davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Paramount GR Holdings, LLC (WI)

This complaint is against paramount equity at XXXX XXXX XXXX XXXX, california, first they told me that my husband and I were approved, and that we should hurry to fix our upstairs bedroom, so my husband and son bought the supplies, charged it on our credit card to hurry and finish the room so the assessor could take a look at the house, then had to fix all the thing that they needed done. So we hurried to get that done. Hurry hurry to get it done. Then they needed all kinds of paper work, one of the workers said they needed one years worth of my checking with my account number on it which I thought was odd. It was to prove that I was getting XXXX. They said everything was good, then everything stop. They said they could n't find our car loan on the credit report, and kept checking our credit report, they said our car loan was not showing up. Is it going to show in a couple of days. Then they lied to us : stating that we were going to get XXXX when we signed. Then they said we did not have enough debt ratio, so they said we had to pay off our credit card and we were going to get only get XXXX dollars equity off our house. What the XXXX are they doing. Who are they to tell us what to pay? With the equity in our house. We also had to pay XXXX for the appraisal by the way and put that on our credit card. And what they did n't realize is we put over XXXX on our credit because of them. Then when I questioned all the charges they had made they gave me all kinds of explanation of what it was for. When I questioned a credit union in my home town the charges came up to XXXX. So I just did not get all the charges they had down. One more thing is that they contacted our insurance agent and told her to put my home owner insurance to send it to them. When the papers were not even close to being signed. Now I owe my insurance 2 months worth of payments to catch up on now. So I 'm writing this to see if they could get checked out. That thier on the up an up. And I would like to get reimburse for the appraisal money. I guess I ca n't use it anywhere else. After all it 's because they lied a lot on what was going on. Thank You XXXX XXXX XXXX
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Collections Enterprise, Inc. (VA)

Getting continues robocalls to my home phone number from XXXX debt collection asking me to call XXXX or XXXX. When I call these numbers they do n't provide any information and they keep on asking me my personal information. They do n't provide anything in writing and I do n't owe any dept.
Consumer complaint received 2016-10-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo on XX/XX/XXXX overnight arbitrarily changed all online account settings so that I could not see all my accounts on XXXX page. They eliminated the tabs for navigation and hide them behind a MORE + button. I am upset because I can not see my money in XXXX place as was the previous practice at Wells Fargo. If I can not see my money in XXXX place than I can not trust the bank to secure my money. 
It is my concern that the bank is separating me from my money by making it harder to find my money and harder for me to administer my accounts. Using a drop dead deadline the bank should be banned. The banks place of trust has been destroyed. I can not trust the bank to be a safe custodian of my money.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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, XXXX XXXX XXXX XXXX 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 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (HI)

My son purchased a home with a mortgage from Wells Fargo in XXXX XXXX. I paid {$150000.00} as down payment. I was listed as a co-owner on the deed. I did NOT sign the Note. The was foreclosed upon and Wells Fargo falsely sued me as having defaulted on the Note. They dragged this out for nine years, and filed many court extensions. This caused the Homeowners dues to escalate to {$10000.00} and made me liable as my son ended up committing suicide. The home finally auctioned in the courtroom in XX/XX/XXXX for way below current market value. I still have the stigma of having a foreclosure on my bureau of conveyance records. At age XXXX, I do n't need to be stigmatized after having excellent credit my whole life. Although the issue is now closed, their treatment towards me felt like senior abuse.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (VA)

Our Costco card was transferred from XXXX to Citibank, all communication to us was that it should be 'seamless '. The card went active on XXXX and the first time I signed in to set up the account was XXXX ... only to find out that our due date for our first bill had already passed, no notification ... nothing! They transferred my account transactions, but my autopay that I had set up was not transferred. I immediately paid the full balance ( before the next statement came out ) and when I received my statement there was an interest charge of {$12.00}. I called their customer service and asked for it to be removed, but they stated that it could not be done. I asked how I could ensure that no further interest charges could happen, and they tried to double talk me about average daily balance, etc. They obviously did not want to provide me clarity as to simply ensure that I will not get any more interest changes. I went online to pay any remaining charges off ( and then some to ensure that I would not get hit with interest on any pending charges ) and their system would only let me pay what for what was posted. So based on the reps description, I need to sign in every day now to pay the posted balance so there is no average daily balance ... and stop using the card until it is at {$0.00}. This is insanity. Either my autopay that was set up with XXXX should have worked, or Citi should have transferred that information over. Costco chose to change companies that it worked with ( to seemingly a horrible company in Citi if their customer service is any indication ), and it ended up negatively impacting me as a customer. An unbelievable unfair practice ... I pay attention to my finances, I 'm sure that there are many others who are more laissez-faire who are getting negatively impacted without notice.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage miles points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, on XXXX XXXX, 2016 I contacted Citi through messaging and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi through messaging that I fulfilled all terms of the offer and to expect my bonus around XXXX. 

On XXXX XXXX, 2016, I asked when will I receive my bonus AAdvantage miles and I was told that " Our promotion offers are available by invitation to specific targeted clients by an email listed and/or letter sent by mail from Citibank. " Even though I have a written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, I asked Citi again that I got written confirmation from citi represtative that offer was attached to my account but Citi denied and I was informed that my bonus would not be honoured. 


Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. The CitiGold checking account has cost me { {$60.00} } in fees so far and does not deliver its promised benefits. 

Citi must give bonus AAdvantage miles immediately and refund the {$60.00} fee that they have charged so far and or additional steps will be taken to collect my promised bonus and refund the charged fee. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Sent XXXX checks to XXXX XXXX XXXX from CapitalOne 360 account. XXXX claims they never received the checks, yet they were cashed. CapitalOne continues to fail miserably in finding where the money was ultimately sent and either crediting our account or sending the exact same amount to XXXX. It 's been nearly a year and no resolution is in site. Their latest attempt at resolution is, charitably, completely inaccurate.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (MO)

Diversified Consultants Inc. ( DCI ) pilfered my rights as a consumer as a result of not following the laws of FDCPA. DCI did not provide proper notification ( a dunning letter ) to allow me the right to dispute the validity of this supposed debt ( they claim I owe DCI ) before reporting this account to my credit report on XX/XX/XXXX ( according to my credit report review ). DCI has not provided proof that a dunning letter was sent and received before reporting this account on my credit report, despite my current and permanent address being accessible from my credit report. 

Upon my own request ( following a credit report review ) after my consumer rights have already been violated, I requested debt validation from DCI in XX/XX/XXXX. Diversified Consultants Inc. has not provided the proper documentation that illustrates I am financially obligated to pay Diversified Consultants Inc . I have attached the documentation that was provided to me that does n't have accurate information in regards to my personal information ( my residence during that time frame ). Furthermore, this documentation shows no financial obligation on my part to Diversified Consultants , Inc . This documentation has no evidence that ties me to this debt or DCI besides my printed name. The documentation they have provided is not adequate debt validation.
Consumer complaint received 2016-07-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc. (TX)

I apparently have a loan with FCI Lenders Services , Inc or with one whom they are servicing. However this company FCI Lenders Services , Inc has failed to send me statements, or provide any info such as a website on how I can obtain any info on the loan that I have been paying to them for quite some time since 2012. I have recently pulled my credit and nothing was found on my credit for FCI or of this loan at all. I have reached out to this company whom they advised me i have to reach out my request in email which I have and yet they still have failed to assist stating I now have to fax over all my personal information just for them to provide me what I feel should be given to me as the consumer. My concern is I am paying faithfully to a loan that has not been showing by credibility on my credit and they can yet provide me info on what the payoff is or breakdown of my payments.
Consumer complaint received 2016-07-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX I reviewed the suggestions on increasing my open credit accounts. Since I had only XXXX reported account ( I have little credit, to date have been a cash and carry ) and I was looking to expand per the suggestions on XXXX. American Express Blue was a suggestion for people like me. So I applied and lo and behold I was denied for too few accounts. I voiced my concern to American Express that they were advertising on a site for people like me then denying me for the very thing I applied to them for. This is a tragedy XXXX and American Express XXXX should be in sync for what they advertise as the product being touted to the consumer. Very dissatisfied and concerned. False advertising.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (RI)

I recently shopped rates for a mortgage for a new home I purchased and closed on. I completed mortgage applications with XXXX companies ( XXXX Home Mortgage companies and XXXX traditional bank ). This all ocurred within 30 days. Now that I selected XXXX company and have closed on my new home, my credit score has now dropped significantly. The main thing I see that has changed is that my credit report showed an increase of hard inquiries from each of these companies checking my credit during the application process. I thought when you shopped for rates and actually closed on a mortgage that the credit bureaus would reflect this as 1 inquiry? Could it be that the whole mortgage process from application to closing took more than 30 days? I do n't think it is right that my credit score was negatively impacted by XXXX points. The Home Loan Companies I applied to are : XXXX XXXX XXXX Bank XXXX, RI the XXXX I used ), XXXX Bank, XXXX RI, XXXX XXXX XXXX XXXX RI, and XXXX XXXX. Multiple Inquiries came from a company named XXXX, XXXX, XXXX XXXX, and XXXX. 
I am happy to provide additional specific details upon request.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I was a victim of Hurricane XXXX. I live XXXX miles from the XXXX County, XXXX ( dead center hit of the storm ). I was out of work, quarantined in my home/neighborhood, then on a curfew, completely out of service -- phone, cell, electric, heat and gas for our cars was rationed. I did not receive bills or mail, could not pay bills which resulted in falling behind in my bills. I received a government mortgage modification and it took several years to get completely back on track financially. However, regardless of the struggles and attempts to communicate with Citizens Bank they were intent on repossessing my car. Furthermore, they lied about how the money, I was advised to wire to them, was going to be allocated. In XXXX 2017, I finished paying my car loan, every penny, however, I did not receive my title. I contacted Citizens Bank only to XXXX I still owed late fees even though I was advised, late fees were covered at the time of the wired payment to Citizens Bank. I was advised the wired funds I had sent were going to be applied to late payments, as well as, fees for the late payments. However, Citizens never applied funds to the late fees. I sent a letter explaining the same to Citizens requesting relief from these late fees incurred during the natural disaster, since the bank did not apply them as they advised they would. To date Citizens bank has not responded to my letter. I also attempted to call the headquarters and could not reach anyone in my call who could confirm my letter was received ; the name of the CEO at Citizen 's ; or the correct address of the headquarters. The representative was unable to tell me anything about the bank they worked for ( ( XXXX XXXX XXXX ; customer service ). My letter was sent to XXXX XXXX ; RBS Citizens Financial Group, XXXX Citizens XXXX, XXXX RI, XXXX. In my letter to Citizens I also requested the recorded phone tapes surrounding the reposition incident be examined to support what I was told and how I was treated. 

I am requesting Citizen 's Bank waive the late fees ; send me my title ; remove any negative marks from my credit report on and following XXXX -- Hurricane XXXX. Your help is requested in contacting them and achieving this thank you
Consumer complaint received 2016-07-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank, acting for JCPenney, claims I have an unpaid credit card debt in the amount of {$47.00} from XXXX XXXX, XXXX - that is NOT a typo, it is nearly 14 years ago. 

Over ten years ago I filed for personal bankruptcy ( XXXX XXXX, PA ) ; I believed all outstanding debts were discharged and all credit accounts were closed. 

In XXXX XXXX ( last year ) Synchrony wanted to collect {$360.00} on that old debt. I emailed and said I did not owe it ; I called and spoke to them, saying there had been an error. I heard nothing further from them until last week. They write that they made " attempts '' to collect this amount, sending additional statements with its accruing fees, that in XXXX XXXX they wrote off the new total of {$540.00} " as a loss due to non-receipt of payment. '' Subsequently, they have reported me to Transunion ( and possibly other credit bureaus ) for " serious delinquency '' and " too few accounts paid as agreed. '' They have ruined my budding positive credit. 

I dispute the original amount - and I am livid over the usurious fees arbitrarily added to that amount when they failed in their duty to contact me so I could resolve this issue in a timely manner. 

In all honesty I believe them to be a debt-collection agency with some pretentious notion that styling themselves " bank '' will garner more results. I find this appalling. 

And I 'm none too happy that I 'm having to spend hours of my time to address this, especially since I think the chances of the compounded error ever being corrected are small-to-none. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.