davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MN)

In XXXX I opened a Citi Double Points credit card. XXXX. On XX/XX/XXXX. I received an email from Citi Double Cash Card offering 25 % more cashback if I opened a Citi Accelerate Savings Account. I contacted City and open City Accelerate XXXX Account. XXXX. I contacted City and they were supposed to link my new Accelerate Savings account to my City Double Points account. That never happened. I never received the 25 % bonus. I contacted Citi and was unable to reach anyone, they kept referring me to different departments until I was hung up on. After receiving my XXXX statement, I again tried today, XX/XX/XXXX to contact Citi as I have still not received my bonus cashback. Today, I again I started with their messaging service only to be referred to the different chat people in the messaging program and was ultimately told they could not help me, but to call " One Stop Sales Unit '' at XXXX, which I called, as they could not contact me directly. It was extremely difficult to get out of the automated call system but I was ultimately able to speak to a representative. The representative told me that she could not help me because it was a credit card number. I asked to talk to the supervisor so that I could explain the problem as the credit card division told me to call them. In that process, I was hung up on. I tried to call the number on the back of the credit card in hopes that I could reach someone, but that program only dealt with changing reservations. ( Apparently, If I had lost my card, which I have not, I would not know who to call or contact, as the number does not work for lost cards or issues with one 's account. ) Please help me get my additional cashback bonus. I am sure that others are having the same problem.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Comerica (IA)

Comerica/Direct Express says a replacement card was mailed but it has not come. 
We have tried for 5 days, all hours if the day and night, to reach their customer service but literally no one ever answers.
Consumer complaint received 2020-05-18
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. (MI)

On XX/XX/2020, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX pulled a unauthorized credit/hard inquiry on my Equifax report confirmation number XXXX.When I discovered it I immediately disputed this Unauthorized hard inquiry.I never asked this company or gave permission to pull my credit.This is FRAUD.When I got the Dispute results back from Equifax, it says, Please contact the creditor, with a address but no phone number.Well i tried looking up this company only to discover that this company has pulled unauthorized credit pulls on lots of people.There is a forum online with the same problem.Equifax also said in results '' Inquiries are a factual record of file access '' which means that Equifax DID NOT investigate it.If they investigate my dispute, they will see that this inquiry is Unauthorized and Fraud.Because of Equifax not doing there job, it has caused my credit score to decrease on this unathorized inquiry.I have a right under the credit laws to have a dispute fully investigated.Therefore, Im demanding Equifax to reinvestigate my dispute to the fullest.I did file a FTC Fraud complaint on XX/XX/2020. 


" Inquiries are a factual record of file access but they are still " any '' item. They have to reinvestigate " any '' disputed item at your request. Futhermore, the collector or creditor must certify a permissiple purpose for an inquiry. This certification is part of the factual record ''.
Consumer complaint received 2020-05-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ULRS, Inc. (CA)

Since early XX/XX/2020. United Legal Group has been contacting me everyday, they are calling my extended family members my mothers and XXXX brothers. I dont know how they got their contact information, I never gave anyone their numbers. I have asked them to stop calling me since I have a loss of income due to the coronavirus pandemic. They have noted to me that they dont care of the pandemic and I still have to pay. They have told me that they can garnish my wages and seize my property by taking me to court if I dont pay. I have asked them multiple times if they can contact me in XXXX when I may have a job and circumstances are more better for me to pay for at the moment I have no income. I dont have any money to even pay my own bills, I feel harassed my this credit company, they have even yelled at me and are very condescending. I feel afraid if I get a job after the pandemic is over that they will take my wages, Im afraid to pick up my phone for fear Im going to be harassed by them.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED  XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-10-22
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

They first left me a voicemail saying that if I do not respond in a certain amount of time they will try to locate me. They threatened to call my current employer to find me. They also called my husband stating the exact same thing. I called them back ( XXXX ) and they said they were " compliant mediation '' of some sort tried to guilt trip me and ask me questions like " you did not plan on paying it back didn't you? ''. They say I am being sued by XXXX county and that they will come find me. I have not received any notice by mail that they are doing so.
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED MORTGAGE CORP (CA)

United Mortgage Corp. sent me a letter about my tax bill dated in XXXX, but I didnt receive it until the end of XXXX. I contacted the company on the XXXX of XXXX and was asked to email them my tax bill. I emailed them my tax bill and told them the XXXX payment was not paid and XXXX payment was going to be late on the XXXX of XXXX if not paid. The lady told me that since it was already delinquent that they would pay it right away. I waited for a week or so and checked my tax bill and it hadnt been paid yet so I called the company again and they escalated it this time saying it would be taken care by the XXXX of XXXX. I checked my tax bill again today and it still hasnt been paid. I contacted the company again and they said that they were going to escalated it again and follow up with it this time. They then told me that it could take up to another week for the bill to be paid because they have to over night them a check that they could not wire the money for the tax bill. I have almost XXXX dollars in my escrow account to pay my property tax bill and my homeowners insurance. My tax bill is over XXXX dollars now because of late penalties occurred due to being late. I just want them to pay my tax bill like they are supposed to. That is why I have the escrow account.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (NC)

I have sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.
Consumer complaint received 2020-09-03
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: DISCOVER BANK (FL)

During Covid i have been out of work from XX/XX/2020 still until now husband caught XXXX from work and every family member got sick we all are not working. 
I check my credit report and i have XXXX late payments on my credit file. all during covid ihave had my credit go from XXXX to a XXXX. I wrote all the companies telling them im not working due to underlying medical conditions and XXXX XXXX XXXX XXXX XXXX with XXXX, its a high risk position so i have been out. XXXX XXXX -- reported me 13 times late XXXX XXXX -- reported 7 times late, XXXX XXXX XXXX -- - reported me 21 times late, XXXX  XXXX credit limit XXXX XXXX -- reported 16 times late, XXXX XXXX XXXX -- reported 10 times late, XXXX XXXX XXXX reported 4 times late, XXXX   XXXX  XXXX -- -reported 10 times late, XXXX XXXX  XXXX XXXX- -reported 8 times late, XXXX XXXX XXXX -- -reported 15 times late and possible could be the same accounts reported duplicates. I have 101 late payments and this is preventing me for getting any help. SBA just  denied me by this information from XXXX, XXXX  and XXXX. All these compnies need to remove every late fee from XX/XX/2020 until Now. The president signed into effect the cares act and i can not get any assistamce due to my credit report entries of 101 late payments by companies listed above.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

This account was opened fraudulent. I reported to police department and I sent a copy of the report to all credit agencies. The account was removed and I received a letter indicating it didn't belong to me and I was not responsible. The account was placed back on XXXX.
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (WI)

Dear Sir or Madam : I am writing to dispute the following information in my file ( files received from XXXX ). I have circled the items I dispute on the attached copy of the report I received. 

This item disputed is inaccurate because I have documentations of a reported phone call to Ditech in XXXX ( before the bankruptcy and closing of the company which occurred XX/XX/XXXX ) attempting to make payment. In reported phone conversation we had spoken on how our payment was not being accepted through our normal transfer. They then confidently proceeded to insist that they could no longer take our payments and we had to wait until the arrival of our new company by mail to pay for our current bill. With being falsely informed of this, they reported no contact from us and credited us for a 30 day late payment. In attached file it explains that we were not only credited once for a late 30 day payment but also on the following month. We had then contacted both Ditech ( who we were no longer in business with ) and XXXX ( our new provider as of XXXX ). XXXX had no documentation of a late payment and also included their policy of transferring to their business that they were not allowed to credit any late payments the first 60 days to comply to our adjustment of a new company. Ditech was not as compliant and due to their business being shut down, we are not able to reach any provider. Being wrongfully document for a late payment we did everything to have the Ditech resolve the issue but because they cant comply we had to further our complaint. I am requesting that the item be removed to correct the information. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (FL)

I opened a credit card with Elan Financial in XX/XX/XXXX because of the advertised 2 % cash back on all purchases. Within weeks they cancelled it and refuse to pay the advertised 2 % cash back. They are presently in violation of civil code XXXX and they also failed and refused to send written notice of the cancellation. 

On XX/XX/XXXX I received a letter ( dated XX/XX/XXXX ) indicating that Elan Financial " believe that you have fallen victim to a credit card scam '' and thus the account has been closed to any further activity. 
That day ( XX/XX/XXXX ) I called and indicated that there was no fraud, I was not scammed, and I would like my account reactivated. They said it would be reviewed and I would be called with the result. 
I received no further contact on the issue. 

I did subsequently receive two things : A statement dated XXXX which I paid in full. 
A letter ( received XX/XX/XXXX ) indicating that I should call to activate my card. 
I called ( on XX/XX/XXXX ) and over the course of several torturous hours I was informed of the following : On XX/XX/XXXX the account was reviewed and based on the pattern of spending Elan Financial chose to cancel the account. That decision is final. Furthermore, cash back will not be paid on a closed account. 
They do not believe that they need to provide written notice of cancellation and they do not believe they have to honor their 2 % cash back offer. 

I pointed out that this violates California Civil Code - CIV 1747.85 which states : Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so Now, their original XX/XX/XXXX account suspension for fraud is consistent with XXXX. 
However! There was no fraud and the subsequent cancellation on XX/XX/XXXX for the pattern of spending is in violation of XXXX. 

Simply put : They have cancelled my card for nebulous and specious reasons which they refuse to put in writing. They will not even put the existence of the XX/XX/XXXX cancellation in writing. Finally, they refuse to pay the 2 % cash back that induced me to open the card in the first place. 


Their argument : Elan Financial can close the account immediately without written notice regardless of cause. As soon as the cancellation decision was made on XX/XX/XXXX, all unpaid cash back became null and void. 
My argument : They can not close my account until 30 days after written notice of the XX/XX/XXXX decision per XXXX. Within that 30 days, I may withdraw my cash back and that is what I am seeking. My 2 %. 

Note : Please distinguish between the XX/XX/XXXX suspension for fraud and the XX/XX/XXXX cancellation for pattern of spending. One is legal but irrelevant. The other is a gross violation of XXXX.
Consumer complaint received 2020-05-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV INC. (WA)

They are claiming that I have a debt with XXXX and them .... I called to confirm that I have NO debt with XXXX and they are harassing my family and i to pay them money that we do not owe.
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

In 2017 I went in person to an XXXX XXXX XXXX store to close my month to month account and I paid off the remaining balance, I was told that my account was now closed. My service at home was off and I joined a new internet, phone and cable company since. 

Now my credit is being hurt by 3 collections with different account numbers stating that original creditor is XXXX XXXX XXXX. I never received any notifications from this collection company, and when I called, now that I saw them in my credit report, I was was told that they had an incorrect address on file. My credit is being damaged by these charges for a service I never received.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$2000.00}
Consumer complaint received 2020-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information
Consumer complaint received 2020-11-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc (TX)

I received a call to my job from a gentlemen saying he is from XXXX XXXX - i was unable to find the authenticity of this company. They gave me the number XXXX XXXX XXXX to call and reference claim number XXXX. When i called the company says they are XXXX XXXX - again i try to find this company but find nothing. The agents refused to give me a website. I did acknowledge that the debt was mine but would need an invoice first to verify the company is legit and then I'd pay my balance in the three payments they advised me of. The first agent and then the supervisor i asked for did not want to provide me that information but insisted i give them a credit card first. After telling them i did not feel comfortable giving them a card without verifying who this company is they said i can then wait for XXXX XXXX to find me and give me some paperwork that would lead to further action. I let them know that due to COVID-19 I would not accept any documentation or talk to anybody I don't know and the agent hung up on me. They continue to call me continuously from this XXXX XXXX saying they're going to deliver paperwork but they never show up to my house - seems like a scare tactic to make me pay. I want to work with this company but they do not provide any details to confirm this is not a scam.
Consumer complaint received 2020-11-02
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. (MI)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax, XXXX  and XXXX  XXXX Expedited resolution request XXXX, XXXX and XXXX XXXX have been reporting accounts in my name to XXXX, Equifax and XXXX inaccurately. 
I have disputed these accounts over 8 times since XXXX, the most recent XXXX, XXXX, XXXX & XXXX. Claiming the balances are incorrect and that these accounts have been settled. However, each time I made this claim XXXX and XXXX have alleged they conducted a proper investigation and each time verifying the accounts have been reporting correctly. This is not possible to be accurate as XXXX and XXXX exercised a CANCELLATION OF DEBT back in XXXX and reported this to the IRS, I am attaching irrefutable proof of the cancellation of debt. 
Despite this fact, XXXX and XXXX have been updating and reverifying this inaccurate information to all three mentioned credit bureaus every single month for over 2 yrs, causing severe harm to my credit resulting in numerous credit denials, increased auto insurance and denial of my XXXX XXXX XXXX  loan, forcing me to close my XXXX XXXX. 
As a result of XXXX and XXXX  reckless actions they each have committed over 60 direct violations of the FCRA. I am demanding those mentioned accounts be completely deleted from my credit reports as required by LAW, which obviously XXXX and XXXX do not give a XXXX about.Regardless, a lawsuit will be filed in the coming weeks. 
I am attaching the cancellation of Debt documents AS for XXXX XXXX, although I have filed disputes and requested XXXX to provide a full accounting and other information over the last 18 months, they have refused to do so, I have never received any response from them. NEVER!
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

I purchased a new XXXX XXXX the day before XXXX in XXXX. I've been trying to pay off the vehicle since XX/XX/XXXX. On XX/XX/XXXX I was informed I overpaid by about {$390.00} and to not pay. I have repeatedly ask XXXX to fix the missing payments on my account due to a " glitch '' in XX/XX/XXXX according to them. 
I financed {$43000.00}, I have paid {$44000.00}. They're showing my principal balance is now {$11000.00} and my payoff is XXXX, which is absolutely incorrect. 
A few reps had some of it fixed but the after the last rep requested the account closed the principal jumped up over {$11000.00} as stated above. They also changed my per diem interest rate from {$0.00} to {$2.00} for no reason as well. That rate had slowly gone down while paying it off and the last person cranked it up again. I'm tired of accruing interest on an account that supervisors are showing should be closed. I want my title free of lien since I have in good faith paid it off.

I have supplied Kia with my bank statements and XXXX, who accepts their payments has contacted Kia informing that yes, every payment was received and processed correctly.