davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-23
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (DC)

I purchased an Infiniti SUV in XXXX XXXX and traded my XXXX Infiniti in who was financed by Wells Fargo Dealer Services. XXXX XXXX was provided a payoff in by Wells Fargo in the amount of {$27000.00} ; this amount was sent to Wells Fargo to payoff my XXXX SUV ( see attachment ). Wells Fargo Dealer Services then contacted XXXX XXXX stating an additional {$260.00} was outstanding on the XXXX SUV and this amount was paid. In the meantime Wells Fargo Dealer Services sent XXXX /30 day late payments to the Credit Reporting Companies ( for XXXX XXXX and XXXX XXXX ). In XXXX XXXX Wells Fargo Dealer Services sent me a refund check in the amount of {$74.00}, this indicates there was never {$260.00} outstanding on the vehicle. This false report has severely damaged my credit and caused me to get denied for a mortgage loan.
Consumer complaint received 2015-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I went to open an account at Bank of America and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Bank of America 's " risk department '' they stated that I had previously had a Bank of America account and it had been closed, I informed them I had NOT had a Bank of America account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Bank of America because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

It is a Best Buy credit card they call me everyday sometimes two and three times a day including Saturdays and Sunday and has been going on for the last 2 or 3 months I let them know that I am involved with a debt relief program for them to stop calling me and they have not stopped they call me Sunday mornings Sunday evenings everyday. It 's non stop 7 days a week.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MD)

My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I disputed a collection account from XXXX XXXX XXXX because the information was unfamiliar therefore inaccurate. I submitted a dispute via XXXX mail and I received an email from Equifax stating that the account had been " verified. '' None of the original creditors info was included as far as dates payments, date of XXXX delinquency, a signed original contract between me and the original creditor, a contract between XXXX XXXX XXXX and the original creditor giving XXXX the rights to collect on this debt. I asked for all these things in my letter and they were not provided from Equifax nor XXXX XXXX XXXX. Attached are the results of there investigation, this does not validate the debt
Consumer complaint received 2015-12-07
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (ME)

I recently filed a complaint with your organization and received a response from my mortgage company. I do not agree with their findings. In their response letter, they stated in the section titled, Deed In Lieu Denial, " A letter ( copy enclosed ) mailed to you on XXXX XXXX, 2015 advised that you could accept the offer to pursue a Deed in Lieu. '' My letter dated XXXX XXXX, 2015 states, " Based on a review of the information you provided, you have been approved for a Mortgage Release ( Deed in Lieu ). I have contacted XXXX offices for guidance.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-03-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

i submitted a payment on XXXX XXXX 2015 for my sons mortgage payment as i do every month and it popped up that i had to pay speed pay cause 10 or more days thats what you have to do his payment is due on the XXXX so i did. then on the XXXX i had a payment go threw my bank and they told me it was denied which it should n't have been so i went on line to my bank and so that my sons mortgage place took XXXX payments out XXXX on the XXXX and XXXX on the XXXX so i called the number for company and told the gentleman by the name of agent # XXXX his name XXXX he told me he could see that i was charged and would have them reinburse me and took down the information and said i would also get back the XXXX dollars i was charged for me to hold on till he put the information in and said it would take XXXX to 6 days i explained to him it had to be as soon as possible or my bills would bounce they can take in XXXX they should put back in XXXX he said he had it ready for approval and would put rush on it. i gave them till the XXXX and called and got a XXXX and she said she would have someone contact me. i called on the XXXX and got XXXX agent # XXXX and she would not let me speak with a manager and hung up on me. I called again on the after she hung up on me and got her again and she finally after a few words connected me to a supervisor named XXXX agentXXXX i spoke with her and explained the sittuation and she looked up and said she saw XXXX had put payment in to be reversed and then asked me to send her my bank statement showing they took the XXXX payments and she would get back to me on monday the XXXX and took my number and i did not hear from her by XXXX so i called and got XXXX agent XXXX and had a fight with her over speaking to supervisor XXXX and refused to let me speak to her and said someone would get back with me in 24 to 48 hours so i went to my bank to see if they could help get my money back cause they are giving me a run around and looks like they are not going to return me my money and the heck with my bills we are not talking a few dollars but XXXX this is the worse experience i have ever had in my XXXX years of life dealing with any company so i can only hope my bank can help me out and someone should do something with this company to be able to take what they want from a persons bank and then not want to give it back. the name of the company is ocwen loan service mtg and the number I have is XXXX and punch number XXXX or god knows where you will wind up
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HW Holding, Inc (CA)

this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop
Consumer complaint received 2015-05-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

This Complaint is against PNC Bank. 
In early XXXX 2015 I received a credit card offer in my minor son XXXX XXXX name. He was XXXX years old at that time. Also to add insult I received this mail at my physical address in which I do not receive any mail there for security reasons I receive my mail only at my XXXX XXXX XXXX. 
On XXXX/XXXX/2015 : I called PNC Bank at XXXX and spoke to XXXX XXXX at the XXXX XXXX XXXX and filed a complaint. He just apologized and could not give any reassurance this will not happen again or how it happened. 
On XXXX/XXXX/2015 I received the attached email from XXXX XXXX XXXX Escalation Specialist but to no avail. He informed me of the same above. 
On XXXX/XXXX/2015 I spoke with a lady representative from PNC Bank at XXXX and she could not explain how my minor child was getting these credit card offers. 
Now on XXXX XXXX, 2015 I received another credit card offer in my minor son name at my physical address. 
This is complete fraud. I have a PNC checking account and my son is POD on the account. This is the only information PNC has on my minor son. Why are they sending him credit card offers after I addressed my concerns with them in XXXX 2015. Also why to my physical address when I never get mail here. All my mail in regards to my checking account goes to my XXXX XXXX XXXX.
Consumer complaint received 2015-12-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

My first payment was due XXXX/XXXX/15 and it was setup to come out on my credit card automatically. I logged in on XXXX/XXXX/15 and there was red letting telling me my account was overdue and I had the option to make a XXXX time payment. I assumed the credit card transaction failed so I made a XXXX time payment with my checking account information on XXXX/XXXX/15. I then went in and set up future payments to not come from my credit card but to come from my checking account automatically, because it appeared my credit card did n't work since it said I was past due. Well, XXXX payments ended up coming out of my checking account. The first payment cleared on XXXX/XXXX/15 and the second on XXXX/XXXX/15. I immediately contacted Citizens XXXX on XXXX/XXXX/15 and explained that XXXX payments came out and I would like for XXXX payment to be credit back to me. The representative opened a " case '' and told me it could take up t0 15 days for my money to be returned. I waited until XXXX/XXXX/15 and contacted Citizens XXXX again and asked why my money had not been returned. The representative could not tell me but again opened another " case '' for someone to call me within 5 days with a status. I talked with my credit union after the call with Citizens XXXX on XXXX/XXXX/15 and they took XXXX of the double payments back from Citizen XXXX on XXXX/XXXX/15 ( they called it " MISCELLANEOUS CREDIT ACH RETURNED TO FED '' ) and the money was credited back to my checking account. I never received a call from Citizens XXXX with a status but their system does reflect a returned payment on XXXX/XXXX/15. Now, here is where I 'm concerned and Citizens XXXX has still failed to provide me with a clear concise answer. My bank account reflects the proper number of payments being made to Citizens XXXX ; however, based on the " Payment History '' on their website I have shorted them XXXX payment. Now, if you look at their " Transaction History '' I have made the proper number of payments. The last time I called Citizens XXXX was on XXXX/XXXX/15 where I simply asked the representative if my account was current and in good standing. She could not tell me wither or not it was over the phone and again a XXXX " case '' was opened up as a " complaint '' to have someone higher up call me within 2 days. It 's has been over a week now and not once over this entire situation has anyone at Citizens XXXX contacted me in regards to my XXXX, XXXX, or XXXX case. The phone representatives at Citizens XXXX do not have adequate information to answer any questions and the " cases '' seem to vanish as soon as they are entered.
Consumer complaint received 2015-08-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

Thank You, XXXX XXXX
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2015-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MD)

i bought a car and it was financed through XXXX, who sold it to santander consumer usa. i am ahead by 4 payments and this company is stealing money from me. being ahead 3 payments, they claim i was past due, how that could be i do n't know. I opened a complaint with the office of the president and have never heard anything back from them. Since the account showed past due i did n't want anything negative on my credit report so i made another payment, which made me 4 payments ahead. they took the whole payment and applied it to interest that has n't even accrued yet. So in short they are stealing from me and right in front of my face. I was told by a representative in the office of the president that its standard practice to to collect interest that has n't event accrued yet, which is theft.
Consumer complaint received 2015-12-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

Regarding account XXXX reported by XXXX XXXX XXXX to the credit bureau, Equifax. This collections company has not responded to requests to provide validation on the reported account and sends mail back as " Return To Sender ''. No correspondence has come from them, and they have made no claims to justify their right to pursue this account. XXXX and XXXX have removed this item because of failure to respond. Despite this, Equifax continues to " verify '' the account after repeated disputes, and has not complied with 611 ( a ) ( 7 ) requests to disclose THE method of verification used for this particular account, only a general statement of various possible methods with vague and unspecified procedures. Actions are FCRA 623 violations. Equifax even went so far as to remove my current address from their records after making requests for method of verification, saying that they could not honor my request because my address did not match their records. Yet, all of Equifax 's correspondence with me is to my current address. Attached are the dispute letters sent to XXXX XXXX XXXX that have received no response, as well as proof of mailings sent to their listed XXXX location that they Return To Sender. Also included is letter from Equifax stating my contact information no longer matched in their database.
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

I have reached out to ACS three weeks ago about having issues making payment on my loan. They informed me of some sort of income driven repayment and said they would send me an application. I am now a week overdue and I have not received the application. This unfortunately is not the first time I have had to deal with this type of issue with ACS and am finding them sending documents late a recurring issue. I always have to call, sometimes up to three times to get them to finally send me the document I need. This creates my account to go past due and I am then penalized. ACS needs to be a little more on top of sending me the documents I request so I can stay current.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-03-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

I am being accused of having a XXXX Card debt that I did n't pay off, so XXXX has turned over the account to another company ; Smith Debnam Narron Drake Saintsing & Myers LLP to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!