davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

On XXXX, around XXXX XXXX  I was tried to make an online payment to Citi card to pay my monthly CC payment. After I hit submit, I received a message on their site saying " We had a technical issue submitting your payment ''. I signed out and tried again to submit payment. I got the same message. Next, I went on my phone to use their App to submit payment. Again, I receive a similar message. Obviously, I couldn't submit a payment before XXXX as a result Citi applied a late fee and interest fee to my account. On XXXX, I contacted Citi card and chatted with XXXX and explained the situation. I told him that I was not able to make a payment because of technical glitch with their system. I asked him to reverse the late fee and interest charge. I asked him to remove those charges. He " tried '' to remove them but for some reason was not able to. XXXX didn't give a specific reason why the request was declined but he tried, so he said that he did. I am attaching screenshots of proof of the error message. I was charged {$93.00} for their mistake with their system.
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CA)

Please see NEW attached official proof that XXXX XXXX has an on-going fraud/criminal investigation with the FBI XXXX XXXX released officially yesterday of XX/XX/year>. Feel free to contact their office in order to validate it. Thank you.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (DC)

I had auto-pay turned on on my account and Chase at some point turned it off. I spoke with a manager and they said they can not tell me when they turned it off. This caused a late payment in XX/XX/2020 because I was relying on auto-pay to pay the bill on time. After speaking with a manager today he hung up on me.
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (VA)

In XXXX my vehicle was reposses by TitleMax and I filed a complaint on here before about it. They gave an explanation however in there explanation they sat rhe vehicle was sold and applied to previous fees. However they do not say how much the vehicle was sold for. Infact they break down every amount but when they get to the part the vehicle was sold they are very vague. How much was my XXXX XXXX sold for and how much were the fees owed? The car was eorth {$6400.00} I never got a XXXX from any sale. They need to be more clear and stop beating around the bush.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (IN)

I had internet through XXXX in XXXX, XXXX. In XXXX of XXXX I called and requested that my account be closed. I was informed of the amount owed and instructions for me to return my equipment. I paid my last bill in XX/XX/XXXX and returned the equipment which was a router. In XXXX of XXXX, after no communication, there was a collections placed on my credit report in the amount of {$290.00} in XX/XX/XXXX and a creditor called me. I didn't receive a letter 30 days prior as I had recently moved. I told them I was disputing the account because I returned the equipment in XX/XX/XXXX. They told to call XXXX to dispute it. I did and they opened a ticket to look for the equipment and review notes on the account. I disputed with XXXX and the amount was changed to {$300.00}. XXXX searched for the equipment and found it. They emailed me and called me letting me know but then stated I still owed a bill. They then changed the balance owed to {$98.00} on my credit report in XX/XX/XXXX. I have disputed again ; then in XX/XX/XXXX the balance changed to {$84.00}. How is it possible for this collection agency to report XXXX erroneous amounts to my credit report? The equipment was found and my last bill was paid.
Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

On XXXX XXXX, 2015 I received a phone call from my mortgage company Citifinancial. They told me that I was missing a payment for XXXX of 2015. When they took me through their payment history i had actually made the payment on XXXX XXXX. They told me they would credited that payment to XXXX. A couple of hours later I received another call this time they said I missing a payment from XXXX of 2015. I went through my bill pay for the month of XXXX and seen that it was deducted from my bank account on XXXX XXXX. When i relayed this information to them i was asked to fax a copy of the canceled cashiers check that my bank uses for bill pay. I did this. i received three calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. With each call I had to retell about the faxed copy of the alleged missing payment. On Wednesday XX/XX/XXXX I was informed that a ticket had been made to research the missing payment and they would have an answer for me on Monday XXXX XXXX. I have received calls twice daily Monday and Tuesday urging me to make a payment because my account is in collections. Tuesday XXXX at XXXX XXXX XXXX I received a call and immediately asked to speak to a manager her name is XXXX . She asked me for a payment also but this time it was for a missing payment in XX/XX/XXXX. I then asked how this payment keeps changing months so she suggested we backtrack through my payment history. We went through from XX/XX/XXXX to XX/XX/XXXX but this time she came up with that missing XX/XX/XXXX payment. I asked her to read the notes made and it says that this matter is being investigated.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/22, I received an email from Experian, notifying me of a recent change to my personal information tied to my membership. On XX/XX/22, i contacted Experian where it was confirmed that someone had hacked into my membership and made changes to all my personal information. They were able to help me to place back my prior ( real ) info, however, when I wanted to speak to someone about their processes that led to this breach, i was not able to be passed on to someone of authority, and was given the same standard answer, basically that everything is fine. However, I dont believe things are fine, and that their software could or should be updated to raise a flag, earlier, when a membership has multiple changes, if not all, the personal information ; no one ever needs to make so many changesunless your looking to breach and fraudulently hijack someone membership/identity.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX lives at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I have sent you my Drivers License. Her social security is XXXX. 
She does not do business with XXXX, XXXX, XXXX, and XXXX of the XXXX Bank XXXX are not hers. PLEASE DELETE THESE INQUIRIES.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX my phone number is XXXX XXXX, in XX/XX/XXXX of XXXX XXXX XXXX ( synchrony bank ) canceled my credit of XXXX and later was dropped to XXXX dollars. After this my account was canceled which affected my credit score. 
Now in XX/XX/year> XXXX XXXX ( synchrony bank ) lowered my credit from XXXX to XXXX $ and this caused XXXX points to be taken from my credit score. I want to know why these companies are doing this. I have tried to speak with them and they give me no answer. I want you to check my payments history and I have not missed payments, for some time I have been trying to up my score but it keeps on being lowered by these companies for no reason. I manage my credit with XXXX XXXX and according to them closing my account is bad for my credit but I no longer want to continue using synchrony bank.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them.
Consumer complaint received 2022-07-19
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. (GA)

Hi! I have been trying to get this XXXX  XXXX Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX XXXX bankruptcy in my name years ago. It was listed on XXXX. I disputed them and XXXX removed it. However XXXX and Transunion did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXXt XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus. 
In Accordance with Fair Credit Act Credit XXXX  XXXX bankruptcy and XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

During the holiday season of XX/XX/XXXX, I have made several jewelry purchases from XXXX  's Department store. Later in the month, I chose to return my purchases. It was n't until I received my monthly statement in XX/XX/XXXX that I realized that my returns were not properly allocated to their correct account. XXXX 's has two accounts : 1 ) a Regular Account ( that bears interest ) ; and 2 ) a Club Account ( that defers interest for 1 year ). I made 3 returns with the same XXXX  's employee on the same day. All 3 of these returns should have corresponded to purchases I made to my XXXX 's Club Account ; however, 1 of the returns was credited to my Regular Account, while the other 2 were misallocated to other items in my Club Account. When I identified the problem I immediately contacted XXXX 's at XXXX 's Customer Service to explain the situation. The agent assured me that they will resolve this issue, but that I wo n't see it on my statement for 1-2 billing cycles. I waited 2-3 month, but instead of the problem being corrected, XXXX 's had fraudulently charged my account. I contacted Customer Service to tell them that I see fraudulent activity on my statement. Again, an agent told me that they are working on my account and that I wo n't see any changes for 1-2 billing cycles. It has been 1.5 years since the incident and yet my letters to XXXX 's are ignored, no changes have been made to my accounts, no response or attempt to resolve this matter are made by XXXX 's. In fact, instead of rectifying the problem that XXXX  's Employee has created, they fraudulent added charges to my account that I did not make, in addition to interest on said fraudulent charges, and they chose to send my account to credit reporting agencies and have creditor 's call and harass my family and I. I have been with XXXX 's for a long time. In fact, XXXX 's was one of the first credit cards that I have opened. I never had any issues with them in the past ; however, their lack of customer service is deplorable. I am ashamed to have ever opened an account with this company.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Listed below under XXXX, highlighted there is XXXX account that has been removed- but that is that is still being reported incorrectly as of XXXX XXXX 2016 by Transunion . 
I have disputed this and they have yet to resolve.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (PA)

I had an Citibank checking acct, a money market account and a line of credit attached to the checking for over-draft protection. I had all three of these accounts for 20 years. I attempted to close all three accounts in early XX/XX/XXXX. Citibank closed the money market account and the line of credit, but failed to close the checking account. They were supposed to close it and refund me the {$15.00} that was in my account. I did not get a letter from them until end of XX/XX/XXXX. The date on the letter was XX/XX/XXXX, but the US mail was delayed at that time. I was surprised to find that the letter was indicating I still had a checking account, and that now because of monthly fees, the account was overdrawn by {$9.00}. Within a day or two, I received a new letter dated XX/XX/XXXX again informing me of an overdraft that was now {$68.00}. I called Citibank again. It was actually quite difficult to get through because the automated system did not recognize the account number on the account that was supposedly still open that I had tried to close. When I finally got through I explained that I had closed the account in XXXX. They said that the first customer service person had failed to close the checking account properly. I was assured that this time they would close the account and reverse the charges that had accrued in the interim. They apologized for the inconvenience. I then received 2 letters, one dated XX/XX/XXXX and the other dated XX/XX/XXXX, both stating that Citibank closed my account and that I now owed {$100.00}! I then called yet again to ask why after twice having attempted to close this account, I was still being charged fees and now being threatened with a collection agency. I was told that there was nothing that they could do now that the account was closed and that I would have to visit my local branch. I have no " local branch '' because Citibank closed all the branches around XXXX years ago. I would have to drive up to XXXX XXXX XXXX to attempt to handle this. I was a loyal customer for many years and I stuck with them even after they closed all the branches and started charging rather exorbitant monthly fees. It seems Citibank is unaccountable for its mistakes. Even worse, somehow I am accountable for Citibank 's mistakes. It's simply unfair.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the FCRA, this company is violating my rights under 15 USC 1681 Section 6 o 2 by reporting late payments to my consumer report. This section states I have the right to privacy. 15 USC 1681 6o2 Section A states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose. I am for all requesting proof of these alleged late payments were late. Please verify the accuracy of these alleged late payments. Lacking proof of these late payments, please update these payments as PAANL status ( Paid As Agreed Never Late ) according to Consumer Protection Laws
Consumer complaint received 2021-02-25
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: GOLDMAN SACHS BANK USA (GA)

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and request to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Goldman Sachs Bank a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I was not 30 days late in XX/XX/XXXX with XXXX XXXX XXXX ( furnisher ) Acct # ending XXXX. 

Since this account was never proven by the furnisher, please delete this late payment for inaccuracy, and update this account as paid/ never late. 

To show cause, please demand the furnisher ( XXXX XXXX XXXX ) to show their bank statements that can prove that I was late in XX/XX/XXXX. 

Under XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

I look forward to your response in advance.
Consumer complaint received 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (VA)

On XXXX I called Conn 's Home Plus regarding my account. I was not aware that I was past due. I was committed to the hospital and then transferred to a XXXX XXXX. I myself was unable to make payments due to my hospitalization. I asked my mom to make sure my affairs were handled however they weren't. My mail was forwarded to my current facility in which I received collection letters. I also received alerts once my phone was given back to advise I was reported past due. The alert shows as follows : Credit Alert Delinquent Account Reported By CONN APPLIANCES , INC. Reported On XX/XX/2023 I then checked my credit report and the account shows as follows : CONN APPLIANCES, INC. 30 DAYS LATE Personal Loans {$1100.00} Status Date Reported XX/XX/2023 Payment Status 30 Days Late Amount Past Due {$45.00}. 

I called XXXX and made a payment. I advised the representative that I had been reported past due to the credit bureaus and asked if Conns did goodwill credit reporting. I stated that I am requesting a goodwill credit report update because I had never been 30 days late and was unable to pay due to my hospitalization. The representative and supervisor told me that a request was made and to call back Tuesday. However, I just called back today on XXXX and was told by two different representatives that the loan servicing department said they show no late payments and if my credit report did I had to send a copy of my report to : XXXX. This contradicts my calls on XXXX and my credit report. However, I sent the email and now I am filing a complaint. Per Conns latest email it states : XXXX XXXX ( Conn 's HomePlus ) XX/XX/2023, XXXX XXXXXXXX XXXX XXXX, Thank you for contacting Conn 's HomePlus concerning your inquiry. We appreciate the opportunity to address your needs. The 30-day credit mark is NOT reflecting on the account as it was recently changed. It will not reflect on the credit report until the account reports at the end of this month. The report that was pulled will not reflect the change. Again, it will not be updated until the account is not reported at the end of the month. If you need any further assistance please contact us at XXXX. 

Sincerely, Conn 's HomePlus My score dropped XXXX points. Each credit monitoring service I have shows me being 30 days late. I know that major credit card companies have a goodwill credit report request policy. So it is very disheartening given my circumstances and no previous 30 days late that my request can not be accommodated. 


Today is XXXX and late payment is still reflecting on my credit report, per the email sent from conns above I was advised : It will not reflect on the credit report until the account reports at the end of this month however nothing has been updated
Consumer complaint received 2021-01-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (CO)

XXXX 2019, costant harassment by phone calls. My sons loan, now my credit score dropped over 100pts. Even after he started paying Sallie Mae. They are very aggressive on the phone with threats. A d they the followed they and have ruined my credit. It had dropped from XXXX. Now XXXX.
Consumer complaint received 2015-11-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files.