davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citi Bank opened and issued me a MasterCard credit card in my name without my consent or request.As you know this can lower my credit score, and share information I want kept private. My mail box has been invaded by junk mail from them for years trying to give me their card and now they just by passed my consent and issued it to me.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NM)

My Citibank credit card includes a " benefit '' called Trip Cancellation and Interruption Protection. It advertises that " if certain unforeseen events get in the way of your trip, '' cardmembers may be reimbursed for change fees, lodging, and meal expenses related to trip cancellation and interruption. My flights were cancelled for 2 days, and 3 different " benefits advisors '' at Citi 's service said I would be covered for hotel and meals while I waited for my next flight. They said that I could not file a claim or document my issue until after I spent the money on the expenses. After I spent the money, Citi later said that I was not actually covered, because trip " cancellation '' means that you have to cease all travel, and " interruption '' means you had to begin travel and then cut your trip short. Citi would not take responsibility for 3 separate benefits advisors giving me the wrong information ( that I would be covered ). Further, the benefits documents and fine print contain no definition of " cancellation '' or " interruption. '' Rather, the text is incredibly misleading, because it says " change fees '' are covered, and that you are covered if " You ca n't travel because severe weather, a natural disaster, or a labor dispute causes all travel to or from your destination to stop for at least 24 hours. '' By advertising to customers that the card contains benefits that are not truly in place, Citi is misleading people into using their card and spending money that will not be covered.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

As per attached Registered letter to Experian, I have, since XXXX 2015, complained that several entries are not mine, and requested an investigation. Experian has failed to execute an investigation. CFPB should compel this renegade credit reporting agency, or I will do it via a Court here in California.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

My son was online on XXXX at XXXX on XX/XX/2022, a chat/gaming site, buying avatar items through his own Chase bank account. He was using his debit card. Someone got on and said he was the XXXX of XXXX and that they needed his banking information. My son gave it to them. ( He has XXXX  XXXX and didn't realize not to do this ). My son 's name is also on my account for emergency situations. Within minutes, this person on XXXX had accessed my son 's account and through that, accessed my account. My son had {$270.00} in his account and I had {$3.00}, XXXX in my account. Within minutes, this person accessed ALL of the money. This person withdrew from my account and transferred it to my son 's account, then proceeded to withdraw in {$500.00} increments through XXXX. When my son saw what was happening, he immediately froze the transactions and transferred what was left of the total back to my account. This was {$2.00}, XXXX. I had no idea what was happening until we both went to the bank that morning at XXXX on XX/XX/2022. By the time we got to the bank this person had stolen my son 's identity and changed his address to Mississippi. We and a bank representative were on SPEAKER phone for XXXX XXXX hours with the identity theft department , fraud department and customer service department. My bank will not help us and kept charging insufficient funds for electronic bills that came through. All I want is to get the money that is owed me. I am an innocent bystander in all of this. They owe me {$1000.00}. Please help me. They are accusing my son and I of creating this other person and stealing our own money. That did not happen. My son was not aware that giving his information would create this mess. He knows now and no longer has a bank account and his name is no longer on my account. I also filed a police report. I have had no money for XXXX weeks due to this, except for cash friends have given me for gas and groceries. Please help me. THIS IS FRAUD and the CHASE bank employees in XXXX, Colorado know it and have been trying to help to no avail. I have not used my checking account since XX/XX/2022. The only activity is automatic withdrawals for electronic bill payments.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Updated : XX/XX/2021
Consumer complaint received 2017-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WA)

i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX 2016, {$200.00} was taken from my checking account. It happened at a XXXX XXXX XXXX in XXXX where my bank is Chase right next door. I was not up at XXXX-XXXX withdrawing money from my account and I would have not used a different bank when my bank was right next door. Chase denied my claim because a chip dept card was used according to their investigation, but they wo n't look at the video cameras. Does n't seem like a good investigation to me. Why would I file a police report on myself it just does n't make sense to me
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citi offered a promotion that awards XXXX Thankyou points when you open a checking account using offer code XXXX before XXXX/XXXX/2015, and make XXXX bill pay within 60 days after your account opened. So I applied that citi gold checking account on line with the offer code XX/XX/2015, and did XXXX bill pays within 60 days. Also I checked several times with Citi representatives, and they confirmed that I am qualified for that offer and will give me the XXXX Thank you points within 90 days. But now 90 days past, and they rejected to honor the XXXX thankyou points.
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Knowing that I live in a region with aggressively increasing home values I decided to reach out to my lender to have PMI removed. I can support the increase in value based off a current appraisal on behalf of my current mortgage provider. My taxes also increased by XXXX last year and close to that the previous year. It is not joke that I am seeing appreciation to my home. Plus, we have invested over $ XXXX in of updates and additions last year. I requested the removal from my lender and they sent a letter saying I met the initial requirements, but an appraisal needed to be completed. Knowing that PMI is not required below 80 % I knew anything below 80 % should be my target. In their letter they made no mention of LTV requirements, so it should be assume 80 % will be removal. When I called them it was explained that is completely up to the lender if PMI is removed. I find this to be a predatory practice. This was not outlined in the letter from CitiMortgage. How can i be expected to pay for an appraisal when I am not given the true requirements. 

This is not a fair practice, and reason again as to why mortgage lenders and investors create ambiguity and unfair lending practices. No regulation to this practice treats the end consumer like myself unfairly. 

I am just a tick below 80 %, how and why are they legally denying me?
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

In XXXX XXXX I filed a complaint against Macy 's for gross mismanagement of my consumer credit account. The amount in dispute is {$2700.00} which I paid with official check in XXXX XXXX. Macys reversed charges in XXXX XXXX and in XXXX XXXX Macys admitted the matter was their own processing error following investigation by your bureau see [ Case number : XXXX ]. Macy 's acknowledged their internal error in writing and promised to take my account off their collections department calling list. With the matter still under dispute and investigation, and with full knowledge of their own internal errors, on XXXX XXXX, XXXX Macys posted negative statements to the credit agencies reporting the disputed amount with interest and penalties, as unpaid for 31-60 days. This immediately negatively impacted my credit report and my credit score dropped XXXX points within days. This matter is still under dispute and at the time of the negative reporting was still under federal investigation. Reporting it to credit agencies at this time and under these circumstances is malicious mismanagement of my credit. I demand Macys issue an immediate correction of this error on my credit report. Macy 's should not punish consumers for their own internal errors.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (OR)

I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.
Consumer complaint received 2021-04-21
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. (FL)

I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (TX)

I took out about {$65000.00} of loans at a low rate of less than 4 %. Over time, the interest rate has gone up over 8 %. I now owe about {$120000.00}. FedLoan is calling that the principal balance. I paid about {$11000.00} in 2015 in payments, but only about {$2100.00} is going to principle ; the rest is interest. It is ruining my life and I need help. I can not save for retirement or hope to help my child with college. I sold my home to have a chunk of cash to pay off the loan and start over financially. Can you help me negotiate a fair amount to pay? I can pay it today, but I can not pay {$120000.00}. I can not get to someone in Fedloan to discuss a change ... all I get are the people who answer the phone and say that none of the programs will help me and I am just out of luck. 
Original balance if loans {$65000.00} They say the principal balance is {$110000.00} My payment of {$990.00} to pay off the balance as it currently stands is for 273 months. I have paid 10s of thousands of dollars already. This will make my payoff {$270000.00} for a $ XXXX loan at a low interest rate. This is not right. Please help me.
Consumer complaint received 2016-08-26
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: DLC, LLC (CA)

I applied for an installment loan for XXXX with monthly payments of XXXX for 12 months. I had no idea this was payday lender or loan.The lender looks like a bank and the employee told me that this was a monthly installment loan due in 30 days. She had me to bring my bank statements and most recent paycheck stubs, they also ran a credit report. Exactly 8 days later she phoned and demanded payment of XXXX every pay day which equals XXXX per month. I did not apply for this type of loan. I was mislead! This is an impossible situation. I would have NEVER applied for a loan with these terms -I borrowed XXXX and would be paying back XXXX in 12 months.
Consumer complaint received 2017-01-20
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Paypal recently gave me a credit line of, I believe, {$600.00}. I have no intention of using it, but I suppose it 's okay to have. 

I recently ordered tea online for {$16.00}. I knew that I had a balance -- I even checked it -- of {$17.00}, not credit but actual funds I had leftover for some reason and so I used my Paypal account to pay for the order. 

More recently a friend paid me back for dinner and drinks a week or so ago. In attempting to send them a request for the money, to make things easier, I noticed that I had a " payment '' due for the online tea purchase. I was annoyed that the {$17.00} balance had n't been used. Instead, Paypal chose to apply their credit line to the order, something I was never asked about or approved. 

Now, I 've apparently missed the due date for the {$16.00} payment and I see that they 've added an additional {$16.00} " late fee. '' I received no paper statement, no email statement and no text message alerting me to the supposed due date and therefore missed it. When I had noticed it I made a mental note to address it but I apparently waited too long. 

Now, in attempting to call the bank that supposedly handles the credit line, because it is n't Paypal proper, I get a run around as a recorded voice verified that I was human with two super basic questions and then informed me that I could call back in 24 hours. I then attempted to call Paypal only to be told that " the current wait time is ... one hour and four minutes. '' This is another predatory bank stealing " late fees. '' I intend to contact a human operator, have them rescind the charge and then close out my credit line and Paypal card. I do n't need this.
Consumer complaint received 2016-02-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (IN)

FORD Credit failed to post my payment of {$2000.00} to my account. This check cleared my bank on XX/XX/XXXX. As they use a reader/scanner to deposit the check there is no back image available from the bank. I had to FAX XXXXnot email ) a copy of check # XXXX that has cleared my account on XX/XX/XXXX. In addition I have had to attach the screen shot of my account showing check # XXXX clearing my account. This check was mailed on XX/XX/XXXX WITH THE PAYMENT COUPON ENCLOSED!! The call center refused to help without the back of the check. clearly I can not provide what does not exist. 
Given the lack of assistance I received with the FORD call center I will be moving this loan this week. I know I can receive decent service from my local bank.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I contacted Experian in reference to some fraud activity in my credit file. I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. First thing is an address of XXXX PA XXXX which I have never been associated with. Seondly the credit accounts have been removed. As I stated and provided proof I was incarcerated until XX/XX/2016. So there is no way, I was attempting to establish credit as this is not possible from prison. So even though the fraudulent accounts were removed the Inquiries which I did not initiate are still present. So an ID security alert was placed on my account which I appreciate, I just need them to follow through and remove the inquiries entered below and the address mentioned above. 

XXXX XXXX Bank Date:XX/XX/2016 XXXX Date:XX/XX/2016 XXXX Bank XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I have contacted the reporting which is XXXX XXXX numerous times going back as far as XXXX/XXXX/15 regarding a hard inquiry on all XXXX credit reports.They stated that it was a soft inquiry which turned out to be false. I talked to XXXX XXXX XXXX XXXX/XXXX/15 XXXX again and talk to a rep named XXXX -id # XXXX. I gave her all information stating it was reported incorrectly and had copies to show that. she then stated that she would have XXXX XXXX removed all hard inquiries. I received updated credit reports and it still was not corrected. i tried calling 4 times after that and XXXX XXXX refused to acknowledge.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FundLoans Capital (CA)

Drop Mortgage has failed to provide a payment location and amount for a recent loan. This is on top of a disastrous loan process, coupled with shifting data and what can only be described as fraudulent practices at best. 

Their organization is among the most incompetent I have ever had the misfortune of working with. The front end loan folks do n't know what they need for underwriting compliance - even when you use a broker. Across the board everyone I spoke with claimed to be XXXX XXXX compliant. I pressed them for answers about what parts of XXXX they are compliant with, what did they do that was XXXX. They spew these terms without knowing any of the underlying requirements, deadlines, or documentation standards. 

When pressed they make up random answers about delays, new random pieces of paper they mysteriously need after the deadlines, and pick an accuse of the day. That is if you can get them to commit to a date to begin with, XXXX yeah right they sent me a " post consummation CD '' with a note stating " you do n't need to sign this we just wanted to let you know now that you have signed that everything changed BY more than {$30000.00}. I seriously had them tell me my docs would be ready in the morning for over 20 days, they even demanded me to cancel using XXXX because they were done ... only to not be done. 

Even after several layers of management, I was unable to find anyone that could give me a straight answer. In 20 plus years of buying / selling property I have never come across a more inept lending organization. 

Please for your own sake and that of your potential property do not use these clowns.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IN)

I have attached the letter from Experian and I have asked them to remove XXXX XXXX for years. Additionally XXXX XXXX is trying to collect on a XXXX XXXX credit card that was paid, I have no idea how this happened as we continued to pay on some cards after the Chapter XXXX was filed ( which discharges credit card debt as a requirement ) but we chose to continue paying on the cards, our boat, car, etc .... 
After numerous attempts and written requests to Experian we are asking that Experian change its attitude as they need to be willing to reach out and verify information no matter how many times I request it. 
Again, ALL XXXX XXXX debts, including our car loan we had with them, were satisfied. 
Experian is by far the worst, the other XXXX reporting agencies are polite and helpful. 
Thank you.