davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

Most credit card issuers do not generate monthly statements ( mail out and paperless ) XXXX ) the account has {$0.00} balance, 2 ) if there are no transactions ( purchase or payment ) on an account in the billing period. This is ok. 

However Citibank started a policy ( XXXX XXXX? ) of not generating a statement ( mail out and paperless ) if there are no purchases on a credit card during the billing period. 
If there are only payment transactions - no statement. 

I recently paid off a credit card ( initial balance of ~ {$6000.00} ) in two payments during a billing period in which there were no purchases. For this billing period and subsequent periods Citi will not issue a statement showing the payment transactions and subsequent {$0.00} balance. 
The payments to pay off the account are also not included in a payment history which is quite troublesome as the account balance is shown to be starting at XXXX $ XXXX and ending at {$0.00}. 

In many regards I think this is not providing the consumer XXXX customer ) with documentation that may be required in future disputes to prove the account was paid off. I use electronic bill pay so I haverecords of my payments to Citi but they refuse to provide a statement with only payment transactions on the account. I use electronic statements so this is not about wasting paper. This policy was adopted by Citi in XXXX XXXX - XXXX XXXX time frame.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background (CA)

Today, XX/XX/2018, is the first time Im contacting the company with a dispute. This is the second background check that Ive done where someone elses name has come up on my report. I do not want my future to be affected by this person that is not me, nor has ever been me. I do not have an alias.
Consumer complaint received 2020-06-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (CT)

My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX. 
Lender.lending club Amount of loan : {$4000.00}. 
Date of loan : XX/XX/2019. 
Total amount paid : {$4800.00}. 
Final payment XXXX. 
I called lending club XXXX XXXX And told them that was my final payment. And they told me thst i still owe over {$1000.00}. 
Please help me.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I recently reached out to the credit bureaus in regards to several fraudulent accounts being reported on my credit file. I completed and submitted an identity theft report which included XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX for some reason still remain on my credit file. I have yet to receive and correspondence or documentation since from XXXX, Equifax, XXXX XXXX, XXXX XXXX XXXX, or XXXX. Report # XXXX also included addresses, names, and inquiries that were never initiated by me as well. Under the Fair Credit Reporting Act neither XXXX, Equifax, or XXXX  has provided accurate verification and should remove the fraudulent accounts immediately. Neither XXXX XXXX XXXX or XXXX XXXX has provided any initial 5 day communication has violates the Fair Debt Collection Practice by continuing to report fraud related accounts.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX XXXX XXXX XXXX, XXXX XXXX   brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX XXXX XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney. Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a racial discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, XXXX XXXX are XXXX. 

I, XXXX XXXX XXXX, consumer and legal owner of XXXX XXXX XXXX have been harassed with threatening letters/correspondence of imprisonment by XXXX XXXX XXXX XXXX, VA if I fail to make payments to the court as well.
Consumer complaint received 2018-06-13
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: JPMORGAN CHASE & CO. (IL)

Back in XX/XX/XXXX I was at XXXX XXXX trying to purchase a car. I completed a loan application and gave XXXX authorization to pull my credit report. I was not aware that XXXX without my consent submitted the application on XX/XX/XXXX to four other banks in hopes that one of them would approve my loan, and in the process each and every bank pulled my credit report causing me to have a hard hit inquiry and affecting my credit report negatively. To many inquiries equal negative credit rating and will stay in my report for two years. I reached out to Chase today, XX/XX/XXXX and was transferred to the Credit Bureau Unit and was told by XXXX that because XXXX sent the application electronically that their procedure is to do a credit check even though they did not have written consent from me to run a credit check. XXXX refused to give me any information so I can submit a written dispute and request a Letter of Deletion. Per XXXX Chase will not request to have the inquiry deleted.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase illegally withdrew : {$120.00} {$35.00} {$20.00} {$20.00} {$10.00} All within minutes of each transaction taking place on XX/XX/2018. 
Coinbase acknowledged the issue but has yet to refund it nor will they refund any of the 5 overdraft fees of {$23.00} each. 
I've tried contacting them by calling, email, XXXX and XXXX. 
This needs to be a class action suit!
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (FL)

Approximately 8 months ago, I requested that all credit bureaus did not sell or release my credit information to credit companies in order for them to solicit my business. 
this complain has 3 parts 1 ) I am still receiving such solicited letters on the mail 2 ) my credit score went considerably down from the XXXX to XXXX after my request was done with the 3 credit agencies, this is troublesome to me, it seems if the credit agencies can not make money out of your credit report, they lower your scores, if this agency takes a look at my credit report history, it will see what I am taking about, credit companies should not be able to do what they please with the credit of citizens, I feel this is an unfair practice, credit reporting agencies have to be fair on reporting everyone 's credit. 

3 ) since I requested for my credit information not to be sold, even though I pay my credit card balances in full every month, instead of the credit agencies reporting a XX/XX/XXXX carrying balance, they are reporting new transactions not paid prior to due date as a non paid balance from the previous month, this is causing damage to my finances.
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (WA)

Upon review of my recent mortgage statement, the loan balance has reached 75 % of the appraised value of my home at the time of purchase, yet PMI was not automatically canceled at 78 % as required by the Homeowners Protection Act. The mortgage statement indicates ongoing payments toward PMI. The appraised value of my home is {$120000.00} ; the loan balance is {$90000.00} ; the debt to appraised home value is 75.4 %. Twelve or more excess PMI payments have been paid since the home value reached the prescribed cutoff threshold of {$93000.00}.

Rather than contact the loan servicer ( Chase Bank ) on this matter, I am reporting this directly to the Bureau for a more detailed review. In my opinion, there is a high probability that this is a systematic problem rather than an individualized one and many, many consumers could potentially benefit from an in-depth review of these billing practices.

My mortgage statement does not show the original appraised value at the time of purchase. Without this information, the casual consumer, such as I have been, could easily and blithely continue paying unnecessary PMI until the Chase system flagged it for automatic termination.
Consumer complaint received 2018-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: D&A Services, LLC (CA)

Credit card balance was paid in full on XX/XX/2017 in amount of {$57000.00}. Company name was XXXX XXXX XXXX XXXX, which is shown on my credit reports. The company name now is D & A Services. I have contacted them to remove negative information but could not.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VT)

I made a number of extra payments to pay off one of my loans in full inXX/XX/2020. These payments were supposed to be allocated specifically to my loan with the smallest balance. Nelnet told me that they were being allocated to the loan that I wanted to pay off. On XX/XX/XXXX, my account showed a XXXX  balance for principle, accrued interest, and capitalized interest as well as showing " Paid in Full by Borrower ''. In XXXX, I noticed that the loan had come back and had a balance showing on the principal. I called back and they said that the payments just needed to be reallocated and it would be taken care of. They sent me a letter showing that the loan was paid in full. I assumed this meant that I didn't need to continue monitoring for that loan. Around XX/XX/XXXX, I noticed that there was a {$42.00} balance showing for the loan that I had already essential closed out twice. I called Nelnet and they said that I owed the {$42.00} and that the letters had been sent in error. I called back twice more and was told that I needed to call back on XX/XX/XXXX and speak to the Account Solutions Team because they were the only department that could really close out the loan that I have paid in full. I called back and requested to speak with the account solutions team. I was instead transferred to a general studentaid.gov phone number and couldn't actually speak to a person. I called back and spoke with a representative who told me I couldn't speak with the Account Solutions Team because they really only deal with refunds. She told me that she would have to file a payment reallocation form and that it would actually work this time. I told her that I had already done this twice and it hasn't worked yet. I just want the loan that I paid off to actually indicate that I have paid it off.
Consumer complaint received 2020-05-10
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 (OH)

the above account does not belong to me nor did I have any knowledge of the account the account was open in result of identity theft sync/ppc  XX/XX/19 {$5500.00} .ive sent copy of the police report to the creditor
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX, XXXX XXXX XXXX XXXX reports my account as a charge-off and updates this balance every month with an open balance of {$520.00} ( having added fees to a credit card that had a limit of {$300.00} ). XXXX lists 39 charge offs, and when I have disputed this MANY times with each credit bureau, XXXX reports to all of the Credit Bureaus that the balance is correct. I thought that charge-offs that have been sold to collections companies are supposed tor reflect a {$0.00} balance, rather than listing an open balance and updating each month. I expressed this to XXXX, which leads me to believe this is intentional illegal activity. 
At the same time, XXXX XXXX, a debt Collection company, reports an open balance of {$580.00} on the same XXXX XXXX, claiming they own the debt. I disputed this account with the credit bureaus after XXXX updated and says the current open balance is correct. 
Fees have been added on to this account by the Original Creditor ( XXXX ) which raised the balance, my account is updated monthly as a charge-off, and the balance is open-as both companies claim to own this debt. 
( What is also strange, is that XXXX reported payments to my account that I do not think I made, thus making the date of delinquency appear " newer '' by a year, in XXXX. ) I believe this reporting by XXXX and XXXX XXXX to be intentional, abusive, and illegal, resulting in the appearance of excessive charge-offs ( listed as a new charge off every month! ) and a higher debt-to-income ratio, as well as the appearance of two defaulted accounts, since both companies refuse to correct my account information and list on my credit report that " account was disputed, but the account information they are reporting is accurate ''. 
This has caused my to have higher interest rates, be rejected for an auto loan and to be considered for a fair interest rate, FOR THREE YEARS. 
This debt cycle is one that is hard to recover from, and Synchrony, which already has very high fees and interest, intentionally has entrapped me FOR THREE YEARS with this illegal reporting. 
I have disputed the fact that two open balances can not be accurate, and nothing changes. I have called both companies to explain, and XXXX representatives say " they have no way of changing this '' and XXXX representatives simply mocked me.
Consumer complaint received 2019-02-18
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: ID Analytics, Inc. (GA)

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Consumer complaint received 2021-04-23
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)

In XXXX of 2020 I became aware that an account with XXXX was reporting on my account in error and notified the credit bureaus. I double checked and both mine and my daughter 's student loans have been completed paid off. Furthermore, I have never had an account with this company nor have I made any payments to them - but it is being reported that on time payments are made. This must be a mixup but this credit bureau has ignored every attempt I have made to correct my file.
Consumer complaint received 2020-08-19
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. (GA)

I am filing this complaint against XXXX  Credit. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX XXXXepresenting XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXX  Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX  Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I CURRENTLY HAVE A CREDIT CARD WITH XXXX XXXX XXXX ; ON XX/XX/XXXX I PURCHASED A GENERATOR WHICH WAS SUPPOSED TO BE ON A '12MONTH PROMOTION ; ' AS IN NO INTEREST WHILE MAKING PAYMENTS. 
HOWEVER I HAVE NOTICED ON MY CURRENT STATEMENT, AND UPON CALLING THE 'ACCOUNT INQUIRY ' PHONE NUMBER:XXXX-XXXX-XXXX ; I WAS TOLD THAT THE 'ACCOUNT BALANCE ' OF {$1400.00} ( STATEMENT DATE XX/XX/XXXX ) INCLUDES THE {$1100.00} BALANCE OF THE GENERATOR PURCHASE.THE 'CUSTOMER SERVICE REP ' THEN EXPLAINED THAT " WE MUST CARRY THE FULL ACCOUNT BALANCE ON YOUR ACCOUNT.???? ' WHICH I FIND TOTALLY UNACCEPTABLE. IN THAT EVENT, IM PAYING INTEREST ON THE 'TOTAL BALANCE ' AND NOT ON THE 'SUPPOSED TO BE SEPERATE ' GENERATOR PURCHASE. 
I HAVE HAD 'NO INTEREST ' PURCHASES IN THE PAST WITH A NY APPLIANCE CHAIN : XXXX XXXX ; IN WHICH THEY ALWAYS LISTED THE 'DEFERRED PURCHASES ' AND I THEN HAD THE OPTION OF PAYING THAT 'DEFERRAL ' SEPERATELY. IN THIS INSTANCE THAT IS NOT THE CASE. THEREFORE I REQUEST THAT 'TRACTOR SUPPLY ' BE MADE TO CONFORM TO THE PROPER ACCOUNTING PROCEDURES ; IM SURE IM NOT THE ONLY CONSUMER THAT HAS BEEN VICTIMIZED BY THIS FALSITY ; MY ACCOUNT # IS:XXXX
Consumer complaint received 2018-06-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (NC)

I purchased a vehicle back in XX/XX/XXXX and paid it off in XX/XX/XXXX by this time my transmission went out on the vehicle and they called stating I owed more money which I didnt so they still had the title I told them that they werent getting another dime so since the transmission was gone I told them to come and get the vehicle which they did not so now Im stuck with this on my credit and it is impacting my credit score I want this removed immediately they have sold the supposedly debt to a collection agency which was removed westlake financial is the worst
Consumer complaint received 2020-06-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (MD)

XXXX University ( XXXX ) XXXX TRUE EOS XXXX XXXX XXXX ( XXXX ) XXXX SCAMMER I have a debt with XXXX University and the rep XXXX XXXX stated that they did not sell my debt to anyone. However, a company called EOS and XXXX XXXX lied in order to collect financial information from me.