davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc. (MO)

On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I paid would they delete this account from my credit report and they said they would, after payment was processed they did not follow-up on their agreement with deleting this account. As well they are still reporting this account as 120 days late w/over 10 late payments. They are not the original creditor, and bought the accounts from XXXX XXXX, XXXX. With amounts of {$110.00}, and {$240.00}. These accounts were paid by me in full amount to XXXX XXXX XXXX XXXX, XXXX My other process after trying to rectify this with the creditor, they still didn't comply and I put in a XXXX complaint. During that complaint the creditor tried to again deny any agreement made with them at the original time of payment.
Consumer complaint received 2020-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

I was contacted by XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX XXXX  XXXX XXXX which bank account is at CITIBANK, New York. ( invoice attached ) 2 transfers were executed for a total amount of {$25000.00} to this account : USD {$18000.00} sent XXXX XXXX, XXXX ( receipt attached ) USD {$7100.00} sent XXXX XXXX, XXXX ( receipt attached ) When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to CITIBANK. No reply was received. ( Letter attached )
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to Equifax, and XXXX several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including Navient to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show. 

Please remove these late payments off my credit report from navient. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I am attaching proof of this as well. Thanks again
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

DSNB/Macys is reporting a late payment to my Credit Bureau report which is incorrect as I had paid off all my balance in full for that month after speaking with the Customer Service before travelling. After I returned back to the US, I saw a charge of few cents and a late payment applied to it. I had called customer service right then and it was resolved as they refunded the charge along with late payment considering inaccurate and no action was needed from my end. However, it was reported to the Credit Bureaus as a late payment after a month and I see a remark on my credit bureau reflecting XXXX payment which affects my credit score and payment history negatively. 
I have 100 % payment history and a very responsible borrower but this is affecting my credit negatively and should be removed/deleted. I tried calling Macy 's customer service and they do not seem to have any information about this and see my account in good standing. 
My account is open since XX/XX/XXXX and the late payment that is affecting my score is from XX/XX/XXXX.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IN)

I received 1 cash advance of XXXX on XX/XX/2020 from XXXX XXXX XXXX  XXXX IN from Citicard Diamond. When I received my statement it was on there as 2 XXXX transactions. I opened dispute with Citicard who contacted XXXX XXXX who responded to the duplicate charge as it not being a duplicate they pulled their records at the bank and only 1 transaction was made and only 1 advance of XXXX was given Citicard closed the case out because they say two transactions were done and put the responsibility on XXXX XXXX to resolve saying they must repay me. XXXX XXXX contacted me and has now said I need to reopen dispute with Citicard and let them know that XXXX XXXX has determined this not to be duplicate and file dispute as an unauthorized charge since I never received but XXXX XXXX cash advance i am being charged interest for 2 cash advances which I want a credit to my account both of these companies just keep passing the buck to one another and I the consumer is having to pay for an additional XXXX advance I never received
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MECHANICS BANK (CA)

Spoke with XXXX XXXX XX/XX/2020 and Disputed with XXXX, XXXX, and XXXX in XX/XX/2020 reference to them reporting Account Status : Charge Off on my report and All Three Credit Agency reports different information. Also the amount of the car payment is incorrect {$560.00} and XXXX XXXX also reporting I still owe {$350.00}. ALL Credit Agency said Verified Information Is Accurate. I paid the car loan in full and the account was never sent to collection or written off. I have the car title and recorded conversations with employees and a letter from XXXX stating the car was paid in full and my title would be mailed in which I did receive.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

My Chase credit card were suddenly all closed. I called the customer service to reinstate them, I was told that closed account could not be reopened and that I had to apply for new cards. After a while I applied for Chase credit card and my application was denied to to previous unsatisfactory relationship with Chase. At first I argued that I never had any missed or late payments with Chase, but then I was told that there were two accounts from 2004 that were opened in my name and were both charged off. The CS provided me with the Chase Recovery Services phone number. After speaking to an agent I received a letter from Chase that said that the account was opened fraudulently in my name and therefore they removed it from my Chase profile. After a year I applied again and received another letter that application was denied due to unsatisfactory relationship with Chase again. I called this time and was provided with the same number. I called and requested that all these fraudulent account were removed from my Chase profile. I was later told that an investigator was assigned to my case and was given his number with extention. 
I call the number and leave messages but no answer or call back. I am really worried because if I had previous relationship and that was unsatisfactory why I was approved for Chase cards and later my cards were closed. This means that this information was not there. Unfortunately it does not show in my credit report to dispute it, but exists internally with Chase under my profile.
Consumer complaint received 2020-07-06
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)

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX   XXXX {$48.00} XXXX XXXX {$960.00} XXXX   XXXX {$1400.00} XXXX XXXX {$2300.00}
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

On or about XXXX XXXX, XXXX, I learned that Hyundai Motor Finance erroneously reported to XXXX and XXXX credit reporting agencies that my car loan was at least 30 days delinquent in XXXX XXXX. I called Hyundai Motor Financing to inquire about the claims. The customer service representative did not show that my account had ever been 30 days delinquent since the inception of the loan. The representative further suggested that I dispute the reported information in my affected credit report files. Shortly thereafter, I disputed the claims with both credit agencies. Around 30 days later, I learned that the reports were not changed, but simply updated. My car loan payments are due on the XXXX of every month. I plan to upload my payment history from Hyundai Motor Finance that proves that my XXXX XXXX payment was not 30 days late. In fact, the XXXX XXXX payment was made on XXXX XXXX, XXXX, according to the financing company website.
Consumer complaint received 2020-02-19
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 (CA)

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (FL)

I am upset to have to complain about accounts I did not consent to and have been a victim with identity theft and fraudulent activities. I cant understand why I am being held accountable for accounts that weren't done by me! I have made countless attempts to remove these accounts and still they remain which is very wrong!
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NJ)

This is XXXX XXXX XXXX Credit card account holder # XXXX company name is XXXX XXXX Ring XXXX XXXX. 
I closed that account back in XX/XX/2018 .payment was mad by transferred the balance to another account. Right before the transaction done it was due date, then I paid {$100.00} to avoid late fee until the transferred done. 
I contacted that company more than six times requesting refund for my extra payment of {$100.00}. But never issued by the company. I called today again XX/XX/2018 i was unable to be lucky enough to resolve the refund but instate i was talking to a representative her name was XXXX XXXX she was fully disrespecting me or mu spouse over the phone. two times talking to their supervisors but no progross to get our refund of {$100.00} please help us my Phone number is XXXX
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$120.00}
Consumer complaint received 2020-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (IN)

Axos bank refuses to send me documentation from the merchant for a disputed transaction. This has been going on over 2 months I have submitted a complaint prior with the same excuse I have contacted the merchant who has told me they processed the refund. Axos bank ither is lying to me and or/ will not dispute the transaction under regulation E then closed my account access so I am unable to verify weather merchant processed credit.
Consumer complaint received 2018-09-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (WI)

This all started in XXXX we ended up filing for bankruptcy due to my loosing my good job. and has never finished ... We did a modification back then and owed XXXX and ended up with a new amount of XXXX and a payment of XXXX. This began to be a problem due to me loosing my good job in XXXX of that year. 

We ended up struggling to keep paying and in XXXX we filed for Chapter XXXX bankruptcy and tried to work something out, we were lied to by the bankruptcy attorney as well as Citi Mortgage they said after we made the Trial payments of XXXX. And that we Qualified for the making homes affordable loan forgiveness program.We did make the trial payments and then Nothing never received final papers.And then the program ended before we received any final papers. At this point we are living paycheck to paycheck. 

Then in XXXX of XXXX XXXX my husband began missing alot of work due to XXXX Problems and this caused a shortage on funds to pay the mortgage as well as all our bills. I did contact Citi Mortgage several times and each time was put on hold then the calls would be lost.. In XXXX of XXXX XXXX had XXXX  XXXX and had to take off work and Citi Mortgage was again notified of the situation. 

Then in XXXX I was diagnosed with XXXX XXXX and as a result I have missed alot of work and again, I notified Citi of this situation and asked for help. I am still dealing with the after effects of the XXXX. We then hired XXXX law to help us and they said they are looking into respa stuff and that Citi should not contact me and they have on many occasions and I asked them to get certain documents from Citi as per my rights and still have not received. I wanted a copy of all statements and payments, I have made since they acquired my loan and I have not seen anything in this regard. As well as no detailed breakdown of how or where they are coming up with these amounts. I also asked to find out about what Insurance is on my account and No answer on that either. 

All we are looking to accomplish is a fair shake. We Never expected to not Pay our Mortgage and have all the difficulties. We just need some help and for them to work with us and maybe Write off some of that Debt and give us a payment of around XXXX or less per month. Less would be better of course but, just want a fair chance to get back on track..As they promised back in XXXX. 

XXXX and XXXX Bless
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MONEY SOURCE, INC., THE (NV)

My last complaint I see was closed but it was not fixed. I responded but I see that my complaint is listed as closed. I simply wanted my mortgage company to report my mortgage and perfect payment history to all 3 bureaus. I complained to the CFPB after The Money Source failed to respond to me after many attempts. The Money Source responded that I was correct and they would report. They reported wrong. 
1 ) They only reported to one bureau. Is this how they treat other customers? Why are they treating me different? 
2 ) They only reported 4 months, their response said they would report from XXXX. 
3 ) They reported that my mortgage is completely paid off and that my account with them is closed. I have an open account with them {$190000.00} mortgage.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX, my father, XXXX XXXX passed away. Dad lived in Florida and was a XXXX. He was XXXX years old when he died. 

I was appointed personal representative for the estate ( executor ) and have the responsibility to review all assets, debts, etc. I found that Dad ( and my mother who passed away in XXXX ) were victims of Wells Fargo unethical actions of having opened close to 10 different checking and savings accounts. I have taken steps to close nearly all of them, but Wells Fargo is refusing to close one account with nearly {$5000.00} in it. And even, worse, the bank is draining the account with the imposition of fees. 

I have visited the branch in CT many times and each time I am treated respectfully but told that due to certain policies they can't close the account. They told me the policies which involved me becoming an authorized signer for the business account but when I did what I was requested to do, the bank came up with more policies. I was told that due to the bank 's past unlawfulness, they are under intense federal scrutiny. 

I asked for a detailed list of what was needed and was told the bank couldn't put it in writing. I was told a person would call me and this person never called. I was told that the bank would rather have the money escheated to the state rather than close the account. 

I have presented the death certificates of both parents. I have presented my legal authorization as appointment as personal representative. I have presented the authorization to allow me to close the account -- -- which shouldn't be necessary anyway. 

The bank is wrongfully withholding funds due the XXXX of XXXX XXXX and my complaint is that the account needs to be closed and the money returned to the estate so we can finish the probate process. And ... all fees need to be reimbursed. 

My last request to the bank was on XXXX XXXX and this was a follow up to a XX/XX/XXXX request, which was a followup to many other visits.
Consumer complaint received 2017-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (AL)

It was a XXXX dollar loan, I thought they were just going to take that plus the interest rate when I got paid. But on my payday they only took XXXX and it was going on for about 4 or 5 paychecks before I switched bank.
Consumer complaint received 2020-05-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF THE WEST (CA)

Covid 19 CARES Act clearly states mortgage servicers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested mortgage payment relief for 180 days. On XXXX BOTW confirmed their offer of 90 day forbearance mortgage payment relief with balloon payment due at the end of the 90 day period. On XX/XX/2020 requested 180 days minimum with 1 year payment relief without penalty, interest accruement or balloon payment.
Consumer complaint received 2018-09-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

After disputing certain accounts/items on my Equifax credit report I received an email when the dispute results were ready stating that I can view the results online with a confirmation number & a link to go to. However, every time I log in to check the dispute results I get this message " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' After receiving this message I have called multiple times to find out what information doesn't match their records and they never know what the problem is and all my information matches what they have in the system. They then just try to read me the disputes without any proof or written notification. They do not allow results that are online be mailed to my address either. So not only can I not view my results online and save for my own personal record, I also can not request a hard copy be mailed to me address. A few times an Equifax customer service rep has even suggested to " just try again later '', which is completely unacceptable and unprofessional.