davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

Multiple student loan entries from Navient, routinely reporting erroneous information including, not reporting deferment status on all loans, varying interest rates, and other false information resulting in high debt to credit ratio, even though in deferment. In addition, I am a XXXX service-connected XXXX veteran. I am in a documented financial hardship position on the verge of homelessness. Navient has been unresponsive in answering my questions and guiding me to options pertaining to financial hardship and debilitating injuries rendering me unemployable. I
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

I paid off the QVC Card to later find out my account is in collections. 
When making an order, I find out this account is in collections. 
I never received a notice of collections and never received a call. 
The collection company hung up on me for the first call. My second called proved they never tried to contact me via mail or spoken to me. I requested a letter of proof for this collection because I thing this is a scam or QVC is taking advantage of their customers and causing damage to their credit reports. I was informed my account was closed without a notice in the mail or a courtesy call. When I call QVC, they say this is a false statement. QVC has me running around to clear my credit and begging for answers they ca n't provide. However, this vicious cycle of credit destruction was caused by them. I 'm getting the run around.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

I opened a citi bank gold checking account with a coupon code for XXXX XXXX bonus point if I complete the requirement for the bonus. I met the requirement got the confirmation from citi that I will be given the XXXX XXXX point in 3 month. But after three month. Cit told me that they will not honor what they said adn will not give me the XXXX XXXX bonus points. 
I ask citi to honor the promotion and give me this bonus code.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I own a XXXX Home Depot XXXX Card. The very fisrt purchase was fraudulent. When I received my statement and realized the charges were fraudulent I went to the XXXX store to report the incident. The manager called the Home Depot Credit Department. I reported the incident to the police department XXXX and gave Home Depot the XXXX Police Department Phone Number and case number and the information was included on the paperwork sent back to Home Depot. When asked who I thought might be responsible I mentioned a name of a person working at my office who may have picked up the 2nd card out of my deck and used it - but I am not 100 % sure. When I asked the person if he had the second card he said he 's not sure but if he did he lost it. I have tried to contact the fraud department at Home Depot at least 6 times and when I finally get to the Fraud Department the line disconnects me. I believe I have taken all the necessary steps - reported the incident immediately upon realization, called Home Depot, cancelled the card, filled out all the requested paperwork, followed up, reported the crime to the police department, the person I think committed the fraud has been arrested before on stealing property and fraudulent use of credit cards. I am attaching all the paperwork for you to review. I continue to receive bills from Home Depot adding service fees and late charges - and I would like this entire incident to be cleared up as soon as possible.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Experian To the Corrections Department : I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. XXXX XXXX XXXX XXXX an investigation on the creditor, payment status, high credit, and the 24 month payment history. Revise every piece of information mention or erase this data from my report. XXXX XXXX Corroborate the veracity of this payment status and history, because I believe it is a mistake, please correct it XXXX XXXX XXXX XXXX XXXX am puzzled on this accounts information such as the payment status, comments, high balance, and terms. Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX XXXX Can you make sure my name is presented completely. Update. XXXX XXXX A verification is needed on the status, comments, and the payment history. There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX XXXX XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report XXXX XXXX XXXX/XXXX/XXXX Verify the date shown and the creditor name presented as I believe this may be an mistake. Verify or erase this promptly from my report. 

XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
Consumer complaint received 2017-03-29
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CA)

I was referred to Citibank in XX/XX/XXXX by my financial adviser at XXXX to explore a possible loan to purchase a house. I was interested in Citibank 's XXXX fixed, 10-year interest only loan product. 

XXXX ( XXXX ID : XXXX ) spoke with me and told me the rates and qualifications for the loan, including the need to transfer {$200000.00} to establish a relationship with Citibank, which I did. He also encouraged me to take out a home equity line of credit ( HELOC ) as a way to access the equity in my existing home to use as part of my down payment on the new home before we were able to sell our existing home, which I also did. 

Unfortunately, it turned out that nearly everything XXXX told me to get me in the door was false. The rates and qualification standards for Citibank 's loan products were not what he represented and as a result, I ultimately chose another lender for the purchase and another lender for the refinance after wasting several months going back and forth with XXXX. Even the early closure fee on the HELOC -- that XXXX expressly told me would be only {$500.00} ( see attached correspondence ) -- was misrepresented to induce me to do this loan with Citibank. It was only after I reviewed in detail the HELOC loan documents I signed that they authorize Citibank to collect a {$1500.00} early closure fee, in addition to the interest it has received over the past 6 months. Moreover, even if I had read the HELOC loan documents before signing them, it would have been too late for me to have chosen another lender for the HELOC at that point as I needed the proceeds from the HELOC loan to close the purchase of my new home. In addition, I already had established a banking relationship with Citibank by transferring {$200000.00} in investments to them instead of another bank, which steps I also did not have time to reverse. 

Now that I am paying off the HELOC, Citibank is insisting on its {$1500.00} early closure fee, which is not even " in the range of {$500.00} '' that XXXX stated in his last e-mail to me as he was trying to backtrack from what he previously told me orally when I committed to take out the loan. Plus, I had already taken out the HELOC by the time XXXX first suggested in XX/XX/XXXX that the amount could be anything other than {$500.00} and that the actual amount would be listed in the documents I signed. 

In early XX/XX/XXXX, I contacted XXXX ( XXXX ID : XXXX ), who was XXXX 's supervisor at Citibank before XXXX was terminated by Citibank, to explain the situation and ask Citibank to honor the commitment XXXX made to me that the early closure fee would only be {$500.00}. After several weeks of delays, repeated failures to return my calls and e-mails and a general lack of responsiveness to my claim, XXXX informed me on or about XX/XX/XXXX that Citibank would not honor XXXX 's promise and was relying instead on the signed loan documents to support its claim to the {$1500.00} early closure fee.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

Citibank - had fraudulent charges on my debit card. We have been filing a fraud charge for 3 weeks and they keep losing the request. We have spent 4 hours on the phone, and then call back and no one knows anything about it. The charge remains and they refuse to assist.
Consumer complaint received 2016-11-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE (OH)

I authorized a credit card purchase of {$500.00} through XXXX using my BarClayCard on XXXX XXXX, 2015. I now see that they charged me interest and a cash advance fee for the purchase. This was not a cash advance fee. I believe that because I am using their special promotion of 0 % interest for 2 years, they are trying to get some kind of money out of me. I did not authorize a cash advance on my card and nor would I. They told me I needed to speak to XXXX, which I did on a XXXX call with Barclaycard. XXXX clearly stated that they charged my card as a credit, not cash advance. I believe they should refund my almost {$50.00} worth of fees for this transaction as they can not produce a disclosure stating I would be charged a cash advance fee for this transaction.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NC)

I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (CA)

The XXXX has been attempting to collect money for a newspaper I have never received. A solicitor came to my door offering subscriptions to various magazines and the XXXX. To get rid of her, I gave her a check for {$19.00} for the times. It was supposed to be for the Sunday edition to be delivered for 2 months. The paper was never delivered, and I have never received anything from the XXXX other than bills for more money. I emailed them stating that I never received the paper and I did not want it. No newspaper ever arrived, yet requests for payment continued. I assumed it was fishing by the XXXX, so I threw them away. 
Today, I received a letter from A.R.M. Solutions which is apparently the XXXX ' collection agent. They are attempting to collect {$28.00}. I realize that it is a small amount, but it is maddening to be continually sent bills and then be put into collections for a product I never received. I am sure that were I to pay the amount they say I owe, I still would not receive any newspapers from them, nor do I want anything they have to offer ever. 
I would like this resolved so that false debt or false collections do not show up on my credit report.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2000.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$280.00}
Consumer complaint received 2015-09-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

On XX/XX/XXXX ( approximate ) I called Ally to request a change of date for my car payment. This was granted, they requested I pay an initial {$38.00} asap. ( letter dated XX/XX/XXXX ) Pmt posted before XX/XX/XXXX. Second letter instructed : Account Details Upon Finalizing the Extension-Including the scheduled payment originally due XX/XX/XXXX and all scheduled payments originally due on a monthly basis thereafter, all remaining scheduledpayments have been extended by '10 days. As a result, a scheduled payment of {$380.00} will be due XX/XX/XXXX and the remaining scheduled payments of {$380.00} each will be due on a monthly basis beginning XX/XX/XXXX. XXXX scheduled payments will be extended. The amount extended is equal to $ XXXXXXXXTo finalize vour extension. vou must pay the MINIMUM AMOUNT REQUIRED TO FINALIZE YOUR EXTENSION. As stated above this was completed. I have XXXX letters with these instructions, which I followed precisely. 

XX/XX/XXXX paid {$38.00} per letter dated XX/XX/XXXX must pay min payment to finalize your extension. New due date XX/XX/XXXX with amount due {$340.00} ( paid {$38.00} on XXXX ) and {$340.00} on XXXX paid 9 days late ( from XXXX ) = {$380.00} FOR XX/XX/XXXX PAYMENT = CURRENT and UP TO DATE. 

Per Ally Website payment historyXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtXXXX/XXXX/XXXX {$380.00} XXXX XXXX pmtAll payment are accounted for according to Thier website. 
I called several times to dispute error. They refused to correct. I disputed with Experian they refused to correct after XXXX disputes. 

please help to correct this error it is effecting my credit and ability to refinance.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

I have fraudulent activity on my Chase credit card. I reached out to them for help & they denied to help me. I hired an investigator to assist me who understands the banks rules & regulations. We sent the information to Chase Executive Offices for help & they sent a letter saying they still cant help me to return my money. We have documents showing the merchant is fraudulent & has been banned from XXXX Continents for fraud against U.S. consumers. 
I am a XXXX & a military vet. We wouls appreciate if you can assist in my case. 
We have all the documents to provide to you for proof of fraud.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (FL)

I have called and mailed the collection company information that this was not my debt. I have never heard of the doctor/facility listed on the collection item. I have asked for proof of this charge and have never been given anything to show this belongs to me. I have asked the XXXX credit bureaus to remove this as it does not belong to me. I have tried for years and no one has yet to show this is my debt.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX / account # - XXXX / {$640.00} XXXX XXXX XXXX XXXX account # - / {$2100.00} XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )/ account # - XXXX / {$68.00} XXXX XXXX account # XXXX / {$1100.00} XXXX XXXX  XXXX XXXX account # - XXXX / {$2200.00} XXXX XXXX XXXX  XXXX XXXX account XXXX - {$18.00}
Consumer complaint received 2016-04-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I leased a living room suit from Conns, I was victim of tornado disaster in XXXX 2016 which all the furniture was destroyed. Conns have called my phone at lease 5 times a day from more than XXXX different phone numbers. I have sent cease communication notice since they have placed it on my credit report as charge off. Conns is very harassing, they call my phone over and over daily from many different numbers. They have claimed that they will come get furniture but I have advised them it was destroyed in fire, they will not quit calling harassing me.
Consumer complaint received 2022-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

There was a debt from XXXX XXXX I had from XXXX. I have made multiple attempts to consolidate the debt with no avail. This debt was transferred to Jefferson Capital System and I have not received any notices or phone calls to settle the debt, Ive made multiple attempts to dispute it with the credit bureaus but to no avail. This collection is now out of the statute of limitations for the state of XXXX XXXX
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (VA)

I have made XXXX payments via US Mail from a Post Office to a Post Office Box for my full statement balance for a Chase United Visa Credit Card. All other payments to XXXX, XXXX, XXXX, XXXX, XXXX Bank, etc. have been received and processed. For the second month in a row, Chase has not " received the payments '' and proceeds to charge interest and late fees. I think they are trying to force customers to using online payments by delaying the crediting of mailed checks.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

I have paid my bills on time and have a good relationship with my creditors. However, my new JCPenny Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX a family member of mine bought a vehicle using Synchrony Bank Financial for financing. I was placed as an authorized user on this credit account. XX/XX/XXXX the account was closed and my family member continued payments until XX/XX/XXXX at which time the account went delinquent. This was then placed on MY credit as a past due account. I have made multiple attempts to call Synchrony Bank and no one can pull up anything under my information. The account # shown on all my credit reports is only linked to my family member showing me as an authorized user on the account and Synchrony bank had XXXX different employees tell me on a recorded line yesterday when I spent 4 hours trying to find information on the account that it should not be on my credit since I was not the financee and just an authorized user. This account has been detrimental to my credit rating and no one can seem to tell me why it is on my credit or even find the account with my information on it at all to tell me who to speak to about it.