davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-27
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: Experian Information Solutions Inc. (TX)

I have sent  XXXX  a letter demanding they send me what proof they have showing some accounts on my credit report and how it was reported that I owe these accounts other than just a social security number, name and date of birth.  XXXX  has refused to send me any information on this. I have filed this under Sectio n 609 ( A ) ( 1 ) ( a ) as well as my rights under section 611 of the  FCRA. A letter was sent on  XXXX / XXXX /   2017. Ins tead of doing the investigation and sending me the required documents that I ask for they have claimed that I need to basically stop bothering them over this.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a checking account at a Citibank branch in XXXX XXXX, IL on XX/XX/2016. I was assisted by XXXX XXXX, a XXXX XXXX. My intent in opening this account was to receive their offer of a {$400.00} bonus plus a referral bonus of {$100.00}. During the application process, their computers experienced a computer glitz requiring another account to be started. The first failed account caused me problems of XXXX balance warnings and service fee notices until I contacted Citibank with the issue and this account was closed XX/XX/XXXX. Despite meeting all the requirements with my active account, I did not receive my bonus and referral fee when due by XX/XX/2016. I contacted Customer Service on XX/XX/XXXX and filed a dispute. I also reported the problem to XXXX XXXX as they recommended. She was very apologetic and found out the delay was related to the first failed account and would try to get the bonuses to me ASAP. AS of this week, Citibank is claiming that a large volume of disputes is causing a 30 day delay in processing. I would like Citibank to honor its promise to credit my account with the earned {$400.00}.
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: LD Holdings Group, LLC (MI)

Hi this is XXXX XXXX XXXX started to look to refinance our house back in XXXX and found loan Depot online our current mortgage is through XXXX come the end of XXXX we were finally ready to start signing papers and finalizing this new current mortgage with loan Depot my loan officer XXXX told me not to make my XXXX payment with XXXX because things will be finalized in XXXX on XXXX XXXX we signed all the documents with a notarizer and the mortgage was supposed to send me my cash to close on XXXX XXXX I guess they said they were waiting on a credit card that I paid off to come through and did n't tell me so that took us into XXXX and now I have a late payment on XXXX Mortgage because they did n't pay it in time and now they will not help me because FHA will not allow a late payment I never missed a payment all year the only reason I missed this XXXX is because I was told not to pay it is there anyway I can continue with getting this loan or another XXXX
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Citi bank initiated redeem my reward money by check XXXX month ago, I still do not get it.I did contact to them XXXX times during that period. Yesterday I received a letter from Citi it written they do not understand what I request it do request me to send a signed letter. They did start it I did not They know what I want and asking, remember they initiated all this.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

This letter is to inform you that Equifax has failed to respond to my inquiry dispute letter that I sent certified mail on  XXXX   XXXX ,   XXXX  . As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to th e USPS,  Equifax received my dispute letter on  XXXX   XXXX ,   XXXX  .     Please remove the following inquiries from my report as pursuant t o 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connec tion with a credit or insurance transaction that is not initiated by a consumer.       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 2017-04-04
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I responded to a flyer mailed to me by Citibank and offering me {$400.00} if I would deposit minimum of {$15000.00} into a new checking OR savings account and leave it for four months. You were to qualify for the {$400.00} in the first 30 days, and then leave the account alone for 90 additional days to be able to retrieve your money. I did that at the XXXX Branch in XXXX. CA. on XX/XX/XXXX and on XX/XX/XXXX I should have had the {$400.00} available to me to withdraw if I wanted to. It is now almost a month later, XX/XX/XXXX, and no money. No {$400.00}. I was told I was the only one at this Citibank branch that had this problem and last week they opened an " investigation ''. I went to the bank for a 2nd time today and was told that the investigation response came back that I did n't qualify because I did n't open a checking account.. The same guy, XXXX, helped me today that opened up the account. I told him that he knows the flyer said either/or, and had it stipulated both, I would have opened both but it did n't so I did n't. He agreed and said he was going to keep working on it and get me my {$400.00}. Then he said something odd : He said I could take the money out but leave my account opened while the investigation is continuing. I told him, 'yeah, I can just see it now. I take my money out and you come back later and say I do n't qualify because I took my money out, even after the promotional deadline passed. '' No thanks, I want the money put in my account immediately. He said he was going to call the branch manager in XXXX in XXXX but I called for her and she 's on vacation this week. This is a scam and a fraud. I do n't believe for a second I 'm the only one with this problem and I have since found others online that have been scammed by Citibank with the very same promotion. I 'm a XXXX school XXXX and I 'm NOT going to stand for this. Please contact me at XXXX. XXXX - XXXX
Consumer complaint received 2015-10-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (TX)

Received a letter from a lawyer offering to represent since XXXX XXXX was being sued. After researching with the clerk of the court discovered that XXXX XXXX, on behalf of Citfinancial XXXX was suing. Citifinancial has illegally re-aged the date of first delinquency through deceptive practices. They NEVER sent an invoice for years yet they were drafting from XXXX XXXX 's bank account {$50.00} each month. After numerous demands for statements XXXX all thise will be attached XXXX Citifinancial gave a run around include saying the account did not exist. When statement copies were finally received it was discovered that the {$50.00} a month did not even cover the interest each month, so this would have been paid on forever. Also Citifinancial was reporting this to the credit bureaus as charged off and not reflecting that any payments were being made on it at all. 
After careful research it is clear that numerous Federal laws were broken ( see attached letter sent to XXXX, The XXXX Court, and the attorney XXXX ). 
Payment was immediately stopped to them. 
Texas XXXX XXXX XXXX stipulates the statute of limitations. This is outside of the statute as they illegally re-aged every time they took a payment. The date should be the date of first delinquency with Citifinancial. Not the date they kept taking the {$50.00}. 
Additionally by not providing a periodic statement The Credot CARD Act of 2009, Fair Credit Billing Act, and Fair and Accurate Credit Transactions Act are all in violation. Due to inaccurate reporting to the credit bureaus, The Fair Credit Reporting Act is in blatant violation.
Consumer complaint received 2021-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

Around XX/XX/XXXX, we received an alert from our ProtectMyID service, as well as XXXX credit card that a major derogatory has shown up in our credit report under the name AFNI Collections. We tried resolving it through the XXXX service but after some phone tag, they seem to have no intention of helping us further. We later received another alert - XXXX XXXX. Also note that the original Creditor account numbers are the same, so I assume that the collections account was sold from AFNI to XXXX XX/XX/XXXX. 

I contacted XXXX XXXX, found out it's a XXXX XXXX  account. I contacted XXXX XXXX, was told it's an XXXX XXXX XXXX XXXX account, and was given some information about the account, including an account number. I was then being " transferred '' to the XXXX XXXX XXXX XXXX department, but was put on a very long hold. I waited 30 minutes and gave up. Then I tried contacting AT & T UVerse directly, but the operator kept routing me to extensions where no one ever picked up the line, and the call disconnected. I am at a loss, I can't contact the company that is doing major damage to my credit. I have already submitted a report to the FTC, and planning to freeze my credit, but I need help removing this from my credit report. 

XXXX XXXX XXXX numbers called, did not receive help : XXXX XXXX Info on Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud service address : XXXX XXXX XXXXXXXX XXXX. 
North Carolina Acct. active around XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

According to my XXXX Credit Report dated XXXX XXXX, XXXX, Sears/CBNA has submitted XXXX requests for credit history information. XXXX requests were submitted in the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX. Contact was made with the, following employees of Citibank , NA the responsible party for this account, on XXXX XXXX, XXXX, XXXX was contacted, on XXXX XXXX, XXXX, XXXX was contacted and on XXXX XXXX, XXXX, Praise was contacted. All three employees stated additional credit inquiries are requested when a major change is made to the account only. Citibank does not make continuous inquiries checks on their customers. However, someone in Citibank is making monthly inquiries into my credit history and on three separate occasions have made XXXX inquires inside one month. There has been no major changes to my account, my account is in good standing. The credit inquiries started XXXX XXXX, XXXX, previous to that there were no inquiries made. I am asking Citibank to investigate this matter as these checks are being used to obtain credit history information for something other than a work related purpose.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

All   XXXX   credit bureaus have failed to keep excellent history from a mortgage i obtained in  XXXX  to  XXXX  at   XXXX   XXXX   XXXX   XXXX   XXXX  , pa. I had {$410000.00} financed. Also i had ( 2 ) leases with   XXXX   XXXX  l of North America for a   XXXX   XXXX   and a lease later in  XXXX  for a  XXXX , all in excellent payment history. I never ask fo any of this to be removed.
Consumer complaint received 2015-09-01
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CO)

I am XXXX and my wife XXXX XXXX, have a chase checking and saving accounts. Somebody scam and wire all money from XXXX accounts, in XXXX Transactions in 2 days. Ones that person who did that, was moved from saving to checking account {$3900.00}, then wired too. Everything was happen at XXXX XXXX and XXXX 2015. All details for these wire transactions included with printed statements. Chase told me, I have to make a police report for further actions ; otherwise they ca n't help me with this money refund, because 35 day already passes. My understanding is, that this scamming was done by some chase employee, because this suspect knew my balance and, or access to accounts without hawk account password nor email account password, witch is required to access both email and chase bank accounts at the same time. In 2 month, I did n't get any alerts for this scamming by phone, email nor texting, witch is supposedly to notify me and indicated for this horrible scamming ...
Consumer complaint received 2022-02-28
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (HI)

I have been making payments on my Macy Card, the last payment I made was in XX/XX/XXXX for XXXX. I also moved at that time, when I moved I changed my address with all creditors by phone and had my mail forwarded by the Post Office. When I paid my Macy Bill I also included the change of address form with my payment I mailed in, in XX/XX/XXXX. After moving all my mail was being sent to my new address, the only statement that was not being sent to me was my Macy statement. I had assumed the account was paid since bills no longer were coming to me and all my other mail/bills ect were being fowarded. I called Macy today after finding out they reported me 5 months late. I am not late on any bills so it was a shock. During the call that was today XX/XX/XXXX that I made on XXXX Hawaii Time, the lady told me the reason why they stopped sending me bills was because the bill was returned to them, with a sticker from the post office saying I didnt live at that address and I had a forwarding address and that since their servicing dept didnt remove the sticker and update their system that they stopped sending me bills. I gave her my atm card number because they demanded full payment which is fine I pay my bills but they will not issue me a letter or notify the credit bureaus that it was not my fault. She keeps saying all she would do is send me a statement showing I was late. I asked if the error is on your end why should I get dinged for it, that they should issue me a letter to correct it with the credit bureaus so I can fix my credit that was perfect. She said no and that it was my fault cause I should of called back again to change my address that I had changed already. I dont feel that I should be adversely affected since I did my part to update my billing address. All I want is for them to report to the bureaus that I was not at fault and to correct my credit rating. tahnk you
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid 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. (ID)

I have been getting charged for credit debt protection services since my account was converted to Citi Bank Best Buy Visa card from a store card. I did not authorize this service and had noticed on my credit card statement I have been getting charged varying amounts since this conversion. Per month I have been getting charged around 50 dollars for this debt protection I did not sign up for and this has been going on for longer than the last 2 years. I was denied a refund but they did cancel the debt protection. Again I did not authorize this and view this product as very predatory.
Consumer complaint received 2015-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

To sum in up apparently during computer and many other changes that the XXXX XXXX were implementing me dical bills fully covers by my then under XXXX XXXX XXXX son are now in collections and adding great stress and loss of living and vehicle purchasing needs.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX, I purchased a {$500.00} XXXX XXXX Gift Card XXXX at XXXX in XXXX XXXX. I have never been able to use this card as each time my transactions were declined. A couple of weeks later, I eventually checked the online account of the card and saw that 3 transactions have emptied the balance of that card. Transactions on XXXX and XXXX. I have never processed those transactions and the card has always remained in my drawer. On XX/XX/XXXX, I eventually filed a claim with InComm ( XXXX XXXX ) the issuer of this XXXX XXXX. On XX/XX/XXXX, I received a confirmation that the refund was approved and that I will receive a new card. Few days later, I have received a replacement card XXXX with only {$16.00}. I contacted again InComm but have not received a response.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

Dear Sir/Madam, I had a Citi Diamond Preferred credit card probably since XX/XX/XXXX approx. I went into financial problems in XX/XX/XXXX, and my debt at that time was for $ XXXX- {$15000.00} approx. Citi and I went into an arrangement where I have to pay the total of the debt with no interest for the entire term of the debt. We arranged a payment of {$250.00} per month with automatic withdrawal on the XXXX of each month. Even though I went over financial difficulties, I paid the credit card on time every single month for {$250.00} on every XXXX-XXXX of the month. XX/XX/XXXX, I changed my bank account ( XXXX accounts are XXXX XXXX XXXX ), and I forgot to inform Citi about this change, so when they withdrew the funds on XX/XX/XXXX, there were insufficient funds. Citi called me on XX/XX/XXXX, and I provided to them immediately my new bank information, and they were able to withdraw the funds ( {$250.00} ). After few weeks, I received a letter from City dated XX/XX/XXXX, where they informed that the payment arrangement has ended. Later I received my statement and noticed that Citi charged 27.99 % ( APR ) on this debt ( today the balance is only {$3000.00} - as of XX/XX/XXXX ). 

I called Citi today XX/XX/XXXX and Citi confirmed that the arrangement has ended and there is nothing they can do to reinstate the arrangement, and instead they will charge on this credit card 27.99 % APR. The employee that I spoke to was XXXX, Account Manager of Citi located in XXXX, Florida. As a courtesy she credited {$78.00} for one time ; however Citi will continue charging on this account 27.99 % APR. 

My complaint is based that Citi can not consider an arrangement breached because of a delay in the payment for 10 days that was unintentional. 

Sincerely, PC
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ASTA FUNDING INC. (NY)

I never have account with this company which XXXX XXXX XXXX XXXX Attorney freezing my bank account in XXXX XXXX. It happened also in 2009 when this same attorney freezed my bank account in different banks. After I filed complaint to the Office of Comptroller of Currency, he released all accounts. Even he knows that this is not my account but still he giving me trouble to freezing my bank account.