davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TN)

On XXXX XXXX, XXXX, I applied for the Citi Bank XXXX XXXX XXXXXXXX Mastercard card, Application ID XXXX. The application was denied with the following official feedback from Citi bank " The credit privileges on your existing account ( s ) are currently restricted. '' The document is attached. 

Upon checking with the agent by phone on XXXX XXXX at about XXXX, I was told the account was not approved because I had a Citi card that was closed over 10 years ago and because I had 1 late fee on my Citi Simplicity Mastercard. The agent instructed me to speak with XXXX. At XXXX, I spoke with XXXX XXXX at XXXX. I read the notice received from Citi Bank and he reviewed my credit file with me. He noted that when I applied for the credit card back on XXXX XXXX Citi bank went into my credit file and make a remark on my old credit account that had an open and active dispute. The account was opened back on XX/XX/XXXX and was closed with the last activity being over 10 years ago upon the account 's closure. 

We both spoke with XXXX ( in Kentucky ) at Citi bank and her supervisor, XXXX in Maryland. I explained to them that my old credit file should not have been used to make a decision and that is unfair. They said there is nothing else that could be done at this time. Because of this, I am reaching out to address Citi Bank 's unfair lending practices.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (GA)

I called months back when I was in a financial bind and asked if they had any programs to allow me to pay but without hurting my credit. 
I was advised when I asked multiple times as my account was current and is still current that I did not want to enter into any financial program or agreement if it would report adverse or negative on my credit. 
I was promised it would not. 
however I pulled my free annual credit report and discovered I was lied to. 

this account is reported as a adverse account which is harming my credit. 

if I was not lied to I would have just left the account alone as I was current and still am. 
I have never had a late reported. 

but because it has a remark now saying paying partial agreement its showing as a adverse. 

this is frustrating when I asked numerous times and was basically lied to and now my credit is taking a hit.
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX and my ssn is XXXX I have been reporting to capital one identify theft in XXXX when I was in XXXX a credit card in the amount of XXXX whats opened and I have been disputing its currently in collection
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abbott Osborn Jacobs PLC (IA)

Abbott, Osborn and XXXX, XXXX. failed to validate $ XXXX debt in 5 days all original documents, lied to me and judge XXXX with misleading data, without permission used as plaintiffs XXXX and XXXX XXXX, XXXX. false names on legal documents ; copyright, patent and trademark infringement ; rifled mail with fake process servers trespassing, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX XXXX, XXXX. failed to validate {$200.00} debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations. 

XXXX XXXX, XXXX. # " XXXX '' and # " XXXX '' also failed to validate $ XXXX debt in 5 days all original documents, disregarded cease and desists orders, mail and wire fraud suspected ; harassment during a pandemic and Fair Debt Collection Practices Act violations.
Consumer complaint received 2021-11-24
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. (MD)

On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

My husband and I have a small mortgage with Mr. Cooper in the amount of {$280000.00}. The property is worth well over {$1.00} XXXX. We were escrowing for taxes and insurance. In XXXX the escrow account was short {$160.00} I immediately contacted the company since I had been sending excess funds towards principal reductions on a monthly basis for over a year and a half. I asked the company to reverse one of those excess payments and apply it to the shortfall to clear the record and avoid a late payment being reported to the credit agencies. The company was able to make all sorts of adjustments to my account going back several months to correct their record and mistakes, however, they were unwilling to make this adjustment to clear the payment and avoid reporting it 30 days past due for the {$160.00}. I have made many calls, sent emails, and even reached out to the CEO without resolution. I wish to formerly file a complaint towards Mr. Cooper and their treatment of clients and unwillingness to correct a mistake that negatively impacts my credit history. 

On XX/XX/XXXX I contacted the company and spoke to XXXX XXXX and asked that they reverse unapplied funds and make the account whole and take care of the {$160.00} escrow shortfall. XXXX XXXX responded and said he would check the account on XXXX and make the necessary adjustments to apply the funds, rebalance the escrow account and adjust the payment amount. Over the following days, I checked the account repeatedly to see if these adjustments had been made. Many adjustments were made, except the one to clear the {$160.00} shortfall. On XXXX I contacted XXXX XXXX XXXX again and made him aware that all of the adjustments had been made except the one to clear the {$160.00} shortfall. On XX/XX/XXXX I contacted XXXX XXXX XXXX again as I did not see the adjustment on the account. He indicated that they could not do anything about it and would be reporting our mortgage as 30 days past due because of the {$160.00} shortfall. Having been a XXXX XXXX  for XXXX years, I know this was a false statement. I pleaded with him to no avail. I then went online and found the contact information for XXXX XXXX, CEO of the company and sent him an email pleading for resolution. I have yet to hear back from him.
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OH)

On XX/XX/2020, my husband and I called a loan officer from Freedom Mortgage. She asked us many questions in order to preapprove us for an FHA loan. On XX/XX/XXXX we received a preapproval letter for the FHA loan. Since we are first time homebuyers, we were not aware she was supposed to have asked if we are citizens/ permanent residents or about our ethnicity. Neither question was asked. 
On XX/XX/XXXX, our loan officer declined our call of concern when we saw the documents included incorrect information because she was playing virtual XXXX. We contacted her assistant the following day to correct the citizenship status, the listed ethnicity of my husband, and inquire if the FHA loan was still an option. We told her our own research showed we would have to change the loan type. She assured us she had recently completed a loan with the same status. Our interest rate was locked with with FHA loan on XX/XX/XXXX. On XX/XX/XXXX, our loan officer informed us we did not qualify for FHA due to the reasons we told them back on XX/XX/XXXX. 
On XX/XX/XXXX, I asked my loan officer if we needed a different lender due to our need to close on time. She told us there would be no problem and that the loan was almost done. 
On XX/XX/XXXX, during a call with our loan officer, she told me our loan was still not done, but the latest we would have our keys would be Friday, XX/XX/XXXX. On XX/XX/XXXX, we were made to take an educational course due to being first time homebuyers. We were told back on XX/XX/XXXX that we did not have to take the course. My loan officer told me her manager would be sending us a {$75.00} money order due to the inconvenience. We signed paperwork with the notary on Saturday, XX/XX/XXXX and were not able to receive our keys until XX/XX/XXXX. My husbands ethnicity was still incorrectly recorded. He was listed as XXXX XXXX even though he is XXXX. 
I was promised a resolution by a branch manager on XX/XX/XXXX, and after multiple email requests, I have had zero communication from him since XX/XX/XXXX. 
The entire process was a nightmare. We were lied to by every employee that we had contact with. There was negligence during the preapproval process, incorrect information recorded intentionally, and consistent promising of a loan closing date that didnt come to fruition.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (TX)

Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX  obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your Equifax Credit Report.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

Hello my name is XXXX XXXX I am submitting a complaint today against the company national credit adjuster. 
Recently I was informed of a new or updated account in my credit report. 
This file I have researched to be a collections firm operating on behalf of XXXX XXXX a payday loan comp. 
The issue is that the report states it is starting on XX/XX/XXXX as well as another one on XX/XX/XXXX of this year. The original loan I believe was issued in XXXX or XXXX. 
Also the loan amount was for {$500.00} and the reports state XXXX a piece. 
Also there is no way I could have done anything regarding a new loan as the only original loan was in XXXX TX and I live in XXXX XXXX TX. And have been for 5 years Also it's my understanding that the firm in question is under restrictions from the consumer finance bureau regarding these exact practices. And I'm not a lawyer but when notified by XXXX  I was informed I could dispute the claim and they would investigate ; instead I receive a notice stating everything is correct suggesting I had provided information or documents regarding the matter this is completely false I was never offered a chance to provide info other then claiming a dispute Wich they said they would handle completely. 
Now I'm sure this is all legal somehow, But I can't help feeling as if my consumer finances are not being properly handled by either So in fact I would like to go on record as submitting a complaint against XXXX  as well cause it seems to be very one-sided about this and I'm sure it's not the first time. 
In our current scenario of mass unemployment and a recession I hardly think loopholes and working the system to keep folks in debt is hardly the American way. I could be wrong. 
Thank you for your time.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc. (MI)

I am trying to link my XXXX bank account to Self, a credit repair service because there is a fee if I use my debit card when making payments. If I link my bank directly, there is no service charge when making payments. Apparently, XXXX doesnt allow to link accounts like this.
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I have been a customer of PHH since XXXX. This month ( it is now XX/XX/XXXX ) I have not yet received a bill for XX/XX/XXXX. The usual amount is {$780.00} and I am close to paying off the loan in its entirety. I have never failed to receive a bill in a timely fashion in the past 17 years. In fact, by this time of the month I would have already received 2 bills for the following month and would be preparing to mail in my payment. PHH has a reputation for trying to foreclose on mortgages that are current.

I have phoned PHH at XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXXI was advised that no billing has been sent out. I also was strangely differently advised by another PHH phone representative, that my bill had been sent out on XX/XX/XXXX. I immediately requested that a duplicate bill be sent immediately. I further requested that a bill be sent by First Class Mail, email or fax immediately to me so I can pay on time. I spoke with an individual from the XXXX or XXXX twice I think on a very poor quality connection. I was also inappropriately advised that my payment would not be considered late until XX/XX/XXXX. I pay my bills on time, always. I pay them by the first of every month. Due to the poor quality and incomprehensible calls ( 2 of them to either XXXX or the XXXX XXXX by my request I was transferred to another individual. I have had previous experiences with PHH and have even had to involve a lawyer because of illegal and deceptive practices. 

make no mistake about this : I have NOT asked for a forbearance. I am aware of RESPA laws that in case of any mortgage servicing changes I am required to be notified of any such change. So I know that no servicing change could have occurred. 

Eventually I was transferred to XXXX in the Escalation Department on Thursday XX/XX/XXXX. She promised me an immediate bill by mail ASAP, email or fax. She has all of the relevant information to get this done. She promised to call me and has not done so. 

I demand PHH immediately send me a bill for XX/XX/XXXX. I suspect illegal activity and criminal behavior on the part of PHH. 

Thank you for your consideration in this matter. 

Sincerely,
Consumer complaint received 2020-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The XXXX PortFolio Recovery ( Phone number XXXX XXXX ) continues to call me daily/weekly/Monthly trying to collect a debt which I have advised them several times was not mine and I did not open. I have even advised them to investigate the debt as possible Identity theft but they continue to call me. The Debt, they state is with XXXX for $ XXXX plus dollars, it's listed under an address which I never lived in. I am also filing an investigation for this charge since they have placed it on my Credit Report and continuously weigh negative on my credit report. 

The Debt is not mine and I never opened a XXXX Credit Line, I am certain of this. This is the only agency continuously calling me and it's disrupting my mental health.
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (FL)

On XXXX I disputed the following items with Equifax online ( XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX # XXXX. I was then given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I disputed the following items with Equifax online : XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, and XXXX  # XXXX, and XXXX  # XXXX. I was given a confirmation number XXXX. See documents enclosed confirming this. 

On XXXX I went online to submit another dispute of erroneous information to found that the accounts I disputed back in XXXX XXXX and XXXX XXXX were still listed as under investigation. When I clicked on the " dispute not available button ''. it stated the account was still under investigation. See document enclosed confirming this.

I then checked the dispute status on both and confirmed with Equifax that these disputes had been completed XX/XX/20 and XX/XX/20. See dispute status enclosed. 

it appears that the accounts I disputed had been completed. However, Equifax has the accounts listed as still under investigation. This is a violation of the FCRA and my consumer rights. As they stated the disputes are to be completed within 30-45 days. it is well past that time and they have confirmed the disputes are complete. Whys are these accounts still listed as under investigation? Due to the fact that they failed to list the accounts in the correct status on my report- I request deletion of all accounts listed and included in this complaint. Failure to correct my report will result in civil litigation with a consumer attorney if not resolved expeditiously.
Consumer complaint received 2020-06-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Trans union and XXXX  both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that Trans Union and XXXX  both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!
Consumer complaint received 2020-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

This complaint is with 5/3 Bank. We applied for mortgage with them and it was such a horrible experience. We started the paper work XX/XX/2020 and we missed our closing date of XX/XX/2020 and two extensions our builder gave us. We wasted 82 days! We were lied to continually. We were told things such as escrowing for landscaping was allowed and that our file was in underwriting time and time again. Along with being lied to the lack of communication and knowledge. We gave them a deadline to answer 6 basic questions and we didn't get a response until XXXX that day ... just to hear them say they are looking into my questions. We had to drop them. We were able to go to another lender with the builders approval. The reason I am submitting this complaint is to forewarn others and to be on record of their doings.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LVNV FUNDING LLC ), and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) LVNV FUNDING LLC - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (IL)

I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( MIDLAND CREDIT MANAGEMENT, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX ) method of verification ; because I dont believe the investigation Is being conducted in good faith. MIDLAND CREDIT MANAGEMENT - ( {$2600.00} ) XXXX  XXXX XXXX  XXXX - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX