davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I disputed a car loan From XXXX that i had no knowledge of and they told me to contact the creditor. I sent a letter to them with no response back. I contacted Equifax to let them know by mail what happened and they never responded to my dispute. Inquires that are unauthorized from XXXX XXXX XXXX was not my request and i disputed them and i got a blank letter with only my address and noting about my dispute on it after 45 days from Equifax.
Consumer complaint received 2016-12-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

My loan account with Navient is set up to automatically draw from my bank account. The amount withdrawn is greater than the minimum payment for all of the loans combined each month ; however, every month for the past number of months I have been charged a late fee. I contacted Navient and was informed that there was an issue with the allocation of payments, leaving some loans overpaid and some underpaid. They assured me that this would not happen again, yet it continued. For the months I did not realize this was happening, it negatively impacted my credit score. Although I was reassured monthly that this would not happen again, it continued happening.
Consumer complaint received 2017-01-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc. (OR)

Filed a recent complaint pertaining to same issue. Dyck O'Neal has continued to erroneously report my account late for the last 2.5 years. I am paying them on time and have been for the past 2.5- 3 years. Balance is almost paid off and I am in the process of buying a new home and am not able to due to all the lates they continue to report every month. Every time I call customer service they are rude and do n't provide any assistance they only yell at me.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

This company has filed a collection against my XXXX and XXXX credit reports for XXXX XXXX XXXX. I have not ever had services with this company and ask that this collection account be removed from all credit reporting agencies ASAP. I did not authorize any services with the company they are collecting for therefore this item needs to be removed,
Consumer complaint received 2016-01-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WA)

Equifax is reporting a closed collection account as an open status collection. The account was included in a Chapter XXXX Bankruptcy and the debt was discharged. This open account status is harming my credit score for having XXXX open collection. I religiously review my credit on credit karma.com. I have disputed the status XXXX or more times in the past 2 years, called Equifax and complained & contacted the creditor, XXXX XXXX. When I called Equifax , I was told to open a re-investigation, call the creditor, & that the included in bankruptcy & discharged status is a closed account status yet Equifax will not report it that way. I have received tons in credit denials because of this open collection that is not open. The problem lies with Equifax. They report all of my other collections or debts included in the bankruptcy as closed status accounts. They also are reporting accounts 7-10 years old. This account shows {$0.00} balance. The account status should report correctly as a closed collection account. The other credit bureaus report this account information correctly.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OK)

Previously, I submitted a complaint with Equifax about negative reporting from XXXX ( XXXX ), and they said if new evidence was found, I could open a complaint. 
I found more evidence and submitted a complaint XXXX XXXX XXXX, this is pending. HOWEVER, I now have even more evidence to remove the unfair negative reporting : I contacted XXXX to get the original dates of the negative reporting ( XXXX ), and would like to add that to the original dispute ( XXXX ). 

XXXX provided dates of the original debt, which was last paid in XXXX 2008 : 8 years and 1 month old. Even if XXXX or XXXX bought a debt from XXXX, they should not be able to report negatively on an item OVER 8 YEARS OLD.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

There are XXXX inquires on my Equifax report that are not mine. I never authorized these inquires and I have called time and time again and also went on like to have them removed from my report. I want my credit report to be as accurate as possible. 

Attached is a list in alphabetical order of all inquires that were not authorized.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (CO)

I applied for a discover card to transfer XXXX balances from other cards. I was denied the card. At that time I was asked if I wanted a different card with a smaller credit limit. I agreed to a limit of {$2200.00}. I did not want to transfer any balances to that card and was not asked if I wanted to do that. However shortly after I recieved my card I was notified that they decided to do a transfer of a partial balance from my XXXX card ( which has a lower interest rate ) to the card they issued and added fees that maxed out the discover, ( all but {$47.00} ). I contacted them several times and told them I did not appreciate their bait and switch practices but I would pay off the balance at the higher interest rate then my XXXX card but they would have to cancel their predatory fees. They refused and now I am appealing to you for fairness. XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

XXXX XXXX {$10000.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$10000.00} {$10000.00} Payment Info Status Paid or paying as agreed Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$10000.00} Monthly payment {$280.00} Late payments - No payments have been reported on this account. 

XXXX XXXX {$34000.00} Balance updated XX/XX/XXXX Unknown payment history
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

Hello, I called the  XXXX  representative about the interest charged during CY   XXXX  . I pay more than the minimum balance each month and I am being told that a 6 month promotional offer expired and I was charged interest for not paying the card in full in addition to the revolving balance I carry each month. The representative says the card works this way as any no interest term offer is automatically offered to members and interest is charged if not paid in full and is indicated on statements. I paid a total of {$670.00} to date in  2017  and was charged {$420.00} in interest. Please investigate.     Thanks,  XXXX   XXXX   (  personal cell )  XXXX  ( office cell )
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (ND)

XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states " Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}, I contacted my bank and asked why I had not received it. They stated that you can only receive the bonus once a lifetime. I believe this to be deceptive since that is not stated on the " Redeem Rewards '' screen.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

A judgement on my credit was satisfied XX/XX/XXXX. I have faxed the court record proving this to XXXX and Equifax. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SIMM Associates, Inc. (GA)

The company, Simm Associates, continues to call our home repeatedly after we have told them that we are not the debtors whom they seek. They call at all hours and are unresponsive to our requests to take our phone number off the call list.
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TN)

On XXXX XXXX 2015 i applied for a credit card with XXXX XXXX. The application was denied and the rejection email that i received, stated that their decision was based on information they had obtained about me from Equifax. I decided to check my Equifax credit report and found a massive list of prior addresses that do not belong to me. The only way Equifax could have received those unknown addresses are from old collection accounts that were improperly reported years ago. There is also a ( fraud alert ) listed on my Equifax credit report which i did not give my approval for them to add. I have disputed the unknown addresses and Equifax refuses to remove them from my credit report. They also refuse to remove the fraud alert which should not be on my report at all. The only address they should have on my file is XXXX XXXX XXXX XXXX XXXX. The only phone number they should have on my file is XXXX. I want the inaccurate information removed from my credit report. Everything else on my report is accurate.
Consumer complaint received 2016-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Aargon Agency, Inc. (CA)

I hired a Attorney to defend me in a civil case. 
Attorney Charge {$3000.00} I pay {$1500.00} in one payment and {$100.00} dollar payment. I made 5 payment. I called the Attorney to find out who the case was going and he never provide me prove, nor case was file. Attorney told me my case never made it to court and I ask him for prove of his work, he refuse to provide prove. 
I told the attorney. No case to continued no more payments to his office. 2 year later I get calls from a collection agency that I had a Medical collection to pay. I get calls at home and recordings that I should make payments or they will take me to court. Recording disclose I should call investigator on this case, or I will be prosecuted. I called AARGON AGENCY time to find out is the collection agency making the calls. Collection agency is going after me for a medical collection.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Bliksum, LLC (CA)

They send multiple emails a day with different information even after i contact them and tell them i will get back to them at work. Contacted me at my place of work even after i asked them not to, and on one instance even refused to let me get off the phone, instead asking me " what kind of person i was, '' to ignore a debt. I did not ignore the debt, i asked them to contact me at a later time and that i was working. THey were persistent and rude. Now, they still call me multiple times a day. I 've explained the situation and that i am trying to pay them, to no avail. They still call multiple times a day and send conflicting email messages. It is disconcerting and makes me not trust them.They 're collection practices constitue harassment.
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Home Loan Center, Inc. (NY)

My issue is lending tree was who handle all my home buying and assist for all kinds of situation about rates or low price and affordable for monthly payment procedure. And I need to moving process to start and guide me a soon as possible actually I got a call early and asking me about home, it 's a lender mortgage but a want lending tree will participate for conversation to negotiate in my behalf.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Home Point Financial Corporation (FL)

I applied for a refinance cost out mortgage in XXXX 2016. I was conditionally approved within a short time. I have not been able to close on this loan, for reasons I believe are pretext to disguise discrimination on the basis of my age, XXXX, and race, XXXX.
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AP)

From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and active duty member is serving his country overseas and I have to tell him this disappointing news.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: VeriCore, LLC (FL)

Unannounced, they came into our place of business and started taking pictures. We are not a public-facing company. We are a private call center. They startled my employees. Would n't leave when asked. One girl went home crying. We threatened to call police and they said they had the right to be here. We started calling police and they left real fast.
Consumer complaint received 2020-10-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I have called and emailed Kia Finance about my new vehicle loan at least four or five separate times regarding excess payments I've made to my loan. The first five payments I made were more than the required monthly payment. The additional amount is to be applied to the principle balance of the car note. On at least four separate occasions I have called and asked that the additional payments I made be applied to the loan balance and not credited to future payments. Each time I call, I am reassured that the payments will be corrected and I will be notified when it's complete. I'm going on month seven of my loan and none of the additional payment amounts I made have been applied to principle. My requests are simply being ignored.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

XXXX is mis reporting the date of last activity to Experian and XXXX for my old mortgage. The true date of last activity is XX/XX/XXXX however, on Experian and XXXX it is reporting XX/XX/XXXX.
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

In trying to verify that all XXXX credit reporting firms reflect closed accounts and have CLOSED their credit reporting files on my husband 's file ( deceased XX/XX/XXXX ) I have found credit INQUIRIES were twice made by " XXXX XXXX XXXX '' in XX/XX/XXXX-XX/XX/XXXX ... ... ..which I presume to be XXXX XXXX. After today 's news regarding XXXX XXXX 's MASSIVE fraudulent practices I am presuming this was a 'test ' to see if they could tap into possible open XXXX accounts or?????? For certain HE was not alive to ask for ANYTHING requiring a credit inquiry to Experian or any other firm as ALL accounts were closed/terminated by XX/XX/XXXX. 
I am having problems getting deceased husbands credit files CLOSED!!??
Consumer complaint received 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (AZ)

I keep getting calls from Trans World Systems, XXXX. I have told them on at least two occasions that they have the wrong person and phone number but the calls continue. In their recorded message they refer me to an XXXX at an XXXX number.
Consumer complaint received 2023-04-14
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX, has violated my rights a. 15 U.s.c 1681 section 602 A. States I have the right to privacy b. 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (NJ)

I canceled a previously booked room in XXXX XXXX more then 45 days before arrival. 
The company XXXX XXXX XXXX tried to say it was not refundable even thought they advertise full refund if cancelled more then 45 days in advance. 
Citibank originaly credited my account after I filled a dispute with them on the charges. 
Then XXXX XXXX XXXX sent them paperwork telling lies. I sent Citibank supporting documents showing the lies and they contacted XXXX XXXX XXXX. Since they never responded back Citibank closed the case with me not recieving any refund.
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Opened a Citibank account on XX/XX/2016 under a promotion of receiving {$400.00} for depositing {$15000.00} within 30 days and keeping it there for 30 days. I opened the account online through a promotional page for the offer. Deposited {$15000.00} on XX/XX/2016. The terms stated that I would receive the bonus 90 days after completing the requirements. I called on XX/XX/2016 about the status of my bonus and was told that I should receive it on my next statement. However I did not receive the bonus on my XX/XX/XXXX statement. I called and they refused to give the bonus and say they need to perform research. There are clear systematic inconsistencies with their account opening process as evidence by the large number of CFPB complaints for this same problem.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

I have held a Sears Mastercard for several years. I have not used the card recently because the terms of the card are not competitive. The card was recently up for renewal, and Sears sent me a new card. When I log on to the web site I receive XXXX messages -- the first says I was sent a new card and need to activate the card. When I activate the card, I am told the card has already been activated. The XXXX message on the web site says my account has been closed. 

I sent a message to Sears via their web site requesting status, and was told my account has been closed. I have not been notified to that effect via any method such as a written mail notice.
Consumer complaint received 2015-10-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (IL)

I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again.