davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

I applied for an Exxon Mobile Credit Card because I had the rewards card. When I completed the simple application, I immediately was sent a request to call the 800 number. when I called the number the CS rep requests my phone number. I gave it and she asked if I had any Citibank cc. I said no but being that it is a cellphone the number could have been recycled. She told me we can not use your phone number, I asked why and she said I can not reveal that information. I told her that didn't make sense because I answered your questions. She then stated I was declined. 

I told her that was totally biased and credit should not be on the premise of a phone number. Now my credit has gone down and I want them to remove the request as a hard inquiry for being nondescriptive and dismissive about a phone number.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (CT)

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

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 has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (CO)

I didn't pay a XXXX ( gym membership ) bill years ago. I recieved a notice from a lawer in the mail. I called the gym first, and was advised to pay the amount they needed and it would all be over with. I paid at that point. I still got the calls so i answered one and expalined that the gym told me it was over, I was paid in full. The person on the other end told me that i still owed their law offices. I asked why, and they couldn't say. I then hung up. I have received up to fifty calls from law offices regaurding this XXXX account that I have already paid off. I called back the same manager at XXXX and he told me he would take care of it and unless i heard back from him that I shouldn't worry. I kept getting calls but ignored them because they were just calls ... Then i got an email from XXXX XXXX that said Aldous and Associates is placing this into collection. The XXXX managers have no idea who this law office is, nor do they know why i am still being hasselled about this as I don't owe them anything.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan XXXX GA - XXXX XXXX - I would like to start out by saying, I should have paid more attention to the deal and not trusted the Salesman ( lesson learned ), but I guess I was excited about getting a new car, never will that happen again. I came into your dealership to get an oil change XX/XX/XXXX and was approached by your Salesman ( XXXX ) about getting a new car, he asked what my credit score was and I advised a 700+ ( 1st mistake ), he said we can get you a new car with a low APR, I stated as long as my car note stays the same I'm interested, I paid into the 2015 XXXX for 2years ( Nissan made money off my interest on that car ), but I'm willing to start over if the price is right. We proceeded with the sale and my car note went from $ XXXX/month 5yrs to $ XXXX/month for 6 1/2 years, I'm like ok, it went up {$50.00} for a brand new car, not thinking or doing the math, until XXXX called me to update my car, with the same Sales Pitch lower APR., I went into your dealership and test drove a 2019 XXXX XXXX Sticker Price {$35000.00} and was told my car note will be about $ XXXX/month I said No, you guys are ripping me off. I was told I have {$15000.00} in negative equity and I'm paying almost {$50000.00} for a 2017 XXXX XXXX, which is only worth {$30000.00}. I thought that by me being financed through Nissan that they took care of their customers, I was wrong. Your Employees are a brand of Nissan and I feel like I was robbed, they took advantage of me and my credit. I assumed that by having good credit that I can get what I want at a good price ( wrong again ). I take pride in having good credit and now I'm stuck paying for a car that has no value, I feel this Company took advantage of me. I will never by Nissan again. I paid over {$43000.00} ( without finance charges ) for a 2017 XXXX XXXX that had a sticker price of {$32000.00}. I have been with XXXX XXXX since XX/XX/XXXX and have never been late with a payment. Wow is all I can say.
Consumer complaint received 2023-01-27
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I have two complaints for PennyMac, both of which I have contacted them on. The first complaint has to do with my first mortgage that was obtained with PennyMac in 2015. I recently paid off the mortage and the account was automatically closed which has caused my credit score to drop by more than 80 points. The payment of my mortgage  balance should not impact my credit. I have filed a complaint with teh credit companies and have Called Pennymac and asked them why did they report the account as closed. I have obtained other mortgages with other companies and while they are paid off the account remains open with a XXXX balance. 

My second complaint is around another loan that I recently obtained from Penny Mac on XX/XX/XXXX, PennyMac transposed my house address ( instead of writing XXXX, they write XXXX ). I have called the company three times to report this and the issue has not been resolved. I am being threatened by the mortgage company to take insurance on a property that I do not love in. The correct property address has insurance and evidence of the insurance was provided at closing. Since they fail to update the address in their system, I am being told that the mortgage company will take insurance on the incorrect property address on my behalf and I will have to pay for it. I am not sure why I would have to pay for insurance on a property that is not mine. I need help resolving this issue. I have tried my best to work with the company and I am not getting anywhere.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I received a check from business and deposited it into my Wells Fargo account on Monday. I was told by a manager at the branch that there would be a hold placed on the check ( normally 7 days ) but  that she would fully release the check on Wednesday, in only two days. 

At first, everything happened as promised and the check was released. Later on, after I had made a significant withdrawal, I was alarmed to find that my account was XXXX overdrawn with 15 pending withdrawals plus possible fees. I was told that this is because the check was had not cleared. I was warned if I didnt settle the balance, that my account would be closed as well. With this information, I proceeded to contact the mediator residing over the settlement and the business who issued the check. This resulted in the company offering to ach funds into my bank account, after they figure out why the payment didnt post. The issue was that the payment DID post to their account and the check cleared the same day that I deposited it. They even sent me an emailed copy of the check with my signature and a bank record. 

So I immediately contacted Wells Fargo who told me a number of things. 1. Business must not have had funds when they tried to collect but that they must have called other bank and resubmitted the check. 2. Business bank states that the check looked suspect and that they were concerned about fraud. 3. That because I have had overdrafts in my account, they had to put an additional 7 day hold on my account, or until the funds are deposited in my account. 4. They couldnt accept an online bank record showing the xxxx debited/check image so I should contact business bank for a copy of endorsed check on bank letterhead? 
None of this made any sense, especially because everyone has proof that they check cleared. 
Later, I was told by the manager at the local branch that she would call xxxx bank tomorrow to try and verbally verify that the check cleared and then she would release the funds ... .after she saw the copy of the cleared check with my signature. 
So I contacted customers service and spent 4 hours in total being put on hold, sometime spoken to condescendingly, lied to and patronized by various telephone bankers. 

The end result-Ultimately the money is still in limbo and I will continue to be overdrawn, until they fix this. I have a dd coming in a day or two that will be completely eaten up due to this.. if it is not immediately fixed. I have been humiliated due to their misinformation, and in addition to an immediate release of the check funds, I have asked for an apology letter/bank error letter that I can send to both the EEOC and the settlement company.
Consumer complaint received 2019-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (GA)

Dear Arvest, Everything about Arvest is unnecessarily hard to deal with including this form. I have now had 4 telephone calls with Arvest over the last 6 weeks - averaging about 40 minutes each. I have also sent in more money than you said I owed both to make up for the shortfall in the escrow that you created and to overpay my monthly autopayments to make sure that the next time you fiddle with my monthly amount, Ive got a buffer. You still haven't fixed my account. You are still charging me late fees. You still have money that I sent you over a month ago, showing as unapplied payments that more than covers the amount you say I owe. You are still reporting me as paying late to credit agencies and ruining my credit for no reason. You leave me no choice but to communicate with your regulators.

I had this loan for years and never had any problems with it. No late fees, no miscommunications. Then Arvest bought the loan. Nothing but problems and a huge time XXXX. You said you would get to the bottom of this. You said you would make sure the payments are applied correctly. You said you would call me back. You have done none of these things. 

Have a nice day!
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MT)

During the XXXX season of 2017, I opened a Macy 's credit card with a cashier because I was told I would get 75 % off the purchase if I did so. The interest rate was not disclosed to me at that time. In XXXX I received my first statement that said my interest rate was 26.99 %. I called XXXX 's customer service to close this credit card that I had not received in the mail yet after learning of the high interest rate. They told me there would be a fee of {$40.00}, and I said to charge my XXXX XXXX checking account. Later I looked at my bank account and saw a charge from Citibank for this amount. No where on any of the documentation for this credit card has there been anything stating my credit card is through Citibank. Because of this I filed a fraud claim against Citibank as I thought someone had hacked into my account. XXXX XXXX got me my money back. Later I received statements with late fees on my ( what I thought ) was closed card. I called XXXX 's to figure out why my card was not closed, and they told me the card had been reopened because my payment had bounced. This is when I found out that XXXX 's uses Citibanks card services. At this time I tried to call Citibank and disputed that their pull from my checking account was unclear because it should have said XXXX XXXX. I have since paid them back the money I originally owed plus 25 % which is {$47.00} but they want me to pay these late fees and interest rates that have been charged to me since I closed the account which add up to {$270.00}. This is unethical and they refuse to admit any wrongdoing.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX filed a collection notice, and a delinquency notice to the credit bureaus on a fraudulent purchase they fail to cancel. While their XXXX department was correcting, their billing put it collections without notifying me. I have a construction project set to start and now the bank is reluctant to secure the loan. My Credit score has dropped significantly. XXXX said to name XXXX and them in suit. I really don't want to go down that path. My lender recommended you.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I address the credit bureau as into regards of the removal of the inaccurate credit info being displayed on my credit reports and to no avail nothing was done. That's a issue, I address the company as well on XX/XX/XXXX ) 17 and they did reply to me on XX/XX/XXXX. I will be enclosing their response letter to me. Also this company filed for a XXXX XXXXXXXX bankruptcy on XX/XX/XXXX
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

I am attaching my letter to XXXX with more details. To summarize : we paid {$780.00} to XXXX with my Citi credit card on XX/XX/XXXX for health insurance coverage. Later the premium was reduced to {$140.00} /month and we were forced by XXXX to initiate a partial payment dispute to get an overpayment of {$500.00} back. However XXXX blamed Citi for withdrawing all {$780.00} payment on XX/XX/XXXX and not leaving two month premiums of {$280.00} from my credit card to pay XXXX. XXXX reset our insurance policy termination date from XX/XX/XXXX to XX/XX/XXXX based upon their record. ( Please note that we also paid XXXX for insurance premiums with personal checks ). On the other hand, Citi said that the two month premium payments from my credit card was made to XXXX from the very beginning so that it is not Citis problem. But Citi refused my request to provide detailed evidence to challenge XXXX 's record. Neither Citi nor XXXX takes responsibility for this and we received full medical bills from medical providers and debt collectors like we didnt have coverage for the time period that we actually paid for. We have filed complaint to New Jersey Department of Banking and Insurance ( NJDOBI ). I also attached their investigation letter here. I would like to have CFPB investigate this to see if Citi or XXXX is responsible for this. If this is not Citi 's problem, please provide conclusions/investigation results on this so I can continue to seek help from NJDOBI or other government agencies.
Consumer complaint received 2022-10-13
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)

On ( XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Consumer complaint received 2016-12-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation (NJ)

XXXX bank bounced out check to XXXX in XXXX 2016. XXXX uses TRS Recovery Services Inc to collect on all check issues.TRS has processed now twice a Pre Authorized Paymemt tbru our checking account now twice after sending us by mail a Letter for demand of the insufficient funds fee to be paid via credit card money order etc. 
TRS trying to collect the fee by numerous different ways seems like fraud to me along with this created document that the bank accepts as a preauthorized payment that we did not authorize. 
Furthermore the preauthorized document according to XXXX bank has numerous issues with it. Besides not being our check, having no signature or authorization on it, it is made payable to XXXX and TRS is not XXXX along with the coding number of this being a recurring charge for a membership. 
Lastly it was my understanding that by law no company can not collect more than the face value of a check via your checking account but this company seems to be legally doing that.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (LA)

Comenity Capital is charging me {$220.00} in penalties, late fees, and interest for a {$63.00} pair of shoes purchased via telephone on XX/XX/2017. Shoes were returned to XXXX within 2 weeks of order. XXXX credit card was cancelled on XX/XX/2017, within the 25 day cancellation period in the contract agreement. I contacted Comenity Capital by phone and by mail to resolve issue to no avail. During a phone call with them I agreed to reimburse them for return shipping and paid {$7.00}. I did not make any payments for the returned shoes. Comenity sent monthly bills for returned item until XX/XX/2017 and then sold the account to a collection agency. They have put this info in my credit file. I am a senior citizen who had a credit score in the high 700s before I ordered {$63.00} shoes. I have other credit cards that are connected to Comenity that are in good standing because I pay all of my bills every month. I do not pay interest, late fees, or penalties on any of those accounts. The difference is I did not return any of those items, I paid the full amount when I received the bill because the item was in my possession. Comenity has numerous complaints listed in XXXX XXXX XXXX.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (IN)

On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule XXXX XXXX hearing for failure to prosecute. 
On XX/XX/XXXXXXXX XXXX XXXX  by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule XXXX XXXX hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana XXXX XXXX, the Indiana XXXX   XXXX XXXX, and the Consumer Credit Bureau for perjury and violations of the FDCPA.
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (CA)

SW Credit System or Southwest Credit or XXXX XXXX or XXXX XXXX or Southwest Credit Systems or XXXXXXXX XXXX Or whoever they are calling themselves today. Has placed an item on my credit reports showing XXXX as original creditor with an open date of XX/XX/2017 in amount of {$300.00} I have no idea who this company is nor have I ever had any business relationship with them. I do recognize XXXX but most certainly did not have service with them a year ago. A quick search turns up many complaints and statements such as " One of Southwests favorite collection tactics is to furnish negative information on the alleged debtors consumer credit report. '' Apparently whether they actually have the debt or not. The debt is not mine has been plced by mistake or fraud.