davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I open the Citibank checking account back to XX/XX/XXXX because Citibank has a promotion. 
it state that to qualify for a XXXX cash bonus, open a new consumer checking account in the Citibank account package by XX/XX/XXXX Within 30 days from the date you opened your new checking account, deposit XXXX or more in a new to Citibank fund into your new checking or new or existing Citibank saving plus account. 
A minimum balance of XXXX is required to be maintained in the new checking account or new or existing Citibank savings plus account for XXXX consecutive calendar days following the date you made your qualifying deposit. 
The bonus will be received 90 days from the date of the qualifying transactions. 
on XX/XX/XXXX, I went to the branch to see what happen with my XXXX bonus, the branch told me she will send the claim to the customer service but it will take 48 hours to response to me. I kept waiting for the answer. Finally i got the response on XX/XX/XXXX it said my account has meet the requirement to receive the incentive for the amount of XXXX. 
I assume I should get it by XX/XX/XXXX. I called the customer service on XX/XX/XXXX to follow up my case, they told me I better go the branch to find out what 's going on with Bouns since i opened the account there. XX/XX/XXXX, I went to the branch, the branch made the phone to trace my bonus. Again, they told me It takes 5-7 days to process my bonus Up to date XX/XX/XXXX. I still have n't seen the XXXX bonus in my checking account. I feel so frustrated the way CITIbank they handle the case. I thought Citibank should be honor what they promise on the promotion. It seems like a scam, why they keep delaying the payment.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Opened a CitiGold checking account with the expectation that their signup offer of XXXX XXXX XXXX " AAdvantage '' points would be added to my account, as stated by the offer. After confirming with representatives from the company that the offer was indeed attached to my account, Citi now states that there must be an " investigation '' into my " eligibility for the offer '' when they clearly sent me a message over three months ago stating that the points would be credited to my account XX/XX/XXXX billing cycle. It is now XXXX XXXX, and I have heard nothing but the run-around from Citi.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

national credit collection agent has been reporting negative information to Equifax. Stating incorrect balance. I submitted a copy of my last balance of {$5700.00} with the creditor dated XX/XX/2009. national credit has reported my balance over XXXX, XX/XX/XXXX, today the balance reflecting in my report is over 8k.equifax has fell to removed the incorrect information from my report, national credit has imposed additional cost and never disclosed additional cost related to account, I feel they taking advantage of the system knowing the importance of rental properties checking credit for approval.to be consider for rental. Its been close to 7 years. I feel this practice is unfair and unjust and wish to have removed immediately. Equifax is a XXXX base company .as well as XXXX
Consumer complaint received 2015-07-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (GA)

Long story I had a loan with One Main Financial. When I got behind they offered me an adjustment of terms. The AOT that I signed had a lowered interest rate 6 % down from 33 % and a payment of {$160.00} down from around {$310.00}. What they did not do was put on the form or tell me that the length of my loan would be extended to 79 months from 60 months. After I made the initial payment and was making a XXXX payment the Rep on the phone accidentally mentioned that my loan was extended. I told them I did n't agree to that and asked them to send me something in writing saying that my loan was extended. They have refused. I explained to them that according to THEIR AOT " Except as specifically amended by this Agreement, all other terms of the original obligation will remain in effect. '' I also explained to them that I was under the impression that it was like student loan forgiveness and I would have never agreed to the months being extended that long. They have predatory lending practices. I still ( 4 months later ) have n't been able to get in writing that my loan was extended to 79 months. They tell me refer to my " original contract ''. I keep telling them that 's the problem, the original contract says 60 months. They refuse to give me any kind of documentation. Furthermore they claim they have a phone call with me agreeing to the 79 month term and they have already reviewed it. Every time I try to speak to someone who 's listened to this phone call or try to talk to someone who can discuss this with me they threaten to put this on my credit. No one wants to help me get to the bottom of this they only want me to send payments. I 've talk to nearly every supervisor or manager in the company to no avail. Not only can I not get the agreement in writing but I ca n't get any one to discuss the so called phone call that they have.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

My acco unt is with CONN 's Furniture. I ha d a payment contract with them after I fell behind in  XXXX   2016 . Starting in  XXXX   2016  I made  two  payments a month of {$200.00} and {$240.00}. The last payment was  XXXX   XXXX  where I paid {$650.00} the confirmation #  XXXX .     I have conta cted CONN 's n umerous times to report my payments they said they would but yet my report still says over 200 days late. Shows no payments since  XXXX   2016 .   The last payment which paid off the account they do not have noted on my account. They were to report my account in good standing and paid in full.   No one seems to know what is happening.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (SC)

I deposit a {$6.00} check to my BB & T checking account and the bank mistake it for a {$6000.00} check and credit me {$100.00} to my account. not knowing i use the {$100.00} and now I been hit with overdraft fee.
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BB&T CORPORATION (VA)

I have been a XXXX card holder with BB & T since 2008. I just learned that they put a XXXX block on my account for " susp [ ected fraud '' and then without contacting me closed the account. This reflects poorly on my credit report as it is listed as " account closed by credit grantor '' which is a derpgatory remark. BB & Ts action was arbitrary, capricious and negligent.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NJ)

Equifax deleted all my accounts, and my credit history dropping my credit score for XXXX points. Almost all of tha accounts deleted from my record are still open and in use. They have not provided even a current copy of my credit report.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (IL)

I contacted both the creditor and the credit bureaus about inaccurate information that was on my credit account. I should proof of the matter and they still are saying the accounts was verified. I asked for proof ( all paper work/info ) to be sent to me about how they verified the accounts. They still have not sent me any proof to back up their decision. I contacted them three plus times and still nothing.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I have XXXX XXXX Bank account ending in # XXXX appearing on my Equifax credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX XXXX that states that the account should be removed.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/16 I received a call from a scam falsely claiming to be IRS and that I owed over {$5000.00}. I was told that I must buy a {$500.00} tax payment voucher or {$500.00} of XXXX gift cards at Best Buy and call in the numbers on the gift cards, or face a warrant for an arrest. I bought the {$500.00} worth of XXXX gift cards at the Best Buy, but did not call in the numbers to the scammers. I went to my elected official and I was told it was a scam. So I went back to Best Buy immediately to return the XXXX {$500.00} gift cards and to have my credit card purchase cancelled. Best Buy told me that you can not return XXXX cards once they are purchased. 
I write to ask your help in allowing me to return the Best Buy {$500.00} gift cards and have my credit card purchase cancelled. My credit card company called Best Buy and confirmed that Best Buy policy does not allow return of XXXX cards. 
Since then, I recently heard a news report by XXXX that retailers should be aware of this scam and warn customers before making large purchases. I was not made aware of this scam by Best Buy, so I believe that Best Buy should accept my return of the XXXX cards and cancel my credit transaction. 
It just seems wrong that XXXX & Best Buy were aware of this scam and profited by my purchase. The Best Buy manager felt sorry for me that I am a XXXX that was victim of this scam, but still did not cancel the transaction.. It seems wrong to me that XXXX and Best Buy profited on this XXXX scam. 
The Best Buy is at XXXX XXXX XXXX, XXXXXXXX Also, I filed a report with the Treasury Department on this scam. 
Thanking you in advance for your help.
Consumer complaint received 2016-01-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TN)

My ex-wife made me an authorized user on her credit card accounts without my knowledge. Once our divorce was finalized, she agreed to the conditions that the judge approved. She was directed to remove me from her accounts and to not put me down as a authorized user again and to not apply for anymore credit cards in my name.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Macy 's numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Macys XXXX XXXX XXXX & XXXX Sincerely, XXXX XXXX
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

I did not received my Citibank Credit Card statement for XX/XX/XXXX resulting in them assessing a late fee of {$29.00}. I remember that I had an outstanding balance on my card and went online to check when the payment was due, I found out that the payment was due the next day. While I was online, an attendant reached out to me and asked me if I wanted to talk. I explained to the person that I did not received my monthly statement XX/XX/XXXX resulting in me not making my payment on time. the attendant reviewed my account and stated that since this will be my first late payment, he would go ahead and waive the later fee. I made the payment ( total principal outstanding ) that day via ACH and thought that that would be the end of that. However, I received an email in XX/XX/XXXX stating I now owed {$58.00} which reflect pyramid late fee. I called back to discuss my account and was told that the person who told me the late would be waived made a mistake and I would have to pay the late fee. I think I should not have been assessed any late fee in the first place because the bank did not provide me with a statement which they are required to do 21 days before the payment is due. In addition, pyramid fees is not allowed. Please advise me if I am interpreting the card act incorrectly. Your assistance is greatly appreciated.
Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

Since PNC purchased my Mortgage note, I have had nothing but problems logging in their website to check where my account is at. Their EST hours make it difficult for me to contact their support. I get no paper statements, they charge me for online mortgage payments ( my other lender did not ). Nothing but problems.
Consumer complaint received 2015-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

I have received a credit card application in my XXXX year old 's name, XXXX XXXX XXXX, what do I do? My purse was stolen from my vehicle 2013 including my and children 's social security cards. Nothing came of it until this. Help me with my next step please!
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian has ignored my request to provide me 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 accounts under Section 611 ( 5 ) ( A ) of the FCRA- they required to* promptly delete all information which can not be verified * that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2015-06-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

i am behind on my car payment but I have an automatic withdrawal set up to come out of account this month. they keep calling me every couple minutes sometimes XXXX in a minute. I know they are allowed to call but I did n't think this much. how can they do this. it 's depressing me. my phone beeping from them every minute of every day.
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

RE :! 15 U.S. Code 1681g - Disclosures to consumers XXXX/XXXX/XXXX Attention Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
Collection ( s ) Account ( s ) XXXX 
XXXX XXXX XXXX, XXXX {$280.00} Inquires XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.!
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

US Bank sent me an acknowledgement of a facially complete application, dated XXXX/XXXX/2016. I followed up with a phone call to my mortgage assistance point to verify that foreclosure would be halted at this time. However, I 've just received a notice of default dated XXXX/XXXX/2016 which leads me to believe they are dual tracking and a halt to the foreclosure process on my property has not occurred during my review for loan modification.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Experian have not removed this information from my credit file to date. Experian is reporting a Public Record filed XXXX/XXXX/2016. According to the Courts, they did not supply information to Experian for the incorrect data that they are reporting on my credit file. I need your assistance in getting this matter resolved and removed from my credit file.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (PA)

When I opened my US Bank XXXX XXXX Premier Rewards Visa Signature Card, the terms and conditions promised that as long as the annual fee is paid, a bonus award hotel night would be provided whenever I use my gold points to book award nights of two or more consecutive nights at the same XXXX XXXX property. That benefit is now being taken away, and no direct compensation is being provided. My annual fee of {$75.00} was charged in XXXX and I paid it because I believed I would be receiving the free award night benefit for the entire year.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC (VA)

Went TitleMax in XXXX, VA to inquire about a loan, to simpky get an assessment of how much they might lianThe man I talked to was XXXX XXXX, and told him that I simply wanted an assessment. They said theyTook pictures of the vehicle, extensively, including the VIN number, inside of door, and the tags. I did n't know why that was necessary to just get an assessment. I told him I was n't getting a loan, I just wanted to know how much they would loan me and how much such a loan costs. 
Car is worth about {$3500.00}, but they said they would loan him up to {$2000.00}. 
I only wanted to borrow {$1500.00}, but they needed all my information before they could give me a ball-park of what the loan would cost. 
They made me fill out a piece of paper that I understand I would only borrow what I needed. They took all my information, just for an assessment. After all that, the loan was extremely expense, and they terms seemed ridiculous, so I said I did n't want it. I asked for my paperwork and the pages with my signature, and the guy said he shredded them, but for some reason I did n't believe him. I want to be sure they actually deleted my information, but there was n't anything I could find about how to ensure that. I do n't like that they take your information before giving an assessment or information on what they cost.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NY)

I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??
Consumer complaint received 2023-01-05
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX account # XXXX account # XXXX have been violating my consumer protected rights. 

15 U.S.C 1681 section 602 A. States that I also have a right to my own privacy.

15 U.S.C 1681 section 604 A / Section 2, also stats that a consumer reporting company connot furnish my account without my wirtten consent.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

My home mortgage was bought out by Chase after closing on my house. My PMI was suppose to drop off once my Loan to Value ( LVT ) ratio hits 80 %, my LVT ratio has hit 65 % and the PMI still has n't dropped off. I have contacted them 3 times and they are unwilling to drop it off saying I am not eligible, when the law and terms clearly states it drops at 80 %.