davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: CITIBANK, N.A. (TX)

On XX/XX/2022, I noticed that XXXX had billed me for their annual service of {$150.00}. I had just paid this amount on another card. I immediately placed an online dispute on my account. I was given an instant conditional credit for the charge. However, I made a mistake and accidently hit the resolve the dispute button in the system. So, I attempted to contact XXXX to resolve this matter. 

I contacted XXXX to ask them about the charges. The XXXX Representative could only locate the XX/XX/2022 charge and not the XX/XX/2022 charge. The XXXX representative said that I would need to conference in the Citibank account holder to validate the duplicate charges. So, I conferenced in Citibank who verified my identity before chatting with the XXXX Representative. 

The Citibank representative found the duplicate charges on the two Citibank accounts ( the {$150.00} on XX/XX/2022 listed on the account ending XXXX / XXXX ) and the {$150.00} charged dated XX/XX/2022 for the account ending in XXXX. The Citibank representative agreed, validated and confirmed that I had been billed twice by XXXX. 

The XXXX representative could not locate both charges in their system and asked the Citibank representative to file a dispute with XXXX so that this matter could get resolved. The Citibank representative indicated that they would and asked me to submit an email to Citibank Billing disputes and provided me with XXXX ID - XXXX. I submitted the credit card statement through email and added the case ID provided. 

On XX/XX/2022, I contacted Citibank again to find out the status of my dispute. The agent indicated that the prior agent had not submitted a dispute on my behalf and that the dispute had been closed. ( SURPRISE ). I asked the Citibank agent if they could resubmit the dispute and I was told that once a decision was made that a dispute could not be re-opened. The agent indicated that he would try to resubmit the dispute but could not guarantee that it would be resolved. He instructed me to send the credit card statement to the billing dispute department and include Citibank XXXX XXXX. I sent this email and resent the dispute. 

After an additional 7 days, CITIBANK HAS DONE NOTHING AND THE DISPUTE STATUS IS THE SAME. I think this is terrible and I can't get this resolved since XXXX can't find both charges and Citibank refuses to re-open and resubmit this dispute. 

I am writing to the CFPB to get this dispute resolved as I find no other way to get it resolved. 


Citibank Case ID - XXXX OR Citibank Case XXXX
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

They keep changing the payment Amount every month on me one time its {$27.00} next time its {$45.00} then its {$55.00} Now theyre trying to tell me to pay {$79.00} theyre charging me a {$38.00} late fee every month I have every month on the 3 of the month told them. Charge me {$95.00} in interest fees  this account is closed my balance two months ago was {$580.00} now theyre saying balance due was {$630.00} last month XX/XX/2019 XX/XX/2019 bill theyre saying I owe {$730.00} this is gotten out of hand and it is ridiculous I have called and complained this company multiple times and they havent done nothing but racked me up more charges on a card that I closed. I want my payments cut back down to when they were only {$27.00} a month I want credit on my bill I only owed {$580.00} in XX/XX/2019 at this rate Ill never get this paid off because they keep racking up charges I will pay {$30.00} a month I get paid on the XXXX they will receive there money no later than the seventh I want to bill change to the XXXX of every month
Consumer complaint received 2021-11-14
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2019-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

I am disputing the collections balance of {$1400.00} under XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX. XXXX 's letter states the original creditor was Citibank , N.A . The Home Depot Consumer Account Number XXXX, however, I personally contacted Home Depot and Citi Bank and they stated they did not recognize the account numbers provided by XXXX. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the XXXX to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call XXXX, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent XXXX, their lawyers XXXX XXXX XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by XXXX, XXXX and the credit agencies, yet both XXXX and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (GA)

1st Franklin Financial has a hard pull on my credit report when in fact I have never applied for a loan with them. The hard pull shows on my XXXX Credit Report which shows a fair credit rating because of this and does not show on my XXXX Credit Report which shows a good credit rating.
Consumer complaint received 2022-11-10
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. (FL)

A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account XXXX XX/XX/90 days late XXXX
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (IL)

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Consumer complaint received 2022-10-01
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: Mercedes Benz Financial Services (GA)

On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these agencies written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX MB FINANCIAL SERVICES Account Number XXXX
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I have been a Citi Prestige Cardmember for several years and have always paid my bill on-time and paid my annual fee dues ( currently the annual fee for this card is {$550.00} XXXX. As part of this hefty annual fee, I expect to receive the full value of benefits and rewards associated with the card. 

After speaking with a friend who also has a Citi Prestige Card, I found out he received a XXXX XXXX XXXX gift offer from Citi ( with a value of about {$400.00} based on the items he was able to choose from the gift ). After hearing about this, I wanted to see if I was also eligible to receive this gift. I proceeded to reach out to Citi Customer Service via its chat functionality on the Citi website on XX/XX/2019 ( screenshot provided ). I explained that my friend had received this gift and I was curious if I would also be receiving this same gift. The chat representative said " Yes, you will be receiving a mail as well '' and proceeded to provide a XXXX XXXX XXXX email to follow up with them directly. 

After waiting weeks and weeks, I did not receive anything and followed up once again. I lodged a formal complaint with Citi that was routed to the Citi Executive Response Unit ( XXXX - Attn : XXXX, XXXX ). XXXX did not assist in resolving this matter and claimed the chat representative had simply provided inaccurate information. I said that Citi should stand by what the chat representative said and XXXX claimed they would be retraining the rep so I should rest assured. This is extremely frustrating to me because I was effectively lied to and presented inaccurate information. Citi does not want to take accountability for the actions of their own representatives who act on behalf of the company when they provide this inaccurate information. Citi should provide me with the stated XXXX XXXX XXXX gift that I was told I would be receiving.
Consumer complaint received 2022-04-21
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 account # 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without instructions
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2021 I went to my bank ( XXXX XXXX, XXXX WI to send money to JP Morgan Chase Bank, XXXX MD. My bank said it wouldn't go until next day. On XX/XX/2021 Late in the day I called bank to say I think this was a fraud case.I was told to call receiving bank and talk to their fraud people. I did call and talked to them and said i believe this was a fraud sale that I sent money too. They said they would note the account that this deposit coming was possible fraud. They also told me at the time I called the money was pending. I asked if they could hold funds that I sent so my bank could recall money next morning. They would not do that but would note the account. On XX/XX/2021 My bank filed a recall of funds into Chase Bank and have not heard back from them as of yet. In the meantime the people with the auction company said they would refund money I sent and should have it in two or three days. Nothing yet two weeks later. The auction site stopped answering call and took down the website. I feel that Chase has done nothing but help these people get away with my {$28000.00}. I think that Chase should be charged with something for not doing anything after myself and my bank called and told them this was fraud. Please help!
Consumer complaint received 2021-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

I sent certified registered letters to CAPIO PARTNERS regarding accounts that appear on my credit reports with all three credit bureaus. I requested a DEBT VALIDATION letter and they in turn sent me an " account statement '' which has my last 4 digits of my social security number on them, dates of service, and original account numbers from medical/healthcare facilities. There is also a section with " Patient : XXXX, XXXX XXXX ''. These are all in direct violation of XXXXIPPA Regulations including but not limited to the 18 HIPPA Identifiers. I did not sign a HIPPA letter giving them permission to have this protected health information about me. I am attaching the letters I sent CAPIO PARTNERS and the ones they sent me in this complaint.

Thank you XXXX XXXX
Consumer complaint received 2022-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I have asked Nelnet to reimburse all payments made towards my student loan between XX/XX/XXXX and current. 
The request for reimbursement was initiated in XXXX of XXXX. 
Nelnet processed the reimbursement and credited the amount of {$2000.00} back on to my loan weeks ago. 
Nelnet continues to tell me over and over after 6 or more repeated requests and calls that the checks are " in the mail ''. 
To date I have not received credit in my bank account or any physical checks. 
I contiue to get conflicting information from Nelnet and the run around. Attached are screenshots from my bank of the 2 payments made I've asked to be reimbursed. Nelnet also deleted my entire payment history in my online account. Why?
Consumer complaint received 2022-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to Wells Fargo, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

I noticed a debt on my credit report from EOS. Collections company. They claim I owe a debt of XXXX..from a service for which I orginally cancelled my XXXX account at the address if XXXX XXXX XXXX. It was paid in full and I returned the Equipment. They are stating the debt is from XXXX XX/XX/XXXX. I did not reside there at the time. I moved to XXXX XXXX XXXX in XX/XX/XXXX. 
I tried to explain all this to them..but they still were trying to get some money. I told them..why should I pay for a debt..that is not mine. I did not live at that residence. during the time period they claimed. 
I hope to get this resolved and removed from my record..and credit reports. I did live at XXXX XXXX XXXX.for 19 years..the home was in foreclosure from XXXX till the time I moved out in XX/XX/XXXX. But my XXXX account was paid in full. I was not there during the times they claim I owed the bill. Which was XXXX..to XXXX XXXX..the house was empty. 
I was residing at XXXX XXXX at the times claimed debt they stated. Please help me resolve this.
Consumer complaint received 2020-04-17
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, CAPITAL ONE BANK, XXXX and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 you cash a check and after obtaining the money I will clear the check ( with fire ) On XX/XX/2022 someone else changed it and deposited it from my account and the bank did not refund me the money they debited from my account.
Consumer complaint received 2019-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NE)

Starting with my XX/XX/XXXX statement, I wrote a check to US Bank to balance transfer {$1800.00} that was supposed to get me 0 % interest until XX/XX/XXXX. I did another check balance transfer on the same card with my XX/XX/XXXX statement for {$1800.00} that again was supposed to be 0 % interest unto XX/XX/XXXX. On my XX/XX/XXXX statement, I made a car payment to my wife 's car and it somehow counted as a cash advance in the amount of {$580.00}. The cash advance rate on this card is 25.99 %. My minimum payment on this statement was {$70.00} and I made payments that totaled {$1500.00} for this month and I was charged interest on the cash advance and on the purchases that totaled around {$23.00}. 

On my XXXX statement, I made a lot of purchases ( 16.99 % interest ), but also made a payment in the amount of {$4800.00} ( minimum payment was {$56.00} ) and was charged {$8.00} in interest on the cash advance that still somehow had a balance. 

On my XXXX statement, I made more purchases, but also paid {$1200.00} in payments with a {$120.00} minimum payment. One of my 0 % balance transfers was paid off by this month and I was charged {$66.00} in interest on my purchases ( 16.74 % interest now ) and {$.00} on the cash advance that was still not paid off, but now has a balance under {$10.00}. 

On my XXXX statement, I made more purchases and made payments of {$4500.00} ( minimum payment of {$100.00} ). This month, my other 0 % balance transfer was paid off, the cash advance still was not paid off and I was charged {$.00} in interest on the cash advance and {$67.00} in interest on purchases. 

It was with this last statement that I finally realized that they were paying off my lowest interest balances first and sticking me with the interest on my highest balances. It was my understanding that the Credit Card Act of 2009 made it the law that companies had to apply any " overpayment '' ( anything paid above the minimum payment ) to my highest interest balances first and pay those off before moving to the next highest interest. When I called US Bank and asked them about it, they said the law changed and they were not required to do anything of the sort. They could apply my money how they see fit and have been applying my entire payment to the lowest interest balances, which is why my 0 % interest balances were paid off before the 25 % cash advance was paid off ( still not paid off technically ).

If they're right, let me know if the law changed or how I'm interpreting this wrong. But I couldn't find anything that said that info was correct and it appears they're breaking the law by doing this to me. Let me know though! Beyond that, if they're doing this to me, they're doing it to their other customers too!
Consumer complaint received 2022-11-10
Product: Vehicle loan or lease — Lease
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 (GA)

Hello, My name is XXXX XXXX, I purchased a XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX, it's now XX/XX/XXXX and I haven't received my car title. 

I have contacted Hyundai Finance in writing in XXXX of XXXX, and I have called multiple times, in writing, I have contacted XXXXXXXX XXXX by phone and in written ( XXXX of XXXX ) for my title to no avail. I have recently ( XX/XX/XXXX ) conversed with Hyundai Lease Titling Trust directly to resolve this issue to no avail. Since XX/XX/XXXX of XXXX I have been calling and requesting every intity involved to aquire my title, as of XX/XX/XXXX I have yet to receive my car title. I have also visited my local tag office in XXXX, Georgia to aquire my title, I was informed the title hasn't been released from Hyundai Lease Titling Trust. 

It is my understanding, by law, a company has 30 days to issue the consumer their title. 

Please contact me on how to pursue this urgent matter. You may email at XXXX, or, you may contact me by my cell number at XXXX Cordially, XXXX XXXX