davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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. (MD)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I recently had all my XXXX credit card accounts ( Active since 1989 ) cancelled, without notice by Citibank. I discovered this, while attempting to make a purchase on XXXX of the cards. Upon calling the Citibank Customer Card Services XXXX #, I was informed that no information was available. I was advised to write a letter to their Security Services Division, located in XXXX XXXX, S.D. 
I subsequently received a written response, that stated Citibank was using their account agreement discretion, to close my accounts without prior notice. I had also asked about my points balance, averaging XXXX per card and they chose not to respond. 
What is my recourse if any at this point, as my account was always current with Citibank and will this have a negative effect on credit score?
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (OH)

best buy closed my account based on a report obtained from XXXX. I called best buy and told them the report and information that they obtained was incorrect and it must not be me. I crossed referenced the consumer report from XXXX and they are clearly wrong. Now they have closed my account so this will negatively affect my credit score.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

Dear officer, I made a purchase of a really small amount on my credit card XX/XX/XXXX. The bank failed to send the monthly statement by mail and so I was not aware of the balance on the credit card. I did not make any other purchase on that card since then. The credit card company never contacted me about the past due until XXXX months later when I was warned by the credit score change ( 800+ to 620 ) from another credit card company. The bank have all my contact information on file including email address and phone number but obviously they did not try to let me know about the problem. I think the bank should be responsible for providing the account information to me and warn me about past due. Thanks!
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (CA)

I withdraw {$500.00} from Atm Machine located at the Citibank branch of the city of XXXX CA XXXX on XXXX XXXX 2016 around XXXX. I realized the ATM gave me just {$200.00}, I called Citibank customer service to report this incident, They gave me conditional credit toward my account pending investigation without showing any proof they reversed the {$300.00} credit given, I spoke with a Supervisor on the customer service department I told him, I need some type of proof as a video of the transaction because while after completing their investigation Citibank has not provided me proof of such the money given by the ATM just they said as stated on the letter 'they cant XXXX honor my request '' That 's why I 'm reporting this issue to the CFPB.
Consumer complaint received 2015-12-31
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (AZ)

In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

Hello, my credit score and report has and is always perfect. I never pay anything late and always pay early the full amount I owe. Never a minimum balance and never had any issues with any credit cards. On XX/XX/2014 Macy 's put a delinquency on my account which I did dispute. They never send me the bill and explained to me that it was not my fault. They got the payment as soon as I called them and let them know I did n't get the bill. I paid in full a week later. They admitted they had issues and said it should not effect my credit report. Yes they did put the account in delinquency. Please help.
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I am contacting the CFPB as I am stunned and scared as my mortgage servicer, CitiMortgage denied my request for a loan modification because the FHA loan I have that is co-signed by my brother ( who quit claimed off the property XXXX/XXXX/14 ) also co-signed for a loan with his girlfriend with XXXX XXXX and that loan happens to be an FHA loan. That loan was taken out a few years after my loan so I can not understand why this is being held against me and CitiMortgage will not modify my loan because of this. I went online and pulled the FHA handbook guidelines refernece Handbook XXXX : XXXX stating this is the exception and not the rule. I tried appealing the decision and they came back today and stated my only option is short sale. I have nowhere else to live and I started working a XXXX job for the past year just to be able to afford this home. It appears from the FHA handbook an exception can be made considering I live in the home, my brother does not and we have a recorded quit claim deed. - XXXX Non-Occupying Co-Borrower. A non-occupying co-borrower on property being purchased with an FHA insured mortgage as a principal residence by other family members may have a joint interest in that property as well as in a principal residence of their own with an FHA insured mortgage. XXXX See HUD Handbook XXXX for additional information ). Under no circumstances may investors use the exceptions described above to circumvent FHA 's ban on loans to private investors and acquire rental properties through purportedly purchasing " principal residences ''. 

Considerations in determining the eligibility of a borrower for XXXX of these exceptions are the length of time the previous property was owned by the borrower and the circumstances that compel the borrower to purchase another residence with an FHA insured mortgage. In all other cases, the purchasing borrower either must pay off the FHA insured mortgage on the previous residence or terminate ownership of that property before acquiring another FHA insured mortgage.
Consumer complaint received 2017-02-04
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A. (CA)

I received a call this morning at XXXX from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at XXXX from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past XXXX weeks.
Consumer complaint received 2016-01-25
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I have had a Best Buy credit card for many years. It now goes through CitiBank. I charge about {$3000.00} per month on this card and pay off the entire balance each month. The rewards program for the card promises 1 % or more in Best Buy rewards. Beginning in XX/XX/2016 I have not received any rewards for these outside purchases. I have reported the problem to Best Buy on XXXX occasions beginning on XX/XX/2016. In each instance customer service tells me the problem with be resolved within XXXX business days, but this never happens.
Consumer complaint received 2021-01-18
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: CITIBANK, N.A. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, CITI CARDS/CITIBANK Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NJ)

On XXXX separate occasions with fedloan I was granted a retro forebearance however they have continued to report late payments to all XXXX credit companies which is destroying my credit and making it impossible for me to gain access to lines of credit and housing.
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I have trouble repaying my XXXX student loans. I have asked for help from Fed Loan Servicing but it would be a financial burden to pay according to the plans that I have been offered. The plans do not take into account the fact that I have no discretionary income to pay my student loans according to an analysis made by a Consumer Credit Counseling Agency. I have asked for a minimum but the provider has sent collections notices as well as threats of garnishment. Likewise I have asked for Teacher Forgiveness as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.
Consumer complaint received 2016-11-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I set up autopay for my student loan weeks ago. I set it the autopay for the date the bill was due. My due date was two days ago and my autopay has yet to be debited from my bank account. I am now considered late. Late fees have been applied. This payment is now reflecting on my credit report.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. It specifically states that This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

In my case payments were missed and delinquencies were first reported, however, retroactive forbearances were approved which covered the time frame in which the delinquencies took place. As per the FCRA section mentioned above the furnisher has a duty to correct/update this with all credit reporting agencies, regardless of weather they were accurate at XXXX point. 

I have requested the furnisher to correct and update the information to no avail. 

I then filed a dispute with XXXX and XXXX I provided them original approval letters from the furnisher of the forbearances in question which included the time frames which they covered. They stated that they sent the information to the furnisher but they did not provide updates regarding the payment history disputed, alleging no errors were present.
Consumer complaint received 2016-04-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (KY)

This is just XXXX of the XXXX late payments that they reported to the credit bureaus Account Details Last Reported XXXX XXXX, XXXX Creditor Name FEDLOAN. Account Type Student Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 146 Months Monthly Payment {$0.00} Responsibility Individual Balance {$3200.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status 60 Days Late Date of Last Payment -- Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor. With no monthly payments, am current, no date of last payments, how can I be late on those payments?? FedLoans was opened XXXX XXXX last reported XXXX/XXXX/XXXX They need to furnish me with the POLICY/ GUIDELINE manual for XXXX, I want proof that I was late 60 days, and how and why, and the exact timeframe from XXXX in which they are required to report, when they are stating in my credit reports I was late on XXXX different FEDLOAN reportings on my credit reports with all XXXX late at 60 days, a payment of 60 days! in which was in deferments or forbearance at that time, also I had spoke to a CSR and they stated they do not report to credit bureaus until after 90 days!!! If they can not they need to remove all that they have reported to the credit bureaus immediately!!! It adds up to about {$35000.00}!!
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (PA)

My private loans are being serviced by American Education Services and I recently defaulted on a loan. After my loan defaulted I was told by an American Education Services representative that there were options available but it was too late now. I called weekly before the default to see what options were available and was always told no options were available to lower payments or interest rates. Loan payments are {$1500.00} a month, I can not live on making {$300.00} a week payments. Need a way to consolidate my private loans and lower the payments. 

Recently featured in the local paper about the difficulty I have been having dealing with American Education Services. 

XXXX
Consumer complaint received 2015-06-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: MNE Services, Inc (MN)

Company called XXXX. Hi my name is XXXX XXXX. I received a letter saying i was approved for XXXX loan. So i call them and talking to them. They said i am approved for the loan but due to my credit they said i have to come up with {$320.00}. to give them first. So that what i did. They told me to XXXX store and purchess a mycash XXXX card and put money in there. So that what I did. Now they saying they could not put money in the my account it has to send thru XXXX XXXX for me to recieve. I said ok. They the money is sent but there other fee. I have pay {$420.00}. for fee for them to sent it thru XXXX XXXX. That wat i did. Now they saying there other fee. {$340.00} for the tracking number they gave me was only good in XXXX..To unlock the tracking for XXXX. Again the wat i did. Then they saying I to have pay other fee due to my credit have to pay soical sercurty for me to able to receive the money. I 'm very honest person and nice. I do n't know wat to do I am scared now. All these fee I never heard of and I really did believe them. Please help. Pleaqs
Consumer complaint received 2015-08-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STERLING JEWELERS, INC. (CA)

My husband purchased a ring for me on XXXX XXXX for my birthday. After a few days of thinking about it we XXXX decided we did not care for the band very much. So we went into Jared again on XXXX XXXX, we looked and found another band and paid more money for the different ring. They said they were able to exchange the whole item no problem. Then on XXXX XXXX, I went into the store and explained to them that we no longer wanted the ring we purchased and would like to return the item and keep our line of credit but return the item. The employee when we made our first exchange never explained to us that the diamond had 30 days to return and we assumed that that was from XXXX XXXX and they said it was from XXXX XXXX so we had passed the date by 2 days. We were never told that information until XXXX XXXX when we decided to wait on the purchase and buy at a later time. We contacted customer service on XXXX XXXX and explained the situation and when they pulled up the transactions not all the number even added up to her. They were off and she was even confused and had to ask another worker to help her figure out the situation. After speaking with her she said there was nothing they could do to help us return the entire purchase. So we decided to call the jewelry store today and say you know what go ahead and give us our ring and diamond back we will just keep it and forget we ever returned it. The employee said no problem and said it would be ready in a few hours. All of a sudden my husband receives a phone call that now we need to pay Jared another {$200.00} in order to pick up the ring again. Which makes no sense at all if no changes were made to it at all we are just picking up our merchandise again. We feel so taken advantage of by this jewelry store they have not explained things correctly several times and all their number from the transactions see To be off and now they are asking for more and more money which makes no sense.
Consumer complaint received 2017-02-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (TX)

My mortgage company has not paid my property taxes for the 2016 year. I am almost 2 months delinquent for this issue. I have made multiple attempts to find an answer on why my property taxes have not been paid by speaking to their tax and customer service departments. Both departments have no idea on why and are giving me the run around. I was told I would get a phone call back to update me on the status 2 weeks later I am still waiting for the phone call. I do not want to pay the penalties incurred for the late payments.
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I returned a leased XX/XX/XXXX XXXX XXXX XXXX automobile on XX/XX/XXXX. About a week later I received a letter from Hyundai MotorFinance for {$1800.00} in excess wear and tear. It seemed to me that every mark on the car was considered excess wear and tear. Therewere XXXX scratches on the car, for XXXX of them they want $ XXXXXXXXapiece, and XXXX for which they were charging me {$250.00} apiece. 
After receiving this latter and ultimately a bill for {$1800.00}, I askedto see the car so that I could evaluate the so called damage. Theydenied me access, saying that the car had already been sent to thewholesaler for resale. My question was, if the car had so quickly been sent on, how could Hyundai have incurred anywhere near $ XXXXXXXXto repair it? I suspect that the whole exercise was only to extract moremoney from me. As I am retired, this amount represents a realinconvenience for me to pay, and therefore I am asking you toconvince them to modify the amount to {$500.00} or less. 
This amount represents XXXX of the scratches that I realize wereexcessive, and for which I am willing to pay.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I have been making payments for 10 years. the first three years have n't counted toward my public service loan forgiveness program because I was on the wrong payment plan and was n't informed. When i found out how it works around 2013 I got on the income based repayment plan and paid what I believe is XXXX $ toward my 10 years for the public service loan forgiveness program. Now I am being told that I cant count any of that towards my 10 years because they did a consolidation on my loans. This is unfair. I am not even sure why they did the consolidation as there was no real benefit to me and also I was NEVER informed that would cause me to lose out again on money I paid going toward my loan program. I would have been on the lower monthly plan if I knew it wouldnt count- this is unethical and would like it resolved.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR TEXAS TRUST FORMERLY KA : XXXX XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MYSELF ( BRUCE NAYLOR, JR ) AND TRANSUNION FOR MY WIFE ( XXXX XXXX. WE HAVE REPEATEDLY CONTACTED TEXAS XXXX XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY.