davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-08
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliant Capital Management LLC (TX)

I received a call earlier this year stating XXXX Loan had provided a loan to me, using only my social security number and address and at 360 % interest. I told them it was fraudulent and filed a police report. I 've now received a call from a collections agency, Alliant Capital Management, stating this is due and I have 30 days to respond. I believe this is all a scam where the collections agency is intent on willing a default claim in court they hope I do n't show up for. I am working on getting an attorney to assist but believe this is criminal. Alliant Capital Management was fined and shut down in XXXX for phantom debt scams.
Consumer complaint received 2016-08-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

Applied for loan for hot tub purchase from Wells Fargo Bank. Wells Fargo declined me for the loan and I lost out on a sale price for the tub. I have very little debt with a XXXX mortgage and only {$300.00} in credit card debt. I have a XXXX credit score from XXXX. When we called the XXXX number we could not be directed to someone that could provide information on why the loan request was denied. The loan amount would have been {$3700.00}. I have since financed with another bank. The frustration from this will forever keep me from doing business with this bank.
Consumer complaint received 2016-11-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Ceannate (NJ)

I had a XXXX over the last 3 years and during that time was unable to remember many events and situations. At the time I did not have medical insurance and was left with significant medical bills of which some went in to collections, lawsuits and judgments. I will be paying on these for some time. 
This was all explained to the DOE prior to them saying they would send me a " Hardship Form ''. There apparently was a loan I signed for account # XXXX serviced by XXXX XXXX from The Department of Education. 
After I called the Department of Education on this loan and was told it went into default. I spoke to them about bringing it out of default and said they would send me a Hardship Form. As it turns out it was a deferment form so I called again and they said to just send what I could. Within a few days the Department od Education apparently placed this account into collections with a company called FMS. This company called me 5 times over the next five days and I told them not to call me anymore. I requested they only contact me in writing after checking their records of consumer complaints. 
Now the original amount of the loan was {$41000.00} interest due on this Parent Plus loan to date is {$4500.00}. FMS added {$11000.00} to the amount owed to DOE! How is that even possible, I almost had a XXXX when I got this letter. How is this possible that within one week I could go from owing {$45000.00} to {$57000.00}? 
Please help me straighten this out as this company is not going to treat me in a fair manner, at least that is my first impression. I would be happy to supply you a copy of their letter. I was going to send a certified letter to dispute the {$57000.00}, please advise. 
thank you, XXXX XXXX XXXX. 


These fees can not possibly be legal and the cavalier manner in which the DOE just forwarded this account to a collection company is not right. I have formal payment plans with the Internal Revenue Service and the State of NJ for back taxes while I was in the hospital and recovering. The treatment I received from both agencies was far better then this situation. FMS was constantly auto-dialing me at all hours of the day and evening. I have written times and various numbers they called from. Sometimes as late as XXXX.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (OR)

Last week my wife, XXXX, submitted a complaint and that case number is XXXX. Yesterday we were notified that American Express could not respond to that complaint because the primary card holder, me, or an authorized representative was not the complainant. However, my wife is my authorized representative and American Express has been negotiating with XXXX for several years. At best, American Express not recognizing my wife as my authorized representative is disingenuous and an act calculated to make a legitimate complaint against their unfair credit practices more difficult. 
By submitting this complain, I am adopting every and all statements made in case number XXXX. 
American Express told us we would have our traditional XXXX and our points reinstated once we fulfilled our repayment agreement. AmEx expressly stated : as an inducement for your successful completion of the repayment agreement, we will reinstate your traditional green card and return all membership points. Every conversation with AmEx was recorded AND AmEx acknowledges the terms are in the notes in our file. We paid AmEx in full at 0 % interest because of their promises. We incurred charges in excess of {$2000.00} for interest charged on other obligations because of the inducement made by AmEx. Now AmEx has taken the position that the traditional XXXX is not going to be reinstated because of our poor XXXX score. AmEx never told us that there was any condition to the reinstatement of the card other than the successful completion of the repayment agreement. Because I know my XXXX score is poor, I would never have entered into the repayment agreement with AmEx with the terms we did -- -- I would have paid more on my high interest cards.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

I opened a Citigold checking account because of a promotion Citi was running where if you met certain criteria with the account, they would give you XXXX XXXX XXXX miles. Well I opened the account XX/XX/XXXX and met the criteria XX/XX/XXXX. A month later I messaged a Citi representative to inquire about when I would receive the miles, and she guaranteed that I would have them in my AA account NO LATER than XX/XX/XXXX. So in between XX/XX/XXXX and XX/XX/XXXX I have been paying fees to have this account open. Well XX/XX/XXXX has come and gone, so I emailed Citi again, asking where the miles were. They then told me that they had opened an investigation of some kind, and said that I may not qualify for the promotion, even after I was told by a Citi rep that I was qualified and the promotional offer was attached to my account. This seems like a classic bait-and-switch to just get my money for the absurdly high $ XXXX monthly maintenance fee.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

There is a names listed on my credit report stating I have used. I have never used the names XXXX XXXX or XXXX XXXX XXXX. I have only used my own legal name and I would like to find out where, when and who these names were used for.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing a tax lien placed on my credit report since XXXX XXXX, 2016. I have disputed it with trans union twice and they have rejected my claim both times. The tax lien was placed on my credit report incorrectly due to my mortgage company ( XXXX XXXX ) failing to pay my county taxes. My mortgage is currently tied to an escrow and this is part of their obligation. They have recognized their error and the county has released the lien and acknowledged that it was not my fault as well. Trans Union still refuses to remove the lien from my credit report.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I opened my citigold checking account on XXXX/XXXX/2016 using the promotion code XXXX. This promotion code XXXX was for earning XXXX XXXX Points after making XXXX or more bill payments for XXXX consecutive months within 60-days of account opening. I made XXXX separate bill payments, XXXX on XXXX and XXXX on XXXX/XXXX/2016 which satisfied the bill payment requirement. Following this, I confirmed with a CSR rep that I met the requirements for the promotion and would receive the ThankYou Points. A month later, my account had to be closed due to fraudulent activity. I asked the bank if I could still receive the thankyou points if I opened a new account. They told me that I would not receive the points because my original account was never targeted for the promotion. I argued that since the CSR rep told me I met all the requirements, I should be awarded the points. They refused. I can not access my online account to provide supporting documents because it was closed due to fraud.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

There has been an issue with my Citibank account that I 've had with them for 3 months. I was mailed this offer by them that clearly stated that there was 0 % Intro APR for 18 months on balance transfers and purchases, however, I 've been charged interest on the card for my purchases, when it, again, clearly states that I was to not be charged interest for 18 months. When I called them, I was told that no interest was only for balance transfers and not his purchases, and AGAIN, the mail that I was sent by them STATES " 0 % INTRO APR FOR 18 MONTHS on balance transfers and purchases ''. I was then transferred to a supervisor who was literally no help at all, and who had the audacity to telle that in order to fix THEIR problem, I needed to mail in the letter that THEY sent. I 'm not really sure how that even makes sense, considering this was an offer they mailed out, not something that I made up. I got so fed up with this nonsense that I ended up paying {$2200.00}, along with another XXXX something dollars in interest which he did n't even have to pay for another 18 months, and closing my account with them. This was incredibly fraudulent of them. They are practicing false advertisement.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WA)

XXXX is not licensed and endorsed as a collection agency in WA state, is attempting to collect an amount beyond what they can document from the original creditor. No documentation or materials have been provided to me, subject to 809.b of the FDCPA. The response to my dispute letter should include validation of the debt before they attempt again to collect this debt.
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I have a bank account at SunTrust that I opened last year. It has a mandatory minimum of {$500.00}, or a $ XXXX monthly fee occurs, unless a direct deposit occurs to the account. I have been out of work for a number of months and I have had to use money from this account so the balance has gone below {$500.00}. As I have no job, there have been no direct deposits. A fee was charged to me last month and will continue to be till I find a job or replenish the {$500.00}, which I ca n't till I get a job.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2016, CCB/PPC ( Comenity Captial Bank / PayPal Credit ) - pay pal credit opened an account, it was found to be fraudulent and closed. However, they told me the hard credit pull would be removed from my credit report 2 months ago and it still is not removed.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide XXXX XXXX XXXX XXXX XXXX, illinoi XXXX XXXX This is a multiple offense of a company that has issued collection on my credit report. Each report was found unsubstantiated by all Credit Reporting Agencies. I placed a note on my record after each company investigated to refer to their own investigations before reporting the above and fraudulently adding same to my credit profile. They never produced a bill and can not prove the charge. I wish to report them and THE CRA 's for being negligent. I do n't know how to keep this from recurring.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NJ)

I financed my vehicle several years ago through Ally Bank ( Dealer chosen, not by me ). I set up my loan to make auto debits from my checking account. I have never made a late payment or missed a payment. In between 2 of my regularly scheduled payments I mailed in Principal payments. When I checked the status online to make sure they were received I noticed they had marked some of the future payments as being paid. I called them up and made sure they corrected these payments because I wanted them towards the Principal balance only. They corrected this however they still removed interest from my principal payment. After several calls to Ally to correct this a rep finally said Ally removes interest from every payment even if it is a principal only payment. This does not seem fair. My payments were still made on time both before and after each principal payment.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed multiple items of terms and balance information and actions taken to correct. 
they have yet to correct the information. 
I have disputed payment information accuracy directly with the merchant, card issuer or origination loan company. they were informed and have not corrected. 
In addition items that should be removed due to age have not!
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (NE)

I would like to file a formal complaint. I have a Paypal Credit account that unlike many other credit account allows for " flex '' in the credit limit. This flex allows for charges to appear to go through and be approved to be charged to PayPal Credit but in turn charge through directly to a linked checking account. This form of lending does n't seem to be fair. If the transaction is approved by PayPal, the charge on the account should be honored rather than forwarding it to the checking account. Having these additional charges go through after they appear to have been approved has caused overdrafts on checking causing me to be in bad standing with my primary financial institution. This is deceptive lending.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (TN)

On XX/XX/2017, I received an alert that a collection has been placed on my XXXX credit report by Receivables Performance in reference to a XXXX account. I tried contacting Receivables Performance directly to inform them that this account is fraudulent, and that I had this issue once before with another collection about the same account. The first representative hung the phone up in my face. The second call I asked to speak with a manager, I was placed on hold and the phone disconnected. The third call, I inform the receptionist that I need to speak with someone, she told me she could not help me, and transferred my call. Once again I could not speak with a live person about this account. I have made six attempts via telephone and was unsuccessful each attempt. I have never heard or had any communication with Receivables Performance. This is the second time a collection company has put fraudulent, inaccurate, and non-validated information on my credit report. I have all the documentation from the previous collection company, and XXXX clearly stating the account is fraudulent. Please remove this account from my experian credit file immediately.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

CFPB Complaint USAA Mortgage USAA is referred to herein as the " lender ''. 
All agreements to transact real estate were made on the basis of a 15-yr 3.0 % mortgage with 5 % down payment as approved in the prequalification process with USAA. When lender later disqualified the applicant, the only options given to the applicant were 30-year terms and interest rates near 3.75 %. In addition, the lender then enforced a 10 % minimum down payment. 
Central to this complaint is that the lender baselessly ( or without disclosing the basis ) disqualified the applicant 's rental property income ( $ XXXX/month ) while using the rental property 's mortgage ( PITI = $ XXXX/month ) as a debt in calculating the applicant 's Debt-to-Income ratio. The disqualification of this income is not a FNMA policy and the loan processor could not state the basis or origin for this decision. Upon this news, the applicant tried to remove himself from the USAA loan and change lenders on the sales contract, but this was rejected by the Seller. 
As a result in order to get the 15-year mortgage, the applicant now has to refinance with different lender in order to receive the negotiated rate and term, but now must pay all closing costs again. 

The complaints are summarized as follows : 1. Prequalified the loan applicant for a loan product for which he was disqualified after entering into a sales contract. 
2. Initially given no interest rate option that did not include points. 
3. Enforced a minimum down payment by virtue of the property being considered a condominium, even though it could be legally considered a single family detached property. 

Proposed remediation Refund all closing costs from the USAA mortgage.
Consumer complaint received 2016-05-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In 2013, I settled a Capital One account with XXXX XXXX, I accepted and paid their settlement offer. Since settlement, XXXX XXXX has removed their entry from all XXXX of my credit reports and is no longer reporting debt. Capital One has also removed their account from my XXXX report but failed to remove it from XXXX and XXXX and has failed to update the balance. I would like the following : 1. Explanation as to why Capital One removed XXXX of XXXX reports and not all. 
2. What collection agencies have been assigned to the account. 
3. Proof the debt is still owed, including information from the assigned debt collectors. 

If Capital One can not provide me with the above mentioned information I ask that they delete their final XXXX entries from XXXX and XXXX. The debt collector is assigned by Capital One, it is Capital One 's duty to report accurate information. The assigned debt collector has removed their reports from my credit report and Capital One has removed this account from XXXX, they should finish by removing the other XXXX reports.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against XXXX.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a XXXX XXXX account for XXXX XXXX XXXX dated XXXX/XXXX/2011 in the amount of {$160.00}, for what? I have no knowledge of this account, charge nor did I recieve a bill for this service. I have insurance with deductible which was met this year so what is this charge and for who, what was done? This is more false, inaccurate credit reporting. I was never notified of any bill. I want this removed from my credit report immediately.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.