davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-03
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (GA)

Over the past approximately six months, I have has problems receiving my mail. XXXX or XXXX pieces of credit card statements and my homeowner 's insurance bill were no delivered. This resulted in late fees plus interest charges on the credit cards and my homeowner 's insurance being cancelled. 

I spoke with my local post office twice in person and the Deliver Supervisor said she would talk to my carrier and correct the situation. I also emailed the USPS about my situation. I thought the situation was resolved until recently I received another late fee and interest charge on another Citibank credit card statement. This time I called the USPS and filed a formal complaint and was contacted by a Public Affairs specialist who contacted my local post office which verified they were aware of my situation. The specialist said she got the Delivery Supervisor 's supervisor involved and would run a 10 day test on my mail to verify things were being delivered as they should. 

As soon as I learned of the late fee being charged on my CItibank credit card statement, I called them to tell them what happened. The representative I spoke with said that it would be no problem to refund the late fee and interest charge so I paid the difference between the statement balance and the late fee plus interest charges. Only at the end of the call did the representative make it seem like there might have to be someone named and Account Services person to review/approve the late fee/interest charge refund. 

In the mean time, I signed up for online statements via email and for text alerts on my cell phone so I would know when statements were ready ( in case the mail was non-delivered again ) and so I would know if they were overdue. 

After waiting the three to five business days for review, I was told I would have to pay the late fee plus interest charges, despite my mail having been not delivered to my address and actually having been returned to Citibank ( which they verified ). And despite my explaining to XXXX, a supervisor in Maryland, the lengths I had gone through to get my mail delivery problems corrected and to set up alerts for new statements so that I would n't miss another payment date again in the future. Her response was that Citibank had made a business decision not to waive any more late fees period and that was it. I advised her of my 11 year tenure with CItibank, my mortgage with CitiMortgage and my almost perfect credit score, but she was not swayed. I do not know who is right in this situation, but I would like to complain about Citibanks inflexibility in this matter. I did what I could on my end to improve the situation, so it seems like they could work with me a little on their end.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hey XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2020-12-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. I strongly disagree with the information that you hold about me on the file and therefore should immediately be removed or replaced with the accurate details. I am more than happy to provide any supporting documents that you require. I have evidence to support my argument and am prepared to send you this if needed. 
I would like the matter investigated and for all credit bureau agencies to be informed about incorrect information on my account. I would also like my creditors to be informed of any incorrect information on my account. 
I look forward to hearing from you as quickly as possible.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2022-08-05
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. (CA)

I placed an order of {$44.00} for shampoo from XXXX, which had exploded inside the box when it arrived. I took pictures of the damaged item and spoke to XXXX customer service about the issue. The customer service agent told me he could not refund me and that I had to contact my financial institution ( CITIBANK ). I took screenshots of my conservation with the XXXX customer service agent and started a dispute through CITIBANK to dispute this charge on XX/XX/2022. CITIBANK issued me a temporary credit of {$44.00} but later took it back on XX/XX/XXXX, saying that I was found responsible instead. I refused to accept this and appealed to dispute again. The CITIBANK customer service agent asked me to send the screenshots and pictures of the damaged item once again to the email she provided me ( XXXX ). She reassured me multiple times that they would never hold me responsible for this issue and that I would be getting my money back no matter what. After speaking with her, I sent an email with the requested information on XX/XX/2022. CITIBANK then informed me that they had completed the investigation and was " unable to resolve this dispute in my favor since I did not supply proof of damage ''. I called CITIBANK AGAIN on XX/XX/XXXX, and told them I did send them photo evidence as they had asked me to and they told me the dispute was closed at this point so there is nothing they could do to help me or reimburse me. I feel absolutely scammed and thoroughly disappointed by the lack of service I received. It has been 3 months since I initially opened this dispute with XXXX and CITIBANK failed to protect me financially as their customer and wasted my time for something that I was not responsible for at all.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA) (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX  XXXXT ( Original Creditor : XXXX XXXX OF XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CT)

We have an XXXX XXXXXXXX Credit Card which was issued through Barclays Bank. Unknown to us, Barclays sold the account to XXXXXXXX XXXX around XXXX. Despite that, our payments sent to Barclays was forwarded to XXXXXXXX XXXX for proper credit. 

In XX/XX/XXXX, we sent an electronic payment via our XXXX XXXX XXXXXXXX XXXX Pay to our usual address ( Barclays ). Without notice, Barclays now advises that they have stopped forwarding payment on " sold '' accounts.

With the assistance of XXXX XXXX XXXXXXXX, we have tried for weeks to get Barclays to either forward the payment to XXXXXXXX XXXX or return the funds to us. They have done neither. Instead, with each phone call, they ask for the same information from XXXX XXXX XXXXXXXX XXXX  has even sent a copy of the cleared checks to Barclays as proof they received the payment.

Barclays refuses to resolve this and has said they can not locate the payment and can not do anything about it. We have escalated this within Barclays but each time, we are forced to speak to a different person who says they do not have the prior information and they will investigate this. They don't return phone calls and won't return the money. This is Theft by Conversion.

A copy of the check showing that Barclays received the money is attached. 

I ask for your assistance to get the funds returned so I can pay my bill to XXXXXXXX XXXX without having to spend the money twice. The amount at issue is {$240.00}.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

paypal steal my money, They took the money out of my balance without authorization and notice because I had violated Acceptable Use Policy violation.It 's ridiculous.For this reason they have frozen my funds for 180 days.During this period, the money was not refunded due to buyer 's refund, This is enough to prove that there is no risk when trading.But they still took my money.What right do they have to take my money? PayPal is just a method of payment, They stole my money for some invented reason without any damage to the interests of the buyers and sellers. They are robbing me
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2019-08-13
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IN)

Some background first. On XX/XX/XXXX I purchased a televison from HH Gregg, in order to get free interest I had to take a card out which was filled out by the clerk and not until after paying the card off did I realize my last name was misspelled, the letter i was in place of an e. I added a washer and dryer on XX/XX/XXXX with the same no interest promotion and paid it all off on XX/XX/XXXX without any interest due. I did not use the card again and let it expire. 
In XXXX of XXXX I discovered an email from Synchrony stating I owed {$3800.00} plus dollars, I contacted the local police and made a report explaining someone somehow used my information I also contacted Sychrony and the call taker explained I would not be responsible. A couple days later I'm telling my son who has the same name but has his own home and he says he and his wife  had applied for a card from Synchony and received one and charged about that same amount. ( we have had issues with the post office sending our mail to each others home ). I recontacted Sychrony to try and get this resolved and my son also called them to try and get it fixed by having the bills go to him  on a new account not tied to me. I was also told I had to fill out a fraud statement which I did. My son gave me the card he received and it was a new number I had never been issued but it was still spelled wrong. 
In XX/XX/XXXX I received a response from Synchrony stating the bill was my responsibily since it was family. I called the fraud department and reiterated that my son was an adult and did not live in my house so he was not a household member nor was he ever on my original credit card, only myself. Also I was told they did not have an application from my son in the computer, however I was shown a heading from Synchony to my son sent to his address. I also received another email stating I had a new card and to activate it. Since I did not want a new credit card to begin with I never activated this card but Synchony took the charges my son made on the second card and transferred them to this third card which was not activated. 
I cant imagine some of this is legal. If it is any child of any age ( even ones who have broken off all contact with parents ) could intercept their parents mail and buy all sorts of things and never be responsible for any of it. How can credit card companies activate cards without the recipient accepting the card let alone switching from card to card.Why have a number to call to activate if they can do it without your permission. My son is XXXX years old, has his own family but Synchony is saying I'm still responsible. Seems pretty unethical. Additionally does my name being misspelled play any role at this point? I have worked hard at keeping things paid on time and not having debt and I don't want to be in the middle of this when I made none of the purchases.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Back in XX/XX/XXXX my wife and I had to file bankruptcy. At that time my mortgage company ( XXXX ) and my Lawyer advised us to re-mortgage our home. The mortgage was explained as a 30 mortgage with paying the bulk of the interest up front as interest only for the 1st 7 years then switching to a principal/interest loan for the last 23 years to pay off our house, because the bank was taking a larger risk with refinancing to us with the bankruptcy. We figured no big deal due to the fact interest has to be paid regardless and we'd be paying most up front. Fast forward to present time, My mortgage has since been sold to Fay Servicing. I've paid the 7 years interest only but now they are still taking almost {$1000.00} for interest and only {$60.00} for Principal. I called to find out whats going on and was told that its an interest only loan and whatever isn't paid off in 30 years I'll owe that money still. I've been paying a bi-weekly until XX/XX/XXXX and my mortgage has come down {$22000.00} in almost 13 years of paying on it and {$19000.00} out of that {$22000.00} came from my extra payment a year. So in 13 years of paying my mortgage only only {$2500.00} went towards the principal. I still owe {$220000.00} and id need to pay {$1000.00} towards principal and {$0.00} towards interest to pay off my house in time. So basically my Lawyer and mortgage company took advantage of my wife and I at our lowest point where we were depending on him ( Lawyer ) to protect and advise us on what to do. Now our mortgage has been sold and lawyer has passed away, So I reached out to the Attorney Generals office and was advised to call you guys and file a complaint due to the fact that this type of mortgage is partially responsible for the housing market crash of XX/XX/XXXX and is almost illegal now. Thank you for your time and anything you can do to help will be appreciated.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I have two high yield savings accounts with a value of $ XXXX with Citi. I have repeatedly tried to transfer $ XXXX to my XXXX XXXX account and spent hours on the phone. They keep saying my " funds are blocked '', refusing to give an answer on WHY. No idea why this is legal under our law.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

My problem is with PayPal, Synchrony Bank, from what I gather who manages it. They lend you money on purchases for up to six months on items of {$99.00} or more, but their slippery slope is that floating closing date for billing. It varies each month with the hope of tripping up the borrowers with higher than expected payments who will have to try figure out their muddled billing cycle that floats. I do not like it that I face 24 % interest with the varying closing date, plus other unknown fees and whatever. On the other hand, if it were consistent, then one would know what s/he is getting into when borrowing, but as it is, it is corrupt and can easily trick a borrower through obfuscation and muddling of due dates for billing cycle, billing amounts, etc. There is a 25 day borrowing period or payment cycle, but the closing date varies for convenient obfuscation and adding the slippery slope for playing the borrower. It is NOT good for consumers, as one can not know what the cutoff date is for payments. I'll not be using them save for paying monthly and in full, but I have to wait for them to move and set up closing date, which will be tricky. In effect, I was not able to use the six months for paying for the > {$99.00} item. It would be good for consumers, if it were clearly laid out and not changing all the time, such that one gets confused about cutoff dates, billing date, etc. Otherwise, it's corruption 101, and buyer beware, crooked people are out to fool you and get you on a slippery slope.
Consumer complaint received 2021-01-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

EQUIFAX & XXXX FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!
Consumer complaint received 2019-08-13
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. (MO)

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a jr., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the Equifax data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$900.00} 4. XXXX XXXX XXXX {$4600.00} 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXt 7. XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ME)

On XX/XX/2022 at XXXX, I faxed my Public Service Loan Forgiveness application to MOHELA XXXX XXXX. I have not received any confirmation it was received, and the deadline is fast approaching on XX/XX/2022. I tried registering on their website to send a message inquiring about it, but it gave me an error when I tried to register, and you cant send them a message without being registered. I then tried calling MOHELA and their phone system said that due to high call volume they can not accept calls and hung up on me. I have no way of knowing if they received my PSLF waiver application, which would be life changing for me if it is approved. Any help would be so appreciated. Thank you!
Consumer complaint received 2019-08-13
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. (CA)

XXXX/XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and XXXX credit report, Equifax not late on XX/XX/XXXX, XXXX  XXXX -- not 30 days late on XX/XX/XXXX on my XXXX and XXXX  credit report , not 30 days late on XX/XX/XXXX on Equifax, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on XXXX and Equifax, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments
Consumer complaint received 2021-08-10
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. (SC)

( Equifax ) Unauthorized Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX ] XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 5.XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX-XX/XX/XXXX 9. XXXX XXXX XXXX-XX/XX/XXXX