davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Hello CFPB! 

This complaint is for Citi Credit Card. 

I am writing to talk about Citi 's Credit Card Membership Fee accident. My credit card number is ending in XXXX, valid Through XX/XX/XXXX. Name on card is XXXX XXXX. 
XXXX years ago, I called Citi to close this account and Citi told me it was closed. Then I just let it go for a long time and didn't use & monitor my Citi Credit Card. If Citi takes a look at my statement history, they will find I stopped using this card since then because I was told this account was closed. 

On XXXX XXXX, I happened to find that the card is still active, and Citi was keeping charing me membership fees. So Citi charged me for two times membership fee without informing me! I also never get the mail statement regarding these fees, no chance for me to cancel or dispute. 

On XXXX XX/XX/XXXX, I called Citi Customer Service to refund my XXXX 's membership fee and close this account. At that time, I was told to wait for a refund check and the account would be closed. 

I have been checking mail boxes for two months for the refund check and now I suddenly found that the account is Still OPEN! 

I called tonight ( as of XX/XX/XXXX around XXXX CDT ) Customer Service and got treated the rudest way in my life. Those XXXX Customer Service representatives, they told me they are : XXXX XXXX and XXXX Senior Supervisor XXXX. Ironically, hey said " there was no way to waive the recently charged membership fee '', because I called " too late '', which I don't believe because customers should have right to dispute their most recent past statement. 

I would like to talk to Citi to resolve these issues : ( 1 ) Why Citi didn't close my account two years ago, neither did Citi close my account on XXXX? Why all phone calls ended up keeping my account open? This is causing financial loss for fee-paying account! 
( 2 ) How does Citi train their customer representatives? Why they know nothing and keep doing wrong things? Who should be responsible for this accident?

( 3 ) How to resolve the long-lasting membership fee issue? I request 2 years membership fee back, due to it was violating customer 's consent. 

Thank you for taking care of this issue! I really appreciate it!
Consumer complaint received 2019-04-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I, went directly to the Wells Fargo facility in XXXX Ca, XXXX XXXX XXXX back in XX/XX/XXXX to close a safety deposit box. I closed it at the back teller station, while conducting a banking transaction. I opened the safety deposit box in XX/XX/XXXX or XX/XX/XXXX, when I was in the XXXX XXXX. Unknown to me the safety deposit box is still in my name and funds are in automated payment status from my checking account. 
In XX/XX/XXXX, I went back to the aboveforemention site and explain to them, that I do not possess any key nor have I conducted any access to a safety box that I closed in XX/XX/XXXX. I asked the customer service to provide me any documentation to show that I have been accessing the safety box. Ms. XXXX produced the initial contract, which consist of one paper. I asked her again is there any other documentation, she stated no and referred me to the bank manager Ms. XXXX. 
Ms. XXXX informed me at the time that unforuntately they can only go back seven years I asked her in the seven years does the safety deposit box log show any access. I stated to closed the box. Ms. XXXX stated since I have no key, that they would have to call a locksmith. XXXX staff stated they would reverse the payment, which they did of {$45.00} and only reimburse me for seven years. I told them I await the proper protocol of reimbursing my funds from XX/XX/XXXX-XX/XX/XXXX. I'm still waiting for XXXX to call me and yes Wells Fargo continues to not be truthful with customers. Fast forward the safety deposit is not closed, the payment still being deducted from my checking account. How ironic I called XX/XX/XXXX after dealing with my persistent calls they produced a paper that shows no signature and no key returned. Wells Fargo is definitely not trust worthy in the public eye, its evident from past practices in this matter. Closed the safety deposit box and get my name off that box and stop taking my funds from my checking account.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (AR)

I received a bill in the mail stating that I owed {$2100.00} from an account that I had closed at US Bank. This account was closed in spring of 2021. I recently went to the branch location and they could not give me a date as to when I had closed the account or how any transactions were being authorized after the closure. Apparently the account had a reserve line installed, unsure of the date since the bank can not pull the information. The earliest date I have is XX/XX/2021 saying my balance subject to interest was {$1900.00}. When I closed the account in the spring, it had a {$0.00} account balance. No money was spent on my part, as I had switched banks entirely. So I do not know where this money/bill has come from as no one at the bank or the fraud department can tell me either. Also, this is not the first time that an account has been opened/used fraudulently in my name at this bank. 
The bank location in question is US Bank, XXXX XXXX XXXX XXXX, XXXX AR XXXX.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

I have closed referenced loan has been paid in full XX/XX/2021. From Rushmore Loan Management Services LLC. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted Rushmore to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The Rushmore Mortgage Company. I have all paperwork showing proof Discharge of Mortgage and signed Deed.
Consumer complaint received 2021-11-22
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-01-08
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)

Equifax has received my cease and desist letter on XX/XX/2021. I demanded that Equifax deletes any negative reports collections charge-offs or late payments from my report. I advised Equifax that they are continuing to violate my consumer rights. Pursuit to 15 USC 1681b a credit reporter can not furnish a credit report without written consent from a consumer. I have not given Equifax permission to report any of my information. Pursuant to 15 USC 1692 B2 it is also illegal for a credit reporting agency to state that a consumer owes a debt. Equifax has also received a affidavit of truth demanding that they pay {$1000.00} for each time they have violated my consumer rights. So far Equifax has only removed unauthorized inquiries. I am demanding that Equifax responds to my cease-and-desist letter and also my affidavit of truth deletes all negative information on my report collections charge-offs late payments and also pays {$1000.00} for each violation. Denying me of my consumer rights is against the law.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (IL)

The company CHASE opened a credit card to which I had applied for but never sent the credit card or a notification that it had been issued. 

Their marketing strategy clearly offers benefits when opening the credit card that are available for a limited time. However, by not sending it they made me lose the only benefit that actually made me get the card. I think that's a fraudulent way of operating by CHASE. 

It also affected my credit score negatively by issuing interests on the fees of this card that I did not even know I had and that hence I did not pay on time. Worst service.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (CA)

I received a letter from Credit Management LP that I owe a creditor XXXX XXXX ( XXXX ). 
But I believe that I do not owe money. 
The letter from XX/XX/21 Amount : {$59.00}
Consumer complaint received 2019-04-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

I have made numerous attempts to speak to Hyundai Motor Finance and Ive been given conflicting information or hung up on by incompetent magerial staff and telephone reps. I have made over XXXX in payments and only XXXX has been applied to my principle. 

Hyundai is literally stealing money from me and not applying it accurately to my principal or interest. I guess the money magically disappeared
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

This account is in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (AL)

I had a hit and run accident XX/XX/2021. Upon have the wreck I contacted XXXX to notify them that my car was totaled. I was told that I didnt need to make any payments because I had full coverage and gap insurance. Kia motor finance was paid but still continued to report delinquent payments for 2-3 months resulting in my credit score dropping. Now I cant go get a new vehicle because of the late payments represented on my account.
Consumer complaint received 2022-10-14
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: LEXISNEXIS (TX)

In dispute on my XXXX credit report is Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; XXXX VERIFIES this account without verified proof of investigation, which is a violation against Texas XXXX XXXX XXXX and Fair Credit Reporting Act. Additionally, In accordance with the Fair Credit Reporting Act ; 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; Because the Courts and LexusNexis Do not share this information.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Collection account from XXXX XXXX XXXX is listed as having a balance of {$450.00} on my credit reports. I disputed with them on XX/XX/XXXX, and received a letter showing my balance as {$450.00}, which is not reported on my credit. They also said that further disputes would not be entertained. Due to the incorrect reporting of this account, it needs to be deleted from my credit report.
Consumer complaint received 2021-03-19
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. (MD)

XX/XX/2021 To Whom It May Concern, I have previously disputed a Chapter XXXX Bankruptcy that shows as dismissed on my credit report with XXXX, Equifax, and XXXX, reference # XXXX, and in response each stated that they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to any of the credit bureaus ; therefore, the original response stating they verified the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. 



Sincerely. 
Your Name XXXX XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I refinanced my home mortgage with XXXX XXXX XXXX in XX/XX/XXXX. Within a couple of weeks of closing I received a notice from XXXX XXXX informing me that my loan was sold to XXXX XXXX and that my first payment and all subsequent payments would go to XXXX. Ive proceeded to send monthly payments to XXXX ever since. ( please see attached XXXX   mortgage payment history ) When I applied to XXXX XXXX   XXXX in XXXX, XXXX, I was surprised to discover there was a late payment on my credit report from XXXX XXXX for XX/XX/XXXX. Based on the information stated above this was obviously an error. It was not possible to have a late payment to XXXX XXXX   since, per their instructions, I was not required to make any payment to them since my loan was transferred to XXXX in XXXX, XXXX. 

I called XXXX XXXX  and requested a correction of this error. They agreed and forwarded to me a copy of the letter they submitted to the credit bureaus. Unfortunately the date they reported in their letter dated XX/XX/XXXX ( attached ) was not correct. They requested removal of a late payment for XX/XX/XXXX instead of the actual reported late payment of XXXX, XXXX on the credit report. When I brought this to their attention they were sorry for the confusion and said they would make the correction and instruct the credit bureaus to remove this error from my credit report. The new letter they sent to correct the error in XXXX ( attached ) inexplicably triggered one of the bureaus ( Equifax ) to add, rather than delete, two late payments for XX/XX/XXXX and XX/XX/XXXX, that are now showing up as two new late payments on my credit report which makes no sense since my mortgage account with XXXX XXXX has been closed for well over a year. XXXX  and XXXX detected this obvious error and, according to XXXX XXXX credit servicing bureau Factual Data only Equifax has still not corrected the error. On XX/XX/XXXX I called Equifax and spoke with a supervisor who told me that this erroneous derogatory had already been deleted ( Equifax Customer Service ticket # XXXX ). Despite every effort to get this issue resolved over the past two+ months it appears this has still not been corrected. I feel Ive exhausted every possible avenue to get this corrected and will keep trying to resolve with Equifax.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I had financed my car through a small loan company in XXXX TX. This co was purchased by XXXX XXXX XXXX XXXX in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my XXXX etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the XXXX XXXX XXXX numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

During a period when i was in hospital and not well, i used my account to get food. Over this period US Bank charged me for 18 overdraft fees! or {$640.00}! I deposited cash to cover my debits ( for purchases ) and also paid 2 overdraft fees! 

Please see attached the download of my checking account to see the charges. This is unfair, reasonable and unjust.
Consumer complaint received 2020-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

TransWorld Sys Inc, neglected to provide me with verification of account information. When ask representative to provide me the account number with several attempts to settle debt ; if debt is accurate, caller disconnected call by hanging up. I requested the company to provide verification of debt information, and my request was declined by stating, We don't have to provide you with any details, you need to pay your debt. I have made several attempts with this company and to no avail has receive any appropriate responses to verify debt and attempt to settle. Only responses im receiving is TransWorld updatibg information on all three bureaus reporting agencies continuously.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MI)

On Thursday XX/XX/XXXX, attempted calling XXXX XXXX XXXX XXXX XXXX, who apparently owns my alleged {$830.00} debt with GE Money in order to get more information, confirm the debt is mine, and pay it. I was informed that if I called again, it would be considered harassment, and to not call again. I'm not exactly sure how I'm supposed to pay a debt with XXXX XXXX XXXX XXXX XXXX when calling them is apparently considered harassment.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (IL)

TrueAccord, a debt collector, has contacted me multiple times about a debt that it know that I do not owe. This company and I have never had any contractual relationship. And its partner/agent, XXXX, likewise has no contractual relationship with me either because XXXX voided our transaction due to a failure to provide a contracted for good. 

As such, TrueAccord is violating federal law my trying to collect upon a non-existent debt, claiming to have bought a right to enforce a non-existent debt and for failing to stop communicating with me about a non-existent debt after being put on notice. I ask the CFPB and other regulators to enjoin, fine and otherwise sanction this debt collector and its partner/agent XXXX.
Consumer complaint received 2021-03-18
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. (NJ)

XX/XX/2021 a dispute was filed with Equifax, XXXX  and XXXX regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX, equifax, and XXXX, they are refusing stating it meets FCRA guidelines. Such statement is false.