davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Credit determination — 
Company: STATE FARM BANK, FSB (FL)

Hi i am XXXX XXXX, i applied for a credit card at state Farm and the card was send to me and ship back to state farm cause i have moved, so since then i have been calling state farm and send the faxes and even mailed them documentations for proof of addres but the still have not correct the address and send me the card, but they already charged me XXXX $ for mantanace fee and report it to the credit bureau afecting my credit negatively, i already pay the amout but it still refleck on XXXX like credit card utilization, i dont know what else to do and i need help please.
Consumer complaint received 2016-12-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: STATE FARM BANK, FSB (FL)

MY XXXX MTG COMPANY HAS BEEN RENEWING MY MORGAGE OVER AND OVER AGAIN, THE LAST TIME ON A ONE YEAR BASIS AND ASKS FOR EXCESSIVE CLOSING COSTS OVER AND OVER AGAIN. THEY CONTINUE TO REQUEST NEW APPRAISALS ON A LOAN THAT IS OVER TENS YEARS OLD. 
I THINK I 'M BEING TAKEN ADVANTAGE OF.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (GA)

I closed my Equifax account XXXX/XXXX/XXXX after paying on XXXX/XXXX/XXXX for a remaining 28 days of service. Account was to be inactive on XXXX/XXXX/XXXX as a result of that final payment. 
Equifax charged my account again on XXXX/XXXX/XXXX for {$19.00} without my permission. Upon calling they say they will conduct an investigation. 
I am disputing the charge with my bank and felt compelled to close my bank account to avoid further charges from this company where I have lost all trust. I do believe this is a designed fraud practice. No doubt, you have heard this complaint before from Equifax.
Consumer complaint received 2022-08-04
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. (MO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (WA)

I had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day.
Consumer complaint received 2016-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Stellar Recovery, Inc. (MD)

these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why.
Consumer complaint received 2018-05-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I contact US BANK to dispute an fraudulent transaction and I was told this fraud on my savings account can't be disputed when I told them they have my account number the transaction showed my bank account this is Not an Error this is FRAUD money was taken out of my by using my account number which means my account has been compromised and I have sent the claim in for ACH entries I didn't know it was on my account until I looked through all of my transactions and saw this transaction for {$75.00} done on XX/XX/2018 # XXXX
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (GA)

stellar recovery dba XXXX keeps putting open accounts marked as past due on my credit reports i have disputed and had them removed 4 times since XX/XX/2014 they keep adding them back on my credit report even after admitting that these accounts are n't mine ... this is having a very negative affect on my scores and preventing me from buying a house
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (IN)

Sterling Jewelers calls me 8-10 times per day from random numbers in different area codes. They leave at least 2-3 voice mails per day and will not stop with the frequent and unnecessary phone calls. I work and can not answer my phone during the day. My phone is constantly ringing and I 'm forced to send the calls to voicemail.
Consumer complaint received 2016-03-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MNE Services, Inc (CA)

I have been contacted on both my personal cell phone and my employment phone by a gentleman stating his name as XXXX XXXX calling on behalf of US Fast Cash from XXXX Pennsylvania with the phone number XXXX He has been aggressive and has used foul language and insults. He has called multiple times in a short period tying up all phone lines. I have been in contact with him multiple times requesting that he no longer call my place of business but he insists that he will continue the calls until the debt is paid. The alleged scenario is that I was given a {$300.00} payday loan from US fast cash with all of my personal info such as account number and SSN involved. I allegedly never repaid this loan and now owe {$680.00} that this company wishes me to settle over the phone in payments or else I will be charged with several counts of check fraud and currency fraud in a " courthouse '' and I can even face jail time. I am not familiar with a company called US Fast Cash nor do I have any outstanding {$300.00} debts or fraudulent checks. I never gave any establishment permission to keep my SSN, bank account number or to call my work. I am being scammed to pay {$680.00} that I do not owe or else face non-stop threats and calls to my work.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CA)

I got my first bill from Sallie Mae. Its {$1400.00}, more than half of what I make in a month. I called to see what I could do. I could only pay interest on XXXX of loans, which just happen to be the cheapest XXXX and go into forbearance on the XXXX most expensive ones ( XXXX have interest rates above 8 % ). XXXX will add XXXX on to the total cost of my loans, so no. I could pay interest on the XXXX loans and pay the full monthly payment on the other XXXX, but that monthly payment is still around {$1000.00} a month. I even talked to collections, but to no avail. I have cosigners, but XXXX are still paying back their student ( and other ) loans, so theres not much they can help me with. So I either add XXXX, possibly XXXX on to the life of my loan or go into delinquency before they do anything to help me ( which is illegal ).
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (OH)

I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&L Acquisitions LLC (CA)

I have debts that were charged off many years ago. The statute of limitations for collection has long expired. Now, P & L Acquisitions has been harassing me for a year. Several phone calls per week telling me I must respond or I will end up in court. I have spoken directly with a human and told them I know the law and they must tell me the exact creditor, the exact amount they are trying to collect, and I receive absolutely NO factual information. I receive a letter at least once every two weeks. I finally sent a Cease and Desist demand letter to their " FAKE '' business address. After 15 days of never being an open business location, the post office was forced to return my letter as undeliverable. I demand that this scamming, illegal, fake, collection practice be STOPPED!!! Yesterdays phone call, from a female, was the worst. The woman declared she was a processor for the County ( what county? ) and that they will send my name to the Sheriff in 48 hours, for a service summons. THAT 'S IT! I 'm done tolerating this illegal abuse! P & L Acquisitions is all over the internet as a scam and moves from state to state. The supposed signature on their threat letters is also the signature of someone who has been deceased for several years now. SHUT THEM DOWN!
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MN)

From my citibank credit card account, I received an email telling me how many points my account had. Because I am not interested in this type of information, I clicked the email link provided to, " ... not receive future email updates from ThankYou Rewards, please CLICK HERE. " However, when the window to confirm my choice was displayed, if I chose not to receive emails about my TXXXX Rewards, I would also lose notifications about, " ... changes in my contact information. ''
Consumer complaint received 2021-09-01
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. (FL)

I sent a letter back on XX/XX/2021 in regards to some accounts that are not mine and I have yet to see the accounts removed or received investigation results from the credit bureau 's. 

I would like for you to review the letter and affidavit I submitted in regards to the accounts that do not belong to me.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I opened a Citigold checking account under the promotion code XXXX, made the required deposit on XXXX XXXX, it 's XX/XX/XXXX now and the promised {$500.00} bonus still has n't posted to my account. 

Contacted Citi regarding this issue several times, no one can give an answer as to when the bonus would post and why it has n't posted.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.
Consumer complaint received 2016-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (IL)

In XXXX of XXXX, I received a letter from Citimortgage stating that the Making Home Affordable program announced an expansion of borrower " pay for performance '' incentives for eligible loans modified under the Home Affordable Modification Program ( HAMP ). Since I did have this type of loan, I assumed this program applied to me. It lists the criteria I must meet in order to be eligible to received a {$5000.00} incentive and the {$5000.00} incentive would be applied as a lump-sum principal balance reduction payment shortly after the 6th anniversary of my HAMP Trial Period Plan effective date. It also states " that the incentive will be shown on your monthly Mortgage Account Statement, and THERE IS NO ACTION REQUIRED FROM YOU '' to get this incentive. I waited for my anniversary date of XXXX/XXXX/XXXX for the incentive to be applied. On XXXX/XXXX/XXXX, when I still did not get the incentive, my wife phoned customer service to ask what had happened and was told that I was supposed to sign the recertification papers and send them back. WHAT RECERTIFICATION PAPERS? The only paper that I received was the letter dated XXXX XXXX, XXXX, that I 've enclosed for your review. AT NO TIME, did I receive any other papers to sign or else I definitely would have signed them and sent them in. I was just under the assumption of the instructions on the letter, NO ACTION REQUIRED FROM YOU. If the letter had said, unless you send in your recertification papers by a certain date, you will not be eligible to receive this incentive, I would have called and said that I never got any such papers. Now, according to the customer service rep that my wife talked to at Citimortgage, the time has passed to send in these papers and that because I missed the deadline, I will not be getting this incentive. I feel that this letter was misleading and lead me to believe there was nothing more I needed to do to get this incentive. I ca n't begin to tell you how completely devastated I am that I will not be getting the {$5000.00} incentive. I have paid my mortgage on time for over 6 years and I think it is terrible that they can do this to me. Whatever help you can give me in this matter would be extremely appreciated.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I have a credit card with Citi Bank. 
I travelled to the XXXX in XXXX XXXX. 
I had a car crash there and I was hospitalized. 
I could not make any contact with any of my US banks for several weeks and could not make payments ( for 30 days ) to XXXX accounts. XXXX with Citibank simplicity credit card and XXXX to XXXX XXXX XXXX auto car loan. 
In XXXX XXXX, I returned to the U.S. after extensive recovery. 
I Spoke to both companies. 
XXXX XXXX 's Vice President of Operations - XXXX XXXX XXXX - understood my situation and acknowledged it was a mitigating circumstance, that I was NOT under financial hardship ( as I have paid religiously on time for several years without one single missed payment ). hence XXXX requested from the credit reference bureaus to rectify and remove the delinquencies from my credit report. The delinquencies have since been removed and reflected in my credit history and credit score. 
Unfortunately, Citi bank credit card department ( and their credit dept. + policy dept. ) refused to take into consideration any of my mitigating circumstances and refused my request. 

Their reason was : " its not a Citi bank error ''!!!! 

This is very unfortunate despite being a loyal customer with them and had never previously missed a payment on my credit crd with them prior to my car accident. 

And just like that, without any common human decency or appreciation for what I went through in the XXXX, they flat out behaved like a heartless robot and kept the delinquency on my credit report. Now this is hampering my ability to borrow or use my credit history. 

I ask for you to investigate Citi banks policy regarding this unjustified flat out refusal to help me restore my credit history to its pre-accident state. To help me, their customer, when I needed them most. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I went to Macy 's and purchased XXXX items. The clerk was pushing me to open a macy 's credit card and told me my purchase qualified for 20 % off ( up to {$100.00} ) if I opened a macy 's card. I did ( it took a while ). I was assured that the discount would appear on my first statement. The receipt for the credit card said something similar : " Your NEW ACCOUNT SAVINGS WILL APPEAR ON YOUR 1st STATEMENT, not your purchase receipts. '' I called Macy 's multiple times ( they were closed originally ( do n't open until XXXX ) ) and had a complex system that did n't recognize my account number ( and wo n't let you in until it recognizes your account number ). I spoke today to XXXX ( employee number XXXX who told me she would " manually '' put in the discount. I asked why it was n't applied originally and she had to go ask someone. I told her I was going to file a complaint. She came back and said it was because the system did n't recognize the delivery of my items. This makes no sense! 

I want Macy 's to be held accountable so folks that do n't have the ability to review all statements and remember the commitments and navigate this complicated system are n't taken advantage of. You should n't have to dispute a bill to get what was promised to you. 

I would like the practice of promising a discount to appear on your credit card statement but not on your receipt to end. This puts the onus on the consumer to try to track down that discount. It should be given immediately when the charge to the card is made. That way the receipt matches the true cost and provides documentation of what the consumer believes she is paying/owing.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

We previously had an AmEx XXXX card and purchased plane tickets through Delta using the card approximately 1 year ago. AmEx lost their business with XXXX and transferred the business to XXXX. After a recent complaint with Delta ( XXXX XXXX Delta computer crash ) they are going to refund us some $ $ $ but need to refund it to the old AmEx card that the tickets were originally charged to that no longer exists. Delta said I need a letter from AmEx stating the account is no longer valid. AmEx refuses to provide me with the letter. They state that their system will not produce a letter such as that. This is not a credit issue as we have excellent credit. We are already having an issue with XXXX failing to reflect a payment that was forwarded to them by XXXX when I sent a payment to AmEx after the switch to XXXX. I do not want to experience the same frustration.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

I had a credit card with citi. In XXXX 2014 I become XXXX and went of family leave through my job. Since then I have been completely XXXX as determined under ssdi as having a permanent XXXX. I paid each and every month a fee for credit insurance if I lost my job, or became XXXX. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency step in and help me force the bank to remove all these negative reports on my various credit reports and have the safeguard credit insurance policy do as it was advertised and the terms and conditions state is is supposed to do and finally put an end to this harassment!
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (FL)

I was denied credit as a co-signer for my son 's student loan due to CitiMortgage 's error in process/posting a paid-in-full check from my house closing. In addition, the law firm hired by Citi, XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) also exhibited servicing abuse in regards to this transaction. 
Timing in life is everything. I sold my house on XXXX XXXX, 2010. See attached closing statement. On that same day I received a letter from the law firm acknowledging this transaction so both lender and law firm were cognizant of the closing. I was unaware that the credit bureaus were going to receive inaccurate information that I have forclosed. I was never informed of this error AFTER the closing or allowed to remedy this situation CitiMortgage should have released the law firm the day of the closing. No one acted on good faith and it is a cruel act of servicing abuse where there should have been a PAUSE in the foreclosure process. This is just sloppy and fraudulent practice on their part. I ( and I 'm sure others ) were NEVER given a chance to restructure. 
Unfortunately, the lenders have a history of deficient practices that must stop.