davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ARVEST BANK GROUP, INC. (TX)

I called the Arvest bank on XX/XX/XXXX  and spoke with a Representative over the phone regarding a Credit Card application and asked a question since I don't live in the states where the Bank has branches so, Can I apply for a credit card she told me on hold for several minutes and advised me to go ahead and submit the application online. 

I did submit my application as she told and after a while, I got an email they had declined my application for the same reason that I don't live in those local cities. 
This is the most unprofessional bank one can interact with, If they don't serve the area why they are allowing and advising the customer to apply? 
Also, there is nowhere in the application process or in the whole website you can find such information that customers from other states are not eligible for the application. 
I would honestly never deal with this bank again regardless even if they decide to expand to other states with such ridiculous customer service they could have at least not made a credit inquiry on my credit report as they don't serve the area but like I said this bank is a Joke and so is there process.
Consumer complaint received 2024-01-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TN)

Hello, I am on XXXX prepaid, and tried the post-pay account and was not satisfied with XXXX service and canceled within 3 weeks. I have been back on prepaid for several months now. I reached out to XXXX on XX/XX/2024 and confirmed that I do NOT owe XXXX anything on pre-paid OR post-paid account. I have this in an email from XXXX themselves not the debt collect, however the debt collector still sends me emails stating I owe them XXXX Please help and advise, Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP. (MS)

XXXX weeks behind on my mortgage calling emailing threatening foreclosure ask to get an extension was told no the counselor was rude yelling and cursed one time telling me I need to learn how to handle my XXXX bills
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have a Citibank Mastercard. A charge was put on my credit card for 2 months of subscription from a company called XXXX XXXX XXXX. I was on XXXX XXXX  ordering physical things no problem. This company got a hold of my credit card information and charged me to subscription fees of {$54.00} each total {$100.00}. This started in XXXX. I called Citibank several times in XXXX, XXXX at least 15 times. They assured me I had nothing to worry about they were sending my complaint to their fraud and investigation department and the charge would be removed, .I called again they said they had closed my dispute in favor of the fraudulent company charge, They sent me 2-3 new credit cards so this company could not charge me any further. I dont have the charges to show you because they have removed it. I would call they would say it takes 90 days to investigate this charge I would call again they would say they would open a new dispute. On and on this went. In the mean time they said they would not charge me the {$100.00} they lied they have been withdrawing the money all along. I DID NOT RECEIVE ANYTHING NO SERVICE NO PRODUCT NOTHING. So I have now paid the {$100.00} and received NOTHING for it. I have argued and argued with them and they REFUSE to remove that charge. If this was a legit company I would receive SOMETHING would I not? They emailed me one time the name of the company. So I emailed them. They dont take phone calls they said email this address. The lady at the XXXX XXXX XXXX said she did not even know who I was! CITIBANK MC has lied to me over and over. I have NEVER had a cc company treat me this way they always remove the charge. I have never been told it takes 90 days and not listen to me at all, AGAIN why did I pay this XXXX when I NEVER received ANYTHING No service no product. I called MC again yesterday and canceled the credit card. They said that they had sent me documentation to some crazy email address that is not even mine. Ive had this credit card 16 years. This treatment is horrible and the fact they would not remove the {$100.00}.
Consumer complaint received 2018-08-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC (FL)

NELSON CRUZ & ASSOCIATES REP- XXXX XXXX XXXX CONTINUALLY SINCE XX/XX/XXXX I HAVE RECIEVED 13 PHONE CALLS FROM SAME PERSON STATING THAT SHE HAS A FINAL DETERMINATION ON HER DESK AND IT NEEDS MY ATTENTION REGARDING AN ACCOU T THAT IZ 10 YRS OLD AND HAS BEEN CHARGED OFF AND CLOSED.OFF MY CREDIT REPORT. IT WAS A VOLUNTARY REPOSSESION ON A VEHICLE. RECENTLY SHE SAID THEY ARE PUTTING A RIZMAT? ON MY SOCIAL. AND FLAGGING MY SOCIAL FOR THIS. TODAY SHE SAID I NEED MY ATTORNEY OR MYSELF TO CONTACT HER AS SOON AS POSSIBLE. THESE PHONE CALLS ARE BECOMING A PROBLEM AND I FEEL LIKE IM BEING HARASSED FOR SOMETHING THAT DOESNT EVEN EXIST
Consumer complaint received 2024-01-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CATHAY BANK (CA)

The Deceptive Practices of Cath Banks XXXX Branch In XX/XX/XXXX, the XXXX branch of Cathay Bank allured customers with an enticing promotional CD rate of 2.75 % APY for a three-year duration. Hoping to secure stable financial growth, I eagerly approached the bank, only to be deceived by XXXX XXXX XXXX XXXX, a promising banker. This essay aims to shed light on the occurrence, highlighting XXXX XXXX intentional misleading tactics and the subsequent lack of accountability from Cathay Bank. With a loss of {$110000.00} interest, I implore Cathay Bank to take responsibility and compensate for their abhorrent conduct. 



1. The Encounter with XXXX XXXX XXXX XXXX : On that fateful day, I encountered XXXX XXXX, who offered a fictitious CD product claiming a 3 % APY for a three-year period. Fueled by my quest for financial stability, I trusted her words and eagerly invested in the opportunity. However, it became apparent that XXXX XXXX promises were far from truthful when the CD rate for the year XXXX stood at a mere 0.5 % APY, in stark contrast to her initial claims. This misleading tactic caused grievous financial harm to me and my family. 
2. Lack of Accountability from Cathay Bank : Despite being made aware of XXXX XXXX deceptive conduct, Cathay Bank chose to turn a blind eye and ignore the resulting misfortune experienced by valued clientele. This blatant disregard for accountability showcases a disturbing lack of concern for their customers. It is incumbent upon them to rectify the situation and take responsibility for their employees actions. 
3. Correspondence with XXXX XXXX XXXX : In my pursuit of justice I shared my grievance with XXXX XXXX XXXX, Assistant Vice President & Manager at Cathay Bank. To my surprise, XXXX XXXX acknowledged the deception perpetrated by XXXX XXXX on the XXXX XXXX XXXX XXXX  He affirmed that I, as the customer, bear no culpability in this unfortunate series of events. This acknowledgment, conveyed through written correspondence, demonstrates Cathay Banks knowledge of their employees misdeeds. 
4. Seeking Compensation : The consequence of XXXX XXXX XXXX XXXXXXXX misconduct is a staggering loss of {$110000.00} in interest for my family. Given Cathay Banks awareness of the situation and their responsibility for the actions of their employees, it is only fair and just that they compensate for the financial harm inflicted upon us. 

Cathay Banks XXXX branch, through the deceptive tactics of XXXXXXXX XXXX XXXX XXXX, has caused significant financial loss and distress. The lack of accountability exhibited by the bank is deeply troubling. I have laid out the series of events, acknowledging XXXX XXXX XXXX acknowledgment of the deception and my familys resultant loss. It is now the responsibility of Cathay Bank to take immediate action, compensate us for the loss of {$110000.00}, and restore our faith in their commitment to customer satisfaction and ethical business practices.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Scott Fetzer Financial Group Inc. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

My information was illegally obtained and sold in the XXXX breach. Ive tried to call and write Trans World Systems to dispute this debt but they refuse to respond.Trans world Systems is on my credit report and Consumer Credit report stating I owe them {$690.00} ( XXXX XXXX ) I am not aware of any money owed for this debt. I have no knowledge that this debt belongs to me. I am asking for this debt to be removed from my credit report and Consumer Credit Report immediately. This debt is causing my credit score to drop and Im having issues securing loans and credit.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with LVNV Funding LLC. They did not provide me with original contract as I requested.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TN)

I dispute this due to inaccuracies in reporting to credit bureaus. Please see attachment where according to my XXXX credit report it states this account was CLOSED. Whereas, it is still showing up on my XXXX on both XXXX and XXXX, causing Damages to my score negatively impacting it by false-inaccurate credit reporting. 

Please advise, Sincerely, XXXX XXXX
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

This is in regards to my wells fargo credit card account ending XXXX. This is an account that wells fargo closed I believe because of the number of days delinquent it had become ( 3 payments behind with a balance of about 11K ). This happened around XX/XX/2018. A XXXX dollar payment was made in XX/XX/2018 and then {$7800.00} worth of payments were made in the month of XXXX. In XXXX I make a XXXX payment. In XXXX my credit card minimum payment is XXXX.. I made several attempts to have this clarified with no resolve. Finally, I reached someone but its after the due date. I paid the minimum amount due of XXXX prior to due date. I called the wf I asked how did you come up with a XXXX balance on XXXX. The rep then put me on hold for 10 minutes comes back and says we changed your monthly payment amount on XXXX to XXXX every month to help you get caught up. I told her she was a liar. That someone in the collections department or else where was attempting to illegally gains late fee 's on my account by causing a minimum fee amount that's to high. In addition its retaliatory for me being in collections. I can imagine that since XXXX was my min. monthly payment in the month of XX/XX/2018 that someone put a lock or something on my account to only post payments of XXXX or higher to roll the account out of delinquency. Thats fine and dandy that they do that but they have to remove it the following month or it creates issues. My current statement shows zero amount due in XXXX so if my minimum payment was XXXX every month why dont I have a payment due now. Just like their reported software malfunctions that occurred forcing homeowners into foreclosure. The american people know it was no software error. It was to clear out delinquency numbers so they could take one major loss come back the following quarter with better delq numbers since they flushed as many consumers out at one time. Tactical advantage when looking at long term stock growth.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

The school removed the loan from my account and sent the funds back to department of Education two weeks ago. I do not have a loan because I paid school out of pocket and conferred XXXX XXXX on XX/XX/2023. I do not have a school loan. 

Direct unsubsidized loan XXXX XXXX XXXX XXXXXXXX XXXX ), Principle amount {$20000.00} Loan servicer : NelNet Account number XXXX
Consumer complaint received 2024-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 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 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 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 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
Consumer complaint received 2024-01-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

THIS IS NOT A DUPLICATE COMPLAINT This is regarding Nelnet and their alleged, questionable tactics of servicing. I initiated a student loan consolidation from Nelnet to XXXX on XX/XX/XXXX. I have kept in contact throughout this process with both servicers to ensure a smooth transition. I logged in to my Nelnet account and it showed that the payoff was received XX/XX/XXXX ; and XX/XX/XXXX, respectively. However, after further review, I had a principle balance of XXXX cents ; which insinuates to me that the payment was shorted in this amount. I called Nelnet and I attempted to pay the XXXX cents balance with my debit card and the representative was unable to process it. She emailed her supervisor and was told by this supervisor that it would take 60-90 days for the closing process ; then was told by the end of this month ( XX/XX/XXXX ). I asked the rep which is it, as I need a definitive date. The supervisor then told her the end of this month. The representative could not tell me why a balance of XXXX cents was left on my account. So I then asked for them to close it out immediately, as this is still showing on my credit report. I asked to speak to their Ombudsman, but was given the phone number to their state Ombudsman and not the financial aid Ombudsman. I believe that Nelnet is purposely and fraudulently attempting to keep my account open, after it has received its payoff from the new servicer ( XXXX ) ; and ruining my credit utilization by not reporting " PAID AND CLOSED ''. Additionally, for them to tell me that it would take another 60-90 days to process this closure is unacceptable. After being given the incorrect information on contacting the financial aid Ombudsman, I called Nelnet back and processed the XXXX cents payment through their automated system. I have attached documentation from my account dashboard showing a XXXX ( {$0.00} ) balance ; and the dates of payments made. A further investigation needs to take place regarding Nelnet and their practices. I have attached all documentation including Identity verification documents. Thank you CFPB for your assistance.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

53rd bank refuses to remove the 30-day late, error caused by delay at the bank, The bank issued a letter stating the error was the bank, not the consumer. 53rd bank refuses to remove states the error belongs to the bank not 53rd derogatory mark stays. 

I have asked several times how to I escalate issue, appeal or complain to have this reviewed and no one seems to know how to get this done,
Consumer complaint received 2024-01-16
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: Experian Information Solutions Inc. (MO)

Experian just closed a complaint from XX/XX/23 but just notified me that they are still working on this one and it was submitted XX/XX/23, ITS THE EXACT SAME ISSUE so that don't compute
Consumer complaint received 2024-01-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION (FL)

Since my loan was reworked there has been a lingering {$72.00} fee that is simply an " Other Fee '' and those I have spoken to have told me to just ignore and when pushed for info tell me I need to speak to another department that seems to never answer the phone despite multi-hour wait times even when another agent tries to transfer you there.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To ensure complaint of most up-to-date, accurate, and correct personal information being reported in the credit file at all time. 
Hence, my credit file is not confused with people of similar name, Date of Birth, address or SSN.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX IN, XXXX Re : Opt-Out Request for Account Number : XXXX Dear XXXX, I am writing to exercise my right to opt-out of information sharing as stipulated under various federal privacy laws, including but not limited to 15 U.S.C. 6805, 15 U.S.C. 1681b, 16 C.F.R. 313, 16 C.F.R. 313.7, 15 U.S.C. 6802, and the Privacy Act of 1974.

Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out of any or all authorizations I, the consumer, may have previously granted, whether written, unwritten, verbal, or non-verbal, under 15 U.S.C. 6802. This includes any permissions for sharing my personal and financial information with third parties. 
Please ensure that my personal and financial information is not shared beyond what is required for maintaining or servicing my account, and confirm in writing the acknowledgment of my opt-out preference. 
Thank you for your prompt attention to this matter and for respecting my privacy and rights as a consumer. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Yamaha Motor Finance Corporation USA (VA)

I requested to payoff the loan. Company told me they could not take another payment within 3 business days of the last payment due to their system restrictions and it was their policy. My regular payment was an auto payment setup and processed on XX/XX/15. I wanted to payoff the loan to get my title for the watercraft. They will not take my payoff for 3 days and thus I am accruing additional interest due to their system constraints. A debt provider must accept payments during their normal posted hours of payment and not tell me I need to wait 3 days to make my payoff.
Consumer complaint received 2018-08-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (CT)

Deed-in-lieu executed on XX/XX/17. Ditech continues to send me correspondence on the account and attempts to collect the debt when I call to have the matter resolved. The problem has not been fixed after many calls on my part and promises from Ditech to resolve the issue.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I hope this letter finds you in a state of confusion, as I am writing to express my sheer bewilderment at the ongoing circus that my credit report has become. It has recently come to my attention that in addition to the mind-boggling number of fraudulent accounts already haunting my credit profile, you have managed to conjure up even more of them! Bravo! Your incompetence truly knows no bounds. 
Let us, for a moment, ponder the exquisite absurdity of the situation. It appears that not only can you not remove the existing fraudulent accounts, but you also have a talent for spontaneously generating new ones! It's almost impressive how you manage to compound the errors on my credit report with such consistency. 
Should I attempt to dispute these additional phantom accounts? Should I resign myself to the fact that my credit report is now a work of avant-garde fiction? Or perhaps I should just sit back and applaud your dedication to the art of credit reporting surrealism. 
In the spirit of this confounding situation, I formally request the removal of the following accounts, which I am still trying to wrap my head around : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX