davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

On  XXXX ,  XXXX ,  XXXX  and  XXXX / XXXX / 2017 , credit card purchases were m ade at Home Depot.  The  XXXX  purchases were, without the approval or desire of the cardholder, entered into a " Promotional Purchase '' scheme whereby no interest would be charged as long as the balances were paid off by the date indicated. The problem with this scheme, in addition to being unwanted by the cardholder, is that it is not possible to pay off a particular balance, even when you send the specific amount as they break up the payment between the promotional balance and the revolving balance, or apply the amount solely to the revolving balance, which then triggers the accumulated interest. The only way to avoid the deferred interest charges is to pay the ENTIRE balance before any of the promotional balances come due because of the way they randomly split up your payment. They told me when I called that it is mandatory on all purchases over {$290.00}, yet  XXXX  purchase  (   XXXX / XXXX / 2017   ) was only for {$100.00}. When I tried their " Contact Us '' feature on their webpage, their response  sends you to the card issuer, not the retailer. This seems to me to be a retailer imposed policy not Citibank. Additionally, they  ( Home Depot )  mail me " coupons '' on a regular basis to REQUEST this promotional balance offer on large purchases. So it sounds like I can use the coupon or not, yet in practice, they force the product on you in hopes that you fail to satisfy 100 % of the outstanding promotional balance, that you can not control how your payment is applied.
Consumer complaint received 2021-01-19
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. (IN)

This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (MD)

I.C. SYSTEM, INC has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from XXXX and can clearly see nothing from IC Systems was ever sent. 

IC Systems has violated articles 807, 808, 809 and 812 to name a few.
Consumer complaint received 2020-06-21
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: CITIBANK, N.A. (MD)

On my credit report, I have a inquiry from SHELL/CBNA dated XX/XX/2019. I did not authorize this inquiry. Citibank said they would remove the inquiry at the beginning of the year but it is still showing.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I was approved for a XXXX XXXX XXXX card with a {$22000.00} credit line. I have 50 years worth of credit and a profitable XXXX XXXX with a good credit score. I was granted the credit and after a couple of purchases my card was flagged as FRAUD. I have made several attempts to confirm my identity but Citi 's computer knows me better than I know myself I guess because I was advised that I was not me. I advised in a previous CFPB complaint that the due diligence on confirming my identity should have been done prior to approving me. In an effort to protect my identity, CITI has breached my privacy. I currently reside in XXXX XXXX. I have transitioned my home and business to the address that I used to apply for this card. As part of citi careless investigation, Citi sent a letter of potential fraud to my XXXX XXXX address. As part of this application, I did not disclose or agree to for mail to be sent to the XXXX XXXX address. If my credit file was reviewed, you would have noticed that the XXXX XXXX address is part of my file history for over 3 years. The letter that was mailed to that address was received by my ex wife who was not part of the credit application. Citi has violated my PRIVACY and should not use a COMPUTER to determine a persons identity. If they have a problem with identity theft, they need to have stricter purchasing policies. I was granted credit and then a fraud alert was added on my card for no reason. I have attached my DL to validate my identity. I will tell everyone I encounter that CITI is a fraud and they will violate your privacy
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX a payment of XXXX was made on my Home Depot Credit card. The payment was cash and was made at the local home store in XXXX NC. The payments were made in 3 different transactions as the cashier stated that is the only way she could complete. The payments were made on XX/XX/XXXXat the following times XXXX XXXX XXXX autho code XXXX, XXXX made at XXXX XXXX autho code XXXX and XXXX at XXXX XXXX autho code XXXX. I have the original receipts. The payments were never credited to my account. On XX/XX/XXXX I contacted the company and filed on a dispute on XX/XX/XXXX I faxed a copy of the receipts to the Home Depot dispute department as instructed and followed up with several phone calls to verify that the fax was received and was told they had received them. Provisional credit was given to my account while the research was completed. On XX/XX/XXXX I went to the local store and they too called the disputes department and verified the payments. On XX/XX/XXXX I received a letter stating that I had n't supplied significant evidence to support my dispute, not sure what more I can send other than their store issued receipt. On XX/XX/XXXX I contacted the company again and was told they do n't understand what 's going on they will re open the dispute. I have worked to get this corrected for 2 months. I have all the supporting documentation and do n't understand why the company is not only refusing to credit my payments but have negatively impacted my credit which has no late pays or any negative issues as I take great care of my credit and am at my wits end and need some help. I do have copies of the receipts but they are paper copies and can fax the documents
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

On  XXXX   XXXX ,  XXXX  I received a letter fro m Citi Bank telling me I may have been enrolled in an optional debt protection program offered by Citibank N.A. f or which I was charged a monthly fee. At no time did I agree to such a program or have a record of agreeing. I appreciate tha t Citi h as reached out, but after submitting a claim on a potential refund I was informed this would be handled by early  XXXX , which seems excessive. Also, given the misrepresentation by  XXXX   XXXX , I find this behavior to be suspect overall on the part of Citibank.
Consumer complaint received 2017-06-13
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: Nelnet, Inc. (CA)

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandled  MY  loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Consumer complaint received 2021-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

Loan was paid in full on XX/XX/XXXX. However, Navient failed to update autopay and debited {$230.00} from my checking account on XX/XX/XXXX. As of this writing on XX/XX/XXXX, I am requesting a refund and confirmation that auto pay is turned off. They have not been responsive via phone call or email.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with Experian on XX/XX/XXXX. Complaint about negative posting on Experian Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XX/XX/XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I  received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I wrote a letter to Equifax regarding inaccurate information reporting on my credit report on XX/XX/2020. I asked for the information to be verified and updated. I have not received a response from Equifax.
Consumer complaint received 2020-04-22
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 (TX)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.
Consumer complaint received 2020-06-21
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. (TX)

Good Afternoon, On several Ocassions I have notified Equifax to remove unauthorized credit inquires from my credit report and they are the worse credit bureau ever. They always hang up the phone when you call them, they refuse to help you, they never ever respond to any mail that you send them. I understand that we are all going through a crisis right now and more than ever these credit reporting agencies need to be trying to help people instead of hurting them even more. I pray that you all have them to remove these erroneous inquires from my credit report today. Thank You, XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-21
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. (TX)

On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX # XXXX XXXX # XXXX
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (KS)

Rent recovery solutions is collecting a debt on    XXXX   XXXX   XXXX   XXXX   behalf. I w as not notified of the debt until after it was filed through Rent Recovery Solutions. I am paying on this debt monthly and has requested a print out of some sort showing this. The  Federal  Trades commission guarantees the right to have  a paper trail of what you are paying. I can not find a place for my children and I to live without this. Please help as soon as possible. When I speak with certain people for this company they attempt to over talk me.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TX)

Capital Account Collections has re-aged this account. The Date of Last Activity on this account was on, or before,  XXXX   XXXX ,  XXXX . Texas has a 4 year statute of limitations. Capital Accounts is reporting the  DLA  on my credit report as  XXXX   XXXX ,  XXXX . I finally checked my credit report and realized that this was going on. On  XXXX   XXXX ,  XXXX  I wrote Capital Accounts and requested that they remove this fraudulent info from my account. They responded with a single piece of paper containing my name, an account number, Creditor, and a balance - NO DATE. The paper from Capital Accounts did n't even contain a date that the paper was generated! I responded on  XXXX   XXXX ,  XXXX  that this was a second notice of fraudulent activity under Tex. Civ. Prac. and Rem. Code  Section 16.004   ( a ) ( 3 ). Capital  Accounts has not responded and they are still reporting this debt to the credit bureaus. This is a violation of FCRA  Section 60  5 (  c ).
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

I 've already filed this complaint and CFPB lost it : AFNI, collecting on behalf of the original creditor,  XXXX   XXXX   XXXX  provided a disclosure saying that information collecting during the call would be used to collect a debt. I was calling to report the collection as a fraud as a consequence of identity theft, and the representative proceeded to issue a fraud packet. He refused to send  one  via email but he said that he could mail it. I told him that I did not wish to provide any personal information and he assured me that my address would ONLY be used for correspondence in the fraud case. He lied. He deliberately mislead me to collect information from me in order to use it to collect. I know this because days later, I received a collection letter before ever receiving a fraud packet
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (PA)

Requested by certified mail  XXXX  17that  I receive the original promissory notes to validate the debt, and also that communication be done in written format only. I have not received any communication back from them since. They received the certified mail  XXXX / XXXX / 17 . I received a phone call today on  XXXX / XXXX / 17  (  XXXX   XXXX   XXXX  at  XXXX  even after I requested document only communication, harassing me.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION (FL)

XXXX   XXXX  - calls placed by former student of  XXXX   6 t o 7 times t o Sallie Mae. Sti ll was not provided information requested - MPN, signature, disclosure documents, etc. for  XXXX   XXXX   XXXX . Please expedite this information to  XXXX   ( ov ernight mail ).     Falsification of documents suspected, and not being expedited as to the investigation.     Misinformation provide d by Sallie Mae Allegations and Investigations in that informed to send a letter ( attached ) addres sing issues, details, and proposed solutions regarding suspected fraudulent activity by   XXXX   XXXX   on  XXXX   XXXX .  One   XXXX   XXXX  informed that an affidavit has to be completed befo  re Sallie Mae will investigate.
Faxed documents over to Customer service and Sallie Mae Customer Service said never received. ( also attached - only part of document pertains to Sallie Mae. ) Then faxed to 2   other departments.     Date of  XXXX   XXXX  that loan documents signed was date that  XXXX  was at work.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have had this account since  XXXX   XXXX . I alway s ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS ) a ccepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

I completed  XXXX   XXXX   XXXX  in  XXXX , my Private and regular student loans we 're placed in deferment, I started making payments in  XXXX , then I had to file Bankruptcy in  XXXX , so my loans went back into deferment. I started  XXXX  University in  XXXX  for my  XXXX   XXXX , I graduated in  XXXX   XXXX .  Navient Student  Loans started contacting me  XXXX   XXXX  regarding payments for both student loans, I told them I was starting  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  and needed my loans placed in a forbearance, I was promised that if I made payments on the interest of the loans, they would n't go into default until  XXXX   XXXX  started, then the College would submit status that I was in school and my loans would go into forbearance.I made the payments over the phone with my checking card, and I received a Bill via, E-mail stating my payment was due to to be auto withdrawal from my bank account. When I made good faith payments supposedly towards the principal of the loans, Navient put my account in automatic payment plan and attached my checking card, which I did n't give them authorization to do. Navient is fraudulent in their scope of practice, and I wa n't a investigation into this matter.    XXXX   XXXX
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (WV)

I have a tax return from DC for {$510.00}. I received a reliacard in the mail that was thrown away due to my expectation of a check form of payment and assuming it was an advertisement. I have called 2 numbers for usbank reliacard and have not been able to speak to anyone due to the call hanging up on me after 45+ min of waiting. I have been calling these numbers for the last 1.5 weeks. I need a replacement card sent to me. Please help