davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-14
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: First Data Corporation (TX)

On XXXX/XXXX/2015 am authorized transaction of {$10.00} was deducted from my payroll account to XXXX bill pay. I can not know the possible reason why unless the financial institution, or someone who works there is to blame for this because I have no XXXX bill pay accounts. Also, when I called customer service to dispute the master, the first representative tried to tell me that it could n't be disputed because the charge was already settled. Then he told me that he would cancel my card and issue a new XXXX at no charge to me. However my account now reflects a SECOND unauthorized charge of {$6.00} for the reissuing fee.
Consumer complaint received 2016-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: HW Holding, Inc (GA)

I informed the company that I was recording the phone call and I requested that they can not call me. They called me the very next day. I spoke with the same person and he told me he wont call again. I called in to try to talk to a manager named XXXX and he would not listen to me and hung up on me.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CA)

EXPERIAN IS SENDING ME A PIECE OF PAPER TO VIEW THE CREDIT ONLINE ... I HAVE NO WAY TO DOWNLOAD THAT REPORT IN PDF. EXPERIAN ONLY ALLOW A FEW TIMES TO VIEW BEFORE EXPIRY. 
I HAVE NOT RECIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

XXXX/XXXX/2015 - purchased XXXX items at Macy 's on Macy 's credit card totaling {$100.00} ( only transactions on this card ) XXXX/XXXX/2015 - billing cycle ends. Balance due {$100.00} due XXXX - returned XXXX of the XXXX items to Macy 's . Rec 'd credit of $ XXXX - XXXX/XXXX/2015 made additional purchases/returns on XXXX - returned the XXXX item purchased on XXXX. Rec 'd credit of XXXX ( all XXXX items from the XXXX purchase of XXXX have now been returned with a credit of {$100.00}, comprised of {$67.00} and {$34.00} ) Balance due on NEW purchases in current billing cycle now {$68.00}. 
XXXX/XXXX/2015 - received next statement with a Late Charge of {$25.00}, because the minimum payment of {$25.00} from the XXXX/XXXX/2015 statement with a total balance of {$100.00} was not paid. 
Argument - I am being charged a late fee on the balance for NEW purchases. After arguing ( nicely ) with the billing department ( XXXX ) and her putting me on hold SEVERAL times and consulting with her 'senior associate ', she came back at least XXXX times to tell me why the late payment was due ( not having made a minimum payment ). I continually explained to her, that the minimum payment due was paid via returns of ALL items and thus the late fee is being calculated for not paying a minimum due on CURRENT purchases. 
After XXXX minutes on the phone, and her last consult with the 'senior associate ', she told me that because my purchase was on XXXX/XXXX/2015 and I had a credit on XXXX/XXXX/2015 greater than the minimum purchase, that she would refund the {$25.00} late fee. 
While that is great, I will now pay my balance and likely close this card permanently, it was not refunded for the right reason. I told her that I was happy it would be refunded and asked why it was charged to start with. She said " we do not know ''. 
I have to imagine this violates Reg Z in some way ( APR would be understated for a fee being charged as well as disclosures ). While that 's the regulatory reason, the reputation risk that Macy 's just endured is a loss of business due to employees not understanding the regulatory impact of the credit cards.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I started a Citigold checking account with Citi at the XX/XX/2016 and they promised XXXX Thank you points. When the points did n't come as promised I sent a message to ask. They replied saying the points will be available by XX/XX/XXXX. When the points still did n't come, I sent another message. They say they will look into this and reply by XXXX. Meanwhile they 've been charging {$30.00} service fee per month!
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I signed up for a Citigold Checking account from Citi bank after receiving an offer for XXXX AAdvantage Miles if I opened a new account, paid XXXX bills with automated billpay, and spent {$1000.00} with the debit card. I opened the account on XXXX XXXX, XXXX. I satisfied all requirements XX/XX/XXXX and received a secure message via the citibank website on XXXX XXXX from XXXX XXXX stating the following : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. Please keep the promotion code on file for reference, and in case they do not post with the XX/XX/XXXX statement, please send us a message with the code so we may research it further. '' My points had not posted by XX/XX/XXXX so I sent them a secure message on XXXX XXXX to ask when my points would post. I first received a message back on XXXX XXXX saying Citi bank would look into the matter. I received another message on XXXX XXXX stating the following : " Unfortunately, you are not eligible for this XXXX miles promotion ( XXXX ). While Citi does offer XXXX miles promotions at times, this offer is available only to targeted Citi card members who received the offer via a direct communication from Citi. Our records show you are not a targeted client. '' This directly contradicts the fact that I received the promotion code. I have screen-shots saved from my account sign-up process to prove it.
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Messerli & Kramer P.A. (WI)

Messerli and Kramer -XXXX, MN XXXX. 

This company sent a FAX to my work office with My name the last 4 digits of my SS #, asking for employment information from my employer. 

This FAX machine is a PUBLIC fax machine with multiple people being able to access this personal and confidential information. With bold lettering stating that it is debt collector and an attempt to collect a debt.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

This complaint is in reference to previous complaint : [ Case number : XXXX ]. 
Citibank has address my dispute in a capricious manner. After submitting a dispute for XXXX charges fraudulently submitted on my credit card, Citibank has only XXXX of my disputes. Although was told that I would be notified my mail I was notified only by web notification and given only 10 days for my reply. XXXX of their documents had no option for describing the circumstances of my dispute.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

I applied for a BUSINESS card for my CORPORATION only to find out that the Citibank ran a credit check on my individual credit. I did not authorize them to do that. When someone applies for a corporate card with its own tax id number then the bank should utilize the information and run credit on that legal entity applying for the credit. The entity has been in business for over 18 years and if the bank does n't want to provide credit to the entity that is fine but they had no right to run credit under my personal information since I was not applying for credit personally. This has a negative effect on my credit score since it reflects as if I personally applied for credit and reduces my personal credit score which has nothing to do with my corporation. That is the reason they call it a BUSINESS CARD and not a regular credit card. This conduct of bank is not justified and should be stopped.
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (WA)

This debt is from a medical bill of my ex husband who died in XX/XX/XXXX. The debt occurred in mid XX/XX/XXXX and the XXXX keep updating the date on the debt even though it does n't belong to me and it has been over XXXX years.
Consumer complaint received 2017-02-15
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (MD)

I called loan Depot.com, XXXX for an check of their rates on a home equity loan. I was transferred to XXXX XXXX XXXX who proceeded to give me a high pressure sales tactic for a 30 year mortgage loan of {$100000.00}, which I did not want. I did not accept this offer, and only told him I would think about it. I had subsequently decided to accept a more conventional HELOC with another lender. Loan Depot.com called my house numerous times, and today a fully filled-out loan application ( minus my signature ) arrived in the mail. I feel this is completely out of bounds and I am very upset about this. A lesser informed consumer might feel obligated to accept this offer, which obligates them for 30 years. I would like the CFPB to issue a warning to loan XXXX and XXXX XXXX stating that this tactic is unethical. I 'm not sure if this is illegal, but if it is please take appropriate action.
Consumer complaint received 2021-04-21
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2016-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: We Collect Inc (OR)

This was a business debt of our XXXX XXXX XXXX owed to ATLAS Financial ; the XXXX was dissolved is XX/XX/XXXX and my business partner took ownership of the debt ; in XX/XX/XXXX discharged the entire amount {$4600.00} in chapter XXXX bankruptcy. 
I was not contacted by collector ATLAS for over four years - even though my phone number never changed. I believed the debt was discharged in bankruptcy therefore did n't know debt still existed. 
In XXXX XXXX I learned through my credit report that {$5500.00} was on public record ; upon calling ATLAS the representative told me their record shows it was satisfied by bankruptcy and they would research why it appeared on my report. 
In the next conversation with a representative I was told I owed over {$7000.00} and it was due immediately. I questioned why and how it could be - since I had heard nothing from them for so many years and my contact info is same. The person replied " we did n't have the manpower to make those calls ''. 
Now that I 've contested the amount owed when it had been discharged ( I was named as co-debtor ) ATLAS has added the interest for the 4+years they never contacted me about the debt. 
If the original amount is due then they could have negotiated how I plan to pay, but within a week or two a garnishment was sent to my employer and the debt shows a total of {$9300.00} and says I have no rights to dispute it. 
It seems some investigation into collection practices, misrepresentations and interest charged while not actively attempting to collect the debt are highly suspect. Adding {$4600.00} interest after ATLAS had totally written me off ( until I called them ) is unreasonable and not acceptable.
Consumer complaint received 2015-06-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

This is what happened. Citi mortgage has had us listed as an FHA loan, and we paid Citi Mortgage FHA insurance on a government fixed loan we thought we had. We ran into some financial difficulty a few years back, and got behind XXXX payments. We asked Citi for help, and they claimed they were going to modify our loan via the FHA Hamp 2 program. However, after alot of run around, submitting redundant paperwork ( even though on their statements say they keep the paperwork on file for 60-90 days ), we were still denied the FHA modification because we did not meet FHA guidelines. We were also not allowed to make our monthly payments while we were in this process either. In the beginning we, were only XXXX payments behind, at the end it was XXXX. They did put us on a payment plan for 3 months, which we made in FULL and on time, yet were still denied a an FHA modification. We ultimately had to file for bankruptcy to save our home, we felt they were trying to purposefully foreclose. We decided to give FHA and HUD a call, and they informed us our FHA number was never active and have not received any funds from Citi Mortgage over the years. We received our loan in XX/XX/XXXX as an FHA loan, and paid in FHA money that is on our statements, FHA claims they never received any funds because our FHA loan status was never activated due to lack of receiving packet from Mortgage company. Also, our old statements say " Government Fixed ''. Citi Mortgage still says our loan is FHA and puts our FHA number on our loan papers today. We started researching the matter and there are XXXX of people around the nation with the exact same issue, and Citi is doing the exact same thing to them. How could Citi be pursuing a FHA loan modification with an inactive FHA number? We still make our house payments today, but also have to pay a trustee {$650.00} a month, for something that we are not at fault for. Not to mention, Citi has never actually told our lawyers exactly what we were behind in payments, so they are guestimate payments at best, and they have added the missed payments onto our loan, where it appears we have taken out a XXXX mortgage! Which we have not. We have been in bankruptcy for over 2.5 years now, and it is been very difficult to say the least to maintain. We have 2.5 more years. When we were behind just XXXX payments, we should have received a FHA Loan Modification, However, due to the negligence and oversight of Citi Mortgage, we have had to deal with much greater financial and physical hardship. We understand Citi Mortgage has engaged in FHA fraud in the past, and would like help in determining if this is what has occurred with our loan. We also hope this helps many others whom are getting the run around and/or possible fraud from Citi to be helped with this as well. It has created many problems for our family.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

In early XXXX I cancelled my automatic payment for XXXX. Citifinancial does not dispute this.However, they neglected to cancel the payment, causing me a XXXX charge. To compound the issue, they redeposited the payment despite me calling them at the end of XXXX to complain about their ineptness and causing me a great deal of stress and embarrassment.Now it has caused me XXXX which they refuse to reimburse unless I fax a bank statement showing these charges. I have no available fax machine nor should I be forced to pay additional money for their stupidity.I told them to call my credit union to verify a returned check fee. They refused.I 've had to deal with a great deal of XXXX, XXXX and embarressment because these people ca n't do their jobs correctly.Fortunately, all my checks cleared before this ET got to my account or it would have been a tremendous mess, which again, caused me great stress.
Consumer complaint received 2015-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (KS)

I am trying to get a lien release from CitiFinancial Corp. the lien was applied to my Property in Kansas with a loan for siding in XXXX. The loan was Paid in full in XXXX. The Lien is keeping us from the home improvements we need to make to our home. I began requesting the release of the lien on XXXX XXXX XXXX, XXXX through the Loan Company then by myself since XXXX XXXX XXXX.
Consumer complaint received 2016-02-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

The bank was requesting a net value of XXXX we had an offer for XXXX ( eventually they went up to XXXX ) The bank did another appraisal and did a net of XXXX which would probably be a XXXX sales price to cover all expenses. They refused the XXXX but today the house went foreclosure and sold for XXXX which makes no sense. I had difficulty with this bank before and they do not work the client and I just want to make you aware of this. They also changed the locks on the property while my client was still there and did n't even advise him.
Consumer complaint received 2016-04-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

A time share scam took place and I was taken for a lot of money, I spoke with CITI and if you look up the charges and all the articles related to the charges which is easy to do using XXXX one can see these are fraud. I have been dealing with this situation for many years, my wife recently passed away and now I need to make financial moves and due to this I am unable to. Please help
Consumer complaint received 2017-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (WA)

The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.
Consumer complaint received 2016-04-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Direct Capital (WI)

I took out a payday loan that was eventually included in my bankruptcy back in 2011. Since then, every 6 months I get a batch of phone calls from a new company who purchased this bad debt and sold it to another that does the same and so on. This latest company, Direct Capital/XXXX, has had it for some time and is relentless in their phone calls. Even worse, they are calling my parents who tell them I do n't live there but it does n't deter them from calling. I have actually spoke with various representatives and explained my situation, gave case numbers, etc. and many have 'found ' my bankruptcy and assured the calls would stop within days. They do n't. I contacted my bankruptcy lawyer who says to use the words 'harassment ' when dealing with them, as this is what it is at this point, but yet the calls continue. My parents are looking to me for a solution, for which I have none. Worse yet, the number they leave, XXXX says they are unable to answer at this time ... and never are.
Consumer complaint received 2016-03-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: M&T BANK CORPORATION (NY)

I purchased a Ford XXXX Ranger in XXXX XXXX, for {$19000.00}, excluding sales tax. It was financed through M & T bank for 72 months, at 5.54 %. The payout is approximately {$22000.00}. Owing to medical issues ( XXXX XXXX XXXX XXXX ), I now have some difficulty driving a pickup, and my wife of 30 years passed XX/XX/XXXX. I subsequently returned the vehicle to the original dealer for resale ; however, the best offer they can garner is {$15000.00}, leaving about a {$7000.00} difference. I can make up some of this difference, but not the whole amount.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (PA)

In XXXX of 2016 my vehicle was total lost in a not a fault accident. Shortly thereafter my primary insurance carrier settled the claim. I made the last up to date payment on or about XX/XX/2016. On XX/XX/2016 I made a new car purchase from the same dealership that I have been dealing with for the past 7 years starting at a zero balance. I had additional Gap insurance to cover residual debt in the event of a total lost situation. to my surprise I discovered that the unregulated out of state insurance company out of Florida breached the standing contract with me! this caused the lender to charge off the debt to my credit report which I disputed, and I provided all the necessary documentation to this affect. The lender write off the debt, but reported that I was suppose to continue to make the monthly payment to them on the loan. All XXXX bureaus were contact both before the charge off, and after the charge off in writing in a escalated dispute. however XXXX XXXX has refused to adhere by removing inaccurate information regarding my dispute with them.