX+/mo again after having paid our entire adult life on this loan. We were talked into consolidating our loans early on and that disqualified us from programs such as the PSLF and other programs throughout the years. When we were working for XXXX and earning very little money, we were told to take deferments and forbearances. We were young and didn't understand that we should have challenged this and requested income-based repayments. The result has been an avalanche of fees and interest that have followed us our entire lives because we never seem to earn enough to pay the full monthly, amounts, so we keep paying partial payments which creates rolling negative marks on our credit and which also do not pay down our principal. Our loan servicer has been XXXX XXXX ( became Navient ) and we have contacted them several times to request forgiveness for some of the interest/fees that accumulated over the years and they've always refused. We even had someone who was willing to pay off our balance and give us a private loan if we could get the total reduced, but Navient refused.
Consumer complaint received 2022-10-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (CA)

This company keeps reporting that I owe this debt that was deleted prior from my credit report. XXXX is allowing them to do this repeatedly this was already. This Company went and bought the debt and refuses to delete from my file. XXXX is siding with the company to continue to ruin my credit. 


ABSOLUTE RESOLUTIONS I Original creditor : XXXX XXXX. 
{$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2016-03-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TSC Accounts Receivable Solutions (CA)

TSC Accounts Receivable Solutions, claims that I was admitted to XXXX Hospital XXXX for medical treatment on XXXX XXXX, 2011. As I have no record of this, I have requested XXXX items from TSC Accounts Receivable Solutions : 1 ) A signed copy of the admission and/or release form showing I was admitted on this date. 
2 ) A signed form showing they are assigned this debt and have authority to collect on it. 
To date, TSC Accounts Receivable Solutions has not provided either item, nor any other signed document showing I am responsible for this debt. 

TSC Accounts Receivable Solutions has provided me what they call an " itemized bill '' and a " Hospital XXXX Admit sheet '', stating these " as proof of this debt and his responsibility for payment '', but if I was truly admitted to the XXXX, I would have had to sign forms to allow treatment and for financial responsibility. To this point, TSC Accounts Receivable Solutions has not provided any signed documents. 

At this time, TSC Accounts Receivable Solutions, and indirectly XXXX XXXX XXXX XXXX, has and continues to cause me financial harm by providing credit reporting companies with negative information that they either can not, or will not, prove. 

Reporting false information to credit reporting companies is a violation of the law, and both parties continuing refusal to provide the above information makes this matter even worse. I am trying once again to get TSC Accounts Receivable Solutions and XXXX to provide this supportive information before I pursue my rights under FCRA regulates.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I was trying to transfer XXXX Capital One Rewards to XXXX XXXX which has a transfer bonus promotion of 30 percent resulting in XXXX XXXXXXXX XXXX so that I can book a business class flight for two passengers ( XXXX miles plus XXXX USD for taxes and fees ; the dollar cost equivalent is about XXXX USD ). There is a problem with how Capital One and XXXX match up customers ' names. Capital One, at best, will only show a customer 's first name, middle initial and last name. However, frequent flyer memberships typically ask for the customer 's name to match their passport which is always the customer 's full name spelled out ( no initials ). Because of that, a customer 's name will never match between Capital One and XXXX. That is the problem I had which prevented me from transferring Capital One Rewards to XXXX. I tried five times ( I even called XXXX to have them modify my middle names ) and then the Capital One Rewards system eventually locked me out of XXXX. This problem is not my fault and out of my control. I am being punished for this because now I am unable to book the flight I want. It is not fair and immoral because these flight deals do not last very long and now I am going to miss out on it due to this issue. I pay XXXX USD annually to be a cardholder of Capital One. I absolutely should not be having these kinds of problems. I deserve better treatment for my loyalty.
Consumer complaint received 2015-10-19
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NV)

I have XXXX RushCards. I have not been able to access my money since Monday morning ( XXXX XXXX, 2015 ). Until 2 days ago, i was not able to log into my account. Online, XXXX card shows as " Pending Activation '' with a correct balance of {$600.00}. The XXXX card shows an incorrect balance {$0.00}. The balance changes constantly, but is never correct. On Wednesday, XXXX XXXX, I was able to speak to a RushCard representative. I stated my problem and was told a " form '' would be " escalated to a manager '' and my card would be fixed with XXXX hours. That has not been the case. I 've tried to call back, no less than, XXXX times. Each time, the call is dropped or hung up. Last night i was able to get past the initial ringing and was on hold for XXXX hours before i have up. I have over {$600.00} that i can not use. I have a paycheck direct deposit of over {$1200.00} coming this week and i 'm terrified that i wo n't be able to access it. 
Please Help.
Consumer complaint received 2015-12-01
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (GA)

This company has taken double the money debit from the acct. Then u have to call and wait for rep to apply money back to ur card. There not posting Direct deposit s to the card. Took over five days to get my paycheck refunded to my payroll dept to read issue. Makes promises of quick and speedy service tht always turns into a few days wait or no nothing at all. In turn ur calling the company back to try and get the problem rectified. Wen u ask for a Supervisor they hang up on u or leave u on hold
Consumer complaint received 2022-02-07
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. (AR)

im trying to dispute info through transunion online XXXX i've gone through the steps to report my dispute unsucessfully both times ended in the following error : Dispute Temporarily Unavailable. 
Looks like theres a temporary error. 
What to do now : Please wait a few minutes and try again. Return to the Dispute Center. 
If this problem continues, you may choose to dispute by phone or mail. 
To report this error, contact our Website XXXX XXXXXXXX XXXX.
Consumer complaint received 2015-08-25
Product: Other financial service — Check cashing
Issue: Unexpected/Other fees — 
Company: Jim Bottin Enterprises, Inc (KS)

After talking to an XXXX XXXX employee and answering my question in regards to my contract, the employee stated that the contract would end and payments would cease at the end of the agreement. This was over XXXX months ago and I just realized that I 've been paying on a membership I thought had ended. No form of information was handed to me to tell me otherwise.
Consumer complaint received 2022-02-07
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. (FL)

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.