davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-30
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: CITIBANK, N.A. (WI)

Dear Sir or Madam : I believe that the Citibank made a mistake on my reward points in XXXX. When I submitted a complaint to you ( case ID # XXXX ). They provided an answer with wrong information. I then tried to collect the evidences which are my credit card statements. However, they deleted all the on-line files without my consent. I asked them to provide my statements to me. They provided the linkage for me to download these requested statements. After viewing the statements, I found that they did make a mistake. Furthermore, I believe that they fabricated my credit card statements, which is a Federal felony. 

First, I show the mistake that the Citibank made : I made a purchase between XXXX XXXX and XX/XX/XXXX, which produced {$34.00} rewards shown on Page 2 of XX/XX/XXXX statement. However, the Citibank took the {$34.00} away on XX/XX/XXXX because the Citibank claimed that the account was not active for 12 months. They were lying because you can see that there was a {$0.00} reward left in the same page 2 of XX/XX/XXXX statement. This {$0.00} rewards was also shown in the page 2 of XX/XX/XXXX statement. If my credit card were not active for 12 months, this {$0.00} should have been taken away together with the {$34.00} reward by the Citibank on XX/XX/XXXX. The Citibank made a mistake. 

Secondly, I believe that the Citibank fabricated my credit card statements in order to cover their mistake by showing that there was no activity in my account between XX/XX/XXXX and XX/XX/XXXX. They closed my account and deleted all my statements without my consent before XX/XX/XXXX. After requesting the statements, I found that the page 2 of XX/XX/XXXX statement showed that the {$0.00} reward was from previous balance. No matter how the Citibank fabricated my credit card statements, the {$0.00} reward indicated the conflicting point. If the {$0.00} existed before XX/XX/XXXX as the Citibank claimed, it should have been taken away from my account together with the {$34.00} reward on XX/XX/XXXX. In fact, the {$0.00} reward stayed in my account until XX/XX/XXXX, which suggests that the {$0.00} was obtained after XX/XX/XXXX if the Citibank has a correct tracking system. Frankly, I remember I saw the {$0.00} from sometime late XXXX or early XXXX when I made some operation for another credit card. 

This {$0.00} reward is the key evidence to show that the Citibank made a mistake and then the Citibank fabricated the statements to cover their mistake. It shows how the Citibank intended to take money form its customer and break the Federal law. 

I ask you, our government for justice. Please find attached my credit card statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I cited in the complaint. 

Thank you very much XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (VA)

I have tried to work with my mortgage company and submitted everything they have asked. They placed a foreclosure sale date and stopped my review for help. They advised because they had not received documents but I have been sending them documents for months now with no resolution from them. 


Please help me save my home!
Consumer complaint received 2017-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (OH)

I was not properly informed about the terms of the loan. I was not mailed an initial confirmation letter nor a loan monthly/annual summary statements in the first 4 years of the loan. I was not told the loan was purchased by Discover. I Did not understand the loan was at a variable interest rate. My mother   XXXX   XXXX   was put as a co- consigner. She was not present when I toke out the loan. We did not find out until years later. My father 's signature show as the only co signer, yet my mother is on all the paper work. I ask Discovery for a copy of the original loan paperwork with the cosigner signatures and was sent one. Only my father. I have been paying on this $  XXXX  loan about {$190.00} a month for several years. The balance is $ 16k approximately. I found on the internet others have had this same problem.
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-discover-bank-to-pay-18-5-million-for-illegal-student-loan-servicing-practices/ Please help!
Consumer complaint received 2019-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/2011 I consolidated my student loans with Navient. I chose to conduct my student loan business with Navient because of the Public Service Loan forgiveness program that they told my I qualify for. I qualify for the Public Service Loan Forgiveness program because I am a XXXX XXXX XXXX for a XXXX. When it was time for renewal of my account three years later I was told I was not on a Public Service Loan Forgiveness program. I believe Navient misled me for me to consolidate and become a customer. I have made several attempts to e-mail/phone calls regarding the matter. The public service loan allows forgiveness of student loans after 10 years. If Navient had not misled me I would have my loan forgiven in 2 years.
Consumer complaint received 2020-08-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have a {$1000.00} certificate of deposit at XXXX XXXX XXXX, XXXX, Fl. It is a Time Deposit automatically renewable, dated XXXX. XXXX, 2001 # XXXX. This bank is now a part of Wells Fargo. 

I sent a copy of certificate to appropriate XXXX Dept. They say they have no record and records are only kept for seven years. 

My Certificate states Automatically Renewable. It has no expiration date! I dont remember ever cashing it in. If I did, why would they let me keep the certificate?
Consumer complaint received 2022-10-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been sending disputes to Equifax in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, Equifax refuses to even complete a dispute and sent me one letter back!
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (CA)

Back in XXXX my Grandma XXXX wanted to buy some appliances, I decided to help her apply for a credit card and she was approved for {$6000.00} with Discover for 0 % which made my Grandma very happy! 

We waited patiently for her card and once arrived, we activated it and then ran into a roadblock, according to my Grandma, Discover had called her and Discover had spoken with an unauthorized representative of my Grandma, who did not approve and thus further delaying her ability to use the card. We believe this triggered them into asking for length details of documents instead of speaking to the real account owner, Discover spoke with someone else and because of their negligence we're held responsible?! I don't think so. 

Then Discover never contacted us requesting for documents for verification, there was NO letter or call of any sort. Discover THEN felt it was okay to cancel my Grandmas account she was approved for? She has a XXXX score with no lates or any baddies, why is she being penalized?! 

We submitted the requested documents even close to where Discover jeopardize my Grandmas health by FORCING her to go to her bank during the COVID-19 Pandemic to get her paper notarized because Discover is incompetent and can't even complete a normal verification method of my Grandma. 

We submitted all her bank documents and the Discover papers over 30 days ago and no response again ... this is what they did last time and blame us!!! 

I've helped my Grandma call XXXX a million times and have provided everything they need yet they continue to neglect us.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank is reporting the same credit card account on my credit reports twice ( duplicate credit card accounts ).

This makes it look like I have 2 credit cards from JC Penney that were opened in XX/XX/2016, instead of only one.

The reporting of duplicate credit card accounts is hurting my credit score, because it incorrectly shows that I have opened 2 JC Penney credit accounts within the past 2 years.
Consumer complaint received 2022-10-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (MD)

My account balances from Grain Technology Inc have not been updated on XXXX since XX/XX/2021. The balance is reporting a high utilization that is harming my credit score. My balance on my grain technology has been paid down for the last two months and has not been updated. I have contacted this company for months and have yet to get a response. This makes is very difficult to get a remedy with the issue.
Consumer complaint received 2020-11-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (NC)

On XX/XX/XXXX I submitted documents for a 2nd mortgage to Discovery Home Loan.

After sending all my documents Discovery declined my application on the basis of my home value.

Why they pre-approved me without checking the home value and requested me to send all my paperwork?

The loan has been declined in the basis of my home value and I am upset because they could have check that prior to requesting my documents. 

XXXX XXXX
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (VA)

A check for the pay-off amount was sent to Hyundai Motor Finance on XX/XX/XXXX, it was received by the company on XX/XX/XXXX and the funds were posted on XX/XX/XXXX. I called on XX/XX/XXXX to determine how long it would take for the payment to be reflected. I was advised the check could not be located. I confirmed with my financial institution the funds were released and the payment was processed by Hyundai Motor Finance. I continued to call every week at least 2 times a week for the next 2 weeks but each time I was told the check could not be located. On XX/XX/XXXX, I was told by Hyundai to file a missing payment request by fax. I went to XXXX XXXX and faxed a statement of the situation along with the front and back of the processed check. XXXX XXXX then noticed that the account number on the draft did not match my account number. I was told by Hyundai to wait 2-3 business days for the fax to be reviewed. On XX/XX/XXXX I called with a XXXX XXXX agent on the line with me. We were told that the check was located and that the situation was being researched and to wait 3-5 business days. When I called back on XX/XX/XXXX I was placed on hold for over an hour so I called back on XX/XX/XXXX. I was then told that there was not update on the missing payment and that my account was now past due and incurring late charges. When calling on XX/XX/XXXX, I was then told to wait an additional 3-5 business days for the research to be completed. Each time that I call the company I am placed on extremely long hold periods and then after waiting the line disconnects. This entire time period I am carrying 2 loans for the same vehicle and it is impacting my credit. I am not getting any assistance from Hyundai to resolve this issue and I am at a loss on how to get this resolved before it begins to severely impact my credit.
Consumer complaint received 2020-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

Today XX/XX/XXXX, I received an email from Equifax stating that there was a change to one of my existing positive credit accounts. When I logged into the econsumer Equifax website there was an alert that stated that I initiated a dispute on my XXXX XXXX account, which is ABSOLUTELY false. XXXX XXXX just reported my closing balance of {$0.00} on XX/XX/XXXX because I pay off that account every month. This is not the first time that Equifax has initiated a false alarm dispute and removed a positive credit account from profile. They did this with my XXXX XXXX account in May as well, which is another account I pay off monthly. In that situation, XXXX XXXX informed me that after they reported my {$0.00} balance they received some type of internal dispute from Equifax and if my account was removed it was the credit bureau 's decision, because they did not request my account to be deleted. At that time Equifax simply mirrored XXXX in deleting my XXXX XXXX account for a false alarm internal dispute. I have the chronological reports showing from when XXXX deleted XXXX XXXX, followed months later by Equifax. The reports also show that it was approximately 5 months later before XXXX added my XXXX XXXX back to my credit profile, again followed by Equifax. I have seen no increase in any of my credit scores in approximately XXXX days, even with having collection accounts removed, inquiries removed, and still keeping my credit card utilization between XXXX % monthly. All my credit card accounts have reported a {$0.00} balance for the month of XXXX, the last being XX/XX/XXXX from XXXX XXXX. I have no dispute case number or anything, because I never initiated XXXX. This is merely another attempt at the credit bureaus throttling my credit score, again.
Consumer complaint received 2020-05-14
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX   XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2021-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

I brought my car in XXXX of XXXX I always since in more then what statement says in attempt to pay off the loan quicker. I noticed that some of my payments were not being applied to the principle of the loan like I asked. I contacted the company both by phone and in writing.
Consumer complaint received 2021-02-22
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: DISCOVER BANK (FL)

Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. 

XXXX XXXX opened XX/XX/XXXX owed {$3100.00} Discover card opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

HSN credit card closed recently without my consent witch it had negative impact on my credit report its been a very stressful time during covid 19 especially here in state of California why would the credit card close my account I have not used it because I at this time can't use it financially for me its not the right time to purchase items on HSN but there is no good reason for company to close my account.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (NY)

I had a loan with AES opened 11 years ago. The delinquency started in XXXX..TEN YEARS AGO. The loan was charged off ( XXXX ). I have disputed this with the three bureaus and they left it on my file with a very generic excuse " we checked with the student loan entity and they said the information was correct ''. Apparently that is all that the CFPB does in XXXX for manipulation of dates and data by data providers. 

But the " last activity date '' of XX/XX/XXXX is seven years past the actual last activity..and even the bureaus historical data shows 120 lates back to XXXX. So this proves that their data is completely in error. 

This item is over the 7 year obsolescence time frame and needs to be removed from XXXX XXXX and XXXX as provided by federal law
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL (UT)

Jc Pennys was over paid over 21,000.00 dollars has called XXXX XXXX 2 and they have told me 5 to ten days after wating almost 15 days they are telling me I need to show them proof its my money I asked them why after 2 calls I wasnt told that until I asked for a supervisor.
Consumer complaint received 2022-10-04
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-29
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. (NC)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (NV)

I receive a call every morning between XXXX and XXXX XXXX from XXXX. They are looking for my ex-husband. I have called the number repeatedly and never get a person. I have left messages with his phone number, explaining that he does not live here. The calls continue. Every day.
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (AZ)

On XX/XX/XXXX I leased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, Arizona for a term of 36 months. Due to my declining physical condition ( Post-XXXX  ) and no longer able to drive safely. I made a decision to relocate from XXXX, Arizona to XXXX, Arizona to an independent assisted living facility. I called XXXX XXXX in XXXX to inform XXXX XXXX I was no longer able to drive safely and would it be possible to terminate the lease early and be excused from the remaining payments. In XX/XX/XXXX, I spoke to XXXX XXXX at XXXX XXXX. Mr. XXXX indicated that it would be possible to excuse the final payments if I returned the car prior to the last 3 months of the lease. I returned the vehicle on XX/XX/XXXX in excellent condition with only XXXX miles on the odometer. On the date of return a XXXX XXXX representative informed me I would be responsible for the {$1500.00} remaining on the lease. I did not have the {$1500.00} to pay the remaining lease amount. A friend who accompanied me volunteered to pay the {$1500.00}. This information was contrary to what I had been told in XXXX by Mr. XXXX ( no longer with XXXX XXXX ). I felt very humiliated and feel as a senior I was taken advantage. XXXX XXXX informed me that they were " in business to make money not give money away. '' I have written to XXXX XXXX and the XXXX XXXX XXXX which have not responded. I have also completed a Consumer Complaint Form to the Office of the Attorney General of Arizona. I returned the vehicle early based on Mr. XXXX 's assurance that I would not be charged the last three months payments.