davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
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: CITIBANK, N.A. (KY)

XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX asked me to push XXXX transactions mentioning its just a temporary hold and the transaction will disappear from statement within 3-5 months. 

It never did and that man stole {$1600.00} from my account. Followed up back on cell phone XXXX XXXX XXXX XXXX says the bank can chargeback and claims that their employee have stole consumer information to further steal money from various people. 

I have opened several cases with Citibank to chargeback but no updates when called, no one chats online, no one gives correct information on call, usually they say they escalated but no response, case is closed usually before receiving the required documents supporting my case. 

Citibank is not giving the investigation papers used in investigation.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX erroneously reported a late payment on my credit report. This has significantly impacted my life. I am unable to get approved for a mortgage. XXXX XXXX has refused to remove off my credit after several disputes and complaints to the creditor and credit bureaus. They customer service I received regarding this matter was very rude and demeaning. I would never recommend this loan company. They falsely report information that affects a customers ability to obtain credit elsewhere. I would like the sirurisriin to be rectified by XXXX XXXX removing the false report of a late payment off my report immediately. I have supporting documentation that states I have paid on time each month. My payments are automatically drafted each month.
Consumer complaint received 2020-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I tried reporting fraudulent accounts on my XXXX  and equifax report. I have I sent in my FTC affidavit, my id and ss # and and fraudulent inquiries. The company has not investigate my claim and claim they don't have any of my information. I also sent a claim from cfpb website and the company responded that I wasn't the person submitting the claim.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY ()

When COVID happened, WF had a link on their website to what " appeared to inquire '' about the temp bailout of 3 months that was available. My husband said what appeared to be information purposes only, he clicked on the link to get more information and thought XXXX, we were enrolled. He was quite alarmed. The following day I called the WF XXXX Branch to discuss this - they accessed my account and assured me that I would have to have a conversation and be approved for the program and that you could just not enroll online. They said not to worry about anything that conversations have to be made. I stated WE DO NOT WANT TO BE IN THE PROGRAM we inquired about it by clicking a link. By doing this, they shoved us into a modification loan that we did NOT ASK FOR. In fact, we have auto pay and have never missed a payment and continue to make our payments. When I spoke to the rep today that disrupted our dinner telling us that our suspension ends soon I was ALARMED. I told them we have never missed a payment and we never asked to be signed up or requested the modification loan. After 48 minutes on hold, they transferred me into a dept that said I was at the highest level I could be at and that it showed I enrolled. I want IMMEDIATE correction to this. We never asked for this and just because a consumer inquires doesn't mean you have the right to shove us into a program that has long term effects. I demand this to be corrected. We have never missed a payment, this XXXX me off WF. Is it your way to avoid refinancing thousands of customers while rates are low to state I entered into a modification program when I didn't. I DIDNT AND I WANT THIS CORRECTED.
Consumer complaint received 2022-10-04
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. (SC)

In accordance with the Fair Credit Reporting act Department of EducationXXXX Acct # XXXX XXXX XXXX  Acct XXXX  XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXXt Acct XXXX  they could not provide one XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Acct 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I was a resident of the XXXX from XX/XX/XXXX until XXXX of XXXX. My lease was up. I was looking to purchase a home, which I did. The XXXX consistently falsified information to the lender in order to keep me from getting my home. I left the XXXX with the last month paid and was closing on my home. I never heard from the XXXX. then in XX/XX/XXXX procollect began reporting on my credit that I owed a debt to the XXXX. I contacted procellect and explained that the FCRA prevented any company from placing any negitive item on my credit more than 180 days after the delinquency. Pro collect was attempting to collect from a closed account from 365 days prior, by this time I had discarded any receipts, I only keep for six months. I spoke to pro collect and let them know that they were in violation of the FCRA " ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' they had no regard for the law and continued to bager me with insults " you shoulda paid your debts i dont know whats wrong with you " which can be heard on the recorded call XX/XX/XXXX around XXXX ish.
Consumer complaint received 2018-06-25
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES (FL)

It seem ike Great Lakes Higher Education violated The Fair Debt Collection Practices Act 809. Validation of debts [ 15 USC 1692g ] by not provide me with name and address of the original creditor.

The FDCPA, specifically, subsection 809 which reads : 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

It seem like Great Lakes Higher Education is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Great Lakes Higher Education claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that XXXX being discriminated against me because I'm a XXXX male. 

I am asking Great Lakes Higher Education have you seen the original promissory note? What name and address of the original creditor?
Consumer complaint received 2018-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

I purchased Ethereum from Coinbase on XX/XX/XXXX for {$200.00}, Litecoin on XX/XX/XXXX for {$150.00}, and Bitcoin on XX/XX/XXXX for {$210.00}. My Coinbase account was credited for these transactions. Then on XX/XX/XXXX, the transactions were reprocessed through my bank account. I disputed these charges with my bank because I did not make them. No additional cryptocurrency was credited to my Coinbase account for the false charges. The charges were refunded to my bank account. On XX/XX/XXXX, Coinbase removed {$570.00} worth of cryptocurrency from my Coinbase account. I have emailed them many times and created numerous support tickets to no avail. Coinbase will not credit my account or issue me a refund for the {$570.00} in cryptocurrency they removed from my account. Their customer service is mostly email bots that can not assist consumers with their actual issues. Their customer service is non-exsistent.
Consumer complaint received 2020-08-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (WA)

In XXXX, we applied for and received a home equity loan on a second home we built for {$250000.00} from CitiMortgage. 
In XXXX, we filed personal and business bankruptcy and had some struggles paying the second mortgage, In XXXX, we negotiated a settlement with CitiMortgage. The settlement was to reduce the loan amount from {$250000.00} to {$60000.00}. We received only a letter ( attached ) for the settlement. We have never received any terms or conditions. Over the course of the years since XXXX, we have missed some payments. 
We have asked for statements and none have been provided. 
We called them last year to learn of the payoff amount and it was provided with no indication of any issue. 
We are in the process of selling this home and called CitiMortgage and were told the payoff amount and then were told that the settlement offer was null and void. We have never received any notification of this action on the settlement. 
I do not understand how they can just say it is null and void with no notice at all??? 
I am attaching our original offer, their offer letter back to us ( XX/XX/XXXX ), a recent letter we sent regarding this issue, their letter back to us stating our offer was insufficient
Consumer complaint received 2020-07-02
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 (CA)

On XX/XX/2020 I made a purchase for a 'open box ' XXXX XXXX XXXX Watch for {$140.00} through XXXX. According the XXXX 's policy and description definitions an 'open box ' item is described as : " An item in excellent, new condition with no wear. The item may be missing the original packaging or protective wrapping, or may be in the original packaging but not sealed. The item includes original accessories. The item may be a factory second. See the seller 's listing for full details and description. '' However, when I received the watch, it was clearly used and covered in scratches all over the body, and did not even come with original accessories. I immediately requested a refund through XXXX, but accidentally closed the dispute. So I reached out to XXXX customer support and the seller. XXXX simply told me that because I had closed the return request there was nothing that they could do. The seller openly admitted that the product was not as described and mistakenly listed it as 'open box ' when it should have been listed as 'used ' and offered to fully refund me if I return the item. I asked for further instructions on how I would return the item, but the seller had stopped responding to my messages. Next, I contacted XXXX, but because of COVID-19 their offices were closed and could not escalate my issue and recommended that I dispute with my credit card. I then opened a dispute with Discover credit card and after 2 months they tell me that because the merchant is willing to accept a return they can not continue with a dispute and that the transaction is valid. I argue that I am willing to return, but the seller is not providing me with any means to return. I asked that the dispute be reopened, so that they can request proof from the seller if he has tried to initiate a return with me, but they refused. DiscoveXXXX is allowing scammers to prey on unsuspecting victims with falsely advertised products through their loose policies and loopholes.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

There's a due process system which this country title court proceedings in this case. However the courtsystem in XXXX; hasn't been  just Or fair for all persons. Kia motors and Hyundai are two separate entities. My contract is only binding to Kia Motors and no others. XXXX XXXX XXXX still remains within the parameters of her contract with Kia.... The vehicle defectiveness and maintenance problem should be repaired by Kia Motors in XXXX.1) due to warranty obligations2) because that's the contract enter in3) all complaints hasn't been repaired4) retaliation due to the complaints do not justify the removal of the vehicle from the XXXX parking lot unjustly. XXXX XXXX   and XXXX XXXX aren't representative of Kia.  No default has occurred since the purchase. Why do we have unauthorized personnel driving the vehicle; has it been repurchase since XX/XX/2019? No; if yes then I do not have any further obligation to Kia or the vehicle. As veteran and retiree I reserve the right to express and voice consumer issues as they pertain to safety, effectiveness and efficiency !!!Consumer problem with maintenance and high attention to detail.. Still under maintenance contract...The vehicle still has not work to my expectation especially as a brand new purchase.
Consumer complaint received 2020-05-12
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. (FL)

XXXX account is paid and closed but is still reporting on my credit report. 
I asked all three of the credit reporting agencies to remove this account since it impacting my score negatively. However they have yet to even look into this situation accurately. 

account XXXX paid closed
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-02
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. (TX)

FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
Dec 16, 2016 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
EECU {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser EECU BBVA USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX  XXXX Nature of Suit  : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Amer Koorndyk v. Bank of America , N.A. et al ( XXXX ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Happy Money, Inc. (UT)

Payoff.com has adversely impacted my personal credit through predatory credit lending practices. I applied for a credit card consolidation loan and was given a rate of 9.99 % APR. A few days later, I was told that my application was completed and that I just needed to accept the loan. There was no mention of my rate increasing in their communications with me however when I looked at the fine print, my APR had increased to 11.99 %. When I brought this to the attention of their customer support, I was told that is a normal occurrence and credit rates are complex calculations. I did not accept the loan for a week to reevaluate my options given the change in rate. When I went back to their website, my APR had increased another 2 % to 13.99 %. Both of these increases had occurred in less than 2 weeks. I asked customer support why my rate increased and was told a very similar answer. I authorized Payoff.com to perform a hard inquiry because of false information that they provided me with. This has lowered my credit score and made it more expensive to attain the loan I am seeking. They claim to help people get out of debt but I am now in a worse situation because of false information that they provided.
Consumer complaint received 2018-06-25
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. (TX)

My CitiBank MasterCard expires on XX/XX/XXXX. On XX/XX/XXXX, I was informed they will not renew it due to as stated in their email 'bankruptcy or a charge-off on another credit card account issued by Citi '. I had many phone and online chat conversations with customer service. The first time I had a conversation, they advised me to send a cover letter and copies of my credit scores to their Dispute Center. I faxed those documents on Monday XX/XX/XXXX. I received confirmation that the fax was received. And the last customer service rep I spoke to on the phone said they have those documents but still says the reason for their decision was the XXXX Credit Report. I have great credit scores and a great XXXX and XXXX Credit Report. Each shows only one 30 day late payment in XX/XX/XXXX. I have an excellent payment history with the CitiBank Mastercard. I have repeatedly requested CitiBank to send me specific detail on their reason for this decision. They do not grant that request and tell me it was based on my XXXX Credit Report. I pulled that credit report on XX/XX/XXXX. Again, only maybe-negative item was one 30 day late payment in XX/XX/XXXX. No other late payments in the last 3 years. No charge offs are recorded in on the XXXX credit report for the last 3 years. I just spoke with the Global Consumer Credit Division of XXXX and they confirmed I have excellent credit history, only one late payment in XX/XX/XXXX, no charge-offs and don't understand why CitiBank has taken this action. This is a serious matter. This action is noted on my credit report, stays on my credit report for many years and has a very damaging affect on my ability to get credit if needed. I need help and CitiBank is not providing the help or cooperation.