davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Citibank charged {$99.00} a year. I called to see if Citibank XX/XX/2020 could wave the annual fee as the interest rate of over 20 % was not competitive with what I could get elsewhere. Citibank could not, so I paid my balance in full online. And Citibank confirmed that my balance was paid in full and that there were no pending charges. 

A couple of months later Citibank called and said I owed a balance for one charge on XX/XX/2020, that went through on XX/XX/2020, which was after I had closed the account. And Citibank had tacked on fees and interest that more than doubled the balance I owed. And again, Citibank had confirmed on XX/XX/2020 that I had paid the balance in full and that there were no pending charges. 

I checked balances on this account online and never received a statement. Once my account was closed on XX/XX/2020 I no longer had access to see my VISA card balance. I had no way of knowing that Citibank incorrectly informed me that I had no pending charges, and that the pending charge had been processed the day after my account was closed. And Citibank made no attempt to contact me. I assume this was because Citibank saw an opportunity to exploit the consumer for fees and interest. 

I have spoken with Citibank numerous times and sent a hard copy letter requesting Citibank drop their late fees and interest, but Citibank refuses to accept responsibility, but rather continues to pile on late fees and interest. 

Citibank has been truly irresponsible and unprofessional in this situation and I worry they are applying similar predatory practices to other customers. 

Thanks so much for looking into this situation for me. 

Sincerely, XXXX XXXX PS. Credit Card ending XXXX
Consumer complaint received 2020-09-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (KY)

The card said to register for online order. I did so. Then the card did not work. Now the website for help and to register the card does not work and the phone number only says there will be an extraordinary wait time and hangs up.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (VA)

I checked my bank account back in XXXX and noticed a deposit of {$100.00} to my main, personal checking account from MoneyLion. I had never heard of this service before this date. There were many other fraudulent issues on these accounts as well that have all been resolved except for this one. I tried to reach out to them, which is nearly impossible unless you have an account there, and I was directed to their fraud department. 

I don't remember this exact date, but it was some time in early XXXX. I was told I would receive information to send back to them and this was never sent my way. 

On XX/XX/XXXX, I called and got a fraud case set up for me and they sent me information to fill out. I sent them an email to the email address they provided with questions regarding the documents required on the XXXX. In this email, they explicitly stated I had 15 days to return all these documents. 

On the XXXX, the same day I sent my questions, I got an email saying the case has been resolved/closed due to lack of response from me to the company. I then sent another response to that email saying I had questions that didn't get answered and then asked if my case was actually resolved or if they were just closing it for inactivity - even though there was activity. 

On the XXXX, I received another email claiming a different ticket was closed. Again, no questions were ever answered. 

I was reaching out to them to begin with because the account that was opened in my name is late and is hurting my credit score. I have filed disputes with the 3 main bureaus and I am concerned that they are going to reach out to MoneyLion and MoneyLion will claim that I haven't tried to resolve it with them - even though I clearly have. Another concern of mine is the fact that they have a different amount than what I see. I received {$100.00}, they have that it was {$150.00}, but my credit report is showing approximately {$500.00}.
Consumer complaint received 2021-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

To whom it may concern at AmeriCollect Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. 


Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 

Account # XXXXplease provide all paperwork or proof. If not, delete account from the credit bureaus. 


My goal is to correct the record on file. This is a request for information only. 

Please provide all paperwork to XXXX XXXX XXXX, XXXX, Texas XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX  took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Consumer complaint received 2021-08-07
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (OR)

On XX/XX/XXXX as part of a bankruptcy i reaffirmed my vehicle which was a XXXX XXXX XXXX. I made all payments for 7 years with no late payments. My son was the borrower and I was a co borrower. My son never filed bankruptcy, I was never notified that all evidence of my auto loan for the last 7 years would suddenly be wiped off my credit report. I was told that it was because it was affected by my bankruptcy, but it was not. The car was payed off in XXXX of XXXX and still was not told by anyone that my credit would be removed. A news station reported that millions of car, home and personal loans were being terminated by Wells Fargo and consumers have seen positive credit removed by them as well. This is not accurate or fair reporting of my credit history. Yes I filed bankruptcy but not on them and I am already being financially punished for ten years, however all my credit good and bad should be reported. You can better believe that if I had missed some payments it would have stayed on my report. All I am asking for is the credit I established, earned and payed for be accurately reported.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$2000.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$6100.00}, {$2400.00}, {$6000.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 4. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. DEPT OF ED/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

11. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

12. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Consumer complaint received 2020-12-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO. (TX)

I hereby file a formal complaint against Chase who is servicing my lease on behalf of XXXX XXXX no the account ending in XXXX. The lease end process resulted in increased charges and threats by Chase due to incorrect lease return information on Chase 's part. 

The vehicle was lease returned in XXXX ahead of its maturity date of XXXX 2020. At that time I leased a new vehicle from another manufacturer, this dealer made the remaining payments on my behalf. 

I received a " Notice of Intent to Sell Leased Vehicle '' on XX/XX/XXXX20 stating that there is a " Gross Early Termination Amount of {$40000.00} '' as a balance due to early lease termination. This is incorrect as I did not terminate the lease early as all contractual payments were made. I confirmed my assertion with Chase via a phone call on XXXX where the agent confirmed that all 36 contractual payments were received as of XX/XX/XXXX. In addition Chase sent me a letter dated XX/XX/XXXX20 stating that " The remaining balance owed on your lease is {$0.00} ''. 

On XX/XX/XXXX20 I received a letter from Chase stating that " The remaining balance owed on your lease is {$860.00} and it is due now ... You can refer to your lease agreement on how your Early Termination Liability was calculated ''. Again, this was not an early lease termination, but rather an early vehicle return where all 36 months payments were made. 

In order to avoid negative credit reporting and collection efforts I paid the {$860.00} over the phone on XX/XX/XXXX as the agent did not seem to have any information regarding the prior communication received from Chase and said they would have to investigate the issue. In addition the agent read the Mini Miranda stating that this was an attempt to collect a debt. 

I hereby formally dispute the lease end amount as the vehicle was not an early lease termination as Chase provided information that all contractual payments under the lease were made. I believe Chase 's lease end process does not have appropriate controls in place with XXXX to ensure appropriate vehicle grounding information to support lease end of lease processes and avoid threatening letters to its customers. At best this is unfair treatment and from a customer perspective I felt deceived by Chase and am now paying additional money at lease end as Chase calculated a " Early Termination Liability of {$2500.00} '' resulting in a " Total Amount due of {$860.00} '' whereas the lease end vehicle condition report states a " Total Amount due of {$530.00} ''. As such I believe Chase overcharged me at lease end by {$330.00} due to its lacking internal controls at lease end. 

I am issuing this complaint with the ask for Chase to refund of the overcharged amount. 

Kind Regards, XXXX XXXX
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL (AZ)

I had two blue cards in my wallet. Used wrong card today thinking it was a debit card. Instead, it was XXXX 's XXXX credit card issued by XXXX XXXX. When I placed the card in self check out at Walmart, I asked for a {$40.00} cash back, thinking it was my debit card with XXXX. Instead, it kicked out {$100.00} cash to me and paid for the small grocery item. 

When contacting XXXX XXXX today asking to reverse the pending charge on my credit card, by paying the {$100.00} back and manually replacing the mistaken withdrawn cash with an instant payback. They refused to do so and said the only way to pay any cash withdrawal was to first pay off the entire balance. Thus, this {$100.00} cash withdrawal will charge an additional 3 % interest until paid, based on their refusing to manually accept the mistaken cash back within the same hour the transaction took place. I then immediately closed my account with them. 

This isn't my first problem with them. They mistakenly opened multiple accounts and closed accounts in my name over the years, failed to report actual payoff balances after numerous complaints that wrongly showed a balance over my credit limit which has never happened in the life of my account with them. 

Their phone systems are also flawed. Both verbal and type in account information was never recognized. Their online chat also was worthless and misleading. No live person was there and she was in XXXX most likely not understanding a word if she was live. 

I have had enough. I also closed my other account with XXXX XXXX. The abuse by this company has been long and against credit card/consumer laws. A full investigation of their flawed systems should be done immediately. I have lots of debit and credit cards. None abuse me or have abused me like XXXX XXXX. Perhaps the last part of their name tells it all ... .chroney ....
Consumer complaint received 2018-09-19
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: HYUNDAI CAPITAL AMERICA (CA)

I had purchase a vehicles back in XX/XX/2017 and I had know idea that all these hard Inquires will be on my XXXX report. I have wrote many letter asking XXXX to removed all of 11 hard inquires that were listed without me knowing it. When I request my credit reports thats when I saw all of these 11 hard Inquires that I requested XXXX to removed them off.
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I HAD 3 BANK ACCOUNTS WITH CITI BANK ( 1 CHECKING AND 2 SAVINGS ACCOUNTS ) FOR NO REASON AND WITH NO NOTICE THE BANK CHOSE TO CLOSE MY ACCOUNTS I WAS TOLD A CHECK FOR MY BALANCES IN ALL THREE ACCOUNTS WOULD BE ISSUED AND MAILED TO ME WITHIN 30 DAYS AND I HAVE RECEIVED NOTHING I HAVE MADE SEVERAL ATTEMPTS TO CONTACT THE BANK IN REGARDS TO THIS ISSUE AND THEY REPEATEDLY DISCONNECT THE CALL WHEN I ASK FOR FURTHER INFORMATION THEY HAVE ALL MY MONEY I AM NOT ABLE TO PAY MY BILLS I JUST WANT MY BALANCE ISSUES TO ME AS PROMISED. THE TOTAL AMOUNT IS APPROXIMATELY {$14000.00} THEY ARE HOLDING OF MY MONEY I DO NOT HAVE SPECIFIC DETAILS BECAUSE THEY HAVE BLOCKED ME FROM VIEWING ANY INFORMATION ON MY ACCOUNTS
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp (NV)

Back in XX/XX/2015 I was out of town eight hours away from home for work in XXXX, Texas. During this 14 day hitch I happened upon a medical emergency. At the time I realized I did not have my insurance card available. I had mistakenly left my credentials at home. I was treated at the emergency room and then told to call back with my insurance information. Once my hitch was over and immediately after arriving back home I contacted the hospital 's department that handles bill pay. I then submitted my information and then NEVER heard back after following up a few weeks later. At the end of the following month I landed on hard times as I was laid off along with six others in my department due to the crash in the oil and gas market. It was then that I lost my ability to pay for my monthly health care costs. Sometime after this episode this bill was released to collections since I had no way of paying being without employment. This derogatory mark is now weighing heavily on my credit and prohibiting me from getting credit to build my credit report up to a more favorable score.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX. I have also sent copies of debt validation letters to Exquifax XXXX   and XXXX  only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX  has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX  case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

My issue is dealing with my paypal account. My account with them i have a debit card that allows me quick use and withdrawal of my money. I have informed by the irs website that my stimulus payment was direct deposited on XX/XX/2020 to the account number paypal issued me for direct deposit. I have double checked my filing for the irs to make sure i input the numbers correctly and they were 100 percent correct. When i messaged paypal over this issue of where my money could be they said a pending payment wasn't even showing and it must be the irs at fault with wrong information and i would get confirmation when they issued a payment. Well now i have gotten that official confirmation in the mail today from the irs dated for XX/XX/2020 that my payment of {$2400.00} was sent by direct deposit. So officially i don't think the irs is at fault here and i have gotten no answers from paypal what is the problem in receiving this direct deposit that should have been deposited weeks ago. I want my money and i want to be done with paypal this is not the first time i have had issues with them.
Consumer complaint received 2020-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (MI)

To my understanding, when I signed up for an Apple Card in an Apple store, Apple automatically setup the account to be both paperless and to go to the email that is my AppleID. I don't use this email as anything but my Apple ID. That said, I payed off my account for that original purchase of an ipad in late 2019. Then sometime  before XXXX the Apple Card became the default card for itunes/app store payments - it's unclear to me how - maybe automatically when the previous credit card expired? This lead to two unaccounted for app purchases for {$13.00} ( likely my 6yo daughter ) in XXXX not being realized until XXXX. While the Apple Card is supposed to be managed in the mobile device, I got no notifications or warnings or physical mail or phone calls. Only the emails to an email address I don't monitor and don't recall choosing for the account. By then I had two late payments reported and my FICO score dropped 109 points. It's also too late to dispute the app purchases and charges. So I called Apple and they forgave the interest on the 13.72 but said they could not do anything about the late payment reports. The refunded interest  charges were {$0.00}, {$0.00}, {$0.00} and {$0.00}. I'm no lawyer, but it seems to me that two late payment reports on less than {$15.00}, with questionable and lazy business practices to make sure I'm aware as a customer, and get me with two late payment reports and a resulting credit drop of 109 points seems unfair, unwarranted, and  frankly far too punitive. I can obviously handle losing {$13.00} for the apps, but to impact my credit score to that degree and my ability to get a loan to buy a house with enough room to handle two parents  and XXXXyo all working and schooling from home, while parenting another XXXXyo child, in the middle of a pandemic. I'm upset.
Consumer complaint received 2018-09-19
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2018 another person not being me applied for a credit card online to Creditor Name : XXXX XXXX XXXX. I received a letter from the creditor and I was informed that they would take care of the issue and remove the inquiry from all 3 bureaus. 
It has been more than 30 days and the inquiry is still reflecting on my credit report. By the way I was informed from creditor that the person who stole my identity input my information from Florida and I live in California,
Consumer complaint received 2018-09-19
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: EQUIFAX, INC. (GA)

I applied for a credit card with XXXX on XX/XX/2018. I was denied and when I called back to see if they would reconsider the rep advised that they would give it another review with a manager and would NOT pull another credit report since they just recently pulled it. However, on XX/XX/2018 my credit was pulled again without my consent. The second pull should be dropped from my credit report.
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back onXX/XX/2020. requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.