davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
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. (NJ)

Citi Bank has been calling me every single day for the last 8 months, and they need to stop. They are never going to see another dime from me, so they may as well give up. The money they're claiming I owe them is from disputes I had filed that they completely mishandled. Due to COVID-19 and the stores ' policies at the time, I could not help the fact that stores were not accepting returns for clothing, food, and anything sanitary-related ... I also could not help that restaurants I went to sucked and they could not get their orders straight, or that they gave me food that was horrible quality, etc. 

With many disputes I had filed, I showed supporting documentation of my claim, and they STILL denied my disputes, just because the merchants responded showing bill of sale! Zero of my disputes argued that I did not authorize the purchases. They all were filed under different categories. So basically, the merchants would respond to my dispute unaccordingly, completely dodging my reasons for disputing, and Citi would automatically find in favor of said merchant!! 

I'm glad they closed my account, because I was going to close it anyway as I refuse to do business with XXXX  ... The purpose of this complaint is for Citi to stop calling me. If they want me to pay off my so-called debt, then they can either transfer it to a collection agency or not. Either way, there is absolutely no reason to be calling me every XXXX day, every day for 8 months. And either way, they're not getting my money. I will dispute the debt to the credit bureaus if need be ... 

Also, a response from the company will not be necessary. Although I'm sure they'll be brazen enough to respond, and their response will not be read.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

On XXXX XXXX, 2018, I initiated a wire transfer of {$4500.00} from XXXX XXXX XXXX to Coinbase Inc. ( XXXX XXXX XXXX ). BoA says this transfer was successful on XX/XX/XXXX. Coinbase Inc. has not credited the money to my account. After an initial, automated response to my inquiry I have received no response concerning my money.
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I have had issues with this company since the card was opened. When I submitted my payment the first time back in XX/XX/XXXX, the company held my payment and then stated that the information for my account was incorrect and came back as insufficient funds and they charged me a fee for the transaction. I submitted the payment again and the same thing happened. I called the company and gave them the same bank information that Id been using and they didnt have any issues processing the payment. I attempted to submit a payment again in XX/XX/XXXX and the same thing occurred. They said that the account information was incorrect and that it came back as insufficient funds and I was charged a late fee. Called the company again and didnt have any issues processing the payment with the same information I was using online. I pulled my credit report to see how things were reporting with this account and saw that they had closed the account. I called to inquire why my account had been closed and was told that it was because of my payments being returned. I was told that after 3 successful payment submissions that the account would be reopened. I called to submit my payment in XX/XX/XXXX and was told by a customer representative to submit it online. The same issue happened. I ended up having to call back. Same thing occurred for XX/XX/XXXXand ended up submitting two payments through a representative. I was informed that because I submitted two payments for both XX/XX/XXXX and XX/XX/XXXX, that my next payment wasnt due until XX/XX/XXXX. I submitted a payment at the beginning of XXXX online. I woke up today to see that the closed account is reading 30 days past due. I am furious about this as this has dropped my score significantly and I am currently in the process of buying a home and will not qualify now. I was specifically told by a customer representative that the next payment was due in XX/XX/XXXX so my credit report should not read 30 days past due. I am prepared to pursue legal action with this company if this situation is not rectified.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NJ)

Re : Card ending in XXXX ( Chase Sapphire Reserve ) - disputing 2 transactions from XXXX. Refunds in the amount of XXXX ( XXXX ) // XXXX ( XXXX ). 

The conversion rate used for returns is unfair, wrong, and predatory. On this date, a purchase would be converted at 1.194 -- - however, a return is receiving a completely different unfair rate of 1.121 ( 6 % worse ). 

Please see to it that I am refunded the appropriate amount with consideration to the rate that is current. The difference owed to me is over {$100.00} Spent 30 minutes on the phone with XXXX ( XXXX XXXX, TX ) - Account Supervisor XXXX/XXXX/XXXX -- -- - service representative was n't able to assist, outside of her area of competence.
Consumer complaint received 2021-03-24
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: CURO Intermediate Holdings (TX)

I have two open accounts thru XXXX XXXX XXXX ( Speedy Cash ) which are not mine theft identity I have sent them a police report and they have nit taken them down. My address which is not mine XXXX XXXX XXXX XXXX XXXX XXXX Texas. My name is not XXXX XXXX XXXX is is also wrong on my repert
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TN)

I purchased a used car in 2015 and received a 24 % interest rate due to my low credit score. Now my credit score has increased about 100 points and the loan company will not work with me to lower my interest rate. They suggested I refinance with another company because they do n't do refinances. Well, other companies wo n't refinance me due to how much I 'm upside down on the car due to the high interest rate. With this current interest rate I 've not made any progress towards the balance. I have had some payment deferrals and understand those effect my balance too, but if I had a reasonable interest rate I could make more progress and get this car paid off. They refuse to help!
Consumer complaint received 2017-12-04
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. (GA)

I have contacted XXXX on several occasions. First for several inquiries that I was not aware of on my report plus being a victim of one of the millions whom information was stolen. I advised them that one account on my record is not mines because I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX of {$990.00}. I am not responsible for this debt so please deleted it from my report. I have contacted XXXX on XX/XX/XXXX, XX/XX/XXXX and they will not removed nor verified the information. I have sent in an inquiry dispute letter on XX/XX/XXXX they sent me a letter stating it was completed on XX/XX/XXXX. I called in to ask why was it completed because there was no way it only took one day to verify the information. I submitted another dispute on XX/XX/XXXX and the same thing completed same day. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer  reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Thanks in advance I have also added a fraud alert to all my reports.
Consumer complaint received 2021-03-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

I had a loan through a Jeep Dealer with 5th 3rd Bank. A check was sent to them XX/XX/XXXX per there payoff instructions. First they wouldn't even verify they received the check from the party buying my Jeep! Cant verify they have it or it is even good. Even after I sent proof they already had pulled the funds! Now it has been 2 weeks and my loan is showing paid off and the account closed. They have still not even bothered to send me the {$4000.00} balance they owe me! Said they will send a check in a few days! XXXX! I am so sick of the central bank and your useless services. XXXX, XXXX and XXXX. We will not need you soon XXXX willing!
Consumer complaint received 2015-10-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CT)

I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

In the summer of 2015 this debt was paid to : COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Now, 2 1/2 years later they have reported my debt as unpaid to XXXX. I suspect the FALSE debt will also be put in XXXX and XXXX. 

Collection Consultants even told the credit reporting agencies that the debt was pain in 2015. 

Please help, my XXXX score dropped from good to fair, a 25 point drop. And worse yet I am trying to refinance.
Consumer complaint received 2019-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have a collection from Portfolio Recovery XXXX. I requested verification from them and all I got was a printout from the company along with statments from the bank. I requested proof that this debt is mine and that the amount is correct. I don't think printing statements is sufficient proof.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to follow up my ongoing dispute regarding the erroneous accounts that have been included on my credit report, which directly contravene my rights to privacy, fairness, and impartiality.
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill. 

Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX  balance. 

I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX. 

This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R & B Corporation of Virginia (NV)

XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX It 's important that these accounts gets removed from my credit report. They have reported the same account more than once. It has already been paid in full. I have tried contacting them directly however they are not willing to delete them from my credit.
Consumer complaint received 2020-04-26
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. (NY)

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX Transunion File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2018-01-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

I had bill pay with Navy Federal Credit Union, I was paying XXXX XXXX and Paid the account out and they said it was a right of my records show paid in full, also XXXX starting send payment back and at some point the account number was change to another account number on which I did not owe any money, The record show they took XXXX from my account to pay and account I owe no money and one which had know bill pay to automatic monthly how it was done at the credit union I do n't know this fraud I did not authorize this payment and I want to recover my fund that should not have ben to them any way nor was it authorized.
Consumer complaint received 2017-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (KS)

I took out an online loan over the summer from XXXX XXXX ( XXXX XXXXXXXX ). 
I contacted them via email in XX/XX/XXXX asking them to switch my bank account on file they have dealt me issue after issue refusing to update my banking information, Ive sent them bank statements for two months in a row and they tell me credit unions arent recognized, my bank statement is out dated as they leave it set there and dont work my request now after all this they are requesting me to send them my new bank Statement to show my account activity, pay stubs and letterhead from my bank showing account and routing # which has already been sent to them, and a voided Check before they will update my bank information. They were asked to remove the previous account on file and they refuse. I refuse to give them any further information regarding my bank account and its activity, my bank has warned me their actions are borderline fraud This has absolutely nothing to do with changing my bank account! 
I have asked them to work with me on small payment and reduce the interest as I had been off work sick with dr note and they wont do anything to reduce or stop interest in the retention department I cant affod their payments, I borrowed {$460.00} and no owe almost {$1000.00} They just deduct the payment at their discrestion with no notice How do I get them to stop this and work with me
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

On XX/XX/2020 XXXX  XXXX XXXX, delivered a check for {$610.00} to BMO Harris Bank for my car payment loan account. I had automatic monthly payments set up from my bank to BMO but kept getting late payment notices and after some research discovered one of the checks my bank sent was not applied to my account.

After numerous calls to BMO and my bank BOA, I obtained a copy of the check which clearly shows BMO cleared the payment at their bank on XX/XX/2020. I have spoken to least 18 different people, ( but could never speak to a manager ), and several at my bank. I was told by BMO 's agents, " the {$610.00} was sent back to my account where it came from '' ( its impossible, they don't have my banking information to make a deposit into my account ), I was told " a check was in the mail '', when I asked why are they sending a payment back I'm trying to make on my account, I was told " I'm just giving you the message I received from a manager '' ; I was told to " wait until they investigate where the money was credited at BMO 's bank ''. Its been 7 months and after more calls to BMO Bank, this issue still has not been resolved.
Consumer complaint received 2018-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (IA)

Had a USBank Visa card, on XX/XX/XXXX they received a payment of XXXX payment, which left a balance of XXXX. 
The remainder was paid on XX/XX/XXXX which left a XXXX balance. 
On XX/XX/XXXX called and asked to have account closed, and was informed at that time it still had a XXXX balance. 
After getting the letter in the mail on XX/XX/XXXX that said the account had been closed and it was dated XX/XX/XXXX, I decided to look online to make sure all was right, and there was a XXXX balance, it said it was interest charged on Purchases that was charged to the account on the same day it was closed. 
My wife called to inquire about it, and was told that it was from a balance transfer from years ago ( which is a lie ), yet this is the 2nd time the card had been paid off, and any balance Transfer was done before last pay off. 
The statement says Interest on purchases, and XXXX interest on Balance transfers, and XXXX balance on cash advances. But XXXX interest on Purchases. 
And since they did n't credit the XXXX till XX/XX/XXXX they charged Interest on over XXXX worth of balance, at 24.99 %. 
This interest rate has been going up each year since getting card, and never had one single late payment. 
I talked to some woman named XXXX on XX/XX/XXXX who said she was from Legal department, and what they did was legal, and I needed to pay that amount that day, because the account was closed, or she would report it as 30 days late payment. 
I feel I have been victimized by them, and they want me to pay for closing the account at XXXX. The attached file XXXX shows what I am talking about. 
Can you Help?
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/XXXX I transferred XXXX euros to Coinbase by bank transfer. The money was not there the day after so opened a support ticket. 9 days later they replied with a generic response. I have contacted them many times since but still dont have the money in my Coinbase account.