davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (MI)

Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

I received an alert XX/XX/XXXX from XXXX concerning a credit card account having a bad payment billing report on it, showing 4 missed payments.. I knew this account had to be a recent added account on my report because I would have been notified sooner, The account is showing 4 missed payments, and the account was closed by credit grantor XX/XX/2016..I contacted Best Buy to informed them that I have never open an account with them, and I have never authorizes anyone to use me in applying for any type of credit, they could not locate me in there system using my SSN, Full Name, or by any phone numbers I provided. I could not provide a account number because it 's not listed on XXXX credit Report. Best Buy said there was nothing they could do for me since they could n't locate me in there system, even though they placed it on my credit report.and I clearly stated to XXXX who is a supervisor, this is identity theft fraud, but she again stated there was nothing she could do since she could not locate me in there system ... I contacted best buy on XXXX/XXXX/2016 and again on XX/XX/2016..spoke with XXXX at XXXX .PLEASE HELP
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. ()

For more than six years, I have had a Citibank account. Roughly once a month, I do a wire transfer from the Citi account to my XXXX bank account ( XXXX ), because I work in XXXX for an American company. I long ago set up a wire-transfer model/template on Citi 's website so I do n't have to constantly reenter the beneficiary bank information, which never changes. This process had worked seamlessly dozens, perhaps hundreds, of times. Then, on XXXX XXXX, 2016, I executed a wire transfer for {$10000.00}. ( Based on an exchange rate of about {$1.00} per pound, this would have converted into approximately XXXX XXXX. ) A week later, the money had n't arrived in my XXXX account. So I called Citi. They confirmed that the wire had been properly executed and said they 'd look into why I had n't received the money yet. They said that, upon resolution, if there turned out to have been a mistake, I had the choice of either having the {$10000.00} reinstated into my Citi account or having the equivalent in pounds transferred to the beneficiary account. By then I had arranged for an alternate source of money to be transferred to my XXXX account, so I told Citi that I would like to have the {$10000.00} returned. A few days later, around XXXX XXXX, having heard nothing from Citi, I called back. This time, they suggested that I amend my XXXX XXXX wire transfer to include an XXXX number. ( I 'd never included this before, because Citi 's template only requested a sort code, account number, and bank mailing address, and the process had always worked smoothly. ) I provided the XXXX over the phone and was told the transfer would now be executed. 

Two weeks later ( and four weeks after my original wire transfer ), on XXXX XXXX, I received notification from Citi that the transfer had been unsuccessful and they could either resubmit it again or refund the money. The catch was that the money had already been converted into pounds and, because of the steep devaluation of the XXXX due to XXXX, Citi would only refund {$9200.00} to my account. In other words, I would be stuck with a loss of roughly {$800.00}. A string of supervisors at Citi refused to budge, saying I had no other options. 

I still do not know what caused the wire transfer to not reach its intended destination, but I do know that it was not my fault. I used the same information for the beneficiary account that I have used dozens of times in the past, and ( since it is my own personal account ) I know that the information was and remains correct. It seems grossly unfair for me to suffer a huge loss due to someone else 's mistake. Please help!
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

Macy 's Credit Card, part of Citi Retail Services, routinely sends statements well past their due date, sometimes not at all. I had a payment due on the XX/XX/XXXX, I just got an email today on the XX/XX/XXXX that my statement was ready. I never received a statement last month, so now I have a late fee I have to call and argue about. 

They purposefully exploit the paperless statement system. I 've had issues in the past where I never received a statement, and had to call and argue with them to remove the late fees etc ... They know about this issue, yet nothing changes. 

This is definitely intentional. It makes zero sense that an electronic statement should be coming a full week after a payment is due or not at all.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

Creditor : Macy 's XXXX calls gives false information and collection department provides no transparency. 
Credit card holder since XXXX, I closed the account around XXXX because Macy 's illegally withdrew money from my checking account. 

I was past due for a XXXX XXXX XXXX payment and in XXXX XXXX I attempted to become current. I changed payment arrangements around and explained that I get paid with a paper check not electronically. The last customer rep ( with a strong accent ) I spoke to assured me verbally that I had till the XXXX XXXX XXXX to make partial payment and also arranged for future payments to be drafted from the checking account. Macy 's reported it late. I called their credit division to inquire:1st call - Customer Service rep. said I was late for two straight billing cycles. I explained the conversation with the customer rep and asked if they would pull the recorded call. He said they do not record calls. I asked to speak to his manager. Manager was absolutely unprofessional and asked why I missed the payments. My explanation was not enough. 
2nd call - to XXXX on the statement and spoke to a rep. ( with a strong accent ) she apologized and said I should not have been reported and connected me to credit division. Another rep. explained there was nothing they can do, their manager wrote " I did not pay because I had no money to my account. '' He also admitted that they do record calls but he does not have access to them3rd call - Credit division, rep. said if I would have made that partial payment before the XXXX I would not have been reported. Furthermore ; she continued to assist me with the rep ID numbers from the calls I made prior. She apologized for the miss-information I was given by the rep. in question. 

Also I tried on various occasions since XXXX to enroll in a hardship program via the XXXX provided on the statement. My income decreased, I wanted to continue making payments but needed help with lowering the interest rates. The reps. ( strong accent ) confirmed Macy 's does not participate in such programs. Well I get a letter from Macy 's responding to a BBB complaint I had submitted. Again they apologized for the inconsistency for the reps. and suggested I enroll in a program available to me if I am having financial difficulties. I called the XXXX on the statement and a lady with ( a strong accent ) said Macy 's does not have such a program. Once I referred to my letter, they placed me on hold and lady with no accent came on and was ready to help. I FINALLY found someone who would help and with professionalism. My interest rate went down to 9.99 % from the average 28 % and she changed my due date. Also min. payment was decreased. Had I received this help earlier, money would be saved with lower interest rate, it would have avoided stress and unfortunate 30-day late marking on the credit reports that I have to deal with.
Consumer complaint received 2021-04-21
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. (MO)

Initial CFPB complaint : XXXX XX/XX/XXXX was filed against XXXX and Equifax, XXXX is a collection agency that was contacted by XXXX XXXX XXXX XXXX for a loan that was already paid off. They ended up on my credit report anyway. 

XX/XX/XXXX response verbatim from XXXX XXXX c/o XXXX on that complaint : ... acct was received by TXXXX XX/XX/XXXX, XXXX reported paid XX/XX/XXXX ( believe he meant XXXX ) TekCollect notified XXXX  Equifax and XXXX  to DELETE this acct from this consumers credit files on XX/XX/XXXX. Today XX/XX/XXXX again notified Equifax to DELETE this acct. We have confirmed acct DELETION by XXXX and XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX HAS NOT DELETED NOR WILL THEY REINVESTIGATE THE DISPUTE XXXX ON MY CREDIT REPORT. THIS IS A VIOLATION UNDER FCRA 15 U.S.C ss1681e ( b ) ; AND FCRA 15 U.S.C ss1681i.I HAVE REPEATEDLY TRIED SEVERAL TIMES. 
I DID MY PART. 
XXXX DID THEIR PART. 
TEK-COLLECT DID THEIR PART. 
SO AT WHAT POINT IS EQUIFAX TO BE HELD ACCOUNTABLE FOR JUST ALLOWING SOMEONES INFORMATION TO JUST SIT IDLE & FLAT OUT REFUSE TO FIX IT? ITS UNACCEPTABLE. I AM 1 OF MANY CONSUMERS THAT IS HONESTLY WORKING HARD AT REPAIRING MY CREDIT ON MY OWN, SO REPEATEDLY TRYING TO DISPUTE THE SAME THINGS IS DEFINATELY NOT OK. I DO NOT HAVE THE TIME. NOR THE PATIENCE. BUT IF ATTORNEYS NEED TO BE HIRED AT SOME POINT TO REMOVE THINGS FASTER, THEN SO BE IT. I AM TIRED LIKE MANY PEOPLE. EQUIFAX HAS HAD AMPLE OPPORTUNITY & SEVERAL NOTIFICATIONS TO DELETE DELETE DELETE DELETE THIS. WHY IS IT STILL ON MY PROFILE? I WOULD LIKE TO KNOW. I EVEN HAVE A LETTER AFTER THE LAST CFPB COMPLAINT FROM TEKCOLLECT AS PROOF & THIS IS STILL ON MY PROFILE WHY? EQUIFAX WHY? I ALWAYS HAVE AN ISSUE WITH EQUIFAX VS THE OTHER BUREAUS ON REMOVING SOMETHING.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK (GA)

I contacted Discover credit card regarding my monthly payments. I attempted several time to speak to someone who can assist me in lowering my payments.I first spoke to XXXX who stated that Discover Card can only lower the interest rate to 12 % for a year while my payments would still be {$110.00} month. I explained to her that I was going through hardship and that {$110.00} would not be feasible at this time. She stated, when I opened the account I agreed to make my payments. I stated, that is correct however I am not making the same income as I did when I first opened the account. XXXX stated, that 's the only assistance that Discover can do for me. Later, that evening I contacted Discover card again having to wait 25 minutes before a customer service manager pick up the phone. I spoke to XXXX and explained my situation to her. XXXX told me that my monthly payments would be {$130.00} month with a lower interest rate at 12 % with my card being suspended. I asked to speak to her supervisor but after waiting 10-15 more minutes the phone hung up on me. 
I have been a card holder with Discover since 2006. I am very disappointed in the treatment I have received. I really need some sort of assistance.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CO)

My husband and I purchased a credit card from Best Buy in XXXX 2014. We used their 18 months no interest financing. We were charged {$250.00} because we were {$23.00} off in paying the total in 18 months. We asked for a refund on interest but were refused. We asked for statements to research the charge but were told to get them off their website. They only have 6 months of statements with limited information and any more statement will be mailed in 7 days. We also tried to file a disputed while we research the charge but are unable to do so according to the website and representative. We can either pay interest on our interest or have charges negatively affect our credit while we try to reach a resolution and research these charges. The best solution the representative had was to send a letter to Best Buy headquarters which is " highly unlikely to help '' or wait until the charge is sent to collection to disputed the charge, XXXX of which are unacceptable.?
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (TX)

The original creditor, XXXX XXXX XXXX never sent me a bill explaining my balance. They did keep my {$2400.00} deposit. I was unaware of this balance until i pulled my credit report. I called the corporate office several times and was told a manager would call me back and never did. I have never received a letter from the apartment complex or Hunter Warfield the collection company. They have however added {$2000.00} in fees. I have mailed letters to Hunter Warfield asking for proof of this outrageous balance and demanding proof of this debt. I have gotten no response from the collection company or the corporate office.
Consumer complaint received 2016-09-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc. (GA)

Based on Information and belief, the alleged account is not mind. I am a victim of ID Theft and have continued to inform Global Receivables Solution, but to no avail. They will not response to my requests for validation and verification but continued to call my home and work. I have never had a XXXX Account.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I can not afford to continue making my full monthly payments to Navient. When I called the company to request a reduction in payments, they stayed my income was too low per month to qualify me for reduced payments. I explained that with my current income I can make payments every month, but not at the current high rate I am being charged. They then informed me forbearance was my only option. This is not something I want, as I want to continue paying on my loans however I can no longer afford paying XXXX dollars per month.
Consumer complaint received 2022-10-01
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: HYUNDAI CAPITAL AMERICA (GA)

On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX KIA MOTORS FINANCE Account Number XXXX XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

Back in 2008 or maybe earlier, before or at the beginning of the financial crisis, and while in XXXX, I co-signed a student loan for my parent guardian, grandmother, who is now XXXX XXXX XXXX. She used the loan to continue her education at XXXX. 

I am seeking a removal from this loan as I believe it was an unsuitable loan and arrangement for the following reasons : I was a cash-strapped college student and young adult ( XXXX or XXXX XXXX XXXX ) with minimal working history. 
I lacked the background, cash flows, and credit history to make this deal secure. 
I did not have the background or knowledge to fully ascertain the risks and associated with co-signing the loan. 
And lastly, if I had the mindset of a reasonable borrower, I would have not signed or entered the loan. 
Considering all factors, the loan is unreasonably termed and rated, making it predatory and aggressive. 
Given these combined reasons, I demand Navient release me from this loan.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Billing disputes — 
Company: Total Card, Inc. (CT)

Several items in dispute are not resolved with Total Card inc, numerous complaints have been filed against them and nothing done/resolved. The XXXX ( XXXX ), Attorney General of South Dakota, South Dakota dept of banking, have all unresolved complaints against them. Their rep, XXXX XXXX, claims the findings of their investigation were provided to me which is not true. The last information reported to me is the items were charged back to the companies, according to XXXX in fraud. I have heard nothing since. Again, no findings were reported to me because they were not investigated. XXXX was advised XXXX of the companies, XXXX, did issue credit then recharged the account for the same amounts credited. As for the amounts of XXXX both from XXXX XXXX, XXXX was also advised that product/service was not received for either transaction. She stated all charges would be charged back to the companies, this is the last bit of information I received. I wish to reiterate, I was NOT provided any results of findings as again, they were not investigated beyond the point of charge back. it appears XXXX XXXX response is a carbon copy of her last response to the Attorney General complaint, which is also unresolved. She did not state what supposed findings are, just that they were supposedly communicated to me. She further stated I agreed to close the account, which is true, but did not agree to drop any remaining or pending disputes. It appears Total Card is implying they are no longer required to dispute the items further since the account is now closed, XXXX will be notified of this. The credits she refers to are for another disputed item, XXXX from XXXX at XXXX XXXX. This is an incidental deposit for a hotel stay, there was a disagreement over supposed charges made to the room ( s ). The other credit, XXXX, brought the account to XXXX. Please note, these credits were not accepted as matters resolved for the disputes mentioned previously, they do not cover the total charges in the amount of XXXX. As stated in previous complaints, Total Card does nothing to dispute any charges, just a pointless XXXX way conversation with merchant that goes nowhere. Obviously, I would not dispute items unless I already attempted to resolve them directly with merchant, the first step in a dispute process. Please do not mark this as duplicate, the issues are not addressed or resolved.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX, that is XXXX XXXX XXXX but I saw on my EQUIFAX credit report somebody 's else name XXXX XXXX XXXX, which is not me. Please remove the name XXXX XXXX XXXX because its effects my credit scores.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I did multi factor authentication and proviced the correct recipient 's phone number and Venmo still sent the wrong person my money. 
nobody at venmo has been helpful. 

I had to hunt down the person that has my money. She confirmed it was her account and then blocked me from calling her. 
Her name is XXXX XXXX and she lives in XXXX Ohio phone number XXXX If she has spend this money, i need to press charges as this is illegal. It is illegal for her to knowingly spend my money in her account as it was a venmo mishap. 

The process to request money back is tricky and we accidentally sent the wrong person more money!!!! Venmo would not help. 

Last, I'm not sure Venmo looks for people that just leave their money sitting in venmo and abandon their account or if they just end up keeping the money when people dont do what I'm doing here.