davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

Macys continues to add additional false information to my credit report. I had asked for verficaiton of the debt they said I owed. They then added additional negative marks on my credit report. Macys claims my account was charged off in XXXX XXXX but they have recently reported over 5 times in XX/XX/XXXX that the account was re charged off. 

I have disputed these facts with the XXXX credit bureaus and they say Macy 's confirmed and verified that they charged off the account all of these 5 times in XX/XX/XXXX, which is false and in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices rights. 
15 U.S.C. 1681s ( a ) ( 1
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

Has on collection open on XX/XX/2022 for the amount of XXXX which I never open an account the pasts months. 
I have another collection open in XX/XX/2022 for the amount of XXXX which I say again havent open any account in the past months. 
I called XXXX  and direct me to the complaint to get rid of those accounts off my credic
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage company is going to charge me for last years homeowners insurance. When going to renew homeowners insurance for this coming year, the mortgage company found that renewal was not an option. Renewal was not an option because I have not been insured for the last year. This lapse in insurance occurred due to escrow paying my homeowners insurance company 13 business days late. I have an email showing that escrow paid the homeowners insurance. On that email it says the date that next years payment will be made, which is the due date of the homeowners insurance. To me this reflects that they new when the insurance was due and that they were late. I have no notice to show I was canceled by my homeowners insurance. My escrow account shows the cost of the insurance deducted in XXXX and then in XXXX there is a deposit into the escrow account for the identical amount... the reimbursement. A year later, we are both realizing that I have been uninsured. Thankfully nothing happened. And now, my mortgage company is going to charge me for insurance to cover last year. How do I proceed in stopping this charge from occuring?
Consumer complaint received 2022-03-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX PL XXXX XXXX XXXX VA, XXXX XXXX XXXX CT XXXX OH, XXXX
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

XXXX on XXXX/XXXX/2016 at XXXX which in that motion the Plaintiff submitted XXXX assignments of mortgage which XXXX of those assignments is a fraudulent assignment. 
Penny Mac do not have legal capacity, legal authority, legal standing and legal rights. In the motion on XXXX XXXX ,2016 the motion was denied by the court. 
The financial institutions there is not in title too collect the debt. This institution is of inviolatation of the FCRA/FDPCA.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CO)

In 2012 I set up a temporary account for a one month rental we had at a house in XXXX XXXX XXXX, GA, just outside of XXXX. I closed the account after we moved out and paid the bill fully. Someone else moved into the house a month late, activated the account and then never paid the bill. 2 years later I got a bill, filed a complaint to XXXX and then they handled the dispute for me and said it was all taken care of. 

Two weeks ago I applied for a mortgage to buy my first home and my mortgage broker let me know that there was a negative file for " closed '' dispute on my file for XXXX for XXXX. I have called, emailed, called, emailed and have gotten no response from XXXX. 

This is significantly hurting my score and lowering my approval process on my loan. I am really upset that someone was able to use my identity, get this account set up and then after hours and hours of calls on the phone with XXXX I was told it was all handled and now 2+ years later its effecting me negatively. 

PLEASE HELP!
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NY)

Citibank called the merchant and discussed my dispute without my knowledge or discussion of my issue. They then notified me of the " settlement ''. 

I closed the account. Not likely to ever use them again no matter how low or long the 0 % rate is.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2022-11-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I called XXXX credit cards at XXXX XXXX XXXX XXXX and spoke to " XXXX '' to cancel my XXXX father 's credit card account. He advised me that the account was canceled and if I had any questions, to call XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I received XXXX NEW XXXX credit cards on the same account, XXXX in my XXXX father 's name, and XXXX in the name of my XXXX mother. On XX/XX/XXXX, I called customer service XXXX XXXX XXXX XXXX and spoke with `` XXXX '', giving him my mother and father 's dates of death and my father 's Social Security number ( AGAIN ) as well as my name and address and advised him to close the account as both parties on the account are XXXX. " XXXX '' advised me that the account was closed effective immediately, and that a written confirmation would be sent to me at my address. 
On XX/XX/XXXX, I received a letter addressed to my XXXX father at my address from Synchrony Bank stating in part that they had " ... recently received a letter that was unclear regarding the desire to close [ the ] account '' and requesting my XXXX father to " ... confirm your desire to close your account by calling the toll free number listed below. '' The number given was the same number I had ALREADY CALLED XXXX. 
On XXXX, I called that number and spoke to " XXXX ''. I told him I wanted to make absolutely sure the account was CLOSED. He advised me the account was closed and told me to simply " ignore the letter ''. Then he told me I could call XXXX XXXX and speak to the " XXXX '' to try to resolve the matter. 
On XX/XX/XXXX, I sent the Synchrony Bank Customer Service Department a letter detailing the fact that I had already called and had quite unambiguously stated that the account should be CLOSED due to XXXX of the account holders -- BOTH OF THEM -- and that my XXXX father HAD NEVER WRITTEN THEM A LETTER AS THEY CLAIMED IN THEIR CORRESPONDENCE. I also requested written confirmation that the account was, in fact CLOSED. To date, I have received NO RESPONSE WHATSOEVER from their Customer Service Department.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (KS)

I have been locked out of my Robinhood account for 4 days now. 
There is around XXXX in the account that I am possibly losing money on. 
Or not being able to take a profit. 
I have XXXX shares of XXXX stock and 1 XXXX stock. 
I have called to company ( Robinhood ) I have emailed them multiple times and all I get is a automated email saying they have received my email and someone will email me soon. 
It's been 4 days and I have had zero help. 
They are very unprofessional and I would like access to my account immediately.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MS)

In XX/XX/2021 opened a Citi savings account, in response to their solicitation. Citi bank offered me XXXX XXXX XXXX miles if I opened a savings account and deposited {$50000.00} dollars for at least 60 days. I completed the requirement, but Citi bank has not provided the miles they promised. 

When I initially asked them why I had not received the miles, they told me to wait another 60 days. I still have not received the miles.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received and email asking for the amount of {$150000.00} to finalize the down payment of my house. That same day into Wells Fargo wanting to make a wire transfer to XXXX XXXX XXXX On XX/XX/XXXX my real estate agent XXXX XXXX called me to tell me that that escrow has not received my payment. That same day I let Wells Fargo told me that there had been fraud on my account. They told me the money would be returned in 10-12 day. After that they told me that there would be an investigation the manager XXXX XXXX told me she would be in charge of the investigation but never heard anything back from XXXX where the bank was sent.
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (CO)

XXXX keeps turning me into collections every year since 2012 for a bill i paid off in 2012. Every year I have to send the collectors and the original company my proof of payment. Every year they send me a letter of confirmation saying it was an error and they have corrected it ... but here we are again. I have more than enough evidence that I have paid that bill and I am tired of effortlessly trying to improve my credit score in hopes of a house and babies XXXX day, when XXXX keeps holding me back for nothing ... for a bill i have paid 4 years ago.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (SC)

In XXXX XXXX my Wife and I accepted an offer from XXXX XXXX to Consolidate our loans as a Married couple to lower the interest over the life of the loan. At no time were we informed that we would be waiving any potential rights later in life due to unfortunate circumstances while a young couple in their XXXX just start out together. My wife 's XXXX Federal Loans at the time of this consolidation XXXX XXXX totaled XXXX and today is at XXXX after 16yrs. We provided documentation through the Life of these Loans with regards to the XXXX accident in XXXX my wife was involved with from both the XXXX and several Physicians. Her XXXX Date was XXXX/XXXX/XXXX and Post Discharge Monitoring concluded 3 years after that. Our complaint is that these loans, totaling today XXXX, were not properly Discharged/Forgiven based on my wife 's XXXX inability to pay or benefit from her education. I myself have no ability to benefit from her education to provide any further financial means to support a one income family that has a spouse XXXX within the household. I 'm still burdened with trying to repay my own education loans from the consolidation in XXXX XXXX for XXXX which today 's balance is XXXX to date. With 16yrs we have only been able to repay XXXX out of XXXX due to a single income family during that time frame providing for a XXXX family member based on job availability and due to medical needs has had to exhaust all deferments and forbearance options during that time frame. With the proven XXXX of my Wife over 16yrs we believe that these XXXX Loans totaling XXXX were not properly Discharged and exempt from all parties involved for repayment upon Post Discharge Monitoring. Please Discharge and Forgive the XXXX Loans totaling XXXX from all applicable parties
Consumer complaint received 2022-03-14
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. (VA)

We need to reopen Complaint ID XXXX that was prematurely closed in error. I received a written statement from Equifax that contradicts their response to the stated Complaint. We have never received an explanation of the debt claims and the statute of limitations has passed.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CO)

THIS IS NOT A DUPLICATE CLAIM. BLOOMINGDALE 'S CITIBANK HAS DENIED SEVERAL FRAUD / IDENTITY THEFT CLAIMS. PLESE SEE ATTACHED DOCUMENTS. I HAVE MADE MORE THAN XXXX ( XXXX ) REQUESTS FOR ACTIONS TO BE RESOLVED. NOTHING TO DATE HAS BEEN REMEDIED.
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (WI)

Several days before our vacation, I used some of my work bonus to pay a large portion of my Wal-Mart MasterCard balance. The amount I paid was {$3000.00}. This card was to be used for the hotel and other misc. charges while on vacation. 

We arrived on Saturday XXXX/XXXX/16 and the MasterCard was declined at the hotel front office. I immediately call customer support. I was told that the {$3000.00} payment was on hold for an unknown reason. I was told, possibly because it was too large of a payment I explained the situation and also informed the agent that this was an electronic transfer from my bank and not a check. After explaining what the card and money transfer was to be used for, the agent was able to resolve the situation and I was told that {$3800.00} was available for credit. The card was subsequently accepted at the hotel front office. 

I made a purchase on Friday XXXX/XXXX/16 at the local grocery store and the Wal-Mart MasterCard was again declined. After using my debit card, I again called customer service. This is when I was told that my credit limit was changed from {$4500.00} to {$900.00}. I explained the situation for a second time. The agent was unable to help and I requested her supervisor. I explained to the supervisor the situation for a third time. I also explained that it seemed more that coincidental that after the credit card company received my {$3000.00} payment, they then decided to limit my credit. The supervisor offered a temporary increase of {$250.00}. I disinclined as this would do nothing to pay the {$1600.00} hotel bill. I did request my {$3000.00} payment back minus the monthly due. He indicated that he did process the request. 

Note that we have not defaulted on this card or any other card. the fact that the credit card company decided to change my limit after they safely received the balance of what was over the new limit seems unethical. I understand that I had medical issues and some bills went to collection. This would seem consistent with a limit change and I 'm not implying this was wrong or unfair. What I am implying is the underhanded way business was conducted on this matter. The credit card company put me in a very bad situation, while the whole purpose of having the card was to provide a safe way of traveling with the security of having funds available. 

I am asking that the credit card company return my {$3000.00} payment minus the monthly payment due. The payment I made which I succinctly communicated to them was to be used as available credit for my vacation. I also ask that the credit card company be investigated for unethical practices for changing my limit after I paid the balance. I believe this would not have been done had I not paid the balance.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I received my credit report and Sallie Mae is reporting my student loan in XX/XX/2010 late and reported me as 90 days past due. Now, there are NO other months reporting my account late. Just XX/XX/2010. How can I be 90 days late, if they are not showing any other months being late. I called and talked to Sallie Mae several times and they keeping telling me, that the information is correct and there is nothing they can do. 
How can I be 90 days past due, when there are NO other months showing me late? 
My credit has been ruined because of this. 
Please help me solve this problem, and get my credit restored. 

XXXX
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

I opened a credit card with Barclays Bank in XXXX after being solicited by XXXX and wanting to save for my daughter 's education. Big mistake on my part. In XXXX, while my daughter was a XXXX  in college, I added her as an authorized user on the credit card in case she needed to make an emergency purchase while at college. At the time, Barclay 's Bank assured both of us that my daughter had no financial responsibility for the card. 
In XXXX, XXXX, a charge was made to the account. Unknown to me at the time, Barclays had stopped sending statements on the account so that I was not aware of the charge however, my daughter did not make the purchase and her credit card was not activated at that time. I found out about the charge on XX/XX/XXXX due to a major decline in my fico score that was posted monthly by my bank. I paid the charge that day in the amount of XXXX dollars. 
Unfortunately, this has ruined both of our credit profiles. I can accept that this has ruined my credit even thought it is the only late payment that I have ever made. My score went down 100 points but it is still XXXX. 
My daughter however, is XXXX and her score has gone down almost 200 points. She has had 2 credit cards cancelled and been turned down for a car loan. Her credit score has gone down from the mid 800 's to the low 600 's. All because of the misrepresentation of Barclay 's Bank. They have ruined her future and should be held accountable.
Consumer complaint received 2022-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IN)

I recently graduated during the XXXX XXXX XXXX. I am trying to set up an Aidvantage account so I can begin the repayment process. Whenever I try to register for an account, I receive an error message that the information I am putting in does not match the records at Aidvantage. I checked my information through studentaid.gov and all of my information ( social security, phone number, email, birthdate, etc. ) is correct. Rather than go through Aidvantage customer service, I chose to submit a complaint here.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (NC)

I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (OH)

There was a fee on my Amazon store account through Synchronicity Bank that should not have been there. They are promoting a 6 month interest free payment plan, however I purchased something outside of that promotion, and then made a payment, they did not apply the credit to the non-promotional balance, thus fees started to incur. I contacted them and I assume the funds have been properly reallocated so I will no longer incur fees while the promotional balance is paid off. However, I believe they are in violation of the law by not applying payments to higher interest purchases first. I just want to make this aware to CFPB so they can remedy any illegal actions by this bank and protect other consumers that might not be aware. Thank you.
Consumer complaint received 2023-03-29
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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