davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (DC)

CitiBank unilaterally took {$10000.00} from my XXXX  XXXX XXXX bank account on XX/XX/18 and put the money in my credit card account. 

I discovered this on XX/XX/18. I called them and the customer representative told me that they were aware of this, that a ticket has been created. Yet I was never informed nor had they made any effort at that point to return the money. 

I asked for the money back and she said that they would pay me back in 2 business days. Okay, I thought. I have time and will be able to make my mortgage. 

Today, XX/XX/18, a week later, the money still has yet to be transferred. 

I called Citibank again and asked for my money to be returned. The customer service rep said it would take another few days. I asked for the money to be wired into my bank account today because my mortgage is due and he said he could not do it. 

I asked to speak with his supervisor. XXXX got on the phone and informed me that it would take 2 business days for my money to be transferred. I asked for the money to be wired today. He said that he could not do that because he had to follow protocol. I asked if it was protocol for money to be stolen from customers accounts. No. Then, you dont need to follow protocol and return my money. He said he could not do that. 

I asked why it wasnt returned in the 2 business days as I was promised. He said because the money went into validation. I asked why I wasnt informed. No answer. He said it went into validation because it is a lot of money. I said, clearly I know it is because I need to make mortgage and I cant. I asked for compensation so I could pay my mortgage. He refused. He said they gave me extra award??? I dont think extra awards are going to help me pay my mortgage. 

I asked to speak to his supervisor, someone who could authorize my money to be wired today. He said he could schedule a call in 24 to 48 hours. 

I screamed at him to give me back my money. He hung up on me. 

I called back and spoke with XXXX XXXX. She said that she could not tell me when the money would be returned. That it is in approval. They would inform me when it is out of approval.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. Bank of America reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. Bank of America is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how Equifax verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXXr. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have been trying to get incorrect information off my credit report and by doing so I noticed they continue to add items that do not belong to me. I am getting frustrated, I understand my name is somewhat common but my social security number is NOT. Experian is now reporting even more things that are NOT XXXX. It appears as I try to get these mistakes off my report they just add more to make things even more complicated.
Consumer complaint received 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

Harassing calls multiple times per day. Ive informed them numerous times they have the wrong person. They are asking for XXXX XXXX who I have never heard of. They dont care that they have the wrong number. They keep calling. 
The company is sunrise credit services in XXXX NY.
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (VA)

On XX/XX/XXXX My XXXX  sent this company a letter stated that this account is not mines its has been over 30 days and the fair credit report act states by law that you have 30 days to respond to my letter i have also contacted this company and told them my self that the debt is not mines if this issue doesn't get resolve i have no choice but to use legal actions my XXXX  and i are giving you a fair Waring please contact the main credit bureaus and tell them to remove this from my credit report ASAP
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

I am on my 3rd leasing contract with Honda Financial Services. I leased my XXXX vehicle in XX/XX/XXXX. During that time, I was over my mileage for my XXXX vehicle in which the vehicle was surrendered. I received a bill in XXXX in which I was advised to pay {$1300.00}. I also received a phone call from a gentlemen advising me to pay a little shy under {$170.00} per month to satisfy the past due amount. I explained to him it wasn't feasible for me to satisfy that amount since I'm already paying over {$300.00} for the newly leased vehicle. It was explained to the representative that I could pay {$50.00} per month at a minimum. I asked during the call if this account would affect my credit and was told no. I was also not told during the call that the monthly amount being requested was finalized and could not be changed. My initial payment on the XXXX vehicle was XX/XX/XXXX ( {$50.00} ),  XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$50.00} ). Today, XX/XX/XXXX, I received a call from Honda stating I am 117 days past due on my account and it needs to be resolved today before taken any further. The initial lady I spoke with call was disconnected so I had to call back. I ended up speaking with XXXX who informed me that the monthly amount I was told to pay was not a formal agreement however the amount is being reported on my account and is 117 days past due. I was asked to confirm an amount I'm comfortable with so the account didn't go any further. I asked how can the account go any further, when Honda has been accepting my monthly payments? I informed XXXX I can pay {$50.00} at a minimum per month. When the balance was split into about 22 months, the agreed amount calculated to {$50.00} and will be due on the XXXX of each month. So it's safe to say, the " formal agreement '' took place on XX/XX/XXXX which was 4 months from when the initial was generated. I would like to have the inquiries disputed that's being reported by Honda Financial Services to be investigated and be reversed.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

I had a Citibank Mastercard opened around XX/XX/XXXX. I'm thinking several years after I had my Mastercard with Citibank and some other accounts that I had. I had to file bankruptcy do to being unemployed at the time. While within the last 2 weeks I had applied for a secured Mastercard with Citibank and they denied me because I filed bankruptcy in the XX/XX/XXXX. I assumed after a person credit reports were cleared that they can we apply for credit again, and even if it's with the same creditors. 
How can a bank still hold something against a person something that happened over 20 years ago.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I went back to XXXX to turn in my lease. I made the last payment and filled out paperwork to turn vehicle back in. XXXX took pictures of the vehicle and had me sign off on paperwork that was going to be turned in to Ally auto. That day I purchased a new XX/XX/XXXXXXXX and placed it on a lease. 

A month after, I received email and a notice in the mail stating that I didnt turn in my vehicle. I called XXXX to talk to my sales rep and a manager told me that my sales rep no longer worked for the company. I was told by the manager they had several attempts on sending the needed documentation to Ally and werent sure why the information wasnt getting received. I was told they would make sure they send it over and that I wouldnt have to worry about it. 

The notices in the mail continued however I figured they werent something I needed to worry about because XXXX would take care of it. 

XXXX I called Ally and they stated they never received documentation, stating that I would have to take care of a balance. I requested for an email for documentation purposes and was told they wouldnt be able to email me. 

XXXX I called XXXX and notified manager about my conversation with Ally. I was told they would take care of it and would call me back.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

I have recently been trying to obtain a consolidation loan. I have repeatedly been denied and when I check the reasons for my denial, the responses include : Serious delinquency and too few accounts currently paid as agreed. These are false statements because I have an exceptional payment record according to my actual credit reports that I have sent for, as well as credit monitoring on XXXX XXXX and XXXX XXXX. I have repeatedly called all three credit bureaus asking why they keep giving these responses to the lenders I apply to but they have no answer to give me. I realize my credit score is not yet at 700, but it is not because of serious delinquency or too few accounts paid as agreed. These are most definitely false statements. I will agree that my proportion of balances to credit limits on bank/national revolving accounts is too high, however that is why I am applying for a consolidation loan. In addition, the credit report states that the proportion of loan balances to loan amounts is too high. This is also untrue as my XXXX loan has gone down from {$7000.00} to {$4500.00}. I am currently paying on a car loan, however the balance has taken a long time to move because I had to pay for GAP insurance coverage first before I could start paying on the principal. I feel these false statements are very unfair and unjust.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last week I received an email from.my bank, XXXX XXXX, that my XXXX XXXX had dropped XXXX points suddenly. After going into my bank app, I looked at my credit reporting section, and there was an account through Bank of America with me as an authorized user. This account was opened in XX/XX/XXXX and has a limit of {$24000.00}, and a balance of {$79.00} according to this report. I immediately called XXXX XXXX XXXX department to confirm using my name, address, social security number etc, we were able to verify the accounts existence, but because my phone number wasn't matching the account, I wasn't able to find out any more details due to the account being locked. The person on the phone from XXXX  advised me to go into a branch after XXXX hours to resolve the issue. I went into a branch today and the XXXX was unable to find the account. 

I'm worried something serious is happening here because I had an unemployment debit card during the beginning of the pandemic in XXXX. I was receiving unemployment benefits via Bank of America until I was no longer eligible for benefits. I'm concerned that someone got my information and used it to open an illegal account due to commission practices and pressure from managers, much like how XXXX XXXX did in XXXX that landed them in that giant lawsuit. Either way, my inormation was used without my knowledge or consent and no one is offering me any help. This is unacceptable.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MI)

i have been receiving an extra charge every year recently from seterus company. last year i just paid the extra amount they requested, but this year they sent me a bill in the amount of {$2600.00} (? ), i called them few times and each time they gave me a different answers, like the first time they said i missed a payment in XXXX, then i missed a payment in XXXX, then XXXX, and so on, and each time i ask them foe what month i missed the payment, they never tell me, and when i request a history of my payments on the loan, the sent me a paper for re modification instead.my last call i spoke with the supervisor and she said that the issue started on XXXX of XXXX, when i made an early payment it went to the principal instead as a loan payment, and late fees started since than till present. 
the supervisor suggested that i send a plea request to the heard quarter of seterus and ask them to reverse the 5 payment that i made early and reinstate them as a loan payment and remove the late fees since it was not my fault. 
i did send a request and they denied my request and they keep suggested that i re modify the loan. 
i truly need your help of what to do or to resolve the issues with them knowing that it was there fault and they are trying to make me refinance. 
they are a lot to say, nut i am trying to keep it short and hopefully i will explain more when you respond to my request. 
thank you. XXXX XXXX
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NV)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2020-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

This debt is invalid due to identity theft. The original account by XXXX XXXX was reported as fraud and blocked. 

It has been sold to JEFFERSON CAPITAL SYST and they are attempting to collect on a fraudulent debt.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (WA)

XXXX XXXX is the credit card issuer for XXXX clothing retailer, the XXXX XXXX card. Back in the XXXX, my son, an authorized user on my XXXX charge account, lost his credit card. I contacted XXXX to notify them of the lost card and to request a replacement. It took them two weeks to respond to the lost card communication, and they never replaced the card. I reached out to their support several times for a replacement card, and I was promised on two occasions that a replacement would be sent within 7-10 days. No card was sent. In XXXX, I lost my XXXX XXXX card, and I reached out to XXXX for a replacement. Weeks went by without a response. Finally, on XX/XX/XXXX, I received an email from XXXX saying they couldn't replace my card because they were unable to contact me. All of my telephone numbers, emails, and mailing address are all accurate, and no attempt to contact me was made by XXXX. Furthermore, they ran an additional hard inquiry credit report without my permission as a part of the card replacement process. When I told their support team I would be filing this complaint, suddenly, they became more cooperative. They indicated they would escalate my request to a manager to resolve. On XX/XX/XXXX, I got yet another email saying the issue had been escalated, and " someone '' would reach out to me within 7-10 days. XXXX XXXX is not taking customer service seriously. They are not taking lost cards seriously. They are not doing their due diligence, and customers plus retailers are suffering because of it. I've requested the CFPB to publicly post my complaint so other customers and retailers know XXXX will NOT take care of them. All I want is my lost card replaced so I can make purchases.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OH)

I have an account at Wells Fargo Bank that is a part of the merger to XXXX XXXX XXXX and Wells Fargo took it upon themselves back in XXXX of 2018 to keep all my accounts at Wells Fargo and is not allowing to go with the merger. I contacted Wells Fargo numerous times about having my one eligible account merged to XXXX XXXX and have had nothing but run around. They refuse to let me speak with upper management. The merger is complete on XX/XX/2018 and I have yet recieved my welcome kit and new debit card from XXXX XXXX XXXX.