davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (IL)

I visited Alliant Bank 's savings account marketing page on their public website to learn about what rate they are presently offering. It shows only one savings account offered as of XX/XX/21, that pays an APY of 0.55 %. 

However, when verifying this against my own savings account at XXXX, I found that the rate was 0.0 %. I called Alliant to confirm this and spoke with a woman who identified herself as XXXX XXXX who said she works in the " member services '' department. She stated that my savings account has no marketing or other identifying name to differentiate it, that it is an account " that comes along with credit union membership, '' and that it pays no interest, despite the website marketing information to the contrary. 

After waiting on hold for 10 minutes while Ms. XXXX looked into this further, she returned and told me my current account type is " Primary Savings '' account, that I can convert it to a High-rate savings, account and insisted that the instructions were already on the company website as she claimed at the start of the call. However, she was unable to point me to where such instructions existed.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I took advantage of the zero apr on purchases on my city premier credit card. Ive always paid way above the minimum payment. Generally I would pay around {$1000.00} a month. I was charged a {$95.00} annual fee and was charged interest on that fee Even though I paid off XXXX se

nd a minimum payment plus the annual fee. My next issue is that when my end of term for the 0 % APR offer arrived, I call Citibank and spoke to a representative and she gave me the exact amount that I need to pay to prevent being charged any interest. I paid that amount which was my current balance. Now I see that there is an interest charge on my account. I normally never take advantage of credit card offers as Im scared of them taking advantage of a consumer. Now I see that is indeed true. Its unethical and plain wrong to have these hidden terms and fees being charged to a consumer that did his due diligence to prevent fees.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF EDUCATION/XXXX, XXXX   XXXX XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (IN)

Took out 4 separate Citibank Student Loans while in college in XXXX. 
I then entered XXXX XXXX XXXX in XX/XX/XXXX ( ironically due to being laid off by Citibank ). 
While stationed overseas as of XXXX, XXXX, the accounts were transferred to XXXX, XXXX for servicing in XXXX XXXX. During this time, I was also XXXX enrolled in XXXX  classes during the Fall XXXX and Spring XXXX, as well as Fall XXXX. 
I returned to the US in XXXX XXXX and in the Spring XXXX, I came out of student deferment, yet it was unclear to me that Citibank had changed their internal SCRA policy to a maximum of 36 months for military service. This was an extended point of contention between myself and XXXX. 
Later, I XXXX on orders in XX/XX/XXXX, of which I informed Ms. XXXX XXXX of XXXX via email on XXXX XX/XX/XXXX. We had to go back and forth several times as their system would not accept my payment due to programming issues. I submitted it on the XXXX, but by the time the payment actually posted, my account went to collections on XXXX XXXX to XXXX XXXX XXXX XXXX. 
Aside from that, I contend that I invoked my SCRA benefits prior to the account going into collection. I also argue against the charge-off credit reporting by XXXX for these accounts. 
Upon my return in XX/XX/XXXX, I was placed on orders again to Indiana in XX/XX/XXXX. Between my return and now, I contacted both XXXX and XXXX XXXX numerous times on how I can remediate this account given my XXXX  status. Associates stated they would have to get back to me, but no response was provided. 
Then, for some unknown reason, on XXXX XX/XX/XXXX, Citibank recalled my accounts from XXXX XXXX. I called the Citi Assist Help desk on XXXX XX/XX/XXXX, asking why Citi had recalled the account, to which the associated stated XXXX status. If the accounts originated with Citibank, and they are now with Citibank, how are they charged off? I suspect this has to do with my numerous inquiries and XXXX status. 
Associates at both XXXX and XXXX XXXX have been very helpful, yet it is the office at Citibank that is not forthcoming with details. They simply state I owe the entire balance and that the charge off is valid. If it was valid, why did they reclaim it from XXXX XXXX. The already received the tax write off for these monies, but still want to collect on it. Shady. As an ex-Citi internal auditor, I can say this is nothing new. 
While not explicit in the XXXX verbiage, the intent is to provide a degree of protection for single military service members such as myself, who struggle with the constant XXXX and changes in duty stations. My mailing address has changed 10 times in 10 years. So when Citi makes changes to it's policies ( say, due to a XX/XX/XXXX CFPB ruling of Citi bank lending malpractice ), I receive zero notification.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Self Financial, Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ).
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I applied for the Citi Custom Card for the sole purpose of using it for my wife 's birthday party on XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail approving my request for their promotional offer and giving me a {$7100.00} credit limit.

Shortly thereafter, I received my card and a letter indicating the terms ( {$7100.00} credit limit, 0 % APR for 15 months ). 

I was able to use the card on XX/XX/XXXX XXXX {$250.00} ), XX/XX/XXXX ( {$79.00} ), and XX/XX/XXXX ( 3 transactions at the same restaurant for {$41.00}, {$60.00} and {$190.00} ). 

On XX/XX/XXXX, I used it at two different restaurants in the same neighborhood ( {$320.00} and {$120.00} ). When I tried using the card to pay for my wife 's party at a restaurant in the same neighborhood as the other two transactions above ( {$2500.00} plus tip ), it was DECLINED.

I immediately called the back of the card to ask why it was declined and was told they suspect fraudulent activity. I confirmed the purchase and asked they send an e-mail or text. They refused. They told me I had to wait for a letter in the mail that could take 7 to 10 business days. 

I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refused to authorize the transaction and insisted I had to wait for the letter. On XX/XX/XXXX, they even called my XXXX card, verified my name, social security number, and address with all three of us on the call. This took over 45 minutes. After all was said and done, they STILL REFUSED to authorize the transaction because the name on the XXXX card was XXXX instead of XXXX. I was forced to make the transaction with a different card with a much, much higher interest rate. 

On XX/XX/XXXX, I called and requested that I be able to make a balance transfer with no fees because of all the problems with their card. Their normal fee is 5 %. THEY REFUSED! 

I have owned credit cards for over 40 years and I have great credit. NEVER, EVER have I experienced such issues and problems with a company. 

Furthermore, their Reps are difficult to understand and communicate with. On a couple of the calls, I asked for a supervisor or manager higher-up and was told there was nobody available.

Not only has my credit score been impacted by their inquiry, I was not even able to use the card for the reason I applied. To say I am angry is putting it mildly. First of all, it was an embarrassment to be declined. Secondly, I made purchases in the same neighborhood on the same night with no questions. Thirdly, I was nowhere near my credit limit. Lastly, they need a quicker way to authorize transactions.
They have questionable, unacceptable and unethical business practices and should be put out of business.

What I am asking for is for their inquiry to be removed from my credit score and a balance transfer with no fees.

Thank you for your time.
Consumer complaint received 2020-06-30
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: U.S. BANCORP (TX)

On XX/XX/XXXX US BANK CONSOLIDATED accessed my credit file with XXXX  without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by US BANK, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Consumer complaint received 2020-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC (FL)

Todays Date : XXXX On XX/XX/2020 I closed on an FHA mortgage for property XXXX XXXX XXXX XXXX, XXXX FL, XXXX with : Home Town Lenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX My first payment was due on XX/XX/2020 for the amount of {$1600.00} Status of first payment : Paid on XX/XX/2020 and posted by XXXX XXXX XXXX on XX/XX/2020 ( I have copies of the cashed check # XXXX from my banking institution ) Mortgage Transfer Update : I was notified via letter in the mail dated XX/XX/2020 but received in my mailbox on XX/XX/2020 that my mortgage was then sold to Equity Prime Mortgage. 
Equity Prime Mortgage : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, GA XXXX I have since had multiple contacts with both mortgage companies as neither company is able to reconcile my first mortgage payment. 
Dates of contact : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have written documentation with proof of cashed checks that I am up-to-date on my mortgage payments. Yet after emails and phone calls I am still not getting reconciliation and I was told I am only covered until XXXX under the mortgage protection act. 

Based on lack of response and reconciliation, I feel as if this mortgage transfer may be fraud related and I am worried about my home and credit status. I am asking you to get involved as time is sensitive and I have done absolutely everything on my part to reconcile this. According to Equity Prime I am a month and half delinquent which is not the case at all.
Consumer complaint received 2021-08-06
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: ACIMA CREDIT, LLC (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

Our Discover card was used fraudulently last summer. We contacted them immediately and let them know that we had this problem and that the person who did it also changed all our online log in information. Discover card let them change it. They said the person who called had our information and Discover card let them change all contact information except for being in our name and our address. The person spent all the money in a 3-day period. I first put a freeze on the account. The person who was stealing the funds took the freeze off. I then called Discover card and was told that they would investigate tithe told me we should freeze our credit since it appeared my husbands identity had been stolen. When asked what else we should do they said that was it. On XX/XX/2019 they sent a letter saying it was not fraud, they knew it was us and that we had to pay. We called again. Kept asking for a supervisor or someone who could make a decision. We were continuously put on hold and then told there was no one for us to speak with and that we had to pay. They then asked if we had called the police in XXXX. I said no, that was never suggested when we asked what we should do. They then said that because we did not call the police, they would not help us and we had to pay. They sent another letter XX/XX/2019 stating it was not fraud and we had to pay. We called again and requested to speak with the highest supervisor or decision maker. They said they would pass us along and promptly disconnected us. They sent another letter XX/XX/2019 saying that they would not help us. During this time they would call us every day to threaten us with collections. When I would explain why we would not be paying they promised to find someone who could help us but of course did not. I finally told them that if they called again I would turn them in for harassment. The calls finally stopped. In XXXX we asked our attorney to get involved. He wrote a letter demanding a response within 15 days. Nothing was ever received. Our attorney recently gave us information on how to get in contact with CFPB to help with this matter. We canceled the credit card last fall and will never use Discover card again. We pay all our balances monthly and never carried a balance with Discover card. They refused to see that we are not the kind of people who do not pay their bills or look at our 20-year history with Discover card. And they are ruining our credit score.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

Venmo app has held my XXXX dollars. My account was hacked and now i can not access my money they said for 180 days. 
I couldnt even access the provisional money they gave me cause it was on the venmo mastercard.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this account!!
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

FedLoan Servicing is reporting to XXXX, XXXX, and XXXX  that the 8 student loan accounts XXXX were late from XX/XX/XXXX to XX/XX/XXXX. This information is inaccurate and false. I requested a forbearance due to being unemployed XXXX XXXX this was approved from XX/XX/XXXX until XX/XX/XXXX and then I requested a new unemployment deferment XX/XX/XXXX. I have attached the forbearance request I submitted as well as emails indicating my account was approved to be deferred during those periods. 

This information has caused my credit to drop exceptionally with over 6 months of late payments showing when these payments were never late. I reached out numerous times to have these accounts placed on forbearance and a manageable repayment plan directly with FedLoan Servicing. I have asked FedLoan Servicing to update these accounts with the credit bureaus and they have not done so. I have also reached out to each credit bureau XXXX, XXXX, and XXXX  to alert them of this inaccurate information and they have not updated the late payments either, they continue to state they have verified the account is correct. However, none of the bureaus have provided physical proof that this information was verified as accurate. This is not lawful or compliant and is against FCRA 605 b in regards to debt furnishers. I am requesting this negative information be removed off ALL 3 credit bureaus immediately or I will be forced to seek legal assistance.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (MN)

A deposit was made to account XXXX on XX/XX/XXXX. The next day I withdrew money. On XX/XX/XXXX TCF decided that this was a fraudulent transaction and started an investigation and closed this accoiunt. About {$1700.00} was in the acciunt before it was closed and they deposited 2 social security checks after account was closed. I was told investigations can be ongoing for 3 months. I have sent 3 letters, one of them was a requested notarized signature and have gotten no response.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

On XX/XX/2020 an account from ic system inc showed up on my credit report as a new account just opened and is reported monthly as past due on my credit they are declared as a collection for XXXX  however I have never had XXXX  i did not open an account with anyone in XX/XX/2020 and I have disputed this on my credit and requested proof of this account and am never provided proof of this account a itemization of charges and proof of ownership besides the fact that it is reporting monthly as a new account this is effecting my credit and my ability to purchase a home for my family
Consumer complaint received 2020-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HOME BANCSHARES, INC. (FL)

On XX/XX/2020, my wife and I purchased an electronic dog toy using our debit Mastercard from Centennial bank. The purchase was for {$77.00}. The merchant name is XXXX ( aka XXXX ). After receiving the toy, it was not the product we purchased. The merchant was using descriptions and photos of another product. We contacted the merchant and they offered a credit of 10 %, but would not go any further in refunding the amount back to us. I called my bank and opened up a dispute on XX/XX/2020. I provided the bank all of the details of the transactions to clearly show that the merchant sent a different product, and they were not honoring their refund policy either. On XX/XX/2020, I received a letter from Centennial bank denying the dispute claiming " no error was made ''. Upon calling a bank representative at my local branch in XXXX, FL, they claimed that they could not follow through with the dispute because it was an " authorized purchase ''. I was under the impression that I had the right as a cardholder to dispute a transaction, and this right was being denied. At this point, it's the only way I can find a resolution. The bank did not follow through with investigating the dispute, or provide documentation to back up its findings. I wasn't able to challenge it either. I feel my rights within the FCBA were not processed fairly.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (VA)

On XX/XX/20, Barclay contacted me stating that I owe a debt to them. I am currently enrolled in a debt settlement program with XXXX XXXX and my settlement was paid in full to resolve this account. All payments were made to Barclay as agreed. Barclay refuses to acknowledge the settlement that was agreed on and continues to harass me for a balance that is no longer due to their company. I spoke with a manager named XXXX XXXX who was extremely unhelpful. They refused to verify to contact XXXX XXXX for verification of this debt settlement agreement. He refused to provide me with his supervisor 's contact information several times before he finally provided me with the name of his supervisor in which he stated was XXXX XXXX. I requested a fax number or email to make a formal complaint to his supervisor and he refused to provide this information as well.