davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (WI)

XXXX practice 'XXXX XXXX  '. XXXX XXXX  '. as recognise more insidious forms of XXXX that counter a very real impact on the employment chances, pay, health and finance of XXXX minorities. 

During the coarse of my tenure with XXXX they adopted acts to discredit and discriminate my account because I made all my payment timely, they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX 

XXXX would note ny accounts as past due or completely remove my account from their system to enact XXXX XXXX, due to lack of protection by Congress and/or The Department of Justice for systematic XXXX
Consumer complaint received 2020-08-20
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: GOLDMAN SACHS BANK USA (DE)

My name is XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I charged {$1400.00} to a Goldman Sachs Apple Card on XX/XX/XXXX in payment of six months of auto insurance premiums to XXXX. I canceled the policy at least 24 hours before it took affect XXXX because a much better offer came out of nowhere from another company. XXXX actually should never have charged me, but it did. This has been going on for over two months. XXXX claims to have returned the money to Goldman Sachs Bank or reversed the charges. Goldman Sachs Bank refuses to credit my account. I have been in touch with them numerous times by phone and through text support. I have all of those text records or all that my phone saves. Still, no money. GSs provisional credit is no credit at all. The Banks employees are masters of runaround and deceit. Im trying to get retired, but because of the pandemic my congregation and I agreed it would be better for all if I delayed my retirement. Had I been retired, {$1400.00} would be about 40 % of my monthly income. Suddenly Id have become one of those senior adults wondering how to pay rent. I dont know if this is an effort to scam a senior or just run of the mill thievery.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (PA)

I currently have a credit card with XXXX, & was trying to get another one as every time I go to check my credit score itll say I only have 1 open account which is too low. So I decided to apply for another one & was denied a few months ago but I just thought I mightve typed in some wrong info or something or my credit score was too low but since then my score has increased tremendously so on XX/XX/2021 I tried again and this time is placed a hard inquiry on my credit file dropping my score a total of 14 points! According to Experian So I then decided to call XXXX to see why I wasnt getting approved as my credit score was Very Good '' just to get to the bottom of it. The representative then told me it was because the time of my open account isnt long enough which was not at all communicated to me! That little piece of info was not advertised on any of their websites or explained to me, The representative then proceeded to say a letter should have been sent out explaining why but I did not in fact receive any letter detailing any of my denials so the representative tried to get me in touch with another representative so they could send those letters out but I kindly decline as it would do me no good since the harm has already been done and her kindly already explaining to me my denial. I would have clearly stopped and waited the one year mark and not intentionally harm my credit file knowing I wouldnt get approved, If I had known of this info prior to my application for new credit I simply wouldnt of done it. I simply applied for a XXXX student cash back card as I am currently a student seeking to build my credit and the promotional offers says you dont need credit to be approved and that it doesnt harm your credit when in fact it did! Im really hoping to remove this hard inquiry from credit file and bring my score back up the 14 points that was deducted according to Experian which I can not get a hold of. Ive called Experian trying to get hold of a live representative to help dispute this lack of communication from XXXX but has had absolutely no luck. Ive reached out to Discover who then also told me I would have to dispute it with my Credit Reporting Bureau which is Experian for me and I simply can not get a hold of a real life person to help assist with my issue.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NORTHWEST BANCSHARES INC (IN)

We went through the online process to open the free checking account online. It clearly stated there was no fee based on certain selections. One of those selections was estatements, but if you elected for paper statements there would be a fee. I believed I went through everything online to set up the account and elect for online statements so that there was no fee. When we get our first statement, it comes through the mail and we see a statement fee on that statement. We call a rep, don't get anywhere, request a manager, don't get anywhere, go to the local branch, and still don't get anywhere. They were very matter of fact and nonchalant and didn't seem to care they had a disgruntled customer or was losing business. They did advise that there was no way possible to sign up for estatements when signing up for the account and that it was going to automatically send us a paper statement until I logged back into the account and elected for estatements at that time unbeknownst to me. I also couldn't log back in immediately as there were several days before the online account was available to be accessed. So it seems they had some deceptive practices trying to trick a customer in getting paper statements instead of intuitively being easy to sign up for when signing up for the account.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (WI)

I applied for a Sam 's Club Credit card in XXXX or XX/XX/XXXX. I was told at this time I could use the temporary card immediately. I assumed that my membership number with Sam 's Club would be the credit card number. This was my mistake. I made two on line payments through XXXX XXXX  for purchases made. When I received my credit card from Synchrony Bank I realized my error and wrote a detailed letter to the bank explaining my error and asking that the {$110.00} payment from XX/XX/XXXX and a {$250.00} payment from XX/XX/XXXX be returned to me. I gave them my Sam 's Club account number to assist them track the payment. I also paid these sums when I received the credit statement not to be delinquent. I contacted the banks complaint division and talked to numerous managers over the past 8 months trying to resolve this issue. I contacted XXXX XXXX and had a three way conversation with Synchrony Bank, Representative 's from XXXX XXXX XXXX on line payment centeXXXX verifying that the payments where made and received/cashed by the bank. The Bank constantly had additional questions and when I requested thaXXXX XXXX XXXX ( who I made the payments through ) speak in my behalf ; this was denied. The last two conversations I had with Managers at Synchrony Bank said that they would ask that the money be returned to me immediately since it was taking too long to resolve and the second Manager ( when I did not hear anything concerning the return of my funds ) said that she found that the dollars where applied to the wrong account and she would correct this. That was 2-3 weeks ago. The account in question ends in XXXX as referenced in the banks letters constantly stating they are looking into it. I have made minimum 10 calls and everyone I talk to says they will requests the problem be taken care of but nothing is ever done. ( No one has the power to resolve the issue ) I am asking for your help. This has been going on for over 8 months and this bank owes me this money and I believe has treated me poorly.. They would be charging me 20 % interest if I had not made the additional payments which where not credited and I believe I have done everything within reason to resolve this and am being ignored by this institution. Please help me.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (OR)

XXXX XXXX sold our loan to BB & T effective XX/XX/XXXX. Our regular payment amount was XXXX and we always pay {$700.00} XXXX XXXX XXXX  voucher had a place to designate the additional payment to principal. BB & T does not have a place on the voucher to designate addt'l payment so we just write it on the voucher. They apply this amount to interest. In XXXX they did not receive our payment ck # XXXX, I was alerted by a collection call, so I wrote another check # XXXX XX/XX/XXXX for {$700.00}. They received it and applied it as {$400.00}, so I received another collection call. I had my bank research it and they told me it had been made for {$700.00} and they credited my statement for {$400.00} and charged me {$700.00}. I told XXXX at BB & T XXXX and sent her a copy of my statement. Then I asked her if she had received ck # XXXX dated XX/XX/XXXX for {$700.00} she said I needed to send her a copy of it front and back so I did. We have also written ck # XXXX XX/XX/XXXX for {$700.00} which has not cleared yet. Since they have not received the correction for ck # XXXX dtd XX/XX/XXXX I made a phone payment of {$210.00} on XX/XX/XXXX. I have been told by XXXX XXXX XXXX if you make your payment by check with a voucher you can not designate the additional payment to principal, only over the phone or online. When they receive the correction for {$300.00} I believe they are going to apply this to interest and I do not have any way to stop them from doing this.
Consumer complaint received 2022-01-17
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. (CA)

Experian still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information XXXX XXXXXXXX XXXX XXXX & XXXXXXXX XXXX  XXXX are still reporting inaccurate after your investigation multiple times.
Consumer complaint received 2020-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

On XX/XX/2020, I made a payment on the Penny Mac mobile app to satisfy my XXXX mortgage payment. 

On Friday XX/XX/XXXX a received a notification from my bank that there were insufficient funds in my account to cover this payment, payment failed, bank fees applied. 

On Sunday, XX/XX/XXXX I deposited the funds to cover my montage payment into my account and then proceeded to make another payment via the Penny Mac mobile app to satisfy my XXXX mortgage payment On Monday, XX/XX/XXXX, Penny Mac processed a retry payment and charged my account, thus satisfying my XXXX mortgage payment. 

On Tuesday, XX/XX/XXXX I received another failed payment attempt notification. The payment I made on Sunday XX/XX/XXXX was considered my XXXX payment, which I was not trying to pay. I was only trying to satisfy the XXXX payment, without knowing that I did not have to do this, but Penny Mac was going to automatically retry the collection of the payment. Which they did on XX/XX/XXXX and satisfied my XXXX payment. 
I called Penny Mac and explained the situation. I explained that I was not trying to make the XXXX payment yet and to please stop trying to collect XXXX payment. In fact my account had a negative balance as a result. The representative assured me that the payment collection attempt would be reversed and canceled. 
The next day, the payment attempt was reversed and my account no longer shows a negative balance. Great, however when I logged into my Penny Mac account it showed that they gave me two refunds and thus showed my XXXX payment as not paid. I have bank statements showing that they took my XXXX payment and I was never refunded it. They told me to call my bank because they may be holding the funds. I called XXXX XXXX and there was nothing pending. Penny Mac only reversed the last payment retry attempt but did not issue me to refunds. Now, they do not have almost {$1400.00} accounted for and its been two weeks dealing with this has no answers for me. They just stole {$1400.00} dollars from me. I did apply for forbearance due to these difficult times, to relive some stress off of me and my family, this only exasberated the stress. I have spoken to several supervisors and they are insisting that the money was refunded. It was not! One small mistake I made on my end but still paid my mortgage and they don't have the capability to track this, it is absurd. Please, please help me. No one calls me back, they say they are going to transfer me to a supervisors voicemail but it only rings and disconnects. I want to apply partial payment for XXXX while i am in forbearance to minimize the balance when the grace period ends, but I need them to update my account with the proper information and account for my money!! 

I have my XXXX bank statements attached to show the evidence that they withdrew from my account but never refunded me my XXXX payment. Also screen shots of the Penny Mac app showing two refunds and an unpaid XXXX payment.
Consumer complaint received 2022-04-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Received a Down Payment Assistance grant from XXXX XXXX as part of their 'hardest hit fund ' for {$15000.00} Sold my house and Wells Fargo is requesting me to pay {$9000.00} to them. 

I escalated this all the way up to the president 's office and not a single person can tell me what is going on. 

If the government gave ME money for down payment assistance, why am I required to pay the money back to Wells Fargo when it was never their money, to begin with. I do not feel that I should have to pay anything back since this was a grant, and on top of that if I am required to pay a portion of the grant back, it should go to XXXX XXXX and NOT Wells Fargo.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act, these XXXX  accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (WI)

I received a new Barclays XXXX XXXX credit card which would be be to be activated on XX/XX/2022. 

I closed my XXXX XXXX XXXX credit card on XX/XX/2022. 

I should have NEVER received this new Barclays credit card for use at XXXX XXXX because I closed my old credit card on XX/XX/2022. 

So this new Barclays credit card needs to be cancelled, and Barclays nor XXXX are able to assist in cancelling this credit card. I do not want this line of credit opened as it never should have been issued.
Consumer complaint received 2020-09-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc. (TX)

1. On XX/XX/XXXX, I borrowed {$420.00} from Money Key. On XX/XX/XXXX Money Key Sold account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to XXXX XXXX XXXX XXXXXXXX ( amount unknown ) 3.  XXXX XXXX reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay XXXX of the debt in order to reverse the 61 points decreased from my credit score. I stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7. The  attached documents show I paid a total of {$580.00} to Money Key. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.
Consumer complaint received 2020-09-09
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. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filling this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

I have sent a cease and desist order! This company that I do not know of continues to send me letters. I think this is my dad 's medical bill but I do not know since we have similar names and he used to live here. 

But this is not my debt.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-08
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. (KY)

Contacting a XXXX representative on XX/XX/2021, about information on my credit reports that did not belong to me and start dates for the accounts were prior to my arrival in the US. 

The representative could not find my full name in their data system and was sending information out to me to fill out and for their fraud department to contact me. She gave me the ID # XXXX and I provided my address to receive the forms. 

No information was received but one of the accounts was removed and one still showing on my credit report with Experian.
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Due to Covid 19 I didnt get a chance to go to court The car was supposed to be under bankruptcy In my wife name XXXX XXXX They reposed the car and I need some assistance please
Consumer complaint received 2020-09-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I was told that I would received results within 30 days when I file my first complaint. It has now been 40 plus days and I still haven't received anything so I guess it ok for them to LIE to me and just ignore my request