davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I am writing to complain that I have a basic checking account with Citibank for the past 5 years and they have been offering this thank you points program which my account is not even eligible for. I even have a thank you points account. I was told by the thank you points online chat that I would need to speak a customer service agent on the bank account side. I proceeded to do so and was told by the customer service agent that my account isnt eligible for thank you points since its basic checking. My question is why would you have a consumer who has been a good customer be set up with thank you points account and not give them points nor explain to the customer that they are not eligible yet they have an account for thank you points set up? If you look at the last page of the uploaded documents it says I have XXXX rewards and happily shows me that I have nothing? This does n't make sense?
Consumer complaint received 2023-02-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (VA)

My name is XXXX XXXX and I have been a loyal customer with PNC for the past several years I have both personal and business accounts with them including vredit cards and lines of credit. 

On XX/XX/XXXX, I noticed several transactions in my checking account from pay for donations to an individual in the XXXX. 

This individual somehow was able to comprimise my XXXX account and send multiple donation to himself over the course of 3 months for almost $ 11k. 

I immediately noticed PNC bank of this and the closed down my card and began an investigation. However in less than 2 weeks XXXX presented the sellers side of the story which was : showing screen shots of the money being received and someone posing as me without mt name or email address. 

Thank him for absolutely nothing. I have been a member with XXXX sine XXXX. And this is the worst think they couldve done to me. 

My bank has claimed sine they can not raise the issue with XXXX, i need to get my money back ASAP. 

And look forward to your help. 

XXXX, XXXX
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 I started my refi with Citi Mortgage. It was to close by XX/XX/<YYYY> I uploaded all of the required documents to the Citi website on XX/XX/<YYYY> The appraisal was completed on XX/XX/2016. I contacted the processor at Citi on XX/XX/2016 to get the status and was told XXXX additional items were needed. I submitted the XXXX items on the same day. On XX/XX/2016 the refi still was not closed so I talked with Manager XXXX XXXX. He said he understood my frustration and would have the underwriter review my documents. Today is XX/XX/2016 and my refi is still not closed even though I was told the underwriter was reviewing it on XX/XX/2016. I talked to Manager XXXX today, XX/XX/2019, and he said he communicated with the Underwriter Manager to expedite my closing.
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

On XXXX/XXXX/15 we paid {$2700.00} thru the Citibank on-line customer service website for Citibank Master Card charges that were due. We were shown a balance of {$0.00}. 
Starting on XXXX/XXXX/15 thru XXXX/XXXX/15 we charged {$4900.00}. We had {$2100.00} in credits and payments, so our balance as of XXXX/XXXX/15 should be {$2800.00}. 
The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
When we called to inquire about the difference of {$960.00}, we were told by customer service and management that our payment on XXXX/XXXX/15 did not pay all our charges ( even though the balance showed as {$0.00} owed after the payment ) because the Citibank on-line customer service website is a different system than the statement system that Citibank uses to track your charges. 
We then asked why the Citibank on-line customer service website is available for our use as customers to see our charges and make payments if it is not accurately reflecting our Citibank MasterCard use. We were told by customer service and management that Citibank uses XXXX different systems. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
We feel that Citibank has withheld posting some of our charges on the Citibank on-line customer service website so that we would not know the correct balance to pay ( or we would pay an inaccurate amount ) so then they could charge us interest on the unpaid balance the next month. The {$23.00} that we were charged for interest was minimal, but multiplied by XXXX of customers ( if Citibank is involved in fraud ) would profit Citibank XXXX of dollars. 
We would like an investigation. We do not believe that we owe the additional {$960.00} because the Citibank on-line customer service website showed a {$0.00} balance due after our payment of {$2700.00} on XXXX/XXXX/15. We used the Citibank on-line customer service website in good faith. If the Citibank online customer service website is not accurate and in sync with Citibank 's statement system, Citibank should not make it available for customers to use and trust.
Consumer complaint received 2016-12-20
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. ()

Employee Name : XXXX XXXX Recipients : XXXX XXXX ( self ) Recipients Bank : XXXX XXXX XXXX XXXX Confirmation Code XXXX Date Deposited XXXX/XXXX/2016 The questions is there any mistake in my personal details as why this deposit has been refunded back to my XXXX by CITI Bank. 

The XXXX other transaction I made on the same day went through. as of this moment I have n't heard nor received any return from the XXXX transaction I made Which is the recipients XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX as well. 


Please kindly enlighten me of the real status of this transaction. 

Respectfully Your ' XXXX
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (MD)

I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.
Consumer complaint received 2018-05-29
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. (LA)

please please please can yall make these bureaus obey the law. when Equifax had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Experian Information Solutions Inc. (FL)

I 'm not sure that this is the correct option for this particular complaint. Here is the issue : I was told by a local government job placement training to check my credit report to enhance my chances of getting a job. I was told to go to XXXX, and that it was a free service. Indeed, when you first log onto XXXX, it says that it is completely free ( see screen capture attached ). All throughout the application process, it says that the service is free. 

I do n't remember ever going to the official Experian website. But I do remember agreeing to paying {$1.00} to find out what my credit rating was. Being that I am unemployed and have no substantial source of income, that is all I could afford to pay. 

Today, Experian withdrew {$21.00} from my checking account. When I called them, they said it was because I had logged on to XXXX, which is owned by Experian, and that I had agreed to pay the {$1.00} charge, but that since I did not cancel my membership after 7 days, I was charged {$21.00}. 

So, I went directly to the Experian website and at the top of that site, it says that you can get your Credit Report for {$1.00}. No mention is made regarding a " membership '' or a {$21.00} charge. In that same section is the call to action button, which says " Get Your Credit Report and XXXX Score. '' If you click on that button, which you normally would after reading what it says above it, you will have missed what it says only if you scroll down that page, in fine print -- that the {$1.00} charge is in fact a membership fee that turns into an additional {$21.00} after 7 days. 

This is HIGHLY MISLEADING AND FALSE ADVERTISING, especially if it is linked to the XXXX site. 

Also in the process of filling out the information for XXXX, I remember reading that, if you make false statement to Experian, you will be prosecuted by the Justice Department. I do n't remember where exactly I read this, but I was shocked because it gave the impression that credit report agencies are part of the federal government, which is misleading. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from XXXX. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per Great Lakes who is managing my Student loans. My account is in good standings. There was never any late payments on the account.
Consumer complaint received 2017-02-16
Product: Other financial service — Debt settlement
Issue: Customer service/Customer relations — 
Company: Brelvis Consulting, LLC (OH)

I hired the company The Student Loan Help Center back at XX/XX/XXXX and started paying them for services to get my defaulted student loans in the forgiveness plan to get my XXXX loans out of default for a fee of {$1500.00}, stop the wage garnishments after 5 months, and consolidate my loans after all is said and done to restart a income based repayment in 10 months time. Since that time, I have paid about {$1100.00}, only talked to my case manager XXXX 3-4 times total, and never actually provided me with a service yet. Half of my interactions with her she came off as rude, like I was wasting get time by asking get about my account and told me in XX/XX/XXXX to not even call back until she called me about the process of my forgiveness because the process took a long time. She only attempted to get a hold of one if my loan companies that controlled XXXX of my loans and never contacted the other company that had the remaining XXXX loans. I finally heard from the help center for the first time since XX/XX/XXXX on XX/XX/XXXX about a payment, but since I had them on the phone, I got transferred to my case manager to get an update and she said they were having problems contacting the XXXX loan company. I started to doubt them, so I called that one loan company and got someone on the phone within minutes. They said the help center got in contact with them in XX/XX/XXXX, sent the power of attorney paper to them in XX/XX/XXXX, and that loan company had been attempting to reach my case manager since then, but they could never get in contact with anyone from the help center and gave up on XX/XX/XXXX. I tried to contact them on XX/XX/XXXX to confront them about why I they had still not started the 10 month loan forgiveness process, why they lied to me that the one loan company was not responding to them, and to try to cancel my service with them since they had not provided me with the services they claimed they would and I was told by my case manager that they will not let me cancel or provide me with any refund at all. She then got very motivated to try to help resolve my account right then, but I told her I just would like to cancel and try to go through my loan companies directly because I needed relief now and I could n't wait for them to actually provide me with the services I have been paying them for since XX/XX/XXXX. She tried to claim that I was refusing her assistance at that point and stated I was breaking their contact that I signed and if I do n't proceed with them that the rest of my service fee of about {$400.00} would eventually be sent to collections. This company makes you feel trapped and that their services are the only solution for your problems, but the actually do n't want you to know they are charging you way too much for a service that is actually free and not as hard as they make it appear to be.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (CA)

The Amazon.com Store Card, provided by Synchrony Bank, does not explicitly tell the consumer that a fee is charged every month REGARDLESS of usage. My account was sitting idle and unused and I was not worried about it -- I had n't made a single purchase since opening. But come to find out when I log in a few weeks ago, I 've been getting charged {$1.00} per month, missing those {$1.00} payments so getting hit with late fees for all of them, and then all of those {$1.00} charges and late fees accruing interest. It 's totally wild for this to be happening on a card I have not used once and did not feel the need to monitor -- I have several other cards I do n't use, and this does not happen ... Synchrony/Amazon have reversed the late fee charges on my account, but the blemish is NOT gone from my credit report, and is still hurting me severely.
Consumer complaint received 2015-07-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (WA)

XX/XX/XXXX I agreed to " pay '' for my Step daughters ( XXXX XXXX XXXX lease deposit for her student housing XXXX, one of the conditions they had ( I found out after the fact in reading the lease ) for her was that she had to have a cosignnor in order for the lease to be signed. Bottom line when they XXXX forwarded the paperwork for me to sign ( for the lease deposit ) it was asking me to sign on her behalf for the lease. I REFUSED and immediately told her I would not. 

This company " Hunter Warfield '' within 30 days of my refusal to cosign and or sign for the lease ( On XXXX behalf ) started calling me at my place of business, my home and my cell phone weekly threatening me with lawsuits demanding me pay in full for a lease that was never signed ( THEIR OWN TERMS WERE GET A COSIGNOR WHICH SHE COULD NOT, AND NEVER DID ). She told them numerous times she could get no one to sign on her behalf. She eventually found other housing with oter students. It took me over a year just to get the harassing phone calls from Hunter Warfield to STOP. 

Now XXXXforward to XX/XX/XXXX, I decided to refinace, I have a derogatory collection account on MY CREDIT REPORT from Hunter Warfield. I have contacted them numerous times asking what and why I have a {$260.00} unpaid collection charge on my account. I have no clue what and or how this is and neither I nor XXXX ever signed anything agreeing to any charge with this company XXXX. 

in communications with a XXXX XXXX ( Manager at Hunter Warfield, he is no longer there by the way ) he did indeed admit that no lease was ever signed and XXXX XXXX never moved into this facility, he suggested I get a letter from XXXX stating I should not have any costs associated with XXXX or myself and he would work to clear this from my account. 

I got a letter from XXXX XXXX XXXX University stating just that, It is not my charge nor my Step Daughters expense whatsoever, now I 'm dealing with XXXX Hunter Warfield and he is saying now that he needs to " verify '' via letter XXXX that I do n't owe something that I have no clue as to what or why I owe any money whatsoever. 

How is it a company ( I have no idea who Hunter Warfield is, nor did I ever sign any document with them ) can just put a bogus charge on my credit report with zero back up documentation.