davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I went to buy a car at XXXX XXXX in XXXX on XX/XX/XXXX. XXXX XXXX said they had an XXXX but they did not have a VIN ( vehicle identification number ). They told me to call in the morning, on XX/XX/XXXX the next morning they still did not have a VIN or a vehicle. I immediately canceled the contract with XXXX XXXX on XX/XX/XXXX. XXXX XXXX refunded the {$1000.00} with Citibank on XX/XX/XXXX ( see attached documentation ). I then went ahead and purchase a XXXX XXXX from XXXX XXXX on XXXX XXXX. 

Citibank continued to charge me for my refunded {$1000.00} from the XXXX XXXX XXXX XXXX  XXXX. Citibank put this in dispute at least four times ( during which I was called dozens of times ). In that time frame I spoke with various managers ( XXXX, XXXX and numerous other supervisors ). All of the supervisors said it would get resolved but it never did. 

During this time frame I would receive calls from collections agents telling me I owed {$1000.00} plus finance charges and late fees. I paid all of my other debts that were owed to Citibank. The only charge left is the {$1000.00} plus fees it accrued. 

I have also contacted XXXX through the phone and on the website with a lengthy complaint against Citibank. I am still waiting for their response to this day. I also contacted the XXXX  State Attorney General and was told Citibank was unresponsive and they suggested that I contact the CFPB ( XXXX XXXX XXXX XXXX ). This erroneous charge has been a tremendous strain on my marriage, my business and has triggered my XXXX. My mortgage broker after reviewing my credit, suggested that I should not apply for a mortgage because of the damage Citibank has done. 

I have requested numerous times for Citibank to send me in writing a copy of the supposed contract that this is a recurring charge or any documentation that states why I am being charged {$1000.00} ( receipt attached ). They have refused to send me anything in writing and have disregarded my requests. I was also told by Citibank that XXXX XXXX refuses to credit back the funds. As you well know when the credit card machine is batched out at the end of the evening all refunds are credited back to the cards. The money was sent back to Citibank within three days. 

As of this date XX/XX/XXXX I still have no contract from XXXX XXXX or Citibank that states what the charge is for, what billing cycle it is on or when this contract supposedly ends. As previously stated there is no contract from XXXX XXXX because I did not purchase a car there. There is no maintenance agreement for the car that doesnt exist. XXXX XXXX themselves stated this. Prior to this debacle my credit score was XXXX and last I checked it went down XXXX points to XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I am writing to dispute the claim made by JEFFCAPSYS asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2016-11-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NY)

I am a XXXX who works abroad. XXXX. I recently deposited {$5000.00} from my XXXX bank account into Wells Fargo. The deposit was made on XXXX/XXXX/16. The deposit was processed. It was credited to my account. It was a " done deal. '' But then on XXXX/XXXX/16, the money had been taken out of my account by Wells Fargo, and " referred to collections '' without any explanation. The reference number is : " Foreign Check XXXX - for Collection XXXX. '' I owe Wells Fargo ( or anyone else ) no money. Basically, they just stole {$5000.00} from me without any explanation. I tried calling several times, but no one was able to help me. 

Eventually I got through to XXXX, who told me that it was all a big mistake and that Wells should not have done this. But she said they had mailed the check back to XXXX and asked them to wire the money instead ( without my consent or knowledge ). This means in addition to the foreign check fee that I paid when the check was initially deposited, my XXXX bank and Wells Fargo will be charging additional fees.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I received a call from Wells Fargo XXXX XXXX at XXXX claiming that someone was trying to cash a check written on my account. They gave me a reference number XXXX. I called the number and they asked me for my account information to verify my account. Once I gave them the information they hung up. I called back and was transferred to another department and was hung up on again. I finally looked up the phone number on the Wells Fargo website and they said that the XXXX number was not a Wells Fargo number and that the reference number was not valid. I closed the account immediately.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

Simply enough we are about to close on our construction loan next month ( XX/XX/2020 ). 

Weve been paying off massive amounts of debt in the last three months ; nearly $ XXXX of credit card debt. 

My score is making leaps and bounds as my utilization and balances are going down but yesterday my score dropped FORTY ONE points. 

I subscribe to both Experian and XXXX credit monitoring services both of which claim to help you understand and notify us of any changes and why these changes are taking place. Upon logging into Experian, all it shows is what Im going to attach to this complaint which states my score went down 41 points. 

But nowhere does it state why this occurred. As an agency that is responsible for credit reporting and formulating scores they should have to tell you why such a large decrease occurred. 

In the last two months Ive had one inquiry ran by my bank to extend our construction loan, one new credit card opened and almost $ 5k reduction in balance. One card even extended my credit limit. 

None of these things would cause my score to drop 41 points. In fact, the only incident that would cause a decline would be the hard inquiry by the bank and that wouldnt cause a 41 point decrease. 

Ive reviewed my most up to date report from both Experian and XXXX and none of them have any late payments ( never have had one ever ), no public or derogatory information. None. 

When calling Experian I was transferred eight times. I asked for a supervisor or legal department because this is not correct. I was told there wasnt anyone to talk to. I was also told broadly why scores can drop and which none apply and was given the who cares treatment. This is egregious. 

I intend to sue Experian and XXXX unless specifics of why my score dropped so drastically is provided. This should be illegal. 

Im sick of being screwed by these companies. Its bull! 

Keep in mind that Experian makes billions off consumers who buy suggested products through their site. I believe they have an algorithm that makes people believe the only way to increase their credit profile positively is to take out more credit! Its all a game and I believe Experian is guilty of nefarious behavior.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Last Thur I used the outside ATM machine at Citizens on XXXX in XXXX, Ma XXXX. The machine kept my card, for what reason I do n't know. This ATM machine is serviced by the XXXX. They service it every Thur. So I waited a week to retrieve it from the bank. Today I called and they told me they did n't have it. The woman at the bank told me if they had to service the machine in between, they might have thrown it out. So now I have to wait another week, while they order me a new card. I 'll never use that ATM Machine again, but no one should have to wait two weeks for there card, especially if it 's no fault of theirs. I love My Citizens, but a little upset with this issue. XXXX XXXX
Consumer complaint received 2018-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

I opened an account with Citibank. The terms of the promotion were Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. I opened the account end of XX/XX/XXXX and deposited the funds on XX/XX/XXXX. I met the requirements by XX/XX/XXXX. The 90 day requirement finshed on XX/XX/XXXX. I contacted the bank and they opened a case. But not update afterwards.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Elevate Recoveries, LLC (TX)

The credit report is showing 2 wrong collection in my credit report ( Elevate recoveries llc # XXXX ) and ( Elevate recoveries llc # XXXX ), i dont recognize this account as mine, these two account are a mistake or may be something else... 1 one was open on XX/XX/2023 and 2 one XX/XX/2023. Also they sowing these account in collections and opend... I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 

Please send me my updated report as soon as your investigation is completed.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I properly requested via XXXX ( attached ) the method of verification Experian used to verify a disputed tradeline on my report. Not only did Experian not share information pertaining to my disputed tradeline as required by FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) but they did not include the business name, address, or telephone number of any furnisher of information contacted in connection with such information. Without this information, there is nothing for me to be able to use to verify this invalid tradeline.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HYUNDAI CAPITAL AMERICA (CT)

XX/XX/XXXX, Incorrectly, I sent hyundai finance dept, {$6200.00} instead of {$620.00}, regular monthly payment, electronic from my bank XXXX, XX/XX/XXXX, i noticed, i sent the incorrect amount of money to the Hyundai account billing dept, called, XXXX, spoke with XXXX @ XXXX XXXX, explained the problem, asked if the payment can be cancelled, she explained, payment has not arrived electronically, she can not do anything at this time, asked if a notice can be placed to stop payment upon arrival, she said i will have to call my bank to stop payment, she hung up, called again, @ XXXX XXXX, spoke with XXXX, stated, i incorrectly sent the wrong amount to pay my bill, she stated, until the payment arrives there is nothing she can do, i can try calling my bank,, she stated, i would have to call during business hours XXXX  thru XXXX i also called my bank, they stated payment has already been sent i have to call the financial company. On XX/XX/XXXX, i sent my bank XXXX messages, no response to this date i need to get the correction made on the accout since i have other bills to pay, the monies returned to my account thank you for your time and assistance
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NH)

Navient admits to servicing three federal public loans that XXXX XXXX took out for college. These three loans are still reporting incorrectly on XXXX 's credit report. Even accepting Navient 's statement that these three loans defaulted in XX/XX/2013, the credit report still shows the three loans as " collection '' even thought they have been paid. following these entries, it says " account transferred or sold '' please fix the credit reporting by Navient to remove the " collection '' language.
Consumer complaint received 2016-08-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (VA)

There is a company named LVNV Funding reporting a collection account on my credit report, as I have a monitoring service. Well, I 've made an attempt to each this company, but apparently they have subcontracted the alleged debt to a subcontractor name Resurgent Capital. However, when trying to reach this company nobody seems to be willing to provide assistance, and it 's difficult to understand who actually owns this debt. The representative is extremely rude when I call is very disrespectful.
Consumer complaint received 2020-06-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GOLDMAN SACHS BANK USA (TX)

The lender says that the borrower ( me ) can apply for a payment workout program to help recover from missed payments due to unemployment. The lender will tell the borrower what is the minimum payment required but when the borrower submits their request the lender denies the request with for the following reason : " Payment to income ratio exceeds hardship program thresholds ''. The lender will not disclose what the threshold is that must be met. I have made 3 attempts to sign up for the program, each time offering the requested minimum payment, and calculating my income based on three different models. Each time I am denied with the same denial statement but they refuse to tell me what the threshold is that I need to meet. 

All I want from the company is to make the minimum payment during my unemployment with a promise from me that I will return to normal payments when my income is restored. I have made 6 different attempts to accomplish this but each time the representative said that no one can tell me what the threshold is and no human can give an approval - only the computer program can grant an approval.
Consumer complaint received 2015-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

I received the attached letter from Convergent Outsourcing Inc . I was shocked to learn that I owe {$210.00} to XXXX for an account I closed with no dues over XXXX years ago. I called XXXX to inquire about the claim of Convergent Outsourcing who were acting on their behalf. XXXX had billed me for a cellphone I never received and other charges. I had never heard from XXXX since I closed that account. I received no bill, I received no claim for charges on a phone. They have now pawned off a fake invoice to a third party collection agency who are impossible to get a hold off. Their is no real person available on their contact number and they have not responded to my email dated XXXX/XXXX/2015 stating my concerns. I feel very helpless and cheated and after a lot of research online I contacted cfpb. I am a XXXX and my credit score has been tarnished by XXXX 's fake claims. I can not apply for any sort of student loans or request grants owing to this. Please help me. I would be so very grateful. 

Thank you so XXXX XXXX
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (NV)

I have been a victim of identity theft since XX/XX/XXXX a person name XXXX and XXXX also stole my identity he has been audited by the tax examiner XX/XX/XXXX
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (VA)

I have a credit card with Truist. I made the payment by mail and on XX/XX/2022, they took the payment, {$4800.00}, out of my bank account. 
It is now XX/XX/2022 and the online Truist account doesn't show credit for this payment. 
I called. The clerk could find no record of this payment. She said I had to go to a branch. 
Please force them to give me credit for the money they already took and stop charging me interest on what I've already paid. 
Thank you.
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I purchased merchandise in XX/XX/XXXX and paid through my bank on time, however, the company claimed my payment was received a day late. I called in XX/XX/XXXX and explained the situation and they waived the late fees as a courtesy, and informed me that my account was zero. Thereafter I started receiving late fees again after my account was zeroed. I don't understand why I have to keep paying fees if my account was cleared in XX/XX/XXXX. The problem is that I am a full time employee and night time XXXX so I didn't even see the late fees until XX/XX/XXXX - by now they are compounded and I don't know what to do. They should be ashamed for exploiting customers like this.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian and XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late.