davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Contacted citibank in XXXX for a XXXX order of XXXX. Provided all information and advised citibank that I am going away on vacation. I messaged the vendor as well who never responded. 
Citibank credited my account on on XX/XX/XXXX for the amount because the vendor provided them with a rebuttal. 
I never received the parcel as the vendor never sent it intil I advised I'm on vacation. I provided tracking information and screenshots. 
Citibank advise to send information for an appeal which I sent. The managers advised there is nothing needed to be done on my end after providing me with a provisional credit for the second time. I was advised by a manager name XXXX who stated that they will utilize the email i sent to disputes department. 
Citibank refuses to utilize the information given. I call for an update and they advise to pay more money to fax information already sent to XXXX. 
Citibank also unlinked my accounts for no reason which caused me to make a complaint. Citibank is fraudulent and appeals don't work as I have proof from management that they will always take the first determination and not utilize any proof provided.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (OH)

I have a business account with Axos Bank. Back in XXXX of 2022 I was locked out of my account because of a 90 day mandatory password reset. When I tried to resolve the issue online, I was informed I had to call in to customer service. After being verified by their automated system, I was direct to a customer service rep, who also made me verify my information. After that I was told since it was a business account I would have to verify even more information. At the time, I did not readily have the answers to the questions they were asking. I had become so frustrated by the process I decided to try again later. It was such a terrible experience I kept putting off calling back to resolve the issue. When I finally did in XX/XX/2022, I was given the same run around of verification questions, with the included request, to email my ID and a selfie to them. I have never had a bank request something like that for a password reset. I am concerned this is fraudulent and extremely poor practices to keep my info secure. I have spent more than XXXX trying to get a password reset sent to the email account associated with the checking account. Any help in getting my money out of this bank would be greatly appreciated.
Consumer complaint received 2022-10-26
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. (NJ)

In XXXX, I filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He took all my credit cards and made unauthorized charges. I left my home in XX/XX/XXXX. I am homeless and living in a XXXX XXXX XXXX XXXX XXXX. He stole my computer, changed all the passwords, and emptied our marital account. I have police reports to support this. He has my social security card and my passport, birth certificate and marriage certificate. I am in court proceedings against him due to his XXXX XXXX XXXX XXXX the XXXX XXXX  on XX/XX/XXXX. I froze my credit on 3 credit bureaus, called all my credit card companies to shut down and replace them. Citibank Sears, Citibank Best Buy, Citibank Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, are all investigating but have refused to issue replacements and the fraudulent charges are still on my cards! Furthermore after not issuing replacements, the Citibank people are rude, nasty, and keep harassing me by phone and texts to collect on unauthorized charges, refuse to verify my identity, keep sending me letters, and refuse to help me recover my accounts. It is very frustrating to endure this financial terrorism at the hands of my credit card companies. Lastly, I have been proactively since XXXX called all my credit card companies to notify them of my identity theft but the aforementioned credit card companies have refused to even acknowledge my efforts to regain control of my identity, compromised emails, and compromised phone numbers. They are sending correspondence directly to the identity thief and abuser!!!!! Please help me!!
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (IL)

I've sent letters to all XXXX credit bureaus asking them to verify debts and accounts on my credit report due to inaccuracies i noticed. XXXX weeks later I received letters stating they've verified my credit reports and the accounts however there are still inaccuracies showing on my reports. the following accounts are Exeter Finance XXXX XXXX XXXX XXXX bank and according to the 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

Loan # XXXX On XX/XX/2022 I submitted an application for mortgage assistance. We recently fell behind on loan payments due to medical for a baby that is due soon and this resulted in us missing payments. I have never received any phone calls or communication from my loan advocates. I submitted all required documentation to LoanCare within two days. They received the bank statements on XX/XX/2022. I received a letter on XX/XX/2022 asking for documentation on income. I submitted the requested information that same day. I have tried multiple times to get a response from LoanCare. I have requested my escrow statement to weigh my options and yet have I received that document. I am in California and the deadlines are approaching for the relief. LoanCare stated today the only recourse is a loan modification with a substantial rate increase. LoanCare is impeding my way to restoring my home loan and home retention options. They have continued to hang up, ghost, and ignore my requests. I have asked to do a partial claim several times. LoanCare stated that they closed that program on XX/XX/2022. They stated that they will not open any other options for my situation. This is odd that they are making these decisions without completing the packet. To my knowledge the VA partial claim is open until XX/XX/2022. I believe LoanCare is attempting to put veterans through modifications rather than partial claims due to the amount of interest accumulated over the life of the loan. LoanCare needs to adhere to all laws and regulations of VA home loans. XXXX # XXXX wouldnt let me speak to supervisor. He also refused to transfer to any supervisor or resolutions. He also stated that me making this complaint is going to far. XXXX # XXXX of resolutions is very rude and condescending.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

Faye servicing was my mortgage servicer. I did a refinance with another company and they recorded my lien release in the wrong jurisdiction ( XXXX instead of City of XXXX VA ) my house is under contract with a closing date of XX/XX/22 ( which i have now missed ) and the purchasers attorney will not close until the lien release is recorded in the proper jurisdiction. I and my settlement company have been run in circles trying to get this resolved with no cohesive response. the contact persons involved are not helpful or have a sense of urgency. my main contact there is XXXX XXXX that has gone dark in his responsesXXXX, email is XXXX XXXX
Consumer complaint received 2020-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC (VA)

The debt collection agency BRYANT HODGE AND ASSOCIATE calls and text consistently all year. When you call back goes to voicemail. They use multiple numbers, they do not thru text or phone service identify themselves as debt collector or offer the mini XXXX which is required to collect debt, contact information I have is XXXX XXXX XXXX, they have bill payer service website site with an address in XXXX XXXX but in looking up the agency in the past based in XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I have been a Member of Wells Fargo Bank since 2004. Not until I went into the Bank to inquire about a possible Loan, I was given instructions how to check my XXXX Credit Reporting Credit Report and XXXX Score. When I checked the information regarding my Credit Report within my Wells Fargo Account, I noticed XXXX is reporting a different Credit Score that is actually on my XXXX Credit File. I have created a signed -in member Account with XXXX Credit Bureau to check what has been reported on my credit file and if there has been any changes with my. current Credit Score .I am very concern about the two ( 2 ) different Credit Score showing on my Member/sign-in XXXX Credit file and what's showing in my Credit Report and the XXXX Score on my Wells Fargo Account. There seems to be a vast different between the two.
Consumer complaint received 2021-09-09
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)

I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX XXXX Account # : XXXX Credit reporting history is listing inaccurate late payment for this account on ( XX/XX/2020 and XX/XX/2020. I have not only paid this account in full but I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.
Consumer complaint received 2022-10-26
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: Upgrade, Inc. (OH)

Upgrade an subsidiary of XXXXXXXX XXXX XXXX XXXX limited my account to evertime I make a payment they reduce my credit limit to that amount so my credit file will show I'm always at my limit. They are trying to mess my credit report up. I sent them emails telling them about themselves and to close my account and lower my interest rate that they increased for no reason. So my account will show decreases without staying at my limit. They refused and still has it open. XXXX FCRA, I warned them plus I'm a 100 % XXXX XXXX
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax continual to reporting Metro 2 violation under K1 for Original Creditor Name.

Metro. 2 Guideline state a collection company must report the original creditor name when reporting a collection account. As a Consumer, it is my right to know who the debt is coming from. XXXX has 4 accounts in violation. Midland has 1 account. None of these accounts are reporting the original Creditor Name. I have disputed this even sent in the regulation to show how metro 2 should be reporting On credit reports. I have attached the Name & account # of these violations. 

1. XXXX Account XXXX 2. XXXX Account XXXX 3. XXXX XXXX  Account # XXXX 4. XXXX Account # XXXX 5. XXXX Account # XXXX All these accounts are in violation of Metro 2 guidelines. I have disputed this violation with the credit bureau Equifax. Equifax reply with verified and accurate. 

I have attached these violations
Consumer complaint received 2022-10-26
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: U.S. BANCORP (NY)

I have a recorded conversation with the credit card company ( Elan Financial XXXX XXXX XXXX ) acknowledging they will remove the charge-off-collection status they submitted XX/XX/2022 to credit reporting agencies since I paid in full on settlement agreement XX/XX/2022.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I am submitting this complaint on behalf of my client, an account from Transworld System Inc showed up on his credit report with a balance of {$3300.00}. He hired our company XXXX XXXX XXXX XXXX XXXX XXXX XXXX to work on his behalf, we reached out to Transworld Systems to have them validate the account. The letter was successfully submitted on XX/XX/2022 via fax ( proof attached ) but up to this date we have not received an answer, but the account is still reporting on my client 's credit reports. I am requesting per the Fair Debt Collection Practices Act that this account be deleted immediately off his credit reports since it can not be validated, plus the 30-day investigation window has expired. I have called but they have yet to remove the account. This is illegal and I hope you can offer some help in this situation.
Consumer complaint received 2022-10-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

Good afternoon, A malicious Chase employee has input derogatory information on my banking history preventing me from opening an account. Attached are the comments as well as the incorporation and filed tax documents. XXXX XXXX XXXX accounts have almost identical comments. 

I don't owe ANY banks any money. XXXX XXXX and Attorney General XXXX have both been email with this same information. 

Thank you immensely for your immediate assistance. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

in XXXX i got a letter, 3rd party, AFNI c/o XXXX XXXX XXXX I immediately sent them a debt validation letter asking for proof if i am the responsible for the debt. They did not respond via mail, the responded by placing it on my credit anyway. A MAJOR VIOLATION of the FDCPA & the FCRA.
Consumer complaint received 2021-09-09
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. (NY)

I have disputed incorrect late payments and incorrect names to XXXX, Equifax, and XXXX. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (MI)

The creditor will not update the balance on my credit report. I have been paying on time but have 30,60 and 90 day lates reporting which is harming my credit and the chance to qualify for a home loan. They will also not allow me to pay the remaining {$25.00} balance. There is not customer service number. Email is the only communication channel and I can not seem to get anyone to reply. I have attached a snip of the account on the credit report and the most recent statement from Grain Technology as proof.
Consumer complaint received 2022-04-15
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. (NJ)

On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on XXXX and EQUIFAX, so I am now taking the extra step, because I really need these addresses to off of my Credit Report.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I have XXXX citi bank cards. The payments are due on XX/XX/XXXX. Citi bank They reported to the credit bureau on XXXX that my payments were late which is no where near 30 days past due. This result in a negative issue on my credit report and caused my XXXX  score to drop XXXX pts. My payment was made on XX/XX/XXXX.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NJ)

In XXXX of 2021 a collection with L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Was deleted from my credit report because it was not mine. Information provided says it was for a XXXX XXXX account which I never had in my name. I was just alerted by XXXX XXXX that this scavanger debt collector says this account was opened 1 month ago which is a lie as I went through this a year ago and it was removed because LJ ROSS could not validate this debt. My credit score went down XXXX points because they just decided to erroneously and illegally put this on my credit like a new collection account. When you call this office, they attempt to threaten, harass and berate you into collecting money. Please have them remove this from my credit. I do not even liv ein NY
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (UNITED STATES MINOR OUTLYING ISLANDS)

I am a platinum Macys Credit Card holder. I have maintained flawless/perfect credit with them for years. My account number ends in # XXXX. Name on my card is XXXX XXXX XXXX, address is XXXX  XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX. A few weeks ago I received my newest statement My balance was XXXX of which they charged me {$210.00} for interest in XXXX. In XXXX I had purchased like {$100.00} ... it raised a flag. I called customer service and told I was charged for not having to pay interest on a {$240.00} XXXX  XXXX  I purchased on XX/XX/XXXX. I have never heard of this interest nor what I to pay interest after a year. I am prudent person when it comes to credit. I would have never opted for such a thing, {$210.00} interest for a year non-billed charge? for a {$240.00}. 

The true story in addition to this " : credit/interest robbery!. On XX/XX/XXXX I purchased a ring they sales staff claimed was a " XXXX XXXX. '' The cost was a total sale of {$1200.00}. 

I also purchased the XXXX ( for {$240.00} ) I took the " XXXX XXXX to an appraiser and was told it was not worth more than {$80.00} and Macys had a huge mark up as well as not being a diamond. It was actually a XXXX XXXX XXXX. 

I was furious - I went to a 2nd appraiser and he said it might be closer to {$100.00} it that. I needed the appraisal for my insurance company, I went back to Macys and returned the XXXX fake diamond ring on XX/XX/XXXX. I was refunded {$980.00}. Again the rind was return and it any non-disclosed deal for a year without payments there should have been no interest! 

I could not get the customer service representative to hare me, they refused to believe I was never informed that I would not be charged interest. If I signed anything I probably thought it was the charge receipt? 

The XXXX was paid by way of a gift card for the the {$240.00} - how was $ XXXXinterest assessed/charged for a purchase on a gift card? 

I will ever use the charge card again. 

I am respectfully requesting that the interest be immediately be removed from my Macys charge account. 

I did pay an additional payment of {$200.00} after this literally interest robbery. I intend to pay off the total balance and then never use the credit again - NEVER. 

i ASK THAT THE INTEREST BE REMOVED AND MY ACCOUNT BE CREDTED THE ILLEGAL MANUVERUR.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

I have been dealing with coin base and had them send a fake scam email it worried me so I asked to withdraw my money to my original account and help getting tax forms and help closing the account. I got a generic response and no hope or guarantee of getting my money im just eternally locked out of my account like my money is theres .... No human, no help just the have my money now. Coin base is a scam. I'm scared for my identity and my account and money.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO (CA)

bank name popular credit service, I received my credit card latest statement and showing my annual fee was charged on XX/XX/16, and I called to Close my credit card and waive the annual fee they charge me, because I dont wan na use this credit card for the next year, but they said they cant waive the annual fee, normally the customer has right to closed the account for the first billing cycle and wont get charged for the new year annual fee, its not fair to the credit card holder please help me, thank you