davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MN)

I have been sending disputes to all XXXX credit bureaus for the past 4 months regarding this issue. Citi has been harassing me and my family regarding an account that is not mine. They are saying that I owe them {$3000.00} and they are reporting this on my credit report without my permission. When I sent them the police report and identity theft affidavit they ignored them and sent me none of the information I requested in order to validate this charge. If they do not stop contacting me and do not stop reporting this fraudulent information I will be contacting my attorney and filing a lawsuit for defamation.
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I was double charged for {$150.00} in XXXX or XXXX XXXX on the Www.macys.com with my Macy 's card. I bought a dress and then noticed I was double charged and the same dress was mailed to some random address in West Virginia or somewhere. I have called Macy 's at Least 8 times in as many months and I have been charged interest, refunded interest charged a late fee, refunded the fee. I am at my wits end. It is still on my account as a disputed charge as of XXXX/XXXX/XXXX! I have written letters, and now I am turning to you
Consumer complaint received 2016-06-02
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Nelson and Kennard (CA)

Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.
Consumer complaint received 2023-02-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 Section 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Cardmember services notified me by a letter dated XX/XX/2016 that my Chase Amazon.com Rewards Visa account would close when my card expires XX/XX/2016. I have excellent credit and have a XXXX balance on the card. I have not used the card for years, however, that should not be a valid reason for closing an account due to the negative impact it will have on my credit score. I spoke with a supervisor at Chase and they declined my request to keep the account open.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (PA)

I have not been receiving notices. I have sent in paperwork fromthe doctors because im XXXX XXXX. Im on XXXX. When i was getting voice mails I was in contact with any agency that contacted me and each time without fail It was we have no record of getting a doctors note concerning you. After a bit of searching with a few respresentatives that took the time to look deep into wherever they looked one was found. my account was put in deferment. I kept getting calls and I kept calling and explaining. The next set of calls I have been receiving are for student loan forgiveness. then I call them back and I got we cant help you. I get the message I qualify but still cant get the help I need. Im confused and frustarted
Consumer complaint received 2016-12-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (LA)

I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WESTSTAR MORTGAGE CORPORATION (AK)

West Star Mortgage Company did not correctly apply my payment they received and will not correct the problem. I 've supplied West Star a copy of the cashed money order verifying that they deposited the money. They wrote me a letter stating that they will not correct the problem with out the wrong lender whom they have paid returning the money.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bepensa Capital, Inc. (IN)

I received a car loan from AFS corporation on XX/XX/XXXX. I have been paying on loan regularly and on time. The monthly payments were around XXXX dollars a month. I paid almost XXXX dollars into the vehicle until, I lost my job XX/XX/XXXX in which I was with for over five years. I have been reaching out to the finance company in which I thought would be their for me. I was wrong, I tried borrowing the money I could not get any help due to my family members having it hard themselves. XX/XX/XXXX the vehicle was gone it was repossessed. I knew they would come and get it soon, but they took it like a thief in the night. I would have given them the keys, if they would have rung the door bell, because of the non payment. I had items in the vehicle in which the company never returned. I started receiving phone calls from my representation whom was XXXX XXXX then it was given to another individual by the name of XXXX XXXX. I was looking for a job everyday nothing, I even filed for unemployment in which, i received but found out I owed a over payment and that money, I was goingXXXX to receive was being paid towards that amount of XXXX dollars. I loved and worked hard for this vehicle to loss it. So after speaking with XXXX for a while it was then transferred over to XXXX XXXX whom I spoke with on a continuous basis. I even filed a complaint with the XXXX and we can to an agreement of {$3000.00} XXXX XXXX even agreed to it on the phone my boyfriend even heard him say it and after he agreed he hung up after hearing my boyfriend voice on the phone, he thought we were the only ones on the phone, I needed proof form another party. I later received an agreement settlement for {$6000.00} in which I never agreed upon so the XXXX closed the case. The vehicle was later sold at an auction, in which I was never informed of the auction date, time, or location. They never gave me the option of getting the vehicle back. I received a letter stating I owe XXXX dollars? How is that possible when I paid that much into the vehicle, time passed and nothing was said it only showed charge off on my credit report. I started cleaning up my credit report in which I hired a company to do, then I received a letter from XXXX XXXX XXXX a firm in XXXX, XXXX whom is representing AFS in XXXX, XXXX they file a summons against me. I was hurt and disappointed that this company received all this money and now this they are so dishonest. I responded to the summons but it was to the XXXX and XXXX I did not read full document. I was to respond to the court, after speaking with a lawyer, I responded to the court now am waiting on response. I have documentation from XXXX and the company. I may owe something but not XXXX dollars the loan amountt was only XXXX this make me feel humiliated knowing this company is lying against me. I just want to pay the different and move forward and that difference is not XXXX dollars. I need help please
Consumer complaint received 2016-09-27
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Recovery Partners, LLC (CA)

XXXX accident occurred on XXXX XXXX, XXXX in or near XXXX XXXX, California between a car owned by me and another car. I have received correspondence from Recovery Partners , LLC claiming unverified damages and stating that if damages are left unpaid, a drivers license suspension request against me will be sent to the California DMV as allowable by law. 

To resolve this claim I have sent three letters ( 2 of them are attached to this complaint. I was unable to attach my first letter to them dated XXXX XXXX, XXXX which was in response to their original collection letter of XXXX XXXX, XXXX ) requesting verification to justify damages due to the accident by providing dated, detailed receipts for medical and a copy of the traffic accident report. After three letters Recovery Partners has not provided me with any dated, detailed receipts from a doctor or hospital nor have they provided a traffic accident report. 

I notified Recovery Partners LLC that until they provided me with detailed receipts that justified the damages, all communication and efforts to collect this debt must cease per Federal law. Recovery Partners continued communication with me including stating they will request a drivers license suspension against me from the DMV as allowable by law.
Consumer complaint received 2021-10-02
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. (NJ)

I contacted Equifax about an Inquiry on my account from XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they wont remove these fraudulent things from my credit report. I had to even go as far as to FIle an FTC report.
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

This complaint is against CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX miles. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the beginning of XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending long time waiting and explaining, I was told that she needed to confirm some information and let me know later. However, I never received a call from anybody from Citibank for this. The only thing I know is, Citibank charged me {$30.00} per month so I was charged total {$90.00} in these 3 months. I sent a few bank security messages for this matter. I finally received an answer, which I believed it is an excuse. The promo was offered to targeted customers while I was n't. This is not acceptable. If this offer was for targeted customers, why did CitiBank put it on their website. Why did my application pass through their review following the link? This was an unpleasant experience. I asked them to close my account instantly, meanwhile, warned to file a complaint to CFPB. My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

I disputed this account numerous to time to no avail. Experian has not sent me information stating how they verified that this account is mine. I called and they said the company had send them verification which is my name, date of birth, and address. They have not properly investigated this account. I disputed the account XXXX more time on XXXX XXXX, 2015 and I just pilled my credit report and it states : this item was updated from our processing of our your dispute in XXXX 2015. I disputed this account on XXXX XXXX, 2015 and today is XXXX XXXX at XXXX. How can they claim the response came from a dispute in XXXX and give me such a fast response. I believe experian did not do a full investigation on my dispute.
Consumer complaint received 2015-09-01
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (MI)

A Citi bank debit card was issued in the amount of {$66.00}, from XXXX due to a battery leak in XXXX of our electronic devices. The card had an expiration date of XXXX and was not used. 

We called to have the card reissued, but were told by Citi Bank they would not reissue the card, because it fell outside of 180 days of their reissue policies. 

We then explained that per the XX/XX/XXXX Credit Card Act that all prepaid Visa and MasterCard 's have a 5 year protection via the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX that was passed into federal law. 

XXXXWe asked for an escalation, but were told the exact same thing by another representative, which brought us here to your site and services. 

If Citi Bank is exempt from this particular piece of legislation then we would like in writing why they are. Please have them state, in writing, per the XX/XX/XXXX CCA, the exact clauses that allow them to not comply with the 5 year federal expiration timeline.
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX I have submitted a request for over two years to remove the above accounts off my credit report with Experian & XXXX advised them to validate the account as I have no knowledge of the XXXX accounts. 

It was removed from XXXX but still remains on experian and XXXX
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I obtained my credit report and discovered multiple errors. I send a letter to Experian stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XXXX and it was signed for on XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XXXX and it was signed for on XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XXXX and it was signed for on XXXX. I called Experian and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

Equifax is reporting XXXX XXXX as an open delinquent account. This account should be closed and current. This account was paid off 5 years ago. Also Equifax is reporting XXXX XXXX as open past due. This account is also paid off. I have attached a copy of XXXX report that shows XXXX XXXX as closed current and Equifax report showing open delinquent. Please have Equifax to update their information on these XXXX accounts to report correctly. It is sad that this company ca n't seem to report anything right.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MoneyLion Inc. (AZ)

I signed a agreement to with draw funds from my account on the XXXX of the month and the last business day of the month everything was going just fine till XX/XX/XXXX where they started pulling money early. They said they escalate it to get fixed then today XX/XX/XXXX they did it again. Called them and they said there system does not know what the last day of the month is. So it just pulls some time between the XXXX and XXXX thats not what i autherized. they never warned me of this or advised me they were pulling money early they just did it
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Walmart credit card under the impression that I was to receive a {$25.00} credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my {$25.00} would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the {$25.00} credit. I alo asked the Walmart associate over the phone if I were to cancel this card would it affect my credit score which he said it would. I feel like the employyes and Walmart should better inform costumers when applying for this credit card. I want to cancel the card but do n't want my credit score to being negatively affected.
Consumer complaint received 2016-03-21
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

On XXXX/XXXX/2016 I spoke with a representative who stated that she was going to send the police out to my home, and they told me that I had a class 2 Felony. The representative was yelling and telling me the only way to fix this would be through bankruptcy. They did not start the conversation with say this is an attempt to collect a debt. At first they did n't want to tell me what the debt was for. Then they continued to call me a after I got off the phone with them. I start to receive phone e call from restricted numbers.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I recently checked my credit report, and I have a new inquiry on my credit from XXXX. I DID NOT apply for this. I have previously been a victim of identity theft, and I 'm supposed to have fraud alerts on file with all the credit bureaus. I wo n't this removed. I 've worked hard to recover from previous fraud, and I feel like its happening all over again.
Consumer complaint received 2015-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (LA)

XXXX XXXX, XXXX XXXX XXXX report of negative information about a 2008 loan That was paid and account closed. They continue to report it in collections/charged-off XXXX of XXXX even pulled my Credit Report this month without my consent. It has ruined my credit to the point I have not been able to buy a car, home or rent an apt in my name. It is all very damaging and extremely unfair. I work hard and always pay my bills and taxes. Do companies have a right to put me in this kind of hardship causing me to be considered a credit risk?
Consumer complaint received 2016-06-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (SC)

I had gotten a loan from Castle Payday and paid it back on the agreed upon date. Then, I took out a second loan with them a few months later for the same amount. As I was going through the verification, the rep confirmed the date it would be paid back, with the agreed upon interest. Then, she told me if I preferred, I could make weekly payments instead of the lump sum I agreed to. She neglected to inform me that if I chose to do that, all the payments would go to interest only and none would be applied to the principle. When I made what was I thought the last payment and called in to confirm that, I was told that I had been making interest-only payments and that I still owed the full amount on the principle. I refused to pay anymore as I felt as though I had been scammed and I had paid what I originally agreed to. Now it 's in collections and they have threatened me that I would be prosecuted for defrauding a financial institution. This company has several things on my credit that I feel are inaccurate and I do n't know what to do now.