davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MA)

When I left my previous employer at the end of 2014, I had a balance on my Citibank work credit card of {$130.00}. Because I never received a bill from Citibank for this amount, I forgot about it. Three months later, I received telephone messages from Citibank. I investigated the issue, discovered what had happened, paid not only the balance, but also the late fees of {$9.00}. Citibank continued to call me, leaving automated messages. I returned their call again, and was treated abusively by a Citi employee, who claimed the post office must have failed to deliver the bills they claimed they sent me monthly. I informed them I had sent them a check for the full amount, including late fees last week. I asked that they not impact my credit rating, considering that they never sent me a final bill and I had sent in my payment. They told me they had already reported me to credit rating agencies, impacting my near perfect credit record. I was insulted by their employee 's behavior and the treatment in general. I do n't believe I have ever missed a payment before in years and years of using that card for work. I paid on time, every time. All I required was for them to send me a bill, and I paid each XXXX promptly.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

When signing in with customer service representatives over the phone for auto payment they got my bank account wrong .after that because I was out of country and could not manage all accounts I got a late payment on my credit report.i never had any late payments ever.now this is affecting my score with bad impact.when I find out this I made a payment immediately but did n't help
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

There was a transaction I used with my credit card and the seller sold me a blacklisted phone. I contacted Citibank. Let me tell you how difficult it was. I have call logs recorded showing I was on hold for 1.5 hours each time I called. Fine ok. I get it. Banks are busy. But when I finally reached someone, they XXXX English. I was transferred 3 times, with each transfer causing a 20 minute hold. Finally, when I reached someone to file a dispute, I had to wait 45 days. I did not hear anything from the bank. I contacted them to provide further evidence and they told me they did not need it. 45 days later, my request to dispute the transaction was denied. They did not have the proof I had and came to their own decision.
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (MD)

XXXX funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by XXXX and they have not proven that I was served for the lawsuit they brought against me concerning XXXX. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and XXXX funding still reports on my credit bureaus. XXXX account was with XXXX and another with Citibank both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. XXXX funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc (CA)

Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. 

XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not owe ).
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

I have a Citi visa best buy card that has been tampered with and charges were made on my account that are not mine. The only charge on my card is from XX/XX/XXXX from XXXX for XXXX. Citi still has my account with a balance of the following below : Last Reported XX/XX/XXXX Creditor Name CBNA Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$2000.00} Term -- Monthly Payment {$65.00} Responsibility Individual Balance {$1300.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status Current Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks
Consumer complaint received 2016-11-07
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MN)

I applied for and was approved for the Citi XXXX XXXX XXXX XXXX XXXX card which included a promotion of getting a statement credit applied to my account for a phone I bought on this card through XXXX XXXX XXXX, and I would also have a 0 % APR on purchases through XXXX XXXX XXXX after meeting the requirements. I have confirmed via online chat through Citi 's website that I met the requirements XXXX different times, both times they stated the credit should be applied within XXXX billing cycles. I met all requirements in XXXX and have still not received a statement credit. I have been charged interest on the balance I have left, which has been less than or equal to the XXXX XXXX XXXX purchase, which qualifies for the 0 % APR for 7 months. Citi has misled me multiple times and at this point I 'm unsure if they are working to resolve my situation.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys (NM)

The number listed above is my work number, I receive XXXX calls a day from this company, 7 days a week ; they do not leave a message. They also call my cell phone, XXXX, XXXX times a day. The calls start about XXXX XXXX and end around XXXX XXXX. They never leave a message. I called the number from my cell once and got a person with a heavy accent that was difficult to understand. They wanted my information to verify who I was but would not tell me their name or their company name until I gave them my personal information and I would not do that. I XXXX and found that the number they are calling from belongs to XXXX XXXX XXXX and found that they have several locations. I am going through a difficult time and behind with many of my payments because of medical reasons but I am looking into alternative solutions to try and get myself back on track with my payments.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CMI Group, Inc. (TX)

CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.
Consumer complaint received 2016-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (CA)

Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.
Consumer complaint received 2016-08-03
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Acceptance Inc. (GA)

The debt collector repeatedly reopens my account and claims I have excessive missed payments. 
The claims far go beyond my possession of their tangible property that was sold at auction subsequent to my repossession to them. 
The debt collector also has not given me any proof that it was sold for a lessor amount than the debt originally owed and I have proof of such sale intent letter. I only had the tangible property 6 weeks after contract was made and the tangible property was repossessed. 
I think this company is using unfair practices.
Consumer complaint received 2015-11-10
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (MN)

I needed to send money to a person XXXX. I could not find a Swift Code to wire the money to her bank account. I submitted a request via XXXX an online service to transfer a substantial amount of money to this individual. Once they collected my credit card information and personal information, they called me and requested photo documentation of a passport or drivers license. I considered this suspicious and had to cancel my credit card. Now I have no card for 10 day and will have to change the number on any accounts I have for automatic withdrawal. Do not trust this company!
Consumer complaint received 2023-04-11
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. (CA)

In accordance with the Fair credit reporting act convergent Accounts CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 



CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX XXXX Account:XXXX  : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX Account:XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 

CREDITOR / COLLECTOR : XXXX XXXX Account:XXXX : BALANCE : {$310.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account. 


The Credit bureaus stated that my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is accurate. This ground for removal the also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2017-03-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (NJ)

I received a payday loan from West River Cash for the amount of {$350.00} and after 1 payment of {$120.00} and another 3 for {$100.00} that the principal only went down to {$340.00}. The representative informed me to pay in full it would be over {$400.00} after paying them {$430.00}. They have me on an 18 month repayment cycle of {$100.00} a paycheck. The representative could n't answer why I would be paying roughly {$1800.00} for a {$350.00} loan. The representative, XXXX, said I have been making the minimum payments whereas the {$120.00} payment only affected the principal by XXXX cents. They only thing XXXX mentioned to me was speaking to an account manager and I did n't want to receive any abuse or harassment of any kind by an account manager.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc. (FL)

I recently, XX/XX/XXXX, had XXXX and was out of work for XXXX months. I could not drive nor do anything that may aggravate my XXXX while it heeled. This is why I fell behind in my finances. However, once I went back to work, my wife and I sought some help from a financial planner. She was able to get us into a situation where we were able to put food on the table and not worry about our finances. That is until the phone calls started from the credit agencies that we could not budget into the finances. We constantly kept asking the financial planner about paying others but she stayed the course and so far we have been able to pay off XXXX credit cards. We are by no means trying to get out of paying our debt. We just have to take small steps to get it all taken care of. 
On XX/XX/XXXX, I received a call at work from XXXX with XXXX XXXX. She is attempting to collect a debt for XXXX. I explained to her that I would have to discuss certain payments and see how we can pay this off. She came back and said normally they expect the full amount but in my case they XXXX make an exception and want XXXX % up front and we can work on the rest. I then had to mention that if I could n't pay the minimum due, how do you expect me to pay XXXX %? She has since contacted my home phone XXXX times to get a response from my discussion with my wife. This is considered harassment in my opinion. However, when you talk to XXXX she will phrase sentences in a way that makes you tell her when a good time to call is and that she was just doing as you instructed. I understand they are collecting a debt and that a lot of people have XXXX excuses. I guess I just blend in with the rest. But, I had worked my XXXX off to get a credit score above XXXX and in XXXX months watch it dwindle to XXXX. Not happy about it but I can probably bounce back as long as I do not get harassed about it. It is embarrassing enough to deal with the problem at hand. I do not need someone to rub it in.
Consumer complaint received 2022-08-25
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. (CO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

Good morning, In XXXX of this year I noticed fraudulent charges on my XXXX XXXX credit card. I called the credit card company and advised them of the charges and closed the account. It was quite obvious to see that the charges were not mine. I have a very consistent record of purchases, dollar amounts and purchase locations. The phone representative said he could easily see the charges were not made by me. He told me the card was closed immediately and that no more charges would be put on my account. I told him I did not want another credit card reissued. I then paid my legitimate card purchases balance to take the account to XXXX. I received a confirmation letter that the account was closed, dated XXXX ( letter attached ) In XXXX I had to contact the XXXX XXXX again as they were trying to collect from me the fraudulent charges. The XXXX XXXX phone rep stated the account was closed and they were investigating the charges and I would not be charged any additional fees. I received another letter stating the account was closed dated XXXX ( letter attached ). 

On XXXX ( letter attached ) I received another letter stating the fraudulent chargers were being investigated and no payments would be required. 

On XXXX I was shocked to receive another bill from XXXX XXXX with a NEW charge on XXXX and late fees and interest charges. ( statement attached ) How can they charge me all these items for an account that has been closed since XXXX? I feel this is an attempt at XXXX abuse. This matter has caused me tremendous stress and worry.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: SYNCHRONY FINANCIAL (OH)

On XXXX XXXX, 2016 Synchrony Bank contacted my work at in regards to a Walmart credit card that I am late paying on and I have proof of the number and time of this violation as all inbound calls are saved at my work. This is a violation because I am not allowed to receive personal calls at my work. I work at a XXXX and they know I 'm not allowed to take personal calls while working in a XXXX on a XXXX basis. It 's a violation of my job 's policy. They did not follow proper procedures because they knowingly contacted me at a time they knew was inconvenient for me, regardless if I told them to do so or not. They have also been calling my phone with unknown caller id 's and leaving me automated voicemails to call them back. I have saved my phone records and voicemails for proof.