davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (HI)

Summary : My credit card and account was frozen 5 times without valid reason. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transaction. Unfrozen. 

XX/XX/XXXX. XXXX freeze, contacted Citi, validated the suspect transactions. Most were face to face transactions of under {$50.00}. The triggering transaction was a face to face {$20.00} purchase at an orchid farm in my home state. Another mentioned suspect transaction was a {$12.00} face to face purchase at a local bakery. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi, validated the suspect transactions, the same ones from the XX/XX/XXXX call. I escalated this recurring unwarranted freezing to a supervisor who stated the prior agents did not properly close out the suspected transactions. He stated all is good and it wouldn't happen again. 

XX/XX/XXXX. XXXX freeze, online account locked out, contacted Citi. Agent stated account frozen due to malware warning on online account and unable to provide further details on the time and place of intrusion. I escalated this to a supervisor who clarified there was no malware, but the reason the account was frozen was a procedural need to change my username and password, which should have been communicated by the prior Citi agents and supervisor, which were not. 

This continual unnecessary overzealous freezing of my credit card and online account, exacerbated by a series of comedic agent and supervisor procedural errors, needs to be brought to light. 

Citi has all to benefit from overzealous freezing of accounts, at the inconvenience and cost to its customers, for me it was over 2 hours of phone calls ( attached is a call log to Citi 's customer service from my mobile, which doesn't include calls to Citi 's fraud, eservices and other calls ) and an additional 2 hours unlocking and recreating my online account several times. Standards should be set on the suspected transactions and amount of freezes.
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SUNTRUST BANKS, INC. (TN)

I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments. 
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. Thank you
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

The credit report shows some bogus number for the credit usage ( 285 % ) which is completely wrong. It even can not be possible for obvious reasons. The reason its wrong is because the " total credit '' number used in the calculation is wrong ( much lower than it should be ). For whatever reason Experian did n't include some of my credit card accounts ( with low or XXXX balance ) in that calculation. My current credit usage should be somewhere around 30 %. 
This error severely affects my credit score. I have called Experian to correct the error and they promised that that action will be taken within 48 hours and then nothing happened. I called again, once connected I requested the call to be escalated to the manager. After 20 min of being on hold my call got disconnected. I called again, went through the same ordeal of explaining the issue and being put on hold waiting for the call to be escalated. After 30 min on hold I was told to send a screenshot of the error ( as if they do n't have access to my account! ) and was told that they can not give me ANY time frame on resolving the issue.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX  XXXX  XXXX  XXXX Balance : {$720.00}
Consumer complaint received 2022-11-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX EQUIFAX JUST XXXX OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A XXXX GOVERNMENT XXXX AND NOW EQUIFAX IS XXXX IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING XXXX  FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


XXXX is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious XXXX  to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These XXXX  at XXXX has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say XXXX  owe. I demand an investigation and I demand for a response to these allegations. XXXX not XXXX XXXX let this go XXXX  XXXX  up there in XXXX nobody will anything about it but I have a voice too and XXXX going public on you and your XXXX  ambulance chasing company. You broke the law and justice will be served. Wait for it
Consumer complaint received 2020-12-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC (CA)

Title loan company is not allowing me to pay off my loan not giving me a payoff stalling steering me into hardship raising my interest rates because I can't make my payment on time because of covid-19 devaluing my property by slamming my credit and raising my interest rates now my property is worth nothing sent me into hardship andharassment on the phone not ever giving me a monthly statement nor telling me they're doing inquiries on my credit absolutely everything is verbal this company is running extortion on me and extorting money by threatening me for repossession of my vehicle.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I paid my XXXX XXXX account off. it is showing paid in full. 

I paid my Limited account off in the same month in XXXX. It is also showing paid in Full both accounts are closed and the limited stores are closed across the country. 

Another account XXXXXXXX XXXX  Paid in full sold to XXXX and XXXXXXXX XXXX XX/XX/XXXX Affiliate name : XXXX XXXX acct number ending in XXXX File number XXXX DEBT PAID IN FULL I FILED BANKRUPTCY IN XXXXXXXX XXXX XXXX IN XXXX COMPLETED THE XXXX XXXX XXXX XXXX, THER HAS BEEN SOME CREDIT CHALLENGES OVER THE YEARS BUT MY CREDIT IS MY LIVELY HOOD. THERE WERE PERIODS WHEN MY DEBT SUPER CEEDED MY INCOME AND I WAS IN BETWEEN JOBS FROM XXXXXXXX XXXX XXXXXXXX THIS CAUSED A DECLINE IN MY INCOME AS WELL AS LACKING THE FINANCIAL MEANS TO COVER SMALL EXSPENSES. MY XXXX XXXX  IS SHOWING ON THE CREDIT REPORT AND DUE TO THIS I AM UNABLE TO SECURE HOUSING OR OBTAIN A SECENT INTEREST RATE IN THE EVENT I BUY A HOME. MY CREDIT SCORE SEEMINGLY STAYS IN THE LOW XXXX AS THIS HAS BEEN THE CASE FOR MANY YEARS NOW. THIS IS UNFAIR PRACTICE WHY IS IT NESSCESARY FOR A DEBT TO LINGER AFTER IT HAS BEEN PAID PENSES
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

I spoke with someone in the claims department and explain how one of there branch manager missed handle my business and personal accounts and there is XXXX missing. All I want is my reimbursement plus interest dude to late payments because the money was not in my account do to them giving my account information to someone else.
Consumer complaint received 2023-01-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

I had a checking account will wellsfargo and they closed my account because they said it was fraud activity on my account and took my tax check XXXX my work check XXXX and my stimulus check of XXXX in XX/XX/2021 I am a victim of identity theft .and wellsfargo. Sent me a letter stated that and said they some one was trying too open up a new account in my name
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

This Complaint is directed towards XXXX, Experian and XXXX. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX XXXX  removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (MD)

Hello, Im a XXXX veteran unemployable. My wife and I were able to purchase a brand new car from XXXX in XXXX Delaware. We received the car in XX/XX/2016.Approximately 2 months later we received the loan papers from Ally auto financial company. They were requesting 2 payments right away, and the third payment was coming up due shortly. The 2 payments would have been $ XXXX {$460.00} ( upcoming 3rd payment ) .To speed up this story, I have been in constant contact with them. This week XX/XX/XXXX, I spoke to my loan manager, XXXX . I advised her I will make a payment within 2days. On Saturday morning XX/XX/XXXX, at XXXX I spoke to a XXXX ( male ) and he transferred me to the payment line. I made payment and received a confirmation number. Before he transferred me I advised him, the same thing I told XXXX. I said after this payment, I would make a payment on XX/XX/XXXX. Approximately 2 1/2 hrs later, my car was being repossessed! I spoke to the tow truck operator and he obviously saw I was XXXX. I advised him I paid for the car earlier and I need to go back into my home and get the company on the phone and I would get the keys. Approximately 2 minutes later, I returned to the outside and my car was gone and you can see on the loose rock the car had been dragged! I did not find and business cards anywhere. I spoke to a female who answered the phone for Ally, she said she had no idea why this happened!? She tried Call XXXX the repo company. Unable to? I need help desperately. I respectfully request your help. FYI : I had constantly informed different call takers I am a XXXX veteran. I. Said I got the loan papers 2 months after the car was bought and I asked if the 2 months could be placed on the back end of our loan. I was told, I would have to have 6 months paid, before they could even consider the request.?? Therefore, Im 2 months behind. I believe the loan company is a bad practice business and they need to be dealt with. They are bullies. I understand I need to pay my bills, but how can I pay when the company is setting me up for failure!!!!!! On the other hand, the repo company acted in a bullish, destructive manner. I am a XXXX and proud to have done so, but I did not fight for bullies and loan companies who place consumers in a failure modeMy XXXX took pictures of the loose loose stone. Please help me. I need to have my XXXX drive me to my points in the car. Thank-you.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TN)

I sent a letter in to Experian, to have some things disputed on my credit. Mind you this is not the first one that I have sent. I received a response from them stating that they will not reinvestigate some of the information. I find multiple problems with this one being that I never got proper validation from them proving that the alleged debt is mine!
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (FL)

I used my mobile app to make payments of {$100.00} and {$2300.00} on XX/XX/20. Both payment were returned. I called the customer service and was advised to go to the bank which wasn't open due to covid19. When i finally got to the bank they advised to call the credit card customer service which bounced me around for 2hrs on XX/XX/20. I was issued some credit for returned check fees according to 1 rep but they can't find what the problem is. This was after my previous calls went unanswered and they told me i had to pay because it was my mistake and they had already issued a credit in the last year ( this was also a problem with them processing ). My credit score during this time has taken a huge hit for their mistake and i need a letter from them stating transaction error but they are too busy blaming each other to help. I need the letter to send to the credit bureaus to fix my score so i can get a better rate. They will also hold me accountable for this when the money was available and the bank screwed up. I have never missed any payment of any type. Please help.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The fraudulent account that Equifax placed on my credit report stems from a child support case that has been closed years ago yet equifax is still reporting this as a negative account. I have a signed court order from the judge releasing me from this debt.
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This Complaint is directed towards XXXX, XXXX  and Transunion. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX XXXX  removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from XXXX XXXX.
Consumer complaint received 2016-01-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (OH)

I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NC)

JPMCB - United Mileage Plus Awards card. Credit limit since open has been {$17000.00}. Account used and paid off monthly. JPMCB reduced credit limit to {$8900.00} due to low utilization. Stated that hard copy letter mailed to address. Letter never received. Refused to restore credit limit without hard credit inquiry ( double penalty to credit score ), although original CSR stated that they could have returned credit limit if I had contacted within 30 days of letter ( currently around 45 days ). Can not respond to letter that I never received. Only notified through credit monitoring service ( XXXX  ). No copy of letter available on online account to reference either. Would cancel card, but that would hurt credit even more than maintaining at lower balance. Request that limit be restored to previous without additional credit inquiry. Nothing has changed in credit report to warrant reduction.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (WA)

They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the XXXX law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.
Consumer complaint received 2020-08-05
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$110.00} XXXX   XXXX {$100.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX {$210.00}
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

The company has erroneously duplicated an accident event resulting in having to pay a higher car insurance policy. This has been disputed in the past ; however, the company has not made efforts to correct the information contained in my driver 's record.
Consumer complaint received 2022-08-25
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, WELLS FARGO XXXX Date Opened : XX/XX/2018 Balance : {$5800.00}