davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
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: CITIBANK, N.A. (GA)

During XXXX XXXX XX/XX/ I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to XXXX XXXX XXXX regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. XXXX informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted CITIBANK to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Consumer complaint received 2019-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

When, the cosigner and I made payments the balance never went down. We tried to get a reduction in the payments or the interest rate and they declined. We did a financial statement over the phone in that was also declined. They double the payment if we would went thru the program which was 6 months. When you asked fir a forbearance they want to charge you {$50.00} dollars. But, you would not get the paperwork. I asked for a XXXX paper work they claim they sent it but never received the documents. We also asked for a payment arrangement. Which they gave us three options. Reduce interest which was about {$45.00} dollars, the second option was for bring the account current with the past due amount. Which, I told them everybody is on SSA or on FMLA. They didn't want to help us. Our last conversation with Navient was for a settlement which was 95 percent of the balance. Which, they never gave to much details on payment arrangements or how long the terms was. The amount was XXXX which couldn't help us. I notice the loan have been charge off in XX/XX/2019. Also, I notice on a letter that you sent by CFPB in XX/XX/2019 you stated on a envelope with our last name no forward address, unable to delivered. The postal office add this information. We received all of our mail by the XXXX which was provided to our customer service rep multiple times and there was a forwarding address on it. This label look made up.
Consumer complaint received 2020-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

RE : Receivables Management System ( XXXX XXXX XXXX XXXX VA # XXXX ) My name is XXXX XXXX XXXX I am XXXX-year-old XXXX woman on SSDI. As of XX/XX/XXXX I resided at XXXX XXXX XXXX. XXXX, VA XXXX ( tele ) XXXX XXXX XXXX ( 1 ) Complaint for Attempts to collect debt not owed. I was a designated user on the primer XXXX XXXX XXXX XXXX XXXX XXXX account : I had no knowledge of any debts owed or unpaid balances until it was posted to my credit report after Mr. XXXX. possible default?? ). However, Receivables Management Systems are currently assessing me interest and fees on a debt which I have not agreed to. 
( 2 ) I never received an original notice in XXXX from Receivables Management Systems, or any written notification about a debt owed. I was not afforded the opportunity to dispute a debt nor was I privy to any knowledge that I could, dispute the debt. My first notice was found on derogatory remarks on my credit report two years ago. 
( 3 ) Per XXXX Credit report XX/XX/XXXX, the actual date of Birth on collection account was not my own. The incorrect Birthday was XX/XX/XXXX. I have since corrected the wrong birthday in an XXXX   complaint. 
Per the Credit report the maximum, limit ( highest Balance ) on that account debt was {$340.00}. They have disfigured my credit report by stating I owe {$630.00}. Receivable Management Systems collector has used false, deceptive, or misleading representation in connection with the collection by falsely representation on my credit report. The character, amount, of their originators/debtor is in error. Further, as stated 15 USC 1692f 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I have not ever agreed to pay interest or fees to XXXX XXXX or Receivable Management Systems.
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CA)

I submitted a prequalification application for a home loan at US Bank on XX/XX/22. This was for both me and my husband. The online application said that my credit would NOT be affected and that no hard inquiry would be done, that it was only the first step in the process. However, a hard credit inquiry was done immediately, for me and my husband. I was alerted to it that day through my bank. I looked up the information on XXXX. It said " XXXX XXXX '' had run my credit. I don't know who that is but I think it's associated with US Bank, because at the bottom of the report it says, " Real estate on behalf of Us Bank Home Mortgage. '' A loan officer named XXXX XXXX at US Bank was assigned to me automatically when I submitted the application and I immediately emailed him. It's now been two days and I've written him XXXX times and him and his manager XXXX XXXX together once, and they are completely ignoring me. I called US Bank nine times today and three times yesterday, and no one will explain what happened or fix the problem. I can not reach XXXX or XXXX. I called XXXX today XX/XX/22 to ask how to dispute the hard inquiry. I told them that I have already disputed it with US Bank and they are not answering me. ( In the emails I specifically told them that I am disputing the inquiry and asked that it be removed for both me and my husband immediately. ) The employee at XXXX said all I can do is ask US Bank to fix it because XXXX can do nothing. I do not believe that's true. I've asked how I can dispute this directly with XXXX, if I should mail a letter or something, and the person said it is impossible. She also said that any inquiries by US Bank are " authorized by law '' which does not make any sense. US Bank specifically said in their application online that this would NOT happen, and I told them that I did not authorize this or have any knowledge of it happening until it showed up on my credit report. Law does not authorize running credit without the consent of an individual. I do not know what to do and my credit score has already gone down by XXXX points.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (CA)

I have been a customer of your Netspend Debit card for many years and up until now, I have been happy with the service. Until this past XXXX, when {$350.00} was stolen from my account and Netspend did an investigation and determined that they could not find any evidence to prove the money was stolen. Even with my card, I am only allowed to take off {$300.00} per visit and up to {$940.00} maximum a day. But the person who copied my card was able to get off {$350.00} at the XXXX  XXXX XXXX ATM in XXXX XXXX. When I tried to get more than {$300.00} in a single transaction, I am told that I have gone over my limit for the day. So I try again for just {$300.00} and it works. I usually take off {$300.00}, {$300.00}, {$300.00}, than {$100.00} for my rent. ( You can see my past transactions in my account summary ). FYI, I have already spoken to XXXX about their card reader they have on the outside of their bank and told them I think it is a phony, and they agreed to check it out. The last time I went by there, they were performing maintenance on the door and the card reader, so at least they took me serious and it has probably affected others. 

I did exactly what I was told to do. I reported that I got an alert that {$350.00} was taken out of my account in the middle of the night while I was sitting on my couch at home and I went on line and saw that it was taken in the middle of the night. It was posted on Saturday, XX/XX/2021 in the evening at XXXX in XXXX XXXX ( Details attached ) from the above mentioned XXXX. 

They immediately reported the card stolen and closed that card and re-issued me another one. They opened a claim to find out what happened. They said it would take a month, in which it did and they said they would come to a conclusion on XX/XX/2021. I called them on XX/XX/2021 to find out what they found out. 
They determined that the money was taken out of the same ATM that I frequent ( no kidding ) and that my pin was used to get this cash. I dont see how that is possible, since I had the card on me and NO ONE ELSE HAS MY PIN NUMBER. 

So I what I would like to know is, are any of you going to do something about this and really investigate and give me my money back or do I have to take this to court and sue XXXX, XXXX XXXX XXXX XXXX XXXX and Netspend, because it is now NOT about the small amount of money, its about an institution ( Netspend ) that I have used for many years and have trusted with my money, now saying I am a liar and a thief. 

Just a matter of fact, I have worked with and continue to work as a Legal Assistant in one of the most largest and prestigious law firms in California and the country and have many contacts here who would be happy to help me in my defense. This not a threat, but an absolute fact. 

I await your response. Thank you
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

XXXX recently merged with PNC. I had a mortgage with XXXX, which transferred over to PNC in XXXX. PNC then created a virtual wallet account without my consent and started a monthly auto draft from this virtual wallet to pay the mortgage, which I also did not consent to. This auto draft could not be seen or managed on the PNC website. I paid my mortgage on XX/XX/2021 via ACH withdrawal from XXXX XXXX ( {$8400.00} ). Even though the payment went through just fine, PNC still withdrew the full mortgage payment amount from the PNC virtual wallet on XX/XX/2021. They then sent me an email saying that the wallet was now in overwithdrawal and demanded that I deposit over {$8000.00} within XXXX hours or get a overwithdrawal penalty - even though I did not authorize this extra payment on the mortgage. 

I called customer service, who said that they could not stop the payment. They said that I would be penalized with overwithdrawal fees if I did not deposit {$8000.00} within 24 hours. They also said that they were unable to stop future auto drafts from the virtual wallet on their end- they would have to forward the request to another department, which would take approximately 3 days to cancel FUTURE payments. They are FULLY aware that customers can not see or manage this auto draft on the website.
Consumer complaint received 2017-12-12
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. (LA)

I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me :
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

Folks I initiated a wire from Chase bank USA on XX/XX/930 XXXX  pst for XXXX usd to my account at XXXX XXXX and the funds have been lost. 

Chase is suggesting the wire went through and I dont see it arriving in my incoming account. XXXX is suggesting chase should follow up and they are unable to.
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

XX/XX/XXXX I purchased a XXXX refrigerator from Sears. It was not used until XX/XX/XXXX. At that time it was not cooling. I contacted Sears about repair or replacement. They sent a repair technician. XX/XX/XXXX, Sears technician said the brand, new refrigerator needs a compressor and rescheduled repair for XX/XX/XXXX. I called every Sears contact, including Sears Corporate Office and explained that I had an urgent need to provide tenants with refrigerator sooner that the 2-week time. I even begged to borrow a scratch & dent fridge! Sears consistently responded that they would not take the fridge back beyond 30 days. I requested that they remove the fridge from my property. 
XX/XX/XXXX Sears technician decided that the compressor was not the problem and he needed to order a timer and thermostat. XX/XX/XXXX, technician said all parts did not arrive and he must reorder the thermostat. More repair appointments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The repair scheduler was surprised that Sears did not replace the fridge. I kept calling Sears to replace the refrigerator. The CSR offered me {$50.00} discount. I declined and request that they remove it from my home. I paid other unrelated charges on my account and informed Sears that I will not be paying the balance of {$290.00} which I attributed to the partial cost of the fridge. I responded to Sears ' complaint form of XX/XX/XXXX, reciting these allegations. They decided that I am responsible for the balance-not because the fridge is useful, but because they were not contacted in a timely manner!! Citi informed me that they sold my account balance to Collections ; XXXX XXXX XXXX, XXXX. The fridge is still useless and is waiting in my home for Sears to remove it. I am particularly upset because I firmly believe Sears would not have dumped their defective product out on XXXX XXXX or in XXXX and compel those consumers to pay for and keep a refrigerator that they can not use. But people in inner city XXXX are easy, defenseless targets to exploit. This is highly offensive. 
4 documents attached. 
Thank you.
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

my mortgage was purchased by Mr. cooper from XXXX on or about XX/XX/XXXX. my taxes were escrowed and to be paid by the mortgage company. The taxes due on XX/XX/XXXX were not paid by either company. I have now received a letter dated XX/XX/XXXX from the XXXX County Indiana auditor where they will start garnishing my wages XX/XX/XXXXdue to these unpaid taxes. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX without any success in finding out when this issue will be resolved.
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

I have set up payments with XXXX financial and someone goes in a changes the date of my payment for their benefit. I set up a payment through my ACH to be ran on XX/XX/XXXX. The XXXX was processed for XX/XX/XXXX. I reached out to them to let them know about this error but no explanation was given. It happened again, I set up payment to be ran on XX/XX/XXXX but it was ran on XX/XX/XXXX. This company is known for shady practices, their employees are rude and move around customers payments to benefit them and their numbers.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (VA)

On XX/XX/XXXX19 I spoke with the branch manager XXXX XXXX and she informed me that my account was past due. I had my daughter call contact and set up a payment for the two months that were behind and gave Ms. XXXX permission to speak with my daughter about my account. Once the payment information was submitted Ms. XXXX and her associate assured me that she would contact the collections attorney XXXX XXXX and let him know that the account was up to date. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX. I want the warrant in debt dismissed and credit report fixed. As of XX/XX/XXXX Mariners is  showing the account as closed. Well today I get a warrant in the mail saying the account is in default. The only payment that I owe is for XXXX
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

CHASE BANK COLLECTING AND HOLDING MONEY ILLEGALLY AFTER LOCKING ACCOUNT My chase account over 15 years was hacked. When I noticed the bank had moved {$3000.00} from my checking to savings I immediately moved it back and changed my user name and password. The following day the bank said it prevented a {$1000.00} dollar withdrawal and another for {$200.00} +. 
The Bank then locked my account and told me to contact the fraud department, which I did. After an hour of verifying who I was the fraud manager told me to contact another number to set up a new account the next day. I followed his advice and was told they would not open another checking and savings account for me, and that I had to come in to a local branch. I retired overseas 8 years ago and have thus far transacted all my money transfers online. The cost of flying back to the US is prohibitive since I live on {$700.00} social security and {$300.00} XXXX veterans pension. 
My XXXX year old mother was a signer on the account and held a complete Power of Attorney, which chase refused to accept in order to open a new account in my name. So chase opened an account in her name with my social security checks and VA XXXX checks going into her account WITHOUT MY PERMISSION. And even now chase refuses to allow me access to my own money going into another persons account. That should be illegal, if it isn't already. This situation really needs to be remedied ASAP. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from Transunion. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per XXXX XXXX who is managing my Student loans. My account is in good standings. There was never any late payments on the account.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (OR)

Had previous issues with NOT receiving billings, not being notified issue with my account and payments paid not being taken out as keyed in. Had to pay XXXX XXXX  account on XX/XX/XXXX via registering my bank account and keyed in payment of {$53.00}, so that I could pay account in full by XX/XX/XXXX ( equal payments for three months ). However, wasn't notified that payment NEVER went thru, until received email saying check my statement today, XX/XX/XXXX. Saw, when finally go into account online, that I was being charged {$27.00} late fee. Called Macy 's and was told wouldn't reverse fee per supervisor. Asked again as issue was with THEIR system not taking the payment out I designated and had to register for. Then told supervisor would only allow {$14.00} to be reversed. Stated needed to speak with someone to contest this as I was NOT responsible for their system issue. I did everything I was supposed to to set up the payment and that I HAD paid as I have a checks and balances system, so that when a payment is made I check it off, and it showed on my calendar that the payment was made. The supervisor then got on the phone line and stated we were being recorded for COLLECTIONS!!! So I am contesting the {$27.00} late fee, and any negative statements sent by Macy 's to the credit reporting bureau. I wish this to be looked into and the fee reversed and any derogatory remarks removed from my credit report, as the statement says I have till XX/XX/XXXX to make a payment.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (SC)

The company is abusing my credit by purposely reporting my payment status as 30-59 days past due this month of XX/XX/2019 when it is less than 10 days past the due date. They are using this as a tactic / aggressive collecting.
Consumer complaint received 2020-12-12
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.