davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/2016 a check was sent to Macy 's to payoff my account. The check was cashed XXXX/XXXX/2016 but never applied. XX/XX/XXXX I telephoned customer service and was instructed to send a copy of the front and back of the check, which was done. On XXXX/XXXX/2016 the money had still not been credited so I sent and email. I was informed the payment had been located and would reflect within 5 days. After 7 days the payment still had not reflected ( in the meantime, I have continued to make additional payments to avoid late charges. ) I was sent an email XXXX/XXXX/2016 that I would have to wait until the next billing cycle which is another month. I have continued to be charged interest and monthly payments throughout this process and am also due a balance since there is now an overpayment of about {$120.00} once they apply the payment.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

On XXXX 2015, I and my wife went shopping for a dryer and washer at Sears. The sale person told us that Sears was having a promotion no interest and no payment for 12 months. We decided to buy a dryer and washer and he explained to me the terms verbally and told me that I do not have to worry for 12 months and the credit card department will send me the documents and the statement when the payment is due. 

Sears Credit department never sent any document to me and after 6 or 7 months I began wonder but not worried as the sale person told me that I did not have to worry about the payments for 12 months. However, on XXXX XXXX and XXXX, 2015, I called them anyway just to check why they did not send anything to me. When I called they said they sent the documents to my address and I asked which address, they refused to tell me and they said I have been late. I got upset and disputed with them but they said it is too late. The only thing I could do is to go to talk with the sale person who explained the term to me as them to clear it. I went to Sears. They said the sale person no longer worked there but they advised me to pay it off so that my credit report was not affected. I got no choice but paid everything off on that day. They said they cleared it and I should not be worried about my credit report and they fixed it in they system. 

Now I am planning to buy a house and checked my credit report has the information of late payment with Sears and they said I was late for 150 days, which is not even correct. I am requesting for help in clearing this from my credit report. I have never been late with any other companies as you can see on my credit report and this was because the confusions that Sears had created. Please let me know if have any questions and my cell phone number is XXXX XXXX XXXX XXXX if you need to contact me. Thanks for you help.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AR)

On the evening of Tuesday, XXXX XXXX, 2016, my credit card wallet was stolen from the locked trunk of a family member 's vehicle. One of the cards stolen was my Citibank-issued Sears MasterCard. While at the police station, waiting to file a report, I began contacting my credit card companies by phone. I tried three different times to contact Citi/Sears about that card. Each time, I was put on hold for too long. ( And as it turned out, I WAS calling during " open '' hours. ) I continued to work on cancelling cards until I was released from the station and sent on my way home. Once at home, I contacted XXXX XXXX Services, through which I have the XXXX plan. Because my Sears card was registered with XXXX through XXXX, XXXX was able to have my Sears card blocked. HOWEVER, it must have been just a matter of timing, because before the card was stopped, I was hit for {$3600.00} in fraudulent charges at the local XXXX. I did not become aware of this until the morning or early afternoon of Saturday, XXXX XXXX, 2016, at which time I attempted to contact Citi/Sears. My initial point-of-contact took some information from me and then put me on hold for an extended length of time. She finally came back on the line to inform me that the Citi/Sears fraud department is closed on Saturdays and Sundays and that I would have to try again to file my fraud claim come Monday, XXXX XXXX. I find it utterly inexcusable that one of the largest credit card issuers/servicers in the United States does not have XXXX/XXXX/XXXX fraud/loss services available. Once I spoke with them today, I did verify that they are indeed closed on the weekends and only available on weekdays from XXXX to XXXX CST. Again, I find that inexcusable. So, this is the complaint that I wish to submit. A credit card issuer/servicer should be required to provide XXXX/XXXX/XXXX assistance in the cases of fraud and/or loss. Thank you.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NY)

I am always on time with very good credit. I have cards with high limits. I had a Citibank best buy card that I never use w a low limi, they charged me a yearly fee I was unaware of and then reported me late. This dropped my score dramatically and is really hurting me!!
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

Unable to dispute charge. Called toll free number on card XXXX times. Each time after identifying myself, the recording recognized me and my phone number, and it accepted my " secret word '', it would say " we 're too busy right now to take more calls '' and just would give me a dial tone. So my CC company just hangs up on me when I 'm trying to do a dispute. So I called and after many questions and answers supplied to the automated system, finally I was able to get customer service. I could hardly understand the person, they had a very strong foreign accent and did not speak in complete sentences. They said the disputes department could n't take my call as they were overwhelmed with calls, and I would have to try again some other day.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I filed Chapter XXXX Bankruptcy over 3 years ago, but chose to keep my home and continue to pay my mortgage. I have been making my payments on time, hoping to quickly reestablish my credit after the bankruptcy. Unfortunately, my mortgage companies ( I have a 1st and 2nd mortgage ) have not reported my payment history to the credit bureaus, so my credit score continues to suffer. I requested that they report the history, but both say they wo n't report because the mortgages were part of a bankruptcy. Neither mortgage balance was discharged during the bankruptcy and I continued to make payments all along. My current payment history should be reported to accurately reflect in my credit scores. I 'm unable to refinance my mortgages as a result of low credit scores. It feels like these mortgage companies are holding me hostages by keeping my credit score low due to lack of reporting.
Consumer complaint received 2015-06-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Dirick, Inc. (TX)

I took a renewal loan with a finance company, after enountering a change in employment and other personal difficulties it had been difficult to pay. This company has been embarassing me over the last XXXX months my situation by going to the homes of the references I listed, one who is my ex-husband who humiliated me because these people went looking for me at his home. They visited my new place of employment and quite frankly at this point I feel very stressed out with this entire situation. This company has exceeded the word humiliate and slander. They have released account information to my realtives and references and I have no where else to turn. I do not want to keep having anxiety or contintue getting embarassing mesages from my peers or employer because of this.
Consumer complaint received 2016-11-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC (CA)

Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Ditech asumed my load that was set up for weekly automatic withdrawalso from day XXXX of my loan. Last week I got a call from XXXX of their debt collectors. He advised me I was behind in payments. After I explained I have automatic withdrawal set up and plenty of money in my account he looked and said they accidentally cancelled my auto pay infomation. He said I would have to go online to set it back up that they could n't do it on the phone. When I went online it only offered monthly payments but noted I could call and setup bi-weekly payments. I called and was informed they had eliminated weekly payments. I feel cheated because they are forcing a change in my payment schedule that I do n't agree with.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC. (TN)

We got XXXX XXXX XXXX XXXX in 2012 and after having so much trouble with it working correctly, we called them to cancel our services. They did not care at all about resolving the problems we were having with the service and was told by a representative for us to use the return shipping box they would send to us. We sent all of the XXXX equipment back to XXXX XXXX XXXX and was told that we did not owe anything on the account with them. XXXX XXXX XXXX later sent this account to a collection agency then got it back and sent it to another collection agency after a few months. The collection agency representative was not nice about anything concerning this account. They were very demanding that it be paid in full or we would deal with a crime of not paying a debt. I did not appreciate this attitude at all and this is not a good way of doing business. I would never recommend anyone to use XXXX services.
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

I was a customer of XXXX and cancelled service in XXXX 2016. I was told by the representative that i would not be charged a early termination fee because they could not get the system to work properly after XXXX attempts. They tried to run my credit card that was on file for XX/XX/XXXX and late termination fee. I disputed the charge and now they are reporting false information to credit reporting agencies which is affecting my credit status.I have spoken to XXXX and they are saying that they do n't show any collection for me. I explained to them it is on my credit report and this is falling on deaf ears.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NM)

I keep receiving calls from Transworld Systems , Inc. claiming that they are attempting to collect a debt. When I called back, they asked for my late husband, and will not tell me to whom the alleged debt is owed. There is no debt owed by my late husband, but even after I said I would file a complaint with the Consumer Financial Protection Bureau, they continue to make daily calls. This must stop.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On Friday, XXXX XXXX I was searching for a dog through XXXX and after extensive research came across a post from someone who was located not that far from me. Because I found them on XXXX which is supposed to be a trusted website, I reached out to the seller. After talking all day, she made me feel like everything was fine and I would be getting a dog soon. Come time for payment she wanted to use XXXX as it is linked to her bank account. I was under the impression that because XXXX is linked to our banks, I would be protected and had nothing to worry about. I sent her half the amount for the dog of {$350.00} and would send the other half once the dog arrives. A few hours later she says she is getting him ready to be shipped to me and would need the other half of the payment. This raised a red flag and the person I was speaking to started sounding more and more suspicious. I refused to send her the other half and everything was supposed to be canceled and refunded. She showed me a screenshot of her sending my money back but it has been 2 days and nothing. I have tried messaging the seller and it has been silent. I can not get a hold of her now. I have tried contacting my bank, Wells Fargo, and so far they have not offered any solutions. If XXXX is linked to our bank accounts, I do not understand why we are not protected against fraud and scams. This makes people not trust the service.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/XXXX I called Macy 's credit department to report my credit card was stolen along with my wallet. So they cancelled that credit card and told me they would be sending me a new XXXX in the mail. After waiting for a week to 2 weeks ( XXXX ) I finally received my card and registered it online with Macy 's and set up my alerts as I do with all my credit cards. The same day I activated and set up my alerts I get an alert about a transaction that was made at the XXXX California store. I called Macy 's and advised them that I did n't make any purchases and received the card the same day. The customer service rep told me that someone had gone into the store and done an inquiry and gained my new account number that way. So she cancelled that card and told me that she had reported it to their fraud department. She also said she would be sending some paperwork so I can dispute the charges and to send the info as it is instructed on the paperwork. XXXX XXXX I receive the my first letter so I went ahead and sent them all of the documents it asked for and filled out their paperwork and sent it on the same day. Week goes by, I do n't get any kind of response so I called and and they said to give it couple of days for it to arrive. On XXXX XXXX XXXX as I arrive from my cruise I see a second letter dated XXXX XXXX asking for the same documents and paper to be filled out as the first XXXX. I immediately called Macy 's and asked them what was going on with my account and they stated that they sent a second XXXX for charges that were made on XXXX/XXXX/XXXX. I explained how can this happen if I had called and reported the fraudulent charges made on XXXX/XXXX/XXXX and at that time they cancelled the account and gave me a passcode to better secure my account. She said she did n't know how but that she had made notes to my account. On XXXX/XXXX/XXXX I called their fraud department to get an update on my case, I learned that my account was sent to collections and will be reported to the XXXX credit bureaus as a negative account but that after it gets investigated and if found that I did n't make those charges, they would call the collection company and have it reversed. They advised this could take up to 60 to 90 days after they receive the documents they requested in the mail. All this could have been avoided if Macy 's would ask for proper identification.
Consumer complaint received 2017-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAB Receivables, Inc. (NC)

I sent a  letter to Cab Collection  agency in  XXXX  of  2017 asking for proof that said debt they are reporting is actually my debt but havent recieved anything from the collection agency as of yet proving that this is indeed my debt. I tried to dispute this with the credit bureaus only for it to come back as verified but the company when reaching out to them says that they can not find the acco unt infomation to verfiy the debt.
Consumer complaint received 2016-05-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (AL)

Prior complaint number is : # XXXX. 
I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to me.
Consumer complaint received 2017-01-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CFM Group LLC (VA)

On XX/XX/2016 I was contacted by - - of CFM Group of - GA regarding a balance of {$610.00} debt from - Global payments - about a credit card Merchand that I owe. with a business that is now closed., with XXXX - never contacted me in regards to of closing my account waited a couple of years supposed debt to CFM claiming I owe. One minutes because I closes my account one minute that I suppose return credit card machine which I do n't have Not once did I receive a notification by mail ... I call payanywhere they told me what I own is XXXX I need help
Consumer complaint received 2015-08-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (FL)

On XXXX XXXX of 2015 I went into a DriveTime dealership. They advertise being able to assist with low credit situations in which they GUARANTEE vehicle approval based on income. I feel that ever since I set foot into the dealership I was steered the wrong way due to a desperate situation. I am a new father with a XXXX week old newborn. We needed a safe vehicle prior to delivery of our newborn. They preyed on me in this situation and gave me like a 28 % interest rate on a XXXX. Prior to purchase XXXX stated vehicle was valued at about {$10000.00} which drivetime purchased at auction. Vehicle had previous accidents in which the AUTOCHECK report was designed to not tell you all about the accidents. LONG STORY SHORT, I was sold a vehicle at around 22 % interest but only after providing {$2200.00} cash down. The payments are costing me a WHOPPING {$430.00} PER MONTH ON A XXXX!!!! DO NOT GO WITH THIS COMPANY! IF DRIVETIME WOULD LIKE TO ACTUALLY ASSIST ME IN RESOLVING THIS MATTER THAN I WILL GLADLY MARK CASE RESOLVED. OTHERWISE STAY AWAY EVERYONE! THEY WILL TAKE ADVANTAGE OF YOU AND YOUR SITUATION. THEY 'RE QUICK TO REPOSSESS TOO AND THEY WILL CALL YOU A XXXX TIMES THE DAY AFTER A PAYMENT DUE DATE. THEY HAVE ALSO VIOLATED DO NOT CALL LISTS MULTIPLE TIMES IN WHICH I COULD SUE FOR.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (WA)

I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I made a reservation at a resort for ten nights in a " lagoon view '' suite and paid for it with my Chase Sapphire Preferred credit card. When I arrived and checked in, I found out that the room I had been given had XXXX twin beds and I requested a king bed. They told me there were no other rooms available that night but that the following day one room would become available which had a king bed. The hotel staff advised me that this room was on the first floor and I checked with them twice to make sure that it was the same category of room, and they confirmed that it was. It turned out that the room to which I was transferred did not have any view whatsoever of a lagoon, just the opposing building and some trees. I tried to resolve the issue with the merchant through XXXX different channels ( XXXX online, XXXX in person ), as well as posting a review online concerning the issue. The merchant did not respond at all to any of the online communications, and the person I spoke with at the resort said something like " that 's just how we categorize the rooms, lagoon and ocean view '', referring to the XXXX sides of the building, as if there was no problem with falsely advertising the room to have a view that it did not have. 

I subsequently took up the issue with Chase, providing them with a description of what had happened. First they incorrectly " investigated '' a different charge, and then they requested additional documentation from me, which I provided. Eventually, I spoke with a member of the credit card 's dispute department who claimed that because I had not left the hotel premises for the duration of the stay, that Chase would provide no remediation, even though the room description did not match the room I received and the merchant had not been responsive to repeated attempts to resolve the issue. The representative confirmed as accurate my understanding of their claim which was that, as long as I did not physically leave the hotel for the entire 10 nights, it did n't matter whatsoever what the hotel did or did n't do -- no billing adjustment would be provided by Chase. It is my understanding that this policy violates the Fair Credit Billing Act, which is supposed to protect a consumer from " charges for goods and services you did n't accept or that were n't delivered as agreed. '' Among the documentation I had provided to Chase for the dispute investigation were XXXX photos of the room 's ( lack of ) view, the original booking confirmation which explicitly states that it was a reservation for a lagoon view suite , and excerpts from the hotel 's website describing the wonderful views that are supposedly part of this room category. This establishes quite clearly what service was agreed to ( a " lagoon view '' suite ) and what service was received ( a " not lagoon view '' suite ).