davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received a call from Citibank N.A.  asking if I had received my check from the settlement between them and the CFPB. I said I had no idea what they were talking about, they explained it and said they would send another check. I should have my refund before XXXX. 

So I waited until XX/XX/XXXX or very close to that date, and I was online with chat and then made a call and talked with a person about it. She had a very disrespectful attitude and told me that the check was in the mail. I called again XX/XX/XXXX and they told me I had to talk to their 3rd party company, they told me it was mailed XX/XX/XXXX and I should wait for it. I told them that I work for the Postal Service and I know how long mail takes and this sounds like a stall tactic. So today XX/XX/XXXX I am talking to a person who told me that they would cancel the check and it would take 40 days or more to get a new check to me. I have used the same address since XX/XX/XXXX.  So if it was sent I should have had it. 
My problem is this : If I was one day late past the deadline they would charge me a late fee, and put a hit on my credit. For 7 years? or something like that. But they get to use this money and are still using it as for as I can tell, to get interest or be invested however they wish with no penalty or pressure on them at all. Any penalty that they paid to you did not benefit me it just went to you I am sure. 
I also feel that I am talking to people who have no power at all to make it happen. They just give excuses that were provided for them, and just keep delaying the payments.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2021, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the item that are still reporting on my Credit Reports : XXXXBalance {$8600.00}
Consumer complaint received 2021-08-16
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (PA)

I sent National Recovery Agency ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) a letter on XX/XX/2020 to verify this XXXX XXXX Hospital debt and I let them know the debt wasnt mine, but Its been over 30 days and I have not received any kind of correspondence. No call, no letter, no email. I would like this debt removed from my account asap. Its bringing down my credit score and Im not getting any kind of response to my letters.
Consumer complaint received 2021-08-16
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 — Investigation took more than 30 days
Company: CBC Companies, Inc. (GA)

I have filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation
Consumer complaint received 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to Equifax and XXXX. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.
Consumer complaint received 2022-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Hello. I have worked in public service for 9 years. I have been paying on and off over those 9 years. When I decided to go back to school I called the loan servicer XXXX at the time to ask what my options were. I wanted to pay but I couldnt afford the high payment plus paying for school. I was told all or nothing for payments. A hardship would be best or to be in school part time. On top of that I was also told that when in school your loans go to deferment / school forbearance, Those payments would not count towards any forgiveness so its best to just not pay because I would be giving away free money towards a loan. Just wait I wanted to be on pslf and I didnt even have a pslf form filled out. I was told based on my form to verify employment and pay stubs that is all I needed. Sadly this information I was told years ago was and is all wrong. I was on a standard payment plan if some sort making large payments when I could have been on a more affordable one. Im so hurt by this and I know Im not the only one. I wish there was a way to recalculate my payments based on my income at the time and be able to pay these. Now years later I make more money than 9 years ago and my payment is almost the same or less because Im on the right plan. This has to stop people need to be helped out of load not misguided. Forbearance and school should count and should have a set payment of zero. You dont know what you dont know. People want to be out of school Loan debt not in it for a lifetime. I cant even see anything on my loans since they were sold.
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I recently signed a lease for renting an apartment on XX/XX/XXXX at The XXXX at XXXX, XXXX, Florida-33177. The leasing office with the help of " XXXX '' - a screening software provider to the rental real estate industry, requested duplicate Hard-inquiries on my credit for the same report. I called the apartment leasing office, XXXX, and Equifax, but none of the three offices acknowledged that they made the mistake. I also requested them to help me to remove one duplicate report from my credit history. 

It mostly the Equifax which is the agency run by some novice people. I spoke to a customer service agent and she kept asking questions one after another ( more 10 questions ) including how much balance available on my different account to just verify my identification. I feel that this just a violation of my personal information and abuse their power. At the end she even could not verify my identity and help me at all, just wasted my time.
Consumer complaint received 2020-09-24
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: LEXISNEXIS (TN)

XXXX  reported an at fault accident to Lexis Nexis. And that made my car insurance go up, and now I have 4 points on my mvr. I sent information to them XX/XX/2020 and still havent heard anything back from them. I continue to call them but Im told they have nothing to do with that. And when I call Lexis Nexis they are telling me that they cant do anything about it because XXXX  reported it. I sent in police documents from the accident in question. And I even asked them about information on the accident that they reported. And of course I received nothing. And nobody can tell me anything. In the report they can see I wasnt involved in the accident at all. My car was but me physically.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (ME)

The issue started last year with the start of the covid outbreak and shut down. I was put on furlough at work, my child was out of school. I got behind in the payments of the credit card, JCPENNEY. I made a call, they stated they could help, and put me on an extensive payment plan, due to the financial burden I was going through with the Covid. I had spoken to an agent, it was all set up for {$26.00} a month and was set up to come directly from an account. The first payment was successful no issues. Months went by and the calls continued. Each week I called back, stating this matter had been all fixed and I was set up for auto monthly payments. I get yes, I see that, I am not sure what happened. I was assured it would be taken care of. This conversation went on for months, and nothing was ever fixed. Now a year later, only one payment done, and multiple calls made by, myself, every time I am told the same thing. We will fix it, I see that it was already addressed and set up. To this day, nothing has been fixed, I get multiple daily calls, emails and text messages. I get nothing by mail. I had been ignoring the calls, emails and texts, cause I am tired of the same conversation, explaining myself each time with the same out come. At this point, it is not my fault they can not get this fixed. I want it off my credit, for the sheer frustration, stress and pain in the XXXX they have been and caused me. As well as the multiple hours spent on the phone with reps, management etc.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

A call was received by my daughter XX/XX/XXXX to confirm the opening of a credit card. My daughter stated she knew nothing about this and was given a phone number to give to me to call and confirm that I was applying for the credit card. I received the call from my daughter and was given a 1800 number to call. Upon calling them I stated that I did not request a credit card to be opened in my name. The lady attending my call stated that the card could not be cancelled at that time. They needed to wait 14 days to cancel the card. 

An invoice is sent to my ex-wife 's house for this card, that was supposed to be cancelled. I call the company and advise that I did not request this credit card. I was told the card would be cancelled. 

In XX/XX/XXXX I received a court summon for the default of the account and a pretrial was. At the pretrial I attended with my son for translation purposes. I advised the person for the bank that the account was opened fraudulently and a disposition was provided a voluntary dismissal CPI for 60 days. Not understanding what this meant. 

I wanted to fraudulent transaction removed this from my credit report and believing that the case was dismissed, I had my daughter file a dispute with XXXX  XX/XX/XXXX to have it removed. 

I receive a new court summon for mediation with CitiBank regarding the same fraudulent account. I attend mediation on XX/XX/XXXX with my son for translation purposes. The attorney for CitiBank states that an investigation was done and I am the person that opened the account. That I never responded to any of the invoices or called them to let them know that it was fraudulent activity. I advised the man that I called when the number was given to me by my daughter to confirm the opening of the account and stated it was not me. I called when the invoice reached my ex-wife 's house and states the account was not opened by me. I had to provide CitiBank at that time my correct phone number and address, that they did not have for me. Yet, the person says the account was opened by me with this wrong information. The person for Citibank would not let us know if the account was opened in person or online? What documents were used to prove identity? Why did they call my daughter to verify opening the account? 

The CitiBank person did not want to verify any of my information at the mediation to confirm my identity. I had my passport, my driver 's license, and social security card available for review in this matter. 

The account has a balance of {$3800.00} used at a tractor supply company according to the invoice in the court documents. A trial date is pending. I can not afford an attorney and would like to resolve this matter. I would like to have my identity flagged for fraudulent activity.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: PNC Bank N.A. (PA)

I have contacted PNC regarding pre-payment for warranties for both my homes for three years. PNC requested that I provide them in writing proof that I have been defrauded which I provided. The information provided to PNC are receipts for payments I made out of pocket for services that are supposed to be covered by my warranties. Proof from the XXXX XXXX XXXX that the warranty company XXXX XXXX XXXX has defrauded their customers and are not covering services as they are contracted and having customers pay out of pocket and never reimbursing them as stated. I provided proof that XXXX XXXX XXXX has not reimbursed me for me paying in total for services that were supposed to be covered by my warranty. I provided PNC the correspondence with XXXX XXXX XXXX showing that they still have not refunded me the money in the timeframe they have provided and they are being investigated for defrauding their customers. However, PNC still has not reversed payments that were made both in advance and that were supposed to be in affect and XXXX XXXX XXXX has not honored. XXXX XXXX XXXX is also being investigated by the Attorney General 's office for defrauding its customers. I have attached just a few of the payments that I have paid out of pocket and never been reimbursed.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

On XX/XX/22 I called Mohela to voluntarily pay off several of my student loans during the covid pandemic forbearance period. The agent that I reached verified the amounts to be refunded to me which is the amount of {$17000.00}. I asked the agent for confirmation number or a receipt. However, did not receive a receipt or confirmation number that the refund had actually been initiated. I was told to check my account periodically and so far nothing has changed and it is now XX/XX/22. I have tried several times to connect with an agent with over 2 hours of waiting on the phone and they have not seemed to be able to tell me what is going on with my refund.
Consumer complaint received 2020-12-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MD)

I have a court date for a loan that I did not pay from Lending Club. However, I am not sure that they can charge the 30.99 % annum interest rate in the State of Maryland. The loan came from XXXX XXXX which I later found is being sued in a Class Action Lawsuit. What can I do to fight this in court?
Consumer complaint received 2020-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MN)

In XXXX my XX/XX/XXXX XXXX payment was the last payment I was able to afford on my truck after Wells fargo bank put CPI insurance on it and never asked me or my agent if I changed my insurance or dropped my insurance. It increased my payment by almost XXXX a month. The response by wells Fargo auto loan was I needed this on my truck. Bringing my payment to XXXX and change. I live on XXXX  and cant afford that much. They were no help when I called several times. The bank is now very confused on the dates of repo. XX/XX/XXXX Saturday night at XXXX or XXXX XXXX the repo man knocked on my door and I went out with him and opened my garage to allow him to hookup to it. The Bank started saying in the last couple weeks that I called on XX/XX/XXXX and said I wanted my truck repossesed that was already done I never asked wells fargo to do no such thing ever. The forced placed CPI was what made me unable to afford my truck nothing else. I had to file bankruptcy to stop the the harrasment from collectors wells fargo had hired. I could not get a apartment or a decent place to live after this until years after the repo. I lost my truck to them in what I call a theft of my truck.They keep saying I need insurance from XX/XX/XXXX to XX/XX/XXXX At this time Wells Fargo had my truck from repoing it on XX/XX/XXXX. 
I cancled my insurance on XX/XX/XXXX. They didnt sell the truck untill XX/XX/XXXX 6 months later. 
Here is where there wrong in XX/XX/XXXX I made the last payment before they put CPI on mhy truck. 
XX/XX/XXXX was 6 months and 2 days later with no payments. They as a company according to auto loan dept on XX/XX/XXXX max is 95 days well that was incorrect in my case as well. There is no way wells fargo repoed my truck in XXXX in XXXX as I no longer lived there. I also no longer had my truck because of there repo due to forced placed CPI by them. I know the date by two things the proof of insurance and my diary which has the date as XX/XX/XXXX as well. I called them for the last time on XX/XX/XXXX. 
Never called in XX/XX/XXXX as they claim. On XX/XX/XXXX I moved out of XXXX and the truck was gone to them. 
I am out alot of money and there being really not nice denying me outside aribritration. You will notice the letter from XXXX XXXX stating the forced placed CPi could have caused my default. She is the only one that got that right. She is the vice President of CPI refunds at Wells Fargo Bank. Wells fargo has had some really bad employes over the years and made alot of victims out of people for no reason they say they want to make things right. I dont think that at all. Like they told the Federal reserve there going to be forced into closing there doors for good. To get the cap lifted on the gross value. 
That was earlier this year. I dont feel for them at all. As they dont for me. I dont understand there records and all the charges and also dont understand why aribritration is so out of line.
Consumer complaint received 2019-03-31
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. (FL)

I notified each of the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

On the XXXX of XXXX, someone in far away California, who had probably found a way to clone my card, and deduce my pin number ( as informed by Police ) went ahead and deducted {$160.00} from my account. At XXXX on the same day, I in XXXX Maryland tried to check for my payment from my job, and found the said amount had been deducted, since then I have requested investigation, reported to the Police, yet Citibank keeps reimbursing and then going ahead to later deduct this said amount, after they claim that " this activity is consistent with my normal banking activities '' ... Please how would I have used my ATM in California at XXXX and then come to my bank in Maryland at XXXX and XXXX to complain?? How could I have gone to work the night before in Maryland then be in California by XXXX on XXXX??
Consumer complaint received 2021-08-16
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. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

I would like to file a complaint regarding M & T Bank of XXXX Texas. they claim I had a lapse in insurance for the property we had a loan with, this is not the case. I have complete documentation that there was no lapse in insurance. M & T Bank withdrew {$230.00} out of my escrow account to buy a temporary policy without my permission or letting me know, I received no policy number or information about the temporary insurance. I have no proof that they bought this un-needed policy that I did not need because my policy did not lapse. The money in the escrow account belongs to me it is not a slush fund for them to remove money without my permission I consider that theft. I have called my insurance company they have assured me my policy never lapsed, my insurance faxed, emailed and texts my policy information to M & T Bank. M & T Bank did not care and was taking the money anyway. I believe they have sloppy book keeping and I think a full audit should be performed to protect customers. I am sure I am not the only one with an issue. Thankyou for you attention in this matter