davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balanced {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I had a department store card with Macy 's ( I believe the underlying bank is Citibank ) sine XXXX. 
-I believe they have pyramided late fees on me -Closed my account unfairly -Possibly reported me to the credit bureaus over a small matter -Treated me disrespectfully I had a small balance with them as of XXXX of XXXX. I made sure I paid off that balance and went on XXXX. I had my XXXX in XXXX, and once all the dust settled around XXXX I started checking my financial situation to make sure everything was in order. My Macy 's card was one of the things that I wanted to check, but for some reason I was not able to access the card online ( later I was told by the customer service that I had been banned from accessing the website because my card was suspended and later closed ). I had opted in for online statement, so I was not receiving paper statements either, but I was sure I had paid off the balance. 
In XXXX, I received a call from Macy 's collection department asking me to pay off a balance of {$8.00} and some change immediately ( {$4.00} was late fees ). Turns out when I had paid off my balance in XXXX, some residual was left, probably from the interest that I had accumulated in the month before. I paid the whole thing off with a representative and apologized. I did explain my case to them, but no mercy was taken, and since the amount was small I did n't insist. 
Imagine my surprise when in XXXX I went to a Macy 's store to purchase some holiday ornaments to find out my Macy 's account was closed. I contacted them again and was told that I have another {$4.00} balance on my credit card, and since I was such a chronic late payer, they had closed my account. That entire balance was late fees again, and they were not willing to wave the fee, so I paid again. At the beginning of XXXX, I received a paper statement from Macy 's stating I owe them {$2.00} again. I called them and this time I insisted that they stop this and wave this fee, they said they did. Please look into this matter for me. They have n't told me if this has been reported to the credit reporting agencies, they have charged me too many late fees, and they have closed my account which reflects poorly upon my credit, and I need my Macy 's card.
Consumer complaint received 2016-06-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

This complaint is regarding Home Depot Credit Services who has billed me {$1900.00} in interest charges on a 24 month no interest promotion. In those 24 months, I made payments in the amount of {$4800.00} of which only {$190.00} was applied by Home Depot Credit Services to the promotional balance. When I inquired, they said it was my fault for not calling monthly to tell them where to apply my payments whereas my payment should have been applied to the promotion first ( which does n't account for the {$190.00} credit that I never called them about either ). I would like to know if I have any worthwhile case against Home Depot to remove this interest fee based on my making above-the-minimum-payment each month as was required of me. Home Depot presses that it is my fault for not calling them monthly and for not reading my statement each month, which in the years XX/XX/XXXX-XX/XX/XXXX Home Depot is well aware that online banking exists rampantly and the consumer should feel safe in making regular payments through his bank without reading the " fine lines '' of every billing statement. They count on this for their bottom line as opposed to any concern for the consumer. If even just the payment amount over the minumum payment is applied to the promotional balance, in the last 12 months ( not 24, which the promotional period is for, but for which I do not have statements currently ), then I have paid {$1300.00}, with ( 1 ) shows only one of the two years of payments in the period ; ( 2 ) shows my intent at purposely paying more than the minimum to ensure against incurring an interest fee on the promotion and ( 3 ) ; still begs the question how only {$190.00} was applied to the promotion. While I do n't have the remaining statements showing what I paid above the minimum payment, I have made the request for the archived statements through Home Depot to prove that I should not have incurred the interest on the promotion, based on my having paid Home Depot approximately {$1500.00} more over the past 24 months than the initial promotional balance.
Consumer complaint received 2016-08-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITY NATIONAL BANK (CA)

I was shopping for a line of credit, and inquired with City National Bank in XXXX, Ca. When they related the terms, I took some time to compare their offer with products offered by other banks. They hounded me to try to close the sale, but I hesitated, because I was not convinced that the rate and terms were optimal. 
Eventually, they sent me a copy of a 'notice of adverse action ', which they forwarded to XXXX , citing insufficient income ; yet, they never declined the loan offering. It was only when I did not respond, that they took this apparent punitive action. I can produce phone records that prove I never called them after I discovered their product was not attractive ; but, they continued to call me and left voice mails trying to induce me to consummate the loan.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was shocked to discover inaccurate accounts on my credit report this morning, and I have no clue why theyre there. I routinely check my credit report, but today I found discrepancies that werent there before. I thought it might be a browser issue, so I refreshed the page, but nothing changedthe wrong accounts were still there. Im deeply concerned and am requesting a thorough review of the documents Ive sent so I can stop worrying about this.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. XXXXXXXX XXXX XXXX XXXXXXXX Balance {$5500.00} XXXX XXXX  XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$120.00} XXXXXXXX XXXX XXXXXXXX Balance {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance {$8300.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXXXXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Media Collections, Inc (CA)

XXXX, an on-line bill pay service of XXXX XXXX XXXX XXXX is engaging in Identity theft of my SSN by sharing my Privacy protected information with XXXX and XXXX of XXXX, Ohio a third party which is also illegally using my social security number on their correspondence without my permission. I have reported both XXXX and XXXX and Creed to the FTC government website and was referred to this site by the Fair Trade commission. In addition, I have placed a 90 day fraud alert with XXXX, XXXX and XXXX. 

And since I am XXXX and XXXX identity theft insurance that was given all XXXX employees affected by the OPM hacking, I will be reporting the stolen SSN information by Joseph, Mann and Creed to those companies too. 

If there is a way to report this to the Attorney General of CA and Ohio and sue both XXXX and XXXX for unauthorized stealing and sharing of my SSN I will be exploring that as well. 

I hope the CFPB will reprimand both XXXX and Joseph, Mann and Creed- maybe all the employees and management of both those companies need to have their SSN information stolen by another third party so they can know what this feels like.
Consumer complaint received 2016-04-26
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. (GA)

XXXX reported my account to XXXX. I received the letter and disputed the balance XX/XX/XXXX. I was told by collection agency that they would forward information to XXXX and i should receive itemized bill of charges. Now, I just learned my account has been turned over to another collection agency called Diversified Consultants which was exactly a month later. I never received correspondence of the change in collection agencies. I was still under the assumption that my account was still with XXXX and i was waiting on follow up correspondence from them and XXXX. This new collection agency never sent me a letter that the account was turned over to them, never received any notification. Therefore, they violated my right to dispute the balance. Now, the balance they have is {$2400.00} and the balance with previous agency was {$940.00} which is a big difference.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a dispute on XXXX/XXXX/XXXX and I have n't seen any movement Case number : XXXX Submitted XXXX/XXXX/XXXX Company responded XXXX/XXXX/XXXX Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX The statement SLS made that " On XXXX XXXX, XXXX a phone call was placed and a message left for you by SLS, advising you that you needed to pay the difference of the payments from KYHC and the funds due, or the funds would be returned to the state '' is false. You and I both know the Fair Debt Collection Practices Act which prohibits any detailed information as such to be left on an answering machine. It was n't until my daughter called XX/XX/XXXX was when these funds were located, I than called that day or the day after to make the necessary payment and was denied. Where are these funds? As mentioned before Keep Your Home California has no trace of these funds. Please review all mine and my daughters recorded conversations with SLS and you will find that your company was trying to locate these funds for months. XX/XX/XXXX. I sent a written letter questioning my balance and asking where the remainder of the funds are. Your investigation in this matter is lackluster and does n't address either issue of the payment of the for XX/XX/XXXX or the missing funds and gives no direction, and did not include any steps your company has taken to find these funds or any solutions.
Consumer complaint received 2016-10-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (SC)

Citi mortgage drafted my account for two mortgage payments at once. They refused to reverse the transaction ... they refused to research the issusue ... XXXX ( XXXX ) talked over me and tried to hang up Several times without help .... they have giving me different info from different reps and the reps do n't follow through and they make it hard to get a refund.. to date I have received no refund of my XXXX dollars
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NC)

I have contacted Trans world systems on numerous occasions trying to resolve this issue on this account this account is paid and should be removed They referred me to contact XXXX XXXX XXXX @ XXXX several times I'm not sure who that is and if the payment has reached them they told me to pay XXXX and the account would be removed from my report because the settlement has been satisfied this is stopping me from have a correct score on my report please Remove the account from my report. I spoke with XXXX at the law firm on XX/XX/2020 for the third time trying to have this resolved.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (WA)

This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. 

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 

Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. 

I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

Upon review of my credit report from XXXX I noticed a collection account from Enhanced Recovery Co XXXX stating an amount of {$360.00} is owed. After contacting the listed bureaus I was informed to contact the reporting agency. Enhanced Recovery Co XXXX was contacted via certified mail requesting validity of this account. XXXX XXXX validation letter was signed and delivered on XXXX XXXX, 2016. Enhanced Recovery Co XXXX has yet to respond with proper documents bearing my signature. I have contract with this company nor the company they are representing. I request this collection is DELETED and REMOVED from all reporting credit bureaus.
Consumer complaint received 2020-06-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

XX/XX/2020 - Infiniti insisted that they HAD to run my credit for a loan through them even though I told them I had a loan from my credit union which resulted in many hard inquiries hitting my credit report. 
My son bought a car and so did I from XXXX XXXX, and for EACH purchase we already had a loan from our credit union and we both told them we DID NOT want or need financing. They insisted that they run our credit because they had to because its a law or a rule with their company. My loan was three years ago, and I was not happy but I let it go. My son who is only XXXX just received seven loan denial letters from various loan companies which were hard inquiries that hit his credit. We knew he would not receive credit because hes not been at his job long enough nor does he have any credit history. They ran his credit against his wishes and now his credit is worse because of this deceitful practice. While I love Infiniti, I am not happy at all with this credit game they play by insisting that that they have to run your credit. Its almost like a punishment for you getting your own loan and not using them. Very deceitful!
Consumer complaint received 2016-12-07
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Automatic Data Processing, Inc. (MO)

New ADP paycard. I called ADP customer service to get XXXX & Account number to set up automatic electronic payment for XXXX credit cards. They gave me instructions to print out voided copy of " check '' that would have XXXX & Acct number on bottom. They instructed me to use those numbers. I then used that information on XXXX of my credit cards to set up automatic electronic monthly payments. Then I received notice from my credit card companies that the payments were " refused by the bank '' and that my payments were now late. I called XXXX Customer Service and was told that reoccurring payments had to be set up using the card number on the front like a credit card. I advised ADP that I verified with the credit card companies that they would not process a payment in that manner. I also asked ADP to process the XXXX payments that I had already initiated, with the money on my paycard, MY MONEY, and was told that there was no way they could do that. XXXX said that the only thing they could do was reprimand the customer service rep for giving me bad information but that was it. They also said they would not reimburse me for any late fees assessed by the credit card companies. Additionally, I was told that the XXXX & Account numbers were certainly valid if I wanted to deposit additional funds in my account. But those same XXXX & Acct numbers are automatically declined for any kind of payment out of my account. I 've had paycards before and used them for automatic payments. It was NEVER a problem. This XXXX pay card is a joke!!! I ca n't pay my bills online with it and I 'm limited to ATM caps if I try to take cash out. Again, I stress that I can always use those XXXX & Acct numbers to put MORE money on my card. SO HOW IS THIS RIGHT????
Consumer complaint received 2016-04-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kirkland Asset Management LLC (CA)

XXXX is not licensed to issue usury interest transactions in the XXXX,, they can not collect an illegal transaction the interest rate was 800 % I am XXXX XXXX XXXX and did not know about this.
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: TFS FINANCIAL CORPORATION (KY)

My wife, a resident of the state of Kentucky applied for a mortgage from Third Federal Savings and Loan. Since the house is her premarital asset, with the existing mortgage and title only in her name she applied for the loan with her resources and credit only. 
When the day came to close, I was informed that I had to accompany her to release dower ( since Kentucky is a dower state ). However, there was no reference to dower and my name in the definitions and signature blocks indicated I was the borrower joint and several with her. 
Since I was not assuming her debt and only releasing her dower right, I informed the lender that the forms were wrong or they fraudulently misrepresented the loan to my wife, who as now delayed over 60 days to seek another lender. We were also informed by the 'ender 's agent XXXX XXXX that they would not change any documents or terms. 
This was both fraud in the inducement and a violation of the notice regarding the fair lending act,
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IA)

My home is going to be sold XXXX/XXXX/XXXX. I have been unable to get a modification for several years! I was in so many words, duped and a victim of predatory lending! My loan has changed more times than I can count. I worked seasonal for over 10 years and asked for a modification for my lay-off months and was ONLY adjusted by {$100.00}! In XXXX I became ill with XXXX and lost my job due to DOT requirement 's! I was Still UNABLE to get and adjustment or modification! I was paying {$900.00} for a XXXX bedroom that was listed as a XXXX for 6yrs. When they were notified NOONE seemed to do ANYTHING on my behalf! I just had to BITE the difference! Having SERVED my country, I now wonder several thing 's about the treatment of it 's veteran 's. If NOTHING ELSE, EVERY veteran SHOULD OWN A HOME!!!