davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (NY)

I went to Macys in XXXX of XXXX, and I did not have my Current Macys card on file. So, I used my Social Security number to gain access to my current account. Subsequently, the sales associate open a new account in my name. Within 30 days I started receiving phone calls of a late payment of my credit card. My previously opened Macys card has been on autopay since opened in XXXX. Therefore, I was unsure of the late payment and or applicable fees. When I called to inquire about the late fees, it became apparent that I now had 2 Macyss card. I did not want any further late payments so I paid the card balance of {$90.00} in full and closed the card to avoid further late fees. Unfortunately, the fraudulent behavior did not end and my Credit Score has dropped XXXX points, over {$90.00} and a card that I never applied for. I have since been denied credit and my interest rates on my other cards have been increased. I have been in communication with Macys since XXXX of and its been 6 months with no resolved. My Credit Score is ruined.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I 'm currently working on a short sale because I was given no other option BUT my Realtor has n't been sucessful in getting in touch with my XXXX loan which is with Litton Loan Servicing, none of the numbers provided work because they just send you on an endless survey about XXXX, auto insurance, {$10.00} XXXX gift cards and other XXXX they are selling ( numbers are XXXX, XXXX and XXXX ). I need them to contact me Loan # XXXX in order for my transaction to move forward.
Consumer complaint received 2022-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

I have sent several letters not only to all 3 credit bureaus but to the creditor directly as well. TD Bank/Target Credit  {$570.00}. A dispute was mailed out to all XXXX, XXXX and XXXX on XX/XX/22, XX/XX/22 and on XX/XX/22. A dispute letter was also sent to the creditor as well. Upon sending notice and receiving a frivolous investigation from all 3 bureaus and it's creditors information reporting, you will clearly see the the FCRA violations. You will see on the supporting documents that both creditor and the 3 reporting bureaus information do not correspond accurately with each other. The TD Bank USA/Target Credit XXXX XXXX XXXX is completely fraud and I have no knowledge of this account. Per FCRA ss 602 [ 15 U.S.C. ss 1681 ], ss 603, ss 605, ss 607, ss 609 and ss 611 which are all violations of Tittle 15 USC ss 1691 and it's sub sections. I demand that you correspond with the Attorney General of California and Secretary of State about these fraudulent matters as I will also correspond with them myself. I demand that you correspond with all e Credit Bureaus demanding the removal and relief of this fraudulent account from my credit profiles.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

I applied for Citi XXXX credit card, seeing a promotional offer of signup bonus of XXXX points after spending {$4000.00}. I also saw the term that this offer is not available for customers who have received this bonus within the past 24 months. 

According to my calculation, last time I received this offer, it was beyond 24 months. Citi approved my credit card application. However, when I received the card, it told me I am not eligible for this offer. 

So I am making the following complaints : 1. Citi miscalculated the 24 months ; 2. If Citi believes I am not eligible for this offer, it should have informed me before opening a credit card in my name. I believe this card account was opened without my consent.
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WI)

I have had over {$66000.00} of capitalized interest added to my student loan balance over the past 7 years - all because I didn't do my yearly recertification for my income driven repayment plan in a timely manner. I understand that I must take some responsibility for failing to do the recertification, but I think that nearly {$70000.00} added to an account without any recourse is insane. I have continued to make my monthly payments, but I was ignorant as to why my account balance was going up until now. I spoke with XXXX and XXXX at FedLoan servicing on XX/XX/2019, and they informed me that there is nothing they can do. 

The notices they send out for recertification indicate that capitalized interest may be added to the accounts. It doesn't indicate the amount or that it is a guarantee. Worse, it doesn't list an amount of interest that will be added for failure to recertify. I should've asked questions before today, but this practice has to stop. I work hard trying to do the right thing and pay my loans back, but under this system, I will be paying forever. I hope that someone can look into this if not for me, then other people to come.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (GA)

This company keeps putting unnecessarily holds on my money that has been paid to me. I have two cards on file with them, and one is a prepaid Pay Pal card that they issued me. They have held my money up since Friday. It no reason for this except being an unprofessional and lazy company. I need my money.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NV)

I saw that on around XXXX I saw a lot of pre approvals on credit Karma. At first I didnt pay it any attention but credit karma continuously sent me emails and notifications about the pre approvals tells ] ing XXXX  that I was pre approved for credit cards, personal loans and auto loans. Every day I would see this offers anytime I logged in to see my credit scores. So After a few months of being told I was pre approved I thought I was in the perfect place to apply. I received many offers through credit karma I told my family about vacations and investments we were going to use these pre approvals for. So I finally applied on various days and I got denied for credit cards and personal loans. I was distraught. I was very angry and I felt deceived. I was advertised for months that I was already pre approved. Credit karma kept sending me notifications about my pre approvals. This was all a lie. I was severely stressed out. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went from from XXXX to XXXX. Now every time I see pre approvals I immediately close my phone and shut my computer off. This has made me very uneasy and XXXX that I havent checked my credit as frequently as I should.
Consumer complaint received 2019-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (PA)

I filed bankruptcy in XX/XX/XXXX, included was a Moneylion loan that I had been paying on. Tied to that loan was an investment account with {$150.00} in it. These investment funds were exempt during my Chapter XXXX bankruptcy as they fell below the asset limit. My bankruptcy was discharged XX/XX/XXXX. To date,

even after this discharge, moneylion continues to refuse to return those funds to me. I have requested numerous times. They already had to have a complaint filed before fixing incorrect credit reporting, now at seems I have to do the same thing to get my investment money back that was not theirs to keep post-bankruptcy as they were exempt funds.
Consumer complaint received 2020-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX Discovered money was transferred from our Bank of America checking account by persons other than us & without our authorization using by undetermined method. I Reported to bank that moment, while transaction was still listed as " pending ''. 

Bank said there was nothing they could do about it, & to make a police report. 
Bank said they would investigate. 
Report to bank was made using their fraud phone number.XXXX. 
BANK CASE # XXXX. 

Bank placed a hold on our bank account & opened new account to protect remaining funds. 
Bank said money was transferred using " XXXX '' to XXXX XXXX XXXX XXXX 

I called him to demand he return our money. He claimed he " received the funds from a " XXXX XXXX XXXX '' & did not know who I was. 
He said he would help any way he could but would not return the funds. 
I reported that info to the bank but they have not responded. 

After 10 days on XX/XX/XXXX called the bank again & they said 10 business days & to call back. 

XXXX-called Bank again, they said denied our claim, said they sent us a notice, but we still have never received. 
Said transfer was used with " similar '' device as other transfers we had made in the past so they denied it. 

Said I need to send documents proving we did not make the transfer.I asked what type of documents that could be, they said they did not know. 
Said they would have a final determination by XX/XX/XXXX. 

XXXX I faxed them the only documents I could think of, the police report. Phone records, My phone IMEI info, A detailed report & the incident timeline. 

I called again on XX/XX/XXXX, they told me the claim would be assigned to an investigator tomorrow & may take until XX/XX/XXXX. 

At this point I feel Bank Of America is not investigating, only waiting to see if we will give up, but we are on a fixed income & this money is very important to us. 

They said they would resolve this in 10 days but it has now been more than a month. 
Bank of America let someone into our account using their system & let them steal our money & now will not support us & help to recover it.
Consumer complaint received 2017-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

HESAA IS REPORTING LATES ON MY CREDIT BUREAU WHICH THEY HAD PREVIOUSLY REMOVED. I WOULD LIKE ALL/ANY LATE REPORTINGS REMOVED FROM MY CREDIT BUREAUS. IT WAS PUT ON DEFERRMENT AND IS REPORTING LATE EVEN THOUGH THE PAYMENTS WERE MADE
Consumer complaint received 2022-11-16
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)

Dear Equifax Information Services LLC, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I just received a notice from Chase advising that my property is in risk of foreclosure and that my debt owed is {$9400.00}. They also claim my loan is 63 days late. I have made payments every month
Consumer complaint received 2019-12-30
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. (TX)

I disputed 2 items on my credit report from XXXX XXXX i sent them letters on XX/XX/2019 i asked for the original contracts with my signature on them and the amount i supposedly owed because i have not had anything from XXXX XXXX.
Consumer complaint received 2019-12-30
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. (NY)

i am filing this complaint because XXXX, XXXX, and equifaxhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2022-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (TX)

Someone that I do not know of used my name to get a credit line through ACIMA. I was completely unaware of it until noticed that my credit score decreased significantly. Due to the credit score drop, I logged into my XXXX account and realized there was debt with ACIMA and they reported to XXXX only. I disputed the account through XXXX and communicated I was waiting on my police report. Before, ACIMA and XXXX received my police report of fraud they communicated with one another. XXXX noted on my account that ACIMA said the account belonged to me without a police report or an investigation. This is indeed NOT my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working hard to raise my credit score. Before the identity theft, my credit score was XXXX and not plummeted to XXXX on XXXX. I want this account eradicated from my account expeditiously.
Consumer complaint received 2022-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (GA)

In XXXX, I and my wife consolidated our federal student loans together. Over the years various companies managed our consolidated loans. 

We currently have Navient as our provider. 

Navient keeps lowering my monthly payments, ( once by {$130.00} USD / XX/XX/XXXX ), without our authorization. I've requested them not to change our monthly payment amount and they lowered the amount again and are refusing to keep my monthly payment the same. 

Navient changed, ( XX/XX/XXXX ), our monthly payment and increased the length of the loan and interest amounts. 

Navient has refused to send me an amortization table for my loan. I feel that Navient is purposefully extending out student loans to maximize their profit.
Consumer complaint received 2022-01-22
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AmeriCash Holding LLC (IL)

AMERICASH continues to allow their 3rd party vender to take money out of my account every week unauthorized. I never authorized this payment or the last and they keep submitting these payments not even on the days I get paid. I want my payment information removed from this 3rd party vender the registered agent for this 3rd party vender as well as AMERICASH fir operating in Illinois because at this point these people are just using my credit card information as they feel and AMERICASH authorized these payments without my permission. Then you continuously send wage assignments to my job yet you ARE taking these payments. I have the screenshots  posted with this complaint yet your website states the last payment you received was XX/XX/XXXX when it fact you just took a payment on XX/XX/XXXX so if youre not taking thesepayments you have authorized someone to take them on behalf of AMERICASH. I dont even use that account any longer because you have given my information out to a company I know nothing about and they continue to use it at will. Who is taking these payments on behalf of your company as you have stated without your permission in error
Consumer complaint received 2022-11-16
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, my husband and I drove over and hour and a half to meet a puppy we were interested in adopting. We fell in love and on XX/XX/XXXX we paid money to adopt 'XXXX  XXXX and asked the adopter if it was not too much trouble if she could keep XXXX with his litter mates for 4 additional weeks as we were in the process of moving, our daughter was moving XXXX hours away to college, we were also selling our house and moving to be closer to her so our entire lives were in chaos BUT we were committed to keeping XXXX and thought since he has his littermates on the premises as well as his mother that 4 weeks would not be a problem. The foster mother agreed, happily. XX/XX/XXXX ( approximately 11 days after we paid for XXXX ) my husband and I agreed that we were going to take some time 'off ' from one another and separate now that my daughter is no longer living with us. Of course bringing another dog into this situation is not ideal, so I let the foster mom know, as well as the head of the organization that we would not be taking XXXX at this time. Of course I felt horrible, I profusely apologized and also let the head of the organization know that I would make a sizeable donation to the organization to help with any fees that had occured for the caring of XXXX. I know if one set of shots that I know that he had been taken to. I was told at that time that I would not get any of the {$500.00} that I paid for XXXX. I let my credit card company know. The head of the organization texted me that she held onto the dog for 4 weeks, which was incorrect. She had the puppy in her care for approximately 11 days before I cancelled. I did not want to cancel, it was not the outcome that I had anticipated but I don't think keeping a deposit for something I never took possession of to begin with fair. The credit card / bank initially sided with me and credited me back my money but eventually deducted the money and gave to her.
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: EQUIFAX, INC. (SC)

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$58.00} ; XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know. Told them I did auto pay. They said It does n't show on the account and then I said it should because I did it XXXX online and they asked that I set it over the phone with them. That they recommend I do it over the phone because of issues of setting it up online. So, I set it up with them and they confirmed and I even received a letter saying I was enrolled in there autopay and the citi card rep over the phone said I now have auto pay and the payment will be taken out the checking account for the next statement. I gave at XXXX XXXX XXXX. My complaint is why is n't there autopay working online or over the phone? Because of this I have been late on my account XXXX months in a row because of CITI is not honoring there autopay agreement and not processing my payment for auto pay. By them not doing this it has cause me to be late and have accrued late charges every time. Not to mention my credit score and credit reputation with Citi. I urge Consumer Finance to please investigate to see if anyone has had issues and investigate there business practices. How do I know there not trying to make me late to up my APR percentage or/and identity theft from their Citi representatives who have all my account information over the phone and the auto pay still did not work.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I had a rented instrument from XXXX XXXX XXXX and returned it. Upon checking my credit report I noticed an item in collections for {$2700.00} and it was from XXXX XXXX XXXX. I called them and they sent me a copy of the receipt showing my returning the instrument, I them filed a dispute with XXXX XXXX toTranswrld ( the debt collector ) and when the decision came back it was unchanged although I attached a copy of the receipt to the dispute. I am trying to repair my credit and definitely do not need derogatory items that do n't belong there. Any help you can give me would be greatly appreciated. 
Kind Regards, XXXX XXXX
Consumer complaint received 2016-12-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VA)

My late husband open this account without my knowledge. He was XXXX by police because of his XXXX, leaving me in debt and unable to pay his debts. I 've already had a voluntary repossession of my car. I will have to file Chapter XXXX bankruptcy is this debt is pursued.