davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

There appears to be some sort of software glitch when attempting to register for online access. Before completing the process the system assigns a random user name. Then, the system will not allow access to the account using that user name. Today I attempted using the chat service online to resolve the issue. The person identified as " XXXX '' kept disappearing. He didn't even ask what I wanted. He just told me to fill out a form. Which I did. Then, he disappeared for about 5 minutes. I was asked to verify my phone number. Then he said he could not use that number to verify my information. He said I'd need to call. So I called and spoke to one person and they said I'd need to speak with someone else. When that person came on I could barely hear them, as they appeared to have their mouth too close to the microphone. This person said that they were unable to verify my phone information. He then said he needed to end the call and call me back. Then they never called back. I called to speak with another person. That person claimed that the person I spoke to before him should have told me that they needed to send me a letter in order to enable me to have online access. Which didn't make any sense. I hung up and called back and asked to speak with a supervisor. This supervisor, who said his name was " XXXX '' was extremely rude. Claiming that I interrupted him after asking him a question and didn't let him explain. It's true I may have interrupted because i may have thought of something else to say. But, it was the condescending way he put it. Talking to me as if it was some sort of joke to him. His attitude was very unprofessional. He treated the entire phone call as if it were a prank. At one point, in response to his flippant attitude I asked him " is there how you talk to your customers ''? His response was to sarcastically say " are you my customer ''? Which was his way of confirming it is the way he talks to his customers. He refused to give me any information regarding his supervisor. Saying he didn't know. The only information I was able to get was his name ( XXXX ). He claimed he worked in Florida. The entire phone representative staff treats it all like they are pulling pranks on the people that call. Worst customer service experiences I've ever had.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (CO)

I have had a collection on the account that belongs to my room mates, in which XXXX has failed to pull the payment from default payment option in the account and have charged me a collection. Now that I have paid the owed amount because I wanted it to be removed from my Account so that it doesn't effect my credit score it still does. And when the Credit specialist tried pulling my credit score for having a mortgage loan she still sees it and I am facing difficulties as it have reduced my credit score.
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (MN)

XX/XX/XXXX, after completing the rennovations and rehab on a property, my husband turned on the hot water heaters and we smelled gas. I called XXXX, XX/XX/XXXX, and they came out XX/XX/XXXX to check the areas. There were three areas where the gas detector went off. I informed him that this was a duplex, two units, with a gas dryer and hot water heater upstairs, and furnace and hot water heater downstairs. He quickly showed me financial options. I mentioned that the prices were high. He said if I didnt allow them to do the job, they will have to shut off the gas and my tenants will not have gas. He said I needed a whole house piping with hot water heaters. The cost was going to be XXXX. I wasnt approved through Greensky, but they had me sign documents saying the job complete because they want to get paid upfront. XXXX the gas company came out XX/XX/XXXX and said the job was not done completely, and the pipes are not connected to the meter. There was still a gas leak from the dryer which they never checked. I got an invoice for XXXX, but they charged my Greensky XXXX, which is different than the actual work and the work they stated on the permit which is only for small re-piping. They now have 4 appliances running from one meter, which is against regulations and actually is a risk of combustion. Also, I told another technician I didnt want the job done, to allow me to shop around for another quote. He said " well you wont have a dryer for your tenants ''. I said I wanted to shop around. He did something and charged himself XXXX dollars for a job I did not want completed. This account and contract was made under violations against regulations of gas appliances and connection, fraud, adhesion of contract, and price gouging.
Consumer complaint received 2021-03-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have disputing a DISMISSED bankruptcy since XX/XX/2020. It has only been verified by public record which ANYONE can place items in public record! The BK courts can no longer legally verify the information therefore it needs to be removed! Since the bureaus didn't respond to my first complaint I submitted another dispute with them on XX/XX/2020 and again on XX/XX/2020. This is uncalled for the lack of what the bureaus are REQUIRED to do!
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kelsting Group, Inc. (CA)

In XX/XX/2018, I called XXXX XXXX XXXX XXXX about a reoccurring water leak from the upstairs bathroom. That same week I was given a 60 day notice to vacate the property. I moved out XXXX XXXX, paid all rents. XX/XX/2018, I received a letter and a stack of invoices for, new carpet, paint, linoleum, yard clean up, pluming totaling, XXXX. I had lived at the property for 9 years. Then I found out I had XXXX XXXX. I had XXXX and later received a bill from Pacific Credit services a collection agency in XXXX ca. I went to a mediator in XXXX Ca and XXXX XXXX told them that I caused too much damage, XXXX XXXX refused to talk to me. I am being sued for XXXX in Superior court. I answered the summons and Pacific Credit services sent me a copy of a request to the court to enter an entry of default and a court judgement against me. 
I feel that this is fraudulent collections and legal procedures
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

Experian factual base dispute here is the exact location of of XXXX XXXX XXXX federal court house in the city of XXXX totally different from what youre reporting please remove from my credit file immediately what youre reporting is Inaccurate in false Allegations see file for physical proof again removed from my credit report and please please send me an updated credit report with the deletion of that public record thank you so much Experian XXXX why in the XXXX do you think its ok to supply incorrect information? Remove this right now!
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

My current mortgage company, XXXX XXXX, transferred the servicing rights to SunTrust bank. However this company has not notified me of the transfer and I am trying to contact the mortgage department but I keep observing the phone is disconnected. I am submitting a complaint because I would like my loan servicer to be transferred to someone else or back to the original servicer.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The XXXX  XXXX debt with original creditor XXXX XXXX  but issued through XXXX XXXX XXXX XXXX  ( really unsure of the original creditor ) was paid to XXXX XXXX XXXX XXXX, XXXX on XX/XX/2022. This account is still showing on my credit report as a credit account charge-off and creditor should have removed this account.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Denied to open an account, I was discriminated against, I don't care if you have had accounts closed, do not decline someone to open a checking or savings account, banking practices, are wrong, seems like they only care about XXXX credit, stop discriminating against people with bad credit or closed accounts, these practices need to stop
Consumer complaint received 2019-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DC)

Experian routinely accepts a report of a missed payment on an account with a XXXX balance from XXXX  XXXX XXXX, Experian does not investigate the matter thoroughly. They continually accept a reported late payment from XXXX XXXX XXXX on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX ( {$0.00} ), but Experian still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX balance. FURTHER, Experian will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, XXXX XXXX XXXX first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. Experian will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have sent two affidavits DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had sent in a Police Report as well as a FTC report to Experian regarding account that I did not authorized to open. There is a XXXX account and a XXXX XXXX/XXXX account on my report that Experian failed to help me get resolved and the accounts removed from my credit report.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (CA)

XXXX 's sent my acct to Collection to Capital Management Services , LP ( XXXX 's sister company ) on XX/XX/19 for a debt of {$310.00} ( including fees charged and interests charged ). 
Regardless the account is canceled by credit grantor, XXXX XXXX is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/19 offering a settlement. According to XXXX-Capital Management Services, LP the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). 
Unfortunately, XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Unfortunately, the amount increases every month and according to the last statement released by XXXX XXXX, the actual debt increased to {$500.00} As a consumer I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by XXXX XXXX and Capital Management Services , LP. resolving this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} CFPB implements and enforces federal consumer financial laws to ensure that all consumers consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive.
Consumer complaint received 2021-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I received a notice from Wells Fargo that the escrow on my mortgage showed a projected shortage for the coming year in the amount of {$230.00} which requires an increase in my monthly mortgage payment. With my XX/XX/2021 mortgage payment of {$530.00}, I included {$230.00} and clearly indicated this money was to be applied to my escrow. I make my payments on-line. The form had individual lines for monthly payment, extra payment to be applied directly to principal, and extra payment to be applied directly to escrow where I listed the {$230.00} so it would go into escrow to make up the projected shortage. 

Instead of applying the {$230.00} to my escrow, Wells Fargo marked this payment as " Unapplied Funds '' and kept it as an " interest free loan '' to boost their bottom line. 

The new on-line payment form only has one payment line. It is impossible to make extra payments to the principal, or escrow, etc., and any money paid above your regular monthly payment is marked as " Unapplied Funds, '' which is an " interest free loan '' Wells Fargo can count as part of their " cash reserves. '' The mail-in payment form still includes lines for extra payments above the regular monthly payment to be applied to the principal for early payoff, escrow, late fees, etc., which can be conveniently misplaced so you get hit with a late payment fee since " Wells Fargo never received your check '' because the XXXX XXXX XXXX lost it.
Consumer complaint received 2019-12-09
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. (GA)

I leave a XXXX  or {$2.00} balance on my credit cards.. .as opposed to XXXX balance..

because I find it helps my credit score go up faster..

So XXXX XXXX credit card decided to turn in a one day late {$2.00} balance..

It caused a 60 point drop in my credit score!!!!

Is that fair?... I do not believe so... XXXX XXXX
Consumer complaint received 2021-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello I have written letters to Transunion and XXXX about inquiries on my credit report back in XXXX. It is now XXXX and I have heard anything back from them about the unauthorized inquiries on my credit report. I sent another round of inquiry dispute letters the end of XXXX and still nothing. The inquires on my report I have no knowledge of and didnt do them. It is hurting my score having the inquiries on my report and getting no help is very stressful.
Consumer complaint received 2022-07-20
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. (MS)

Hi I am submitting this 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 719XXXX  has me at a score around 590. 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 XXXXThis 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 2022-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NH)

HSBC froze my assets without notifying me and this resulted in returned payments for my mortgage ( XXXX Bank ), credit cards ( XXXX XXXX and XXXX ), auto loan ( XXXX XXXX XXXX ), and electric utility ( XXXX ). I was unable to access my funds held by HSBC. 

When the payments were first returned, I was assured it was an error and that all automatic payments would go through without delay. Nevertheless, additional payments were returned. HSBC later informed me that HSBC provided incorrect information and that all payments would be returned. 

At no time did HSBC acknowledge the issue and instead dismissed me suggesting I should have simply used other bank accounts to pay my monthly bills. My entire paycheck is deposited with HSBC, and I had no other account or funds available. HSBC had no problem holding onto my paychecks during this incident. 

Altogether, I received late fees and interest charges amounting to several XXXX dollars. This could have been avoided if HSBC proactively communicated about the potential fraud issue rather than waiting for me to contact them after returning my automatic payments. 

Several HSBC representatives confirmed that I would be reimbursed and would receive a call back. I never received a call back. 

I placed another call today and the representative said I would not be reimbursed and should instead work with the merchants directly. The merchants have declined to assist and instructed me to work with HSBC as it was HSBC 's fault and HSBC should be held accountable. 

I have spent more than XXXX hours on the telephone with HSBC and the impacted merchants to resolve this issue with no result.
Consumer complaint received 2021-05-21
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: CREDIT ACCEPTANCE CORPORATION (SC)

Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide me
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX Credit Card by Commenity Bank offered covid 19 assistance during the onset of the pandemic. Not only did they misrepresent but they are not honoring their commitment to waive pandemic late fees. They are lying about no records of reporting the late fee waiver.