davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (KY)

I opened a checking account with Discover Bank on XXXX XXXX, XXXX during a promotional period that offered a {$300.00} reward for opening a Discover Cashback Checking account and making two direct deposits within 90 days of account opening. During the online application process I saw a notice confirming that the promotion had been applied, but I also called shortly after I had finished applying and had a customer service representative confirm my eligibility for the promotion and that it had been applied to my account. I completed my second direct deposit on XXXX XXXX, XXXX and waited a whole month before calling Discover to ask about the promotional reward ( the offer stated it could take up to 30 days after the second direct deposit to process the reward ). On XXXX XXXX, XXXX I called Discover to inquire about the promotional reward and had a representative confirm both my eligibility for the promotion and that the requirements for the promotion had been met ; the representative said he or she would submit a ticket to the department handling promotional rewards so that I could receive it. After not receiving the reward for several days, I called discover again on XXXX XXXX XXXX and was told the same thing as the call on XXXX XXXX : that I met the requirements for the promotion and that he or she would submit a ticket to the department responsible for issuing promotional rewards. After not seeing the promotional reward or hearing from discover bank for nearly 3 weeks, I called again on XXXX XXXX XXXX and was soon connected to an account manager. The manager I talked to on the XXXX told me that although the promotion had been applied to my account and I received confirmation and met the requirements for the promotion, that I was ineligible for the promotion because it was " targeted. '' I asked the manager to elevate the issue to someone higher and she told me she could file a feedback request on my behalf, but that was the end of that. I have yet to hear back from discover and fear that I will not be contacted yet again.
Consumer complaint received 2015-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

I received a notice from XXXX XXXX XXXX XXXX. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, Citibank was the original creditor. I have lived at my current address since XX/XX/XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XX/XX/XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.
Consumer complaint received 2023-04-16
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. (FL)

I disputed XXXX tradelines from XXXX XXXX XXXX XXXX Equifax in XX/XX/2022 and they verified items were accurate. I also filed a complaint with the CFPB in 2022 and Equifax claimed they were working on the issue and items were verified with no proof of the Method of Verification under the Freedom of Information Act as shown below. They deleted these items without my knowledge where I just recently found out these items were removed that initially caused me financial stress and there has been no letter to indicate the changes sent to me. The credit reporting agencies have a duty to the consumers to report accurate information therefore, they did not do this instead they claimed someone verified when in fact they were not. Please see original complaint with the CFPBXXXX They failed to provide the Method of Verification under the Freedom of Information Act see below when I initially requested the information & I am requesting compensation for their failed negligence. 

XXXXThe contact number and name of the person verifying this debt, XXXX. This persons position, XXXX. All the information pertaining to this debt, XXXX. All evidence that this debt exists, and XXXX. How you verified this debt I have attached the old report for review where these tradelines were there and now deleted without a letter sent showing this information.
Consumer complaint received 2015-05-10
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (DE)

The Citi Double Cash rewards card offers options to redeem rewards points as direct deposit to Bank account or as Check to be mailed or also as statement credit on the credit card statement. While redeeming the rewards points as statement credit though, the Citi online site does NOT disclose that as this will reduce the account balance, any payments made will not accrue additional rewards points. I went ahead and requested {$120.00} in rewards redemptions as a statement credit ; had I known of this deceptive and sneaky practice on Citi 's part, I would have instead requested a Check mailed or direct deposit into my checking account. I called Citi as soon as I read this on a blog within a coupl eof hours of having requested the redemption, and the Citi rep refused to cancel my rewards redemption and change it to Direct deposit into checking or to send a check. 
I also warned them that I would be forced to got to the CFPB and they told me to please go ahead and do what I wanted. I would like this to be published online on CFPB per your new options so that the world can see what deceptive practices Citi is engaging in.
Consumer complaint received 2023-02-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Metacorp LLC (TX)

Our information shows : Your Account is now owned by XXXX XXXX from ACE CASH EXPRESS with account number : XXXX This debt is past XXXX  years debt collection law in state of XXXX. If its not, please provide proof of my signature/contract that I signed time, date, etc.. Im getting emails on a daily basis not quite sure how they received my email address that is a form of harassment
Consumer complaint received 2023-02-09
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XX/XX/1969 ; XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (OH)

On XX/XX/XXXX, Vision Coverage was initiated through XXXX with XXXX XXXX XXXXXXXX XXXX XXXXXXXX by electronically signing the application and paying the annual premium on my Discover Card. No auto-pay feature was selected of even indicated. On XX/XX/XXXX an auto-pay charge was processed by XXXX for {$430.00} on the same Discover Card. All attempts between XX/XX/XXXX and XX/XX/XXXX confirm coverage was unnecessary for XXXX failed due to failure to speak with XXXX Customer Service Representatives resulting from an automated phone system and excessively long-hold times. On XX/XX/XXXX, an e-mal was sent to the customer service representative listed for the account without any response ever occurring. A dispute case was opened with Discover Card on XX/XX/XXXX and a temporary credit was issued for {$430.00}. On XX/XX/XXXX, Discover Card completed their investigation and found in my favor, reversing the temporary credit and issuing a permanent credit for {$430.00}. Sometime subsequent to XX/XX/XXXX and XX/XX/XXXX, XXXX responded to Discover Card, resulting in reinstating the charge for {$430.00}. Upon learning of this intervention assistance from XXXX XXXX XXXX was obtained resulting in the XX/XX/XXXX e-mail from XXXX stating the insurance coverage was or will be cancelled effective XX/XX/XXXX with the respective credit issued. This e-mail was provided to Discover Card on XX/XX/XXXX, yet Discover Card has willfully and negligently failed to reinstate the credit. A second e-mail was received from XXXXXXXX XXXX XXXX  written from the perspective that the Discover Card was a Debit Card when in fact it is a Credit Card. As late as today, XX/XX/XXXX, Discover Card is refusing to reinstate the credit for {$430.00} unless they hear from XXXX. Having no way to contact XXXX due to cancellation of the insurance an no account, contacted XXXX XXXXXXXX XXXX whom doesn't understand why this is occurring. Obviously, Discover Card is attempting to unlawfully extort {$430.00} as an inside job in order for an insider to embezzle {$430.00}. After having this Discover Card Account for thirty-one ( 31 ) years, this behavior is uncharacteristic, deceptive and has never occurred when previous disputed charged have occurred. Obviously they waited until i was a XXXX and XXXX of a Protected Class to perpetrate such a scheme.
Consumer complaint received 2016-12-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

PNC bank is a predatory lender. They have just entered XXXX/XXXX/16 as the date reported on my credit report. This is incorrect and needs to be fixed. I have no accounts with PNC have NOT been with them for at least 6 years. PNC has not and is not an honest bank.
Consumer complaint received 2021-03-23
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2015-12-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head.
Consumer complaint received 2016-07-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (PR)

XXXX XXXX sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. XXXX XXXX XXXX XXXX XXXX claimed that they bought the credit card account from Citi Bank and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX XXXX? This is hurting many working families in XXXX XXXX and I feel that it is causing more damage than the XXXX XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I bought a travel package deal with my husbands credit card and we were both going to travel to XXXX. The promotion price was {$1100.00} for 7 nights. the resort charged the total amount, then only returned our deposit of {$350.00}. Then our money was returned and Citibank allowed another transaction to be charged, they billed our credit card the balance of {$820.00} which I had already told Citibank not to do and they went ahead and let the charge be applied to our citi credit card and now refuse to help me get the money refunded. So we did receive a total refund, but then citi bank allowed another charge of XXXX to be added to my card. If I had not called to check on my reservation the day I was to catch the plane, I would not have known that it was cancelled.
Consumer complaint received 2017-10-15
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. (FL)

I have disputed an error on my credit report with Equifax and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Equifax, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

Macy 's credit card charged me a late fee for no reason at all. I used Macy 's credit card to purchase some merchandise. I paid the balance in the previous cycle. During this current cycle, I returned merchandise and received refunded. Macy 's insisted that I have to pay the full amount of previous balance in light of XXXX of dollars of refunds. 

it charged me {$27.00} late fee for XXXX balance.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, CA XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX MEDICAL XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX THIS IS NOT MY ADRESS XXXX, XXXX FL XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY XXXX ADDRESS : XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX, FL XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within XXXX business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA XXXX ( b ), XXXX U.S.C. XXXX XXXX ( b ) XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt XXXX, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (VA)

Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

The Sears-Citi credit card website payment page understates the minimum payment due. For instance, this month my minimum payment was about {$30.00}, but a check of my account statement, downloaded from the site, listed my minimum payment as about {$120.00}. This has been going on for 6 months. As a result, I 've been paying more in interest charges than I would have if the website had not misinformed me that I owed a minimum payment that was some {$100.00} less than I actually owed. 

I attempted to resolve the issue using the website 's chat facility, and the contact did refund my latest month 's interest charges of some {$25.00}, and promised to bring the matter to the attention of the concerned department. I have n't done the math, but it seems likely that underpayments of {$100.00} per month for 6 months would put me a bit more in debt than {$25.00}, as the interest rate is 25.24 %. Before I was overdrawn, no interest was being charged at all, and after becoming overdrawn in XXXX, 2015, the interest charges were $ XXXX- $ XXXX/month, for an average accumulation of about {$150.00}.