davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I had voluntarily returned a vehicle to XXXX XXXX in XXXX of XX/XX/XXXX. I could not continue to pay for the car and all of the repairs. I was sold this vehicle with a " warranty '' that added thousand s of dollars to the price of the car, but it covered nothing. They are reporting it as if I returned the car in XXXX of XX/XX/XXXX so now my credit is shot. I had built my credit up, but now it looks like I recently had a repossession. They are also reporting an incorrect balance. The terms of the loan are not correctly reported as well. When I call them I am on hold indefinitely. They dumped 6 months of negative reporting on my credit at XXXX time. Their information was not on my report until XXXX XXXX. I was scammed and hurt by them XXXX, now I am going through this again with my credit score dropping XXXX points.
Consumer complaint received 2017-05-24
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: EQUIFAX, INC. (GA)

I contacted XXXX XXXX XXXX XXXX, Credit Bureau Disputes Division, via phone # XXXX and fax # XXXX to report that an account I voluntarily closed in XX/XX/XXXX had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided to XXXX. Since the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until XX/XX/XXXX. On contacting the CRAs, I was told that XXXX XXXX instructed them to delete the record. I conclude thaXXXX XXXX mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute. Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the joint LOC in XXXX XXXX ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around XXXX XXXX. For over 6 weeks in XXXX and XXXX I worked tirelessly with XXXX XXXX to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old credit report that showed a truncated loan number. XXXX XXXX XXXX, a XXXX XXXX employee at the banks credit card executive office called me around XXXX XXXX to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number, XXXX, for my use in making future inquiries on this matter. I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report. It is my opinion that XXXX does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (PA)

I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these charges.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (MN)

Monday XX/XX/2016 at XXXX I was contacted by XXXX with Ford Motor Company . He was very abrupt and was demanding proof of my husbands military status. I was 48 dpd at the time of the call on Monday. I was informing him I would be able to make a payment, to which he advised me was not acceptable unless I brought it totally current that day, and if I failed to do so, would request a Strict Compliance Letter. He made this threat to me only after I informed him that I had not been answering some of their calls because their caller id had changed. They now mask the calls, so that the caller id reads " XXXX operator " XXXX '' - and informed him that the CFPB could view this as a deceptive practice. It was after that point in the call his tone and demeanor changed despite my offer of payment, and he then threatened repo after I brought to light they may have a CFPB violation or concern. I was simplay trying to ask him if they could call me with something other than XXXX as the caller id. - I understand Ford is a First party creditor and is not bound by fdcpa. But they then called me 3 minutes later after this phone call occurred! The next morning They called me every two minutes again from the Caller ID XXXX XXXX OPERATOR. My concern for Ford is two fold. They are treating this account emotionally, as I apparently upset the collector with my CFPB concern, then manually requested a Strict Compliance Letter ( aka repo letter ) even though I had a pending debit on file. Then has called me repeatedly, literally minutes apart. They made an emotional decision, which I assure you if their accounts are audited, you will see their customers do not have a consistent time frame in which the " SCL '' letter is requested, and also that they are performing deceptive practices by having their calls appear os " XXXX '' operator on my phone, where it never used to. I do feel that although the FDCPA does not bind them from repeated calls. Every two or Three minutes, even with a contact from me is a form of harassment. Especially when I had a payment arrangement pending in the system.
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

i had submitted a complaint and sent info in 2012 against a predatory mortgage but never heard back. it was CitiMortgage, the address was XXXX XXXX XXXX XXXX. we lost that home and no one has ever contacted us, please call me @ XXXX XXXX XXXX. They told us we would be on a priority list.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (IL)

After disputing with equifax the validity of a mark on my credit report from XXXX, it was determined that the report was incorrect due to fraud. it was removed from my report on XX/XX/XXXX. I went on my report today and this is back on my report. Equifax has never sent me a letter of reinsertion within the 5 days required by law and has now broken the law by having this account relisted on my account
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

XXXX, my cell phone provider, shutoff my service for an unknown reason. My account was on auto-pay and my credit card had not expired. I have been with XXXX for several years. Because I needed to use my phone, the only option I had was to pay XXXX with my Sears/Citi MasterCard. I could n't even call XXXX to ask what was wrong. 
The very next day, I changed cell carriers, so I wanted a refund of the $ 35 monthly fee. I was willing to pay the prorated amount - {$1.00}. 
I submitted information about the billing dispute ( attached ) and they responded with 'you did n't provide us with information ' and they did n't say what information was missing.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

On Friday  XXXX   XXXX    XXXX   I received a call from my   XXXX     XXXX   XXXX  credit card saying that someone had called in and changed my address on my acct and ordered a new card to an address in  XXXX . They put a block on the acct. I decided to check my other cards. Walmart, target and my amazon store card had all been changed to the same  XXXX  address and new cards requested. They all stated the caller knew all my info. Okay lets get to walmart. The rep stated that yes someone had called and changed it and ordered a new card and that she will cancel that card, change my address back and send me a new card. We verified the new card would be sent to my address NOT  XXXX  AND I added a passcode to my acct in  XXXX  that person called to change my info.     On Tuesday  XXXX   XXXX ,   XXXX   I decided to double check my  XXXX  acct. Not only had the card that was being sent to the  XXXX  address not canceled they also changed my address back to  XXXX  and they were charging hundreds of dollars as I was refreshing the screen. They claimed they have canceled the new card and now sending me yet another one so I am still waiting on that. I am very upset that this was allowed to happen twice. If the rep I spoke to on Friday would have done her job the thief could not have charged to my new card. Luckily they say I am not liable but the fact still remains they were careless with the security of my acct. I check my amazon store card and the same thing happened. The person called in on sunday  XXXX   XXXX  and changed my info again and got a new card sent even though on Friday the rep at amazon claimed that they had changed everything back and they were sending me a new card. I also added a passcode that day. SO how has this happened? Some one needs to be accountable!
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: CITIBANK, N.A. (TX)

Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX miles after scheduling two bill payments and accumulating {$1000.00} in debit purchases. 
The cash value of XXXX XXXX XXXX miles is approximately {$500.00}. 
In XXXX XXXX, I contacted Citi and received confirmation that I had fulfilled all terms of the offer. 
On XXXX XXXX, XXXX I contacted Citi again regarding the bonus offer, and was told that I completed the terms in XXXX, and that the miles would be credited no later than XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX the points had not yet posted so I called Citi and was told that the points were " on their way '' and to expect to see them within 3-4 weeks. 
On XXXX XXXX, XXXX I called Citi again, who opened an " investigation '' into the missing points, and told me I would hear back within 1-3 business days. 
On XXXX XXXX, XXXX, after not hearing anything from Citi, I called in again, and was told that their back office was very busy, and to expect a response within 5-7 business days of the investigation opening ( XXXX ). 
On XXXX XXXX, XXXX, after still not hearing anything from Citi, I called them again, and was told that the investigation is still open, and that the customer service representative would request another. 

In summary, it has been five months since I met the terms of the bonus offer, and Citi has still failed to live up to their side of the deal. The chat log between myself and Citi where they confirm that the requirements have been met is attached. 

Citi Online Chat Log, XXXX/XXXX/XXXX You are now chatting with XXXX. 
XXXX : at XXXX Hi, XXXX : at XXXX Welcome to Citibank Online Chat. My name is XXXX. How may I help you? 
XXXX : at XXXX Hello XXXX. 
XXXX : at XXXX How are you? 
XXXX : at XXXX I 'm well, thanks XXXX : at XXXX I signed up with a promotional offer for my CitiGold account, and completed the requirements some time ago, and I 'm wondering when the bonus American miles will post XXXX : at XXXX Great question! 
XXXX : at XXXX I will be more than happy to assist you. 
XXXX : at XXXX Please allow me 2-3 minutes to review your account. 
XXXX : at XXXX Thank you for holding. 
XXXX : at XXXX I do see you completed the terms in XXXX. Therefore, your miles will be credited within 90 days of the statement cycle in which you fulfilled the terms. 
XXXX : at XXXX That will be no later than XXXX XXXX. 
XXXX : at XXXX Thank you, have a nice day
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

XX/XX/23 XXXX purchase via app. 2 charges- XXXX and XXXX. Filed dispute with Wells Fargo. Given provisional credit XXXX. Wells Fargo completed its review. In spite of me moving to another city Wells Fargo refused to give me the resolution over phone. That is their policy. This did not allow me anytime to plan in case they retracted the credit. After my move I went to a Wells Fargo branch in XXXX XXXX NM and spoke with XXXX. She checked what was done and said the credit would not be retracted on XX/XX/23 the XXXX was taken back out of my account. I am on social security.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NY)

I have been fighting with Macy 's department store to have a charge-off removed from my XXXX credit bureau accounts. I never opened up a credit card with macys. I have notified macys on several occasions and they will not, and have not removed this charge off. I also notified the credit bureaus and they did not rectify this situation. I do not know what to do at this point. I did not open up a macys card and I do n't know whey they are reporting a fraudulent account I never personally opened up on my credit report after I notified them about this on several occasions.
Consumer complaint received 2015-07-10
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (NJ)

I received a {$50.00} prepaid card from XXXX XXXX, issued by Citibank in XXXX 2015. I forgot that i had the card and it expired in 6 months in XXXX 2015Tried calling Citibank to reissue me a new card as the funds were not used ( verified with the agent ) and they refused to issue me a replacement cardNow Citibank has {$50.00} more in their account from mePrepaid cards should have a longer expiration dateAppreciate if i can get a replacement card issued. 

thanks
Consumer complaint received 2022-03-29
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: WELLS FARGO & COMPANY (UT)

WellsFargo/XXXX  XXXX XXXX XXXX I was 30 days past due on one payment. This is not true. A check was sent directly to them from my XXXX XXXX. It was received on time to not be past due. XXXX did not post it timely
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AVANTE (TN)

I started receiving calls from a woman stating to be with Avante USA on XX/XX/2017. I missed this call and did not return it because I do n't know anyone in Texas and they did not leave a message. I then received a call on XX/XX/XXXX and I spoke to this woman. She stated they were trying to collect a debt for XXXX. I informed her I paid off XXXX several years ago. I also informed her that I started receiving calls a few years ago from another company trying to collect this debt, I asked them to validate it, and they never did and they never called again. I asked this current caller to validate the debt. She said she would only do that if I gave her my email address. I told her I would not as I did not feel that was secure, and that she needed to mail me something via XXXX. She stated they had, but I have not received any mail from this company. I told her I would be happy to work with her if she could validate the debt, she again said she would n't mail me anything else so I ended the call. She called again on XX/XX/XXXX and I did not answer. She called again on XX/XX/XXXX, and the same conversation took place. They called again on XX/XX/XXXX, and I did not answer. She called again today, XX/XX/XXXX. I told her we had already had this conversation and I would not speak to her anymore unless she validated the debt. She stated she had never spoken to me before and that I must have spoken to someone else. It sounds like the same woman calling everytime. I explained again I felt this money had been paid to the hospital and she needed to send me proof I owed it. She asked for my email address, which I refused as I did not want my information emailed. I asked her to mail she something and she said they do n't do that. I told her I would not give her any money or any further information until she could proof I owed it. I explained I felt the burden of proof was on them if they are accusing me of being in debt. She then threatened to put this on my credit report, then corrected herself to say it was already there. I told her I was not worried about that at the moment, that she needed to validate the debt. She told me to have a blessed day and hung up. I believe continuing to call me without validation of debt is harassment. They also give out my birthday every time they call to confirm my identity, which I have asked them not to do. They should ask me my birthday and let me give it to confirm my identity, otherwise they are providing my birth date to anyone who may answer. Thirdly, I do not appreciate threatening my credit report for something they can not or refuse to prove. Lastly, telling me to have a blessed day is unprofessional, as I do n't feel the collector 's religion has anything to do with my owing a debt or not. I want validation of this debt, or I want the calls to stop.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MI)

I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my GAP insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however Experian and XXXX believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me to go XXXX and hung up on me.
Consumer complaint received 2016-07-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NC)

We closed a loan ( mortgage ) with CitiMortgage in XXXX XXXX. A deed in lieu agreement was signed and recorded with the register of deeds in the county the property is located. A Satisfaction of Security Instrument document was signed by CitiMortgage, with wording that includes : this satisfaction terminates the effectiveness of the security instrument. Both of these documents are attached. CitiMortgage as of XXXX is saying this security instrument is open and we owe them an approximate sum of {$40000.00} as fees related to this loan. We have just become aware that CitiMortgage is now selling this closed loan to XXXX.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

Experian continues to report a settled XXXX XXXX XXXX account to my credit report even though the FCRA 7 year reporting rule has expired. My records show that the last payment on this account was prior to XXXX XXXX and in fact, the account was charged off by XXXX XXXX XXXX prior to XXXX XXXX and settled with a third party collector in XXXX XXXX ( see attached settlement offer letter ). Typical time of delinquency prior to charge off is 6 months, clearly indicating that the date of first delinquency was in or prior to XXXX XXXX and that the 7 year reporting rule has expired. XXXX and XXXX have both dropped the account from their reporting, but Experian continues to report it with serious impact ( XXXX points ) to my FICO scores.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

I sent a dispute letter to the bureaus ( Experian, XXXX, and XXXX XXXX ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I was targeted for and completed the requirements for a checking account/debit card. The requirements were completed in early XXXX. I confirmed I had met the requirements via online chat and was told I would receive the bonus XXXX XXXX points by the end of XXXX. During the first week of XXXX I contacted Citibank via online chat to ask about my missing points. An investigation was opened and I was refused the points saying that there was no such promotion when I opened the account. A second investigation has been opened and my points are 'pending ' and should be in my account in 60 days. It is ridiculous that should have to wait XXXX months to receive a bonus and jump through multiple hoops to get a promotion that I was offered. I will be very wary of dealing with Citibank in the future.