davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A. (CA)

XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted XXXX and CITI bank who confirmed that first date of default on these accounts were XX/XX/XXXX ... XXXX sold this charged off account to XXXX and Citi bank sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..
Consumer complaint received 2017-04-07
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (WA)

I purchased 2 {$200.00} Mastercard gift cards from XXXX on XX/XX/2016. When I attempted to use the cards a few weeks later, I found one had {$45.00} left and the other {$35.00}. So on one card there is a fraudulent charge of {$150.00} and on the other, {$160.00}. 

I called US Bank 's fraud hotline in XX/XX/2016 and they sent me new cards with the current balances on it and told me I would get the fraudulent amount credited back with in 4 weeks. Since then, I still have not gotten the fraudulent amounts refunded back to me and US Bank refuses to help.
Consumer complaint received 2017-04-06
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

I never applied for this loan and they are insisting I pay it. They are threatening me with jail time. I once applied for payday loans 4 years ago and settled and paid all that I received. This ACE cash services is insisting I pay for something I do n't owe. They are threatening me with a lawsuit. I know nothing about this. They have all my personal information and I believe this is fraud. I have an email that they sent me. How do I get this email to you? 

Please help. 

XXXX XXXX
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I requested verification of the following account that Equifax continues to report on my credit file : US Bankruptcy-XXXX # XXXX. Equifax listed XXXX, XXXX, GA XXXX as the source of their verification on XXXX. On XXXX I directly called XXXX at XXXX, the number that is listed on my report. I spoke with XXXX and she informed me that as of XXXX a security freeze was placed on my account. I have attached a copy of my security freeze confirmation letter that I received from XXXX showing the date of the confirmation. XXXX confirmed that the freeze was set into place as of XXXX. XXXX stated there is NO inquiry from Equifax showing on my XXXX or mode of verification from XXXX to Equifax showing on my XXXX credit file. XXXX also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XXXX. I demand that this public record US Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date. XXXX agents assured me that Equifax 's so-called verification on XXXX WAS NOT REPORTED BY THEM BECAUSE XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All that has been sent is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : US Bankruptcy-XXXX # XXXX is permanently deleted from my credit file because XXXX DID NOT disclose information on accounts with a security freeze placed on them. Please help!
Consumer complaint received 2017-01-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MNE Services, Inc (IL)

I took out a payday loan on line from USA and paid it back through my checking account via direct debit. I started to get threatening phone calls and eventually a XXXX XXXX called stating he was an attorney calling to inform me that my case was being filed in court unless I settle for {$550.00} on XXXX XXXX XXXX. He had me to purchase a XXXX card and fax a copy of my ID along with a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. The XXXX cards I purchased was XXXX with and exp date XXXX and XXXX on the back and a XXXX exp XXXX and XXXX on the back. Now XXXX called my home phone stating that my case with a ref # XXXX will be filed in court unless I settle for {$300.00} or set up payments over 6 months for {$74.00} to settle the debt out of court. He stated he was calling from arbertration and he transferred me to the payment dept to set up the payment. He caught me off guard and I gave him my debit card number and {$50.00} to come out XXXX/XXXX/XXXX. Afterward I realized it was a scam and went to my bank and cancelled the card on XXXX/XXXX/XXXX. I do not owe any payday loans.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have recently been informed that there is negative information reported by Experian, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Experian did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (VA)

This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. 
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.
Consumer complaint received 2017-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

My student loans are being paid through Navient. I have been paying on my student loans since XX/XX/2006. My initial loan balance was about {$5000.00} or a little more. Currently my loan balance is {$3900.00} some of my loans are subidized and some are unsubsidized. I am being charged SO much for interest and this is giving me no relief in paying my loans off. I do n't think that I 'm being billed fairly. Navient has had a lot of issues an I feel that my loan needs to be looked into.
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

XXXX NJ XXXX XXXX Corporate Office : To whom it may concern, Grievance : Home depot customer service representatives failed to provide information for the hardship program when I was unable to make payments. 

I was unemployment, divorced and subsequently developed a XXXX. During this time I responded to several phone calls from customer service representatives when payments were late or no payment was able to be made. I provided the representative with the reason for the inability to may monthly payments. No discussion other than when can you make a payment was the prevailing factor and concern. No incite or offer to apply for hardship was suggested, As a result my account accrued have many late charges and an extreme increase in interest rates, subsequently the balance is still close to the starting amount of {$7000.00} from this cards inception. 

I called customer service on XX/XX/2016 to obtain more detailed explanation for the unchanged balance. I explained that I could not see history outside of a few months on the website and I asked for the history of payment and interest charges increase dates and amounts. The associates XXXX stated that she could not provide that information and that she could send me old statements from 2 years back. When I asked to speak with a manager who could assist me I was transferred to representative XXXX who rebuttable and told me that he would transfer me to counseling and he abruptly hung up on. I called back again and got corporate on the phone and was finally provided with an address to submit this grievance. 

As I queried for resolution of this problem, I was transferred to the associate XXXX who told me that high balance is interest charges stemming from unpaid Timely promotional balances. In addition Home Depot has increased monthly payments roughly to about {$420.00} a month this payment is only applied to these interest charges. Interest is roughly about $ XXXX monthly with an interest rate increased to over 25 %. The interest rate is not on my statement I had to ask what the interest rate has increased to. This card has been frequently accruing late charges because of remaining inability to pay the high payment. 

I am requesting that Home Depot apply all interest payments made on this account to the principal amount left on the Credit card. Then return the interest rate to the original rate in addition, I am request that all the late charges be returned and applied to the principal balance amount. 

Sincerely XXXX Account # XXXX
Consumer complaint received 2021-11-26
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2017-04-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CATHAY BANK (CA)

I opened a Cathay Bank employee account when I joined the bank in XXXX, but did n't close out the account when I left the bank in XXXX. I have recurring loan payments drawn from this account every month. Recently I found that the there was a charge of monthly management fee of {$15.00}, an ACH debit was returned and an NSF fee of {$25.00} was charged also. All of these showed up in my account without any notification from the bank up to this point by mail or email, and the bank policy explicitly states that employee account would n't yield any maintenance fee. I did n't receive follow-up instructions of how the account will be handled after my departure from the bank either, and I was never charged of such kind of fee before. I realized the issues and called up the bank, but branch manager insisted that the bank will charge a account maintenance fee because it 's a " valueplus ' account, and they 've been sending me statements, which was not true. I asked the manager for a refund of fees for above reasons and also since I never received such notifications of fund return and NSF fee, but the manager would n't admit it.
Consumer complaint received 2015-12-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAB Receivables, Inc. (KY)

I had a collection show up on my credit report from CAB collection company. I never received any type of dunning letter or given my right to dispute the debt. I immediately disputed the collection with equifax and CAB verified it. I filed a complaint with the XXXX and told them my concern and asked for there help. CAB just kept saying that they had know knowledge of the debt and they couldnt find any record of it. I gave them the account number that is on my report, the original debtor and the amount of the debt. They kep saying they had no record and couldnt help me. How can they report a collection on my report and not have any record of it. If they cant show validity of the debt or cant find there records then they have to remove it. I attached a copy of the XXXX complaint so you can see where they admitted that they have no record of it
Consumer complaint received 2017-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (TX)

I was contacted by Discover student loans in XX/XX/XXXX and was told that my in school deferment had expired and that I needed to reapply and that it would take approximately 4 weeks approve and to call back. I contacted Discover again in XX/XX/XXXX and was told I received misinformation but that I may have additional deferment time and that they needed to look into things further. During this time I was speaking to Discover daily and receiving different information every time I spoke to them. I informed Discover that I could not make payments for the full amount of XXXX dollars because I am in school completing my XXXX degree and my family was preparing for a move across the country because of my husbands military status. Finally in XX/XX/XXXX an account manager informed me that if I made payments of XXXX on XXXX of the month that I can have a rolling delinquency and my account would not go into collections status. Discover contacted me this week and told me that my loan was 92 days past due and that they had reported my account to both my and my co-signers credit reports. When I spoke to an account representative he informed me that he saw where the account manager had given me the information in XX/XX/XXXX and that he could see that I had been making the payments on the XXXX of the month since but that the information I was given by the account manager was not true. He also informed me that had my account not been placed in collections status that my co-signer could have been removed from my loan but that " they do n't like to tell people that '' and now it was to late to do. He also told me that because they purchased the loan from XXXX that they can not do anything for me and that their hands are tied.That they are not honoring the terms that they honor for their own loans but instead are sticking with the originally terms.I have received misinformation from Discover at every turn and honored the agreement that I was told would keep my account from reaching default status in XX/XX/XXXX but I am continuously being lied to and now it has seriously affected my credit.
Consumer complaint received 2021-11-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CITIBANK, N.A. (CA)

Hi there,? I find it rather ironic that I have now tried several times making a payment to this XXXX citibank credit card and no matter times I enter in the correct information to take the money from my checking account from XXXX, the automated voice message system refuses to accept it. Not only isthis time consuming, but it is understandably very aggravating to deal with this let along the day to day struggles that most of us have to face and now this... 
Did I make a mistake opening up this credit card through XXXX? Should I close this credit card account?
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XX/XX/XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( Equifax ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (LA)

Please remove the following account from my credit report the following accounts was disputed before and deleted from my Experian credit report.Upon checking my credit report again I received an alert that a collection was added to my credit. 
XXXX please see attachment In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. 
An explanation of how the amount owed was calculated. 
Copies of any agreements signed obligating you to pay for the debt. 
Provide copies or other verification of any judgment ( if applicable ). 
Prove that federal and state statue of limitations applicable to the debt have not expired. 
Identify who the original creditor of the debt was. 
Provide verification that the collection agency is licensed to collect in my state. 
Provide their license numbers and registered agent. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (TX)

I made a payment of {$500.00} on XXXX to XXXX. On XXXX I reached out asking why the payment had not posted to my credit card. I was told the payment hold would release on XXXX and when I didn't see the payment posted, I called and was told the payment was returned by my bank as " account closed ''. I contacted my bank and they advised that sending that information to the bank was in error and they provided XXXX documentation that the {$500.00} was in fact taken out of my account and account was not closed. I called back to XXXX and requested a XXXX on XX/XX/XXXX who said that the bank documentation had been received, but the back office was reviewing the documentation give them 72 hours to credit the payment. Every time I have called them I get the same excuse. Two supervisors said they would reach out to me and it is now XX/XX/XXXX and my payment still has not been posted nor has any one called me back.
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Name of collection/charge off accounts ) that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I recently discovered XXXX fraudulent accounts along multiple fraudulent charges on some of my account. I disputed an account the credit bureau after I contacted the company ( Account # XXXX ), XXXX Case number : XXXX. I finally received a letter from XXXX stating that the company will not investigate because sometime notification are sent in error by credit reporting agencies. I will attached said letter and will stand by for further guidance.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Experian failed to report any positive credit on my credit report, this has lead to me loosing the opportunity to purchase a home before interest rates went up. The failure to report positive credit has lead to me paying higher interest rates on credit cards and forces me to purchase a smaller home at higher rates costing me {$10.00} 's of {$1000.00}. This also allows predatory lending practices to happen.