davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Citibank IRU team 's Negligence on my appeal for a XXXX XXXX Fraud-Denied claim The incident happened on XX/XX/XXXX. I received the first denial response from the investigator called XXXX on XXXX XXXX. With the help of a XXXX translator, I have requested to start an appeal on XXXX XXXX. However, when I called back on XX/XX/XXXX, IRU team said it was a closed case, XXXX didn't start the appeal and no investigator was working on my case!!! So I requested again to start an appeal on XX/XX/XXXX, and wait for a response within XXXX days. Afterwards, I called in to request an update on XX/XX/XXXX. IRU team ( XXXX XXXX ) can't give me the name of my new investigator. I called again on XX/XX/XXXX. IRU team ( XXXX XXXX told me that XXXX XXXX had just reopened my case on XX/XX/XXXX and still waiting for a new investigator to review my claim for 30 to 60 days!! It is so obvious that they have done nothing for my appeal between XX/XX/XXXX till now!! They ignored my appeal request and no investigator cares about reviewing my case ( {$89000.00} ) It showed me how horrible the way Citibank is lying and ignoring my request of appeal!!! They don't provide me with reasonable care and protection when I reported to them promptly for the fraud!! They have ignored my appeal request for 3 times up to now on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX. Until today, there is no XXXX NO PROGRESS in reviewing my claim!!!! Citibank doesn't provide customer protection and reasonable care when we need them!!! 
Please make a move, change and help me!! Help me to stop the fraud and refund my MONEY ASAP!!!
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXXk XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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 a account without my written instructions.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (IN)

Considering the way I've been treated, I wish no further communication with American Express, XXXX XXXX XXXX, or the State of Utah. 

It looks like the Consumer Financial Protection Bureau was " ethical '' enough to identify me for you themselves. 

Close the American Express savings account ending in XXXX immediately or I'll refer this to the SEC or any other regulatory body handling banking -- alternately I may file suit. ( cost to taxpayers, my time, etc )
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (UT)

This fraudulent account has been previously removed multiple times as XXXX has never provided any documentation, and when I call then they say they have no accounts in my name. Furthermore their collection agency, I C SYSTEM INC, has never provided any documentation. Both have been informed by phone and in writing that this account was fraudulently opened by my ex-wife, XXXX XXXX, and refuse to take any corrective action.
Consumer complaint received 2018-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

The original disbursement of my signature private student loan with XXXX XXXX, now Navient was {$5000.00} disbursed XX/XX/XXXX and since then I have made payments starting XX/XX/XXXX and to this date still owe {$8700.00}. 

I asked to consolidate this loan with my other federal student loans and was told I could not. The interest rate is 11 % and I just can not understand how my total repayment almost doubles in amount from what I originally borrowed - especially since the purpose is for higher education? I feel mislead and not told the full truth in lending or at least in a way that I could understand the future consequences when I borrowed in XX/XX/XXXX. 

As a consumer I feel that Navient is predatory and took advantage of students who needed extra financial help, which I used for supplies/fees/computers/living expenses, only to be in debt by twice as much and for 20 years just to pay off {$5000.00}. It just seems unfair.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

Syncrony Bank decided to close 3 of my paid off accounts Walmart, Qvc and Value city all of them Ive never been late except For value city 4 years ago while I was on maternity leave. I didnt plan on using them but if I did now I cant. They closed it because my score dropped due to me co-signing on a car for that has a late payment but has been current up u til now.. Well then closing my accounts definitely isnt going to help. I just find it ironic and not fair. They arent helping my situation mind u I have an old navy account with a small balance that they didnt close. I bet if I had balances on the others they wouldnt have closed them.
Consumer complaint received 2018-11-17
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: Lending Club Corp (NC)

Lending club has reported 5 late payments on my account that are incorrect. I went through a divorce in XX/XX/XXXX and lost access to all of my bank accounts. During this time I was in contact with lending club and established a payment plan to get on track. I did not miss the payments they have reported on my credit report which they allege is from XXXX XXXX XX/XX/XXXX. This is not the first time this has happened, I had a similiar issue with them when I switched a payment date and they dinged my credit for the payment being late in XXXX XXXX. It took me months of calling and sending them letters for them to finally remove the late report error.
Consumer complaint received 2019-08-23
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. (VA)

Equifax refuses to honor my rights under the Fair Credit Reporting Act. Equifax has failed to provide a written update within 45 days as required. There are XXXX accounts appearing on my credit report that should not be there. Specifically, there are XXXX XXXX XXXX XXXX and XXXX XXXX account. These accounts are not mine. The details reported around balance and payment history do not belong to me. Despite reaching out the credit reporting reporting agency more than 16 times, they have not taken the required action or complied with regulatory requirements.
Consumer complaint received 2018-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation (FL)

This is the 2nd time I had to file a complaint with the same Amscot store. The first time thy tried to deny me the loan and corporate got involved and made them give me the loan.This time they are refusing to enter in my payday and keep entering in the day THEY want me to pay. I told them 2 times that my payday is on the XXXX and the first time she said okay and hung up the phone then they began leaving messages and I found out that she never entered it into the system to begin with. I am trying to pay it off as I have always done ON time but they always try to switch up the actual day of my payday. I am tired of trying to make them do the right thing. Please make management have them enter in the correct day which is the XXXX.They knew this when they gave it to me and eep trying to deny me services once again. this is clearly not right.
Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

I have been charged {$68.00} in fees, my accounts current balance is {$67.00} making this balance all fees. Because I have {$50.00} that was deposited to my account and reflected in my balance as part of the available funds. I have been charged two fees for a purchase of XXXX and another of XXXX. I made these purchases because my banking reflected the fund available. I am told now that the funds hadnt technically posted so they charged the fees. If not posted it should not reflect as available causing me to go over my balance and accrue fees I have worked so hard to avoid. I am asking that both fees be refunded.
Consumer complaint received 2021-03-29
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. (CA)

On XX/XX/XXXX I called Equifax Credit Bureau regarding an item on my credit report being removed. The customer service rep told me that the account in question, a XXXX XXXX loan from the year XXXX, was closed and would fall off my credit report XX/XX/XXXX. I called again on XX/XX/XXXX as the item was still on my credit, I was told the XXXX account was still open and would not fall off, this despite the fact I was on the Equifax website and could see the account listed as closed. I asked to speak to a supervisor, I was on hold for 32 minutes and then I was disconnected. I called back on XX/XX/XXXX, spent 50 minutes re-explaining the situation and having the rep re-investigate my concern. He confirmed the account was closed but couldnt explain why it wasnt removed. I asked to speak to a supervisor, one wasnt available and he told me a supervisor would call me back within 15 minutes, they never called. I called again on XX/XX/XXXX spent 45 minutes explaining again, rep confirmed the same information as the last one. He asked if I wanted him to file a dispute with XXXX I had already told him that Ive been disputing this for the past seven years with no luck it was as if this rep had not really been listening to my concern. I told him that per the Fair Credit Act if a creditor lists an account as closed, it shows on the credit reporting bureaus as closed and it has been on the account for seven years it should be removed BY THE CREDIT REPORTING bureau. I also informed him the other two bureaus have already removed the item from my credit without me having to call and waste endless hours on the phone with them, I asked to speak to a supervisor and was disconnected.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

On Monday, XX/XX/2021, I received incessant phone calls and multiple voice messages from " XXXX '' asking if I wanted to " dispute the charge. '' Below are listed the dates and times ( PST ) of voice messages received from " XXXX. '' The message was always cut off, and I only heard the following from an automated-type of voice : " ... to dispute the charge, press one to connect with our XXXX customer care representative XXXX Thank you. '' XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XX/XX/XXXX : XXXX am, from XXXX, CA, phone number ( XXXX ) XXXX XXXX I usually ignore these calls, but when I received the same voice message on the XXXX, I had enough. I searched for XXXX Customer Care number online and spoke to XXXX who informed me the messages were definitely not coming from XXXX and that I didn't owe any money. He strongly advised I file a report to the Federal Trade Commission and follow the guidelines for fraudulent activity in XXXX 's Help page. While I haven't yet, I plan to file a report to the Federal Trade Commission next. 

Thank you! 
XXXX XXXX XXXX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I had a payment set up with my PayPal Mastercard and it did not go through properly on their end. When I saw this the day after it was due, I immediately put another payment through which was successful. I called, chatted and emailed PayPal Matercard ( Synchrony ) and asked that the {$38.00} late fee be reversed and went on to be told no. I dont this this is fair as it was set up, then paid within 24 hours after the mistake was found
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

I applied to open a Citibank Priority Checking and a Saving account on XX/XX/2021. I was approved online and I funded them with my other bank accounts. My funding account was deducted {$50000.00} the very next day. On XX/XX/2021, I received two letters Citibank mailed on the XXXX, saying they rejected my accounts application and would close all my accounts in 60 days, plus they will reject all my future applications as well. I called the Citibank New Checking Department and they don't know any detail of what lead to this situation and they won't do anything about it. 
Today is XX/XX/2021, I still haven't received the refund check and instead, I received two monthly statements from Citibank showing my account balance. 
For more than 80 days, I have no access to my fund, nor to my bank account information. All the communication attempts made by me have been declined by the Citibank New Checking Department. It's a nightmare, and I still couldn't see an end to this. Please help!
Consumer complaint received 2018-03-09
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: Vital Solutions, Inc. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. XXXX, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from XXXX   and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( Vital Recovery Services , LLC ) at my place of employment.
Consumer complaint received 2021-03-29
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. (MA)

Equifax and equifax keep reporting 2 late payments on my account i had dispute them 3 times with no result I contacted the creditor and they say I never had any late payment. 

The account is closed with the creditor At the moment but i want equifax to remove the late payments The company is XXXX /XXXX XXXX XXXX. 
2 late payments. 

Really appreciate the help.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CO)

I have informed XXXX XXXX and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is XXXX XXXX Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

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 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Since the Equifax breech, I have had lots of problem with them. Last summer they had 5 mixed files with mine. By the first of the year they had the report fixed until last month when again I was not able to get a copy and creditors have claimed that they can not get a copy either. I have spent endless hours ( over 60 ) on the phone with Equifax to no avail. They keep asking for my identification and social security card. I have sent it to them by fax, upload and US Mail several times. I just sent it to them this week twice. 

They also keep charging me {$14.00} per month for a monitoring service and I can not use it because I can not access my report. I have been issued 11 reference numbers this year alone for fixing the report and it is still not fixed or accessible to verify this. 

REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Enclosed is supporting information, id, letters, social card, etc. 

Also when getting my 3-in one report from other providers, either the Equifax report is blank or won't work. 

I also can not dispute anything online because I can not get the report nor can I update anything like locking or unlocking the report again because I can not access the report online.
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (MD)

I was contacted by The Offices of CREDIT MANAGEMENT, many times on the following dates : XX/XX/18, XX/XX/18 ( contacted twice ), XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, they called me after XXXX XXXX. I called them back and spoke with a rep. He asked me to give my address and the last four digits of my SSN. I asked him what he needed this info. for? He said it was to make sure that he was speaking to the correct person. I asked him what this call was about? He just told me that the call was about personal matters and that he was from The Offices of CREDIT MANAGEMENT. I asked to speak to his supervisor. However, she wouldn't tell me anything other than the name of the company. I asked both the previous rep. and his supervisor what do they normally call people about, i.e. was this call for debt collection? Again, they would only tell me that this call was about personal matters, I would have to give my personal information, and that they were The Offices of CREDIT MANAGEMENT. I don't understand how you allow companies like this to even exist. The number I called them on was ( XXXX ) XXXX. When they called me on the other days, it was from similar numbers " ( XXXX ) XXXX XXXX '' I asked them to put me on the Do Not Call List. I didn't get any more calls from them. However, I started getting calls from numbers " ( XXXX ) XXXX XXXX '' Specifically, ( XXXX ) XXXX on XX/XX/18 from a company now called XXXX XXXX XXXX . They were asking about someone else. So, this could be a case of the wrong number.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Phone numbers do not belong on my credit report XXXX XXXX XXXX This Name do not belong on my credit report XXXX XXXX
Consumer complaint received 2018-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

I purchased a boat almost a year ago. My due date is on the XXXX, and I have made my payments every month - no exception. My last payment was made on the XX/XX/XXXX and should have satisfied the XX/XX/XXXX payment. Unfortunately, and unbeknownst to me, the billing cycle closed on that day and it was counted in the previous cycle and therefore did not satisfy the XX/XX/XXXX payment. When an associate called to advise that my payment was " late, I was taken by surprise. We had this situation in XX/XX/XXXX of last year because I made a payment on the XXXX. They advised to make payments after the XXXX. They stated that the closing date varies, but that I would be fine if I made the payment after the XXXX. This is what I have done!!! Now we have talked to three associates and they are refusing to correct the posting to the following day so that it will satisfy the XX/XX/XXXX payment. They have given no explanation as to why they wouldnt do it just that they have done it once and ABSOLUTELY will not do it again. Moving the posting date of that payment doesnt negatively impact anyone except for me Synchrony collects interest on the balance of the loan for one extra day at a higher balance. This unwillingness to repost this payment is unfair and deceptive. They know that the payment I made was intended to satisfy the XX/XX/XXXX payment, as they received the XX/XX/XXXX payment on XX/XX/XXXX.

When I asked to speak with a manager, they advised that it would take 3-5 business days to speak with a manager! I MAKE A PAYMENT EVERY MONTH - they should not be attempting to collect the XX/XX/XXXX payment when the payment they received onXX/XX/XXXX was to satisfy the XX/XX/XXXXpayment. They did not correctly inform me of the closing date, and this is their error and miscommunication. Their error could result in negative credit reporting ... this is not fair!! I have made a payment every month!