davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I hope this letter finds you well. I am writing to request your assistance in updating several accounts on my credit report. I have noticed that some information related to these accounts is outdated or incorrect, and I would like my report to accurately reflect my current financial situation.
Consumer complaint received 2015-09-05
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Reliable Credit Association, Inc. (WA)

the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. XXXX XXXX, XXXX and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.
Consumer complaint received 2015-10-23
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Mid-Atlantic Consumer Services (NH)

Continue to get repeated automated calls from a local number of XXXX and leaving a message to call XXXX I 'm getting these calls at work, on my cell phone and my daughters cell phone. Person never leaves their name and/or company name. They state that if i do n't call them back they will contact my HR dept and once that has happened the process can not be reversed. Now getting what appears to be another message on my cell and work number stating they are going to prosecute me to the fullest of my states laws. Law states they have 5 day to send me a letter of intent to collect on a debt with a company name, phone number, and a valid address. I have not received any of this. After googling the phone number they requested i call back, I 'm finding many complaints by others. Several people reporting the company name of XXXX. XXXX the name and could n't fine anything on the company.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (TX)

My credit amount was lowered without proper notification and valid reasoning. I called Synchrony Bank and spoke to XXXX different people and no one at Synchrony Bank could give me a valid reason for doing so. I believe Synchrony Bank is violating my consumer rights and the Equal Credit Opportunity Act.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MI)

I requested from XXXX XXXX and XXXX XXXX to remove Hard inquiries from my Equifax credit report. They have acknowledged they would. concurrently I had request Equifax to remove these inquires, knowing they should be. They have refused, however Both XXXX and XXXX XXXX have certified they should be remove. ( see attachments. )
Consumer complaint received 2015-11-24
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

A personal check was mailed to XXXX XXXX Bank for XXXX from a Citi Bank account. My bank account statement shows that the money was deducted from my account, but XXXX said they were never paid. Citi Bank is not telling me who they paid or where that money is.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016, I visited Macy 's XXXX in XXXX XXXX, TX to purchase multiple home goods. During the visit, a salesperson named XXXX repeatedly asked me if I were interested in signing up for a Macy 's credit card with the promise of a XXXX % discount. I explained that I was not interested since Macy 's was already offering XXXX % and it was not worth it to me to save the additional XXXX %. She later clarified and informed me that it was going to be a XXXX % statement credit in addition to the XXXX % that I was going to get off the sales price. I asked her if this would be XXXX % off of everything I purchased, and she stated that it would qualify for all of my purchases that day ( XXXX/XXXX/16 ) and the next ( XXXX/XXXX/16 ). She rung up my purchases ( approximately {$820.00} ), and reiterated that I would receive XXXX % off of what I just bought, she even encouraged me to go and buy a dress and additional items so I could maximize the XXXX % discount up to my approved credit card limit of $ XXXX. The next day, I returned to the store and made an additional $ XXXX purchase in home goods. Later that same day ( XXXX/XXXX/16 ), and in a different department, I explained that I was going to use my Macy 's card because I was going to get almost {$400.00} in a statement credit, and that is when a different salesperson ( XXXX ) informed me that the XXXX % statement credit was limited to {$100.00} only. I told her that was not what XXXX had told me the day before. XXXX empathized and encourage that I complain because it was not right that XXXX had deceptively and falsely encouraged me to apply for a card without stating the {$100.00} statement credit limitation. The brochure for applying for the card, which lists the {$100.00} statement limitation, was not provided to me until after I had already applied, made my initial {$820.00} purchase, and was so excited about already saving, what I thought was going to be {$160.00} in a statement credit. So I agree that the information was available to me ; however, it was not presented to me before applying nor was it stated to me during the application process. Instead, a salesperson blatantly lied to me in order to get another credit card since it 's considered " magic. ''
Consumer complaint received 2015-09-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

One day I was surfing the internet, I desired to my credit on line, I found XXXX accounts, I did n't have any knowledge of the them, I opened a disputed, and XXXX of accounts XXXX was removed from my credit report without a problem, the other account Midland Credit Management.Inc. without investigation, they desired to kept opened on my credit report, I opened a second investigation, I sent an E-mail, I explained, the reason why the account did n't belong to me, nothing happened, I got the comfirmention number from the investigation on my report ( XXXX ) with a missing number, it must be XXXX digits, I was looking for the account number I could n't find it, I contacted the Midland Credit, the person who answered my called asked me for the account number, I told him I did n't have and could n't find it in my report, then he asked me for my social security number, I told he I wo n't give to him that 's personal inf, I said to him, I started a disputed on a account with people, I can give you the confirmention number of your investigation, he replied without account number or ssn, he wo n't be able to help me and he just hang up the phone, so disrepecfull and without good manner, not giving me any other option to correct this problem, I belived those are the same people who opened this account .and was waiting for me to call them so they get full assects to social security and personal inf, I urge you please take matters in this issued and help me to bring down this people before the Law.Thank you I hope to hear from you soon.Sincerly XXXX XXXX .
Consumer complaint received 2015-10-14
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Oracle Financial Group LLC. (OH)

XXXX XXXX XXXX contacted myself, my husband, and my son 's father to get ahold of my son concerning an advance payday loan from XXXX for {$130.00} from XXXX 2014. 
XXXX XXXX XXXX stated that my son committed fraud against me. XXXX XXXX stated that he worked for the Oracle Financial Group in accordance with the XXXX County Courts. He will be changed through the XXXX County Courts if my son, XXXX XXXX, does n't call by XXXX XXXX. That was the message left on my husband 's cell phone for me. 
When XXXX XXXX called me directly, he said about the same thing, but XXXX XXXX had to call him back by XXXX or he would have the sheriff 's department go and arrest him at work and XXXX would lose his job. 
XXXX XXXX also knew all of my previous last names, my birthday, and my social security number. XXXX XXXX also stated that he would have me arrested if XXXX did n't contact him. I am XXXX and makes me afraid because of his tone and threatening attitude. He also knows my address. 
I do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other family members again.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION (NY)

A while ago I applied and was approved for a XXXX XXXX XXXX card issued by BBVA Compass bank. The most compelling feature of this card that was, was 5 % back in reward points ( BBVA Compass call it TripleDouble Rewards points ) on all purchases during the XXXX All Star weekend ( usually happens in XX/XX/XXXX XXXX Two Weeks of XXXX Finals ( usually happens in XX/XX/XXXX ). So XXXX Two Weeks of Finals starts in XXXX XXXX and I start increasing my usage of the card to finally take advantage of the 5 % back in reward points, but BBVA Compass suddenly put a hold on my card and freeze it. I understand that this happens because banks may have security or fraud concerns, but this should get resolved by a call or otherwise by confirming the validity of transactions in a reasonable amount of time. It did n't work like that for BBVA Compass, they liked to keep my card on hold while the XXXX Two Weeks of Finals were passing and the account is still on hold. They included a feature in the Reward program they they advertised that convinced but when the time to use that feature arrived, they did n't let me use it. This is bait and switch.
Consumer complaint received 2015-06-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

my name is XXXX XXXX XXXX i have XXXX mortage with sls with a 10.250 % have had this for over 10yrs i have tryed more than 2years fill out all kinds forms asky for the inerest to be lowered or refi they always say no why fill out forms if they were not willing to help the XXXX mortage is $ XXXX-was XXXX can you help with this i know the payment on {$150.00} -whn XXXX cause me to go bankrupt in 2009 i was late XXXX time now having to pay a little extra every month ths is a 30yr loan which i did not know until i went bankrupt if they new i could not get the adjustment why send form just say we can not help i need help please .this loan is not going down as it should.loan numberXXXX
Consumer complaint received 2015-11-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IN)

Citibank stopped providing me access to my accounts. They disconnect calls to customer service after hours of wait time, transfers and do nothing representatives. They have not replaced my expired debit card. After months of harassing emails to switch to paperless, I agreed. Now I do not know my account number nor the address registered to the account. I have moved from XXXX to XXXX. They will not help me regain access to the XXXX of dollars I have on deposit. I just want to have access to my money.
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NC)

I have been separated from XXXX XXXX XXXX XXXX since the beginning of XX/XX/XXXX living with my grand farther in XXXX XXXX XXXX and never gave anyone permission to sign my name and to commit fraud on my credit. She has signed my name and gave my social security no. to approximately XXXX credit card agencies maxing them out due to looking at my credit report. I have never went back to XXXX XXXX since I left in the beginning of XX/XX/XXXX. 
Below are XXXX she committed fraud and signed my name ( copied from credit report ). 
Please help me clear up all these credit cards she has committed fraud by using my social security and signing my name and do what you can to prosecute her to the fullest extent of the law.. 
Also she is on probation which should make fraud immediate. Below is her probation office number and name. 
XXXX XXXX XXXX : Probation office number, Name : XXXX XXXX or XXXX. 



MABT/CONTFIN # XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : $ XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CHARGE ACCOUNTBalance : $ XXXX Updated:XX/XX/XXXXPayment Received : $ XXXX Balance : $ XXXX Limit : $ XXXX Status : Current ; Paid or Paying as Agreed
Consumer complaint received 2015-06-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (WI)

Approximately XXXX months sgo I paid off in full XXXX mortgage with citimortgage. Last month I received a hardship letter request from citimortgage. My wife called citimortgage and they assured her it was a system glitch and it will be taken care of. Today I recriver from citimortgage a hamp and need to respond by XXXX XXXX or a foreclosure sale date may happen. I called citimort gage extremely upset. Talked to XXXX a floor manager. He too said it was a glitch. The only person to handle it was a operational manager bit refused to give out OM info including last name, phone number, or email. Stating it is against cit mortgage policy to give out such information. Also stated I 'M does not make external calls to customers referenced I 'M does n't have access to customer accounts. Keep in mind our mortgage with Citi is paid off in full! All this frustration XXXX CFPB letters sent to us ... we ca n't get anywhere with coti. Afraid a foreclsure sale date may occur on our account now. Please help!
Consumer complaint received 2015-09-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Application processing delay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Sometime in XXXX of 2015 I was approved for a Capital One Secured credit card requiring a deposit due within 80 days ( XXXX/XXXX/2015 ). I contacted Capital One on XXXX and processed the payment for the deposit ( {$200.00} ) and was advised it would take approximately 2-3 weeks to received my card. After a couple of business days, I realized the funds had n't been deducted from my account and I proactively reach out to Capital One on XXXX to understand the delay. I was advised the payment was n't processed due to some error. I was asked if I wanted to reprocess the payment but I wanted to be sure it would still be considered on-time as it was past the 80 day timeframe. The representative assured me it would be and so I authorized the payment from a different checking account. The funds were deducted from my account on the XXXX. On XXXX, I called to ensure funds had been received and that my application is being processed. To my surprise I was told as payment was received on the XXXX, beyond the 80 day timeframe, my funds were going to be refunded to me and it would take 10 business days. I requested to speak to a supervisor, who reviewed the account and acknowledge the company error and provided me with XXXX options, 1. submit a new application ( another credit inquiry impacting my credit ) and hopefully funds would be applied towards that application or wait until approximately the XXXX to be refunded. Both unsatisfactory options. I explain again that it was company error to no resolution.
Consumer complaint received 2015-09-06
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I was interested in obtaining a debt consolidation/personal loan to pay off higher interest rate credit cards. I shopped around, reviewing rates at various banks. Wells Fargo ( on their website www.wellsfargo.com ) has a payment calculator for each state, with their rates, so this is what the interest rate reflected was : XXXX for 36 months ( FL ). It does not state an APR range at all, but a fixed APR as XXXX for XXXX months, for the amount I was requesting. 


https : //www.wellsfargo.comXXXXRate and Payment Calculator ResultsThe following are results for Unsecured Personal Loan in Florida. Included are XXXX additional results that show your APR and monthly payment if you select a different term. 

Amount Term APRXXXX Monthly Payment {$6500.00} XXXX months 8.231 % {$560.00} {$6500.00} 24 months 8.247 % {$290.00} {$6500.00} 36 months 8.248 % $ XXXXXXXXReady to apply for a Wells Fargo personal line or loan? Apply NowVisit a store or callXXXXXXXX. 

This is completely deceptive ( UDAAP issue ) since then when I applied that same day, at the Wells Fargo branch in XXXX XXXX, FL ( XXXX XXXX ) I was approved at 12 %! I have stable income and my FICO SCORE is not only Excellent, but the highest range. 

Therefore, Wells Fargo is apparently deceiving their customers by stating the rate is 8.248 percent and then doing a bait and switch and saying the person is approved at 12 % ( with Excellent credit! ). 

I refused the loan, since I can get a 12 % loan anywhere and the whole purpose of the loan was to lower interest rate but wanted to let the CFPB know of this unfair and deceptive practice.
Consumer complaint received 2015-08-05
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (TX)

I refinanced on my first mortgage with Wells Fargo, and closed on a Heloc at the same time. I was supposed to get a XXXX draw on my line of credit at closing, however as the weeks passed and the draw never made it to me, Wells realized they made an error and somehow posted the XXXX to pay down the balance on my first lien. After the loan funded, and I confirmed the XXXX was in route to me, I took out a loan with XXXX ( as that was the whole premise of getting a Heloc, due to needed home repairs ). Wells has admitted many times over the last XXXX weeks ( XXXX weeks since closing ), this was their error due to a new system and the Heloc and first mortgage department not working well together, and that they would " make it right and refund the XXXX ''. I am now being told just because I live in Texas they ca n't make it right, and I am now out the XXXX. I was also told I needed to make the payment on the Heloc as of XXXX otherwise my credit would be impaired. I made that payment, however I am now paying on a Heloc payment I did n't receive, at a higher interest rate than my first mortgage. This makes XXXX sense, and Wells Fargo needs to figure out a way to right the wrong. I should n't be penalized because of living in Texas, even if this means they write a check to me for XXXX, write off my Heloc so I can apply for a new one or pay off my XXXX 's account. It 's been XXXX weeks and no one seems to be giving me updates. I asked if I needed to get an Attorney, or lodge a formal complaint and was told they handled that for me. This is a large problem. I XXXX and know that if a mistake is made, it has to be fixed. I do n't care that my first was paid down, that was n't the point of spending XXXX painful months working on a refinance with Wells.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

I submitted a claim for unauthorized charges on my debit card. At the time I was in XXXX. The rep requested information regarding the where about of my debit card wallet etc. I advised her that due to the fact XXXX I sent my personal belongings home with my sister to ensure that they were safe. In addition I advised her that my pin number was written on an identification card for my bank accounts but not stating for which account it was for. I was under the impression that XXXX my sisters many friends took my wallet due to him not being around for few days after however later learned that he did not in fact take it and my sister must have left my bag in her car at home and It was taken. I called and spoke with a supervisor and she advised since I had given my pin to someone or allowed my XXXX son to see me using my pin I am somehow responsible for charges that someone made without my approval, and it was not anyone that I knew personally. They refuse to re-open and investigate look at ATM Cams or surveillance. How am I to feel protected against fraud and misuse of my card when the bank will not protect me