davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, my Citibank XXXX credit card was blocked for fraud report when trying to make a charge while I was overseas. I called in to try to unblock card but they weren't able to verify my identity over the phone, despite me being able to provide my details. Instead they sent a mailer to my home in the US which I had no access to. Instead, I had to use a different credit card from Citibank ( Citi XXXX ) which had a foreign transaction fee. This means I had to pay additional fees as I could not use my initial card ( which had no foreign transaction fees ).
Consumer complaint received 2021-03-15
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: CITIBANK, N.A. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CITI XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (PA)

I opened a PNC cash rewards credit card in XX/XX/XXXX. I opened the card along with a checking and savings account. I found an advertisement online regarding promotions for {$300.00} ( for opening an checking/savings account ) and {$100.00} ( for opening a credit card ). The CSR said she opened up both accounts and gave me both promotions, but she had some IT issues and had to get her manager to enter some information for her. 

I met the requirements for both bonuses and I eventually received my {$300.00} reward. However, PNC did not pay the reward for the credit card. I called numerous times to PNC in XX/XX/XXXX and eventually got to a retail escalation agent. I documented contact with XXXX XXXX at XXXX ( reference number XXXX ) on XX/XX/XXXX. She basically said that the CSR did not enter the promotion code upon opening and I did not qualify despite meeting all the requirements of that promotion ( they are still currently running the promotion ). She refuse to send me an email documenting the circumstances and I called again to another retail escalation representative and she would not send an email documenting the details either. 

Given the lack of transparency, I'm confident they know what they did was wrong. The CSR either lied about me not requesting the promotion or had IT or training issues. I believe that the false advertising may qualify for a UDAAP violation and civil money penalties for all potential PNC credit card customers.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (MN)

Navient Student Loan Servicer is trying to charge me with Commercial/Private student loans, which were disputed in 2018. There were three letters written to this company to get this situation resolved. Today, I spoke with a customer service representative and a supervisor, regarding the situation and it still is not resolved. As explained, to the representative of the company, '' commercial/private student loans are only take out, when the unsubsidized, subsidized loans and grants don't cover tuition. Since the dispute has not been resolved, please contact Navient. I requested promissory notes in 2018 and they sent notes, with no signatures for these private loans. I am not responsible and require that a full investigation be done. Thanks for your help and hope to hear from you soon?
Consumer complaint received 2022-10-27
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
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)

XXXX XXXX- {$1500.00} XXXX XXXX- {$580.00} I have disputed these items on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After several attempts to verify and validate the debt I have been unsuccessful. I notified all three bureaus by certified mail the accounts where fraudulent. I have requested verification of my signature authorizing the reference accounts. The information is being erroneously reported on my credit report which is having adverse effects on my mortgage loan applications.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I purchased a pair of shoes on line and paid via PayPal. I tried contacting the vendor per their suggestion. Apparently because the vendor 's name is an individual 's, Paypal does not offer any protection. 
The vendor 's name is XXXX XXXX. I paid him {$62.00} I tried to contact him to this email address to no avail. There is no reply and no product has been delivered. 
Paypal also does not have an email address for this individual. The message I got from Paypal is : " you are unable to send this user a message '' How does PayPal allow this type of vendors is beyond me. ( see attachment ) Thank you for your help, XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (HI)

Contacted EdFinancial on XX/XX/XXXX via email to request refunds of student loan payments made during the COVID payment pause ( beginning XX/XX/XXXX ). I continued to follow up via email and submit any requested documents and Edfinancial has not given me a date of when my refund will be processed and when I will receive the refund to my account, while other service providers are processing within XXXX weeks and sometimes within XXXX weeks. I received no confirmation of request for a total of {$4900.00} of payments made since the payment pause. I need the balance reinstated and refund ASAP for correct student loan forgiveness eligibility. They were fined for misleading consumers and their latest data breach too.
Consumer complaint received 2019-02-11
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. (LA)

My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (TX)

My stepson, who was XXXX at the time, went to a doctor. That doctor billed the insurance and sent me a bill. I called them and explained I am not his guarantor, he is XXXX and provided his contact information. I was told that I am not a good parent and should take responsibility since he is my son. I advised him it does not work that way, he is of legal age and legally his own guarantor. They called him and he did not answer. They called me back and said both my wife and I are irresponsible and should have raised him better, not to leave debts. I told her he is his own person and I am not paying the debt for him. I was told they would turn me over to a collection agency. I advised them they can not since the debt is not mine. Captial Accounts has called me three times in a week and I have explained this to them. They told me the account was put in my name and turned over to them, I would need to take that up with the doctor 's office. I told them the Dr office refused to do anything and they are harassing me by constantly calling for a debt I do not owe. They talk over me and are rude, then ask me to verify my contact information so they can continue to contact me. I usually curse and hang up on them, my right to do so.
Consumer complaint received 2022-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (TX)

Ive been contacted for over a year from different numbers and I had talked to them over a year ago and they mentioned that I owe apartments I applied to but never moved into. I told them I never even received my refund after denying the apartment once i saw it wasn't the upgraded apartment my brother and I paid for. They said that the first months rent is going to go on both me and my brothers credit anyway which obviously reflects negatively and I want it completely removed from my credit. I will advise my brother to file a complaint as well because this has gone on too long and is now a derogatory mark on my credit
Consumer complaint received 2022-10-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC (MS)

MRS Associates has contacted my mother instead of me regarding a debt I allegedly owe, which is in complete violation of the FCRA. I do not owe any semblance of debt and have the call log to prove they contacted my mother.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I have disputed with all 3 credit bureaus a old account that was closed in 2015 with negative information. They fell off and my credit score jumped 60 points. The following month they reappeared and my credit score dropped 60 plus points. This has been going on for months. Ive called the company that issued the car loan, XXXX Equafax etc and nothing. Please help me.
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased my XXXX XXXX XXXX on XX/XX/XXXX. Hyundai finance has yet to send me the title. I call every day to customer service and what they tell me is that my account shows active so the title department can't send me the title until the account is inactive. They claim they email the department to correct this mistake. It is now over a month and the folks at Hyundai still tell me that the title has not been sent.
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NH)

Money was in Venmo and a funds transfer was initiated XX/XX/2022. Estimated completion time was given as XX/XX/2022. The money is still pending as of XX/XX/2022. A ticket was submitted through Venmo, however no contact has been made and no other options are available. The chat bot does not have a resolution feature fit for this type of situation it seems. 
I understand funds can be delayed, however shouldnt they have to give a reason why or try to work with their customer.
Consumer complaint received 2021-09-09
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (NE)

I was behind on payments being made to a Wells Fargo credit card account. I set up some type of payment arrangement with them but I could never see if I was caught up on making these payments as the new payment arrangement never showed up in the account and still told me I was past due. Furthermore they continued to report the amount as being past due the same amount even though I had been making payments. I had letters sent to me in the mean time saying I could not receive any more relief at the same time furthering my confusion on what was actually happening with this account.
Consumer complaint received 2021-03-15
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: CITIBANK, N.A. (FL)

I had put a deposit of $ XXXXfor some work on my credit card on XXXX said work which was to start on or before XXXX they never showed up to start the job and are not returning my calls. i would like to cancel this transation. I had call Citi on XXXX and got discoed after 10 minutes. then i tried chat some thing named XXXX was to send me somethinng via e mail I have not received it. I called this morning and got discoed after 14 minutes. when i called back and got disconnected after 4 minutes.XXXX is the number at citi bank i was calling.
Consumer complaint received 2022-10-27
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: Exeter Finance, LLC. (LA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account and or loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-27
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: CITIBANK, N.A. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
CITICARDS CBNA XXXX Date opened XX/XX/2016 Balance : {$580.00}
Consumer complaint received 2021-09-09
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. (NJ)

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, EQUIFAX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KS)

I reported unauthorized transaction on my debt card to Wells Fargo bank on XX/XX/12 and was issued a temporary refund in the amount of {$3500.00}. I called Wells Fargo by the ends of 30 days and was told the refund is completed and case closed. I had a missed call from Wells Fargo Friday at XXXXXXXX XXXX on XXXX XXXX, I called back Monday XXXX XXXX and was asked that the business has your info, do you still believe the transaction is unauthorized? and I said yes, I have a receipt from the business that I paid the charges and I also told the bank that you told the case closed. Later on XX/XX/XXXX, I received a 2 line letter stating that the amount will be reversed on XX/XX/XXXX. I called many times and complained but they kept telling me the case closed with no explanation of any kind as it why and what happened to the legal time frame of the dispute. Now my account is negative {$3700.00} with fees.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I called on XXXX XXXX, 2021 informing Chase Bank that there were fraudulent charges on my account. XXXX. There were 7 fraudulent charges totally {$910.00}. Chase bank cancelled my card and said they would reverse the charges. But after a so-called investigation, which they never asked for information from me, they told me that I was responsible for one of these charges for {$100.00}. And told me they would take it out of my checking account on XX/XX/2021. They gave me no information on appealing this decision. My XXXX XXXX credit card had 6 fraudulent charges as well for a total of {$590.00}. All but 2 charges were reversed. And XXXX XXXX said they were not fraudulent ; one charge of XXXX and the second for XXXX. Mind you XXXX XXXX has a 0 liability for fraudulent charges.
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

I recently filed a complaint with the company about a debt that they have put on my credit report that does not belong to me and is the result of my identity being stolen. After I filed the complaint they sent me a email with an affidavit that I needed to fill out for them to start an investigation which would take up to XXXX XXXX. I submitted the affidavit by email as requested and not even XXXX XXXX later I received a email stating the investigation had been completed. I called the company and they agreed that the investigation was not complete and a specialist would reach out to me to get this taken care of. I still have not received communication back since XX/XX/2022. Then they closed this complaint. I dont believe a proper investigation has been completed in such a short time and asking for a explanation and proof of investigation.