davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-19
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: EQUIFAX, INC. (OR)

I complained to the consumer protection bureau about Equifax not allowing me to get into my account after asking 20 questions two different times. I wanted to put a PERSONAL STATEMENT on my credit report that said MY PREVIOUS BANKRUPTCY WAS DUE TO IDENTITY THEFT. This could have been prevented if EQUIFAX would have accurately investigated the problem. Now instead of putting the personal statement which I was SPECIFICALLY THE REASON I called about AND complained about, they wrote me a letter and purposely put a fraud alert on my file instead, making it harder to access my credit report. What is wrong with these people? How can I spell it out to them? They do not want me to have anything accurate on my file. I am so sick of this and I will now have to hire a lawyer again!
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (MA)

In XX/XX/2020 I opened a Citibank " Miles Ahead '' savings account with a deposit of {$50000.00} that offered a XXXX XXXX miles incentive for making a deposit and keeping it on deposit in the account for 90 days. I fulfilled the requirements of the incentive, and today wished to withdraw my funds. Citibank makes this process very onerous, and essentially has created a set of rules where I can only withdraw my funds by paying them a {$25.00} fee, which I would argue is not adequately disclosed until you ask to withdraw your money. 

Specifically on XX/XX/2020, when I went to transfer my funds back to my checking account at a local bank, Citibank informed me that the Citibank Miles Ahead account has outgoing transfer limitations of $ XXXX per month which they indicate is for " security reasons. '' However, if you pay them a {$25.00} fee, the " security reasons '' apparently are alleviated, and I can transfer my money immediately in a lump sum. Unless I wish to withdraw my money in increments of $ XXXX a month over a 3 month period, I would be forced to pay the fee. The only alternative offered was that I could visit a branch ( the closest which is several hundred miles away in another state ) or that I could close the account altogether and receive a check by mail in 14-21 days. I was inclined to do the later, however doing so would prevent me from receiving the account opening incentive, as Citibank has an additional requirement that the account must remain open ( although allowed to have a lower balance ) until the incentive is paid, which apparently can take as long as 90 days XXXX or longer based upon what I am reading online from many unsatisfied customers ). 

I spoke to a telephone representative at Citibank, and they were unwilling or unable to waive the {$25.00} fee. I researched this issue online, and apparently I am one of many, many customers complaining about this particular issue, and the charging of {$25.00} to simply regain access to my money in an efficient manner. Leaving me no other option to access my money in a reasonable timeframe, I was forced to pay {$25.00} to transfer the money out of my account on XX/XX/2020. 

The Terms and Conditions provided when I opened this account make no mention of these restrictions or fees. I have attached a copy of the document. 

I would request assistance in being refunded the unreasonable {$25.00} fee, and would further request that the CFPB look into the unreasonable access restrictions that Citibank has placed on accounts to limit consumers access to their own money without paying excessive fees.
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (GA)

I'm very concerned to find out that the company who financed my car told me they charge daily interest.I also believe that finance charges was applied at the time I purchased the vehicle. I've had the vehicle over 2 years and it's only a XXXX XXXX  less than what was owed when I got it. When I first got the vehicle after charges and fees it was XXXX, | called on Friday XX/XX/XXXX to find out that the remaining balance was {$16000.00} and so I replied Ive had this car over 2 years, the payments are {$460.00} a month but I mostly pay {$500.00} a month, how is it this much? They replied well we charge daily interest. In this case the car will never be paid off, this wasnt explained because I wouldve never agreed to this. This is robbery
Consumer complaint received 2022-10-11
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. (WI)

I am a victim of identity theft. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Wi XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (SC)

A couple years back I paid off my credit card with best buy and my account was at {$0.00}. My roommate at the time, XXXX XXXX, stole my identity and opened up numerous accounts in my name and also stole my credit card unknown to me. She used the best buy card to buy thousands in gift cards. when I figured out what XXXX had done I reported it to the police, all the credit card companies and did the paperwork. XXXX and Mastercard were great working to clear it up but Best Buy/Citibank keeps turning me over to credit collection agencies and the credit reporting agencies. They also keep reporting to the credit reporting agencies.
Consumer complaint received 2019-01-19
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. (ID)

I believe I complained about Equifax, XXXX & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX  XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX  balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX  XXXX that states I owe XXXX.
Consumer complaint received 2018-02-26
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. (TN)

XXXX posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CT)

Debt was paid on XX/XX/2021. I was on an autopay with the company. I never received a final bill or any documentation from XXXX saying i owed anything else. Collection agency wouldn't give me back-up documentation supporting what I owed or my payment history. XXXX is unable to provide me any documentation as well.
Consumer complaint received 2021-01-06
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: BARCLAYS BANK DELAWARE (NY)

Hi, I am complaining about a dispute case I filed with Barclays and the bank 's inability to resolve my disputes after a year despite my repeated calls and report. The amount total is {$1600.00}, which is a huge amount of money! 

I traveled with my Barclays credit card to XXXX in XX/XX/XXXX and my credit card was lost at the airport right before my flight back to XXXX. During my flight back, the following fraudulent transactions appeared on my account. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX CASES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXXXXXX ( This was the only transaction that was solved ) I called Barclays immediately on XX/XX/XXXX after I completed my flight reporting the fraud activities and asked them to dispute these transactions. They have to be fraudulent because I was on a plane when these transactions happened. There was no resolution until now after a year of repeated calls. 

After I called on XX/XX/XXXX, I waited for some time and still didn't see the transactions disputed. To protect my credit score, I paid for my statement balance and hoping they will be returned to me one day. But only 1 transaction was disputed (XX/XX/XXXX XXXX ) afterwards. I don't remember when exactly it was disputed. But the remaining balance is still outstanding. I called in XX/XX/XXXX again and was told to wait for up to 90 days. And on XX/XX/XXXX, when it hits the 90-day mark, I called again and was given a case number XXXX, and then nothing happened. I recently called once again on XX/XX/XXXX, and was given a new case number XXXX. Nothing happened until now. 

I need to get my in total of {$1600.00} back ... please help.
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am XXXX. My ex- assistant began going in my purse and stealing my XXXX XXXX American Express , other credit cards and she forged two XXXX XXXX XXXX checks. I didn't know who it was but I kept reporting it and getting a new XXXX XXXX American Express along with the other cards. Finally when she ran out of all of my money because the companies stopped refunding the money that was stolen, she quit. I have email documentation of her admitting to stealing money from me. Then I received the first forged check in her name. That's when I knew I could report it to the police and open up a case, so I did. They said they were going to charge her with XXXX XXXX..I would ask XXXX XXXX American Express to send me all the paperwork of the dates she was working for me so I could Circle what she stole and they kept sending me the wrong paperwork. Finally when I got the right paperwork they had already closed down my card. They re-opened it once but I simply couldn't make the payments they asked for they closed it for good. They wouldn't work with me in any payment plan. Knowing my condition and situation, I believe they should have. Not even the hardships department cared. I would still try to Circle all the dates and the money she stole from me but I have to go to the doctor every single day and I need my current assistant to help with the paperwork because of my XXXX. We simply didn't have time to fill out all the paperwork because I have so many health related things going on. Everything became so overwhelming! Still the police report was started and I did know who the person was who stole from me. As a XXXX person that can not do anything on my own. I don't know how to get this resolved. I need serious help. This woman has stolen thousands and thousands of dollars from me. She has also stolen other money from me that doesn't relate to this card.. I don't know what to do. I need hardships to work with me. I can barely afford anything but I can pay small amounts if they just work with me. Thank you very much. XXXX XXXX
Consumer complaint received 2020-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have sent numerous request for debt validation in accordance with 15 USC 1692g. I have requested debt validation on the following dates XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which is well over the legally required 30 days you had to prove the validity of this dept to me. To date all I have received is 1 copy of a credit card statement on 3 or 4 different occasions. I have made many attempts to request the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor.

3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title.

7. Proof that you were on the original contract I have also disputed with the 3 major credit bureaus as well. I have done my due diligence as a consumer and my rights continue to be violated by there disregard of my numerous request.
Consumer complaint received 2021-08-18
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. (FL)

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2019-01-20
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. (NV)

I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! !!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE. PLEASE REMOVE
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (CA)

I spoke to the representative from the attorney 's office Mr. XXXX XXXX. He mentioned that i was served thru an individual by the name of XXXX. The owner, my lessor at that time is Mrs. XXXX XXXX.
Consumer complaint received 2019-01-20
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK (WA)

Respected Sir/ Madam, I am exploring the possibilities for financing my daughter 's XXXX education with private loan from bank. I am in the XXXX on XXXX visa. My daughter is on XXXX dependent visa. As a result, she is considered as international student. I am waiting in the Green Card ( Permanent Residency ) line for last several years. 

I checked with Discover, XXXX XXXX websites. While they allow international students to apply for loan, they need cosigners who are either US citizens or Permanent Residents. I feel that this is unfair. I had been given mortgage and car loans in the past which I closed successfully. I have good financial history. I think I should be allowed to remain cosigner on the student loan. I would be much obliged if you could look into it. Thanking you in advance. Best Regards
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (FL)

Back in XX/XX/2020 I requested for them to cancel my account at which time I received confirmation notice via email they would cancel service. They have not and continue charging me for the maintenance {$47.00} per month. I've sent several emails to again ask them to stop and received nothing. I've spoken directly to the company and they advised they will handle but have not. Its now going on 4 months since I requested that they stop charging my account and every month they still do. I have emails to show the communications and validation but still they charge me ... Please help
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.
Consumer complaint received 2022-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX has duplicated my old debts on all of credit reports changed the amount by a dollar. So it looks like I owe double for each account in collections. Original creditor AND collection company both on my credit reports killing my score. XXXX and XXXX both have done this punishing me for example a XXXX debt now I owe XXXX companies which Experian Said is two different companies for two different amounts-and dates! Original creditor needs to delete it off of my credit when they sell it to a collection agency. I have been dealing with this for years every single account!!!! Costing me XXXX in points, money and debt to income ratio. How much longer do I have to suffer???????
Consumer complaint received 2022-10-11
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)

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, Equifax, XXXX, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!