davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Closure of account without prior notice On or about, two weeks ago, XXXX XXXX XXXX [ XXXX, herein ], president, suspended the checking account of Mr. XXXX [ cust, herein ]. Cust suffered some expenses due to the evil-closure of the account. XXXX gave the reason of : failure to provide the residence address ... Cust called to let XXXX know the cust had provided the residence address to XXXX, female rep, on or about : XX/XX/XXXX19. Cust gave the mailing address to use for mailing and the physical address more than three times. The reps do not care to insert the information. Cust told XXXX not to mail general mail to the residence [ physical address ] due to lack of adequate security for the onsite mail boxes which it is no surprise of how burglaries of mail boxes happens these days. 

Cust had gone into the bank and told the reps the residence address too. XXXX should be required to communicate with cust first before suspending the account. XXXX does not care how he treats an XXXX man. Discrimination was utilized in the fact the treatment for none-XXXX is different and the accounts would have not been suspended. 
... ... .. 

On or about : XX/XX/XXXX 19, Citibank denied my loan application without stating a reason why. My FICA score was about 701 and now it is XXXX. XXXX XXXX, executive response unit, said it may not be the fica. she said it may be other things. There is only one item which reports an erroneous debt which is already been challenged. Despite the item,, there were other financial institutions who opened credit cards which proves the one item was not a major factor. Especially when is common to see medical bills erroneously reported. Some financial institutions : XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; and the fact Citibank has a Debit Card. 

It is believed the reason why XXXX denied the credit card was due to XXXX and the fact a letter was written to XXXX to reduce his salary and the other 15 executives who gets paid more than $ XXXX or $ XXXX yearly. As a stockholder, it is a major concern of not being ripped off by top executives. Therefore the denial was XXXX.
Consumer complaint received 2019-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (GA)

My wife and I went on a leisure trip for about three weeks to XXXX starting on XX/XX/XXXX and returned to USA on XX/XX/2019. While we were vacationing one of our personal checking accounts was hacked and all funds wiped out by a criminal activity. 
Meanwhile, our second checking account with JP Morgan Chase was overdrawn due to a none authorized payment submitted by XXXX and allowed by Chase Bank in the amount of {$840.00}. My wife did call Chase customer service for over 6th times explaining each time to a different representative the situation and to be able to stop the account until we were able to figure out the situation. Some Chase bank reps were frivolous in there answers and never offered a real solution ( only one representative did offer help on reversing all fees after the account was brought up back to good stand ) Today XX/XX/2019 I wanted to fix my checking account with Chase Bank, but before we made any deposits my wife decided to speak one more time with chase customer service just to make sure our none sufficient fund fees were going to be reversed as promised by one of chase representatives in previous conversations, However, this time we got informed by chase representative that we had options since day number one when the account was overdrawn for the first time and consisted ; number one, we could freeze the account, number two, go to a local branch and change the account and number three cancel all automatic payments as well as file a police report none, of these steps were informed in our six phone calls made to the customer service, on the contrary all payments were rejected for insufficient funds and a subsequently none sufficient funds were assessed each time, 11 times {$34.00} swelling the already overdrawn account. This could it be avoided simply by having the courtesy to explain to the customer what was already disclosed above the first time the incident occurred. We believed this is an unfair practice done by Chase to diminish funds and to collect fees upon fees without no reason, placing us in a financial distress that was aggravated by the hacking of my wife 's identity rendering the debacle on the situation we are today.
Consumer complaint received 2019-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

Please be advised this is among one of the many items i have disputed with Experian where i have repeatedly have asked for debt validation " a signed consumer contract '' to be more precise. Instead of having some sort of resolution to all this, i have the collection agency that is fraudently reporting come back on CFPB with a copy of my social and drivers license that i sent to " EXPERIAN '' not the collection agency. Why would Experian release my drivers license and social to a company that was strictly only for Experian and which i have been stating over and over is reporting an account that isnt valid at all. Please advise why? who gave Experian permission to send/share my personal documents? 

see attached the the documents i received from XXXX with my personal documents which was included in there response to a complaint i filed on CFPB.
Consumer complaint received 2019-06-13
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: Experian Information Solutions Inc. (MI)

I am complaining about Experian and XXXX credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as Experian my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX and XXXX  # XXXX all need to DELETED and REMOVED immediately from my Experian credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC (MI)

The debt collection agency is name XXXX XXXX XXXX, who also hired another company name Weber & Olcese , PLC. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.
Consumer complaint received 2019-06-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

On XX/XX/XXXX I filed a dispute with Equifax concerning an account that popped up on my credit report for XXXX XXXX. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. 

On XX/XX/XXXX, I received an email that Equifax had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. 

Today, XX/XX/XXXX, I received an email from Equifax that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. 

I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a XXXX point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. 

Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.
Consumer complaint received 2019-06-13
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. (TX)

Equifax and XXXX  are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2019-04-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, I sent a payment of {$700.00} from an online Bill Pay service to Wells Fargo Dealer Services ( 'WFDS ' ) for an auto loan. On the memo line, I wrote 'Principal Only ' for the full amount to be applied to principal. WFDS received payment and applied {$400.00} to a regular payment and only {$290.00} to principal. No payment was due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$300.00} to WFDS. On the memo line, I wrote 'Principal Only '. WFDS received payment and applied {$300.00} to a payment variance. I was advised by WFDS that the amount was suspended to wait for the additional amount needed to make 1 full payment of {$400.00}. There was no payment due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$800.00} to WFDS and wrote 'APPLY TO PRINCIPAL ONLY ' in all caps on the memo line. When I checked my account online, WFDS applied {$400.00} toward a regular payment and only applied {$390.00} to principal. I called WFDS to inquire why the payments were not applied as indicated on the payment memo. The representative stated the memo lines are not accepted as it does not print to their spreadsheet when payments come in, so they apply the funds as a regular payment. There was no payment due until XX/XX/2019 ( 2.5 months later ). 
The only way I can get the payments applied correctly is to wait for the payment to post, call in to WFDS to reverse payment and have it re-applied. 

During the time it takes to discover the mis-application of payment ( if discovered ) and correcting the error, interest is accruing at a higher loan balance, all in favor of WFDS and to the detriment of the consumers. There have been multiple payments I have made towards the auto loan where I did not initially see how WFDS is applying payments. I have a year 's history of WFDS applying my payments as regular payments ( when payments are not due for months ) while they could have been used to lower the principal balance and the interests accrued to WFDS. I am just 1 customer ; however, the mis-application of payments could be harming the thousands of consumers who have auto loans with WFDS. The way WFDS applies payments is an unfair, deceptive and abusive practice.
Consumer complaint received 2019-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: F.H. Cann & Associates, Inc. (MO)

XX/XX/XXXX @ XXXX, I contacted F H Cann & Associates to make arrangements to pay my student loans. The representative who answered the call stated, I couldn't make arrangements to pay my student loans because I had made arrangements in the past with the past servicer. He then asked if I could pay XXXX to pay my loans off. I informed the gentleman that I didn't have XXXX. The gentleman said we'll I didn't qualify for any other program, I could only do the program 1 time. My only options were to pay over XXXX a month or settle for XXXX. He stated his computer shut down and he could no longer assist me. I hung up and called again at XXXX, spoke to another representative he stated again I didn't qualify for any programs and I can only do the program once and he could settle for XXXX and close the account. I asked could I apply for financial assistance and originally he said I couldn't. He then stated that he'll mail the form to me. I then called back at XXXX to request a deferment till I recieve the forms and they are processed and the representative said they couldn't give me a deferment. I called XX/XX/XXXX because I never received the financial forms I requested and asked for a deferment the representative said she sees where the forms were mailed out but still refused to give me the deferment.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

During the month of XXXX 2019, I lost my credit card and fraudulent charges were on my account for my Chase Amazon Visa ending in XXXX adding up to {$4000.00}. I contacted Chase Amazon Visa and notified them of the charges. There was a fraud case started and they applied a temporary credit to my account. In XX/XX/2019 they reversed the charges back to me. I contacted Chase and was told that they had multiple evidence that the charges were made by myself. Since I knew that was FALSE I asked them to provide me the so-called evidence. I was provided with screenshots of the orders going through which only shows the purchase and email, address, and phone number which, is NOT enough evidence in today 's technology world. The email on the order is not my email, the phone number is not my phone number or any other connection to myself. I made a police report within the city I reside in and I provided Chase Amazon Visa the police report and I asked them to re-open the case since they had false information of the order being placed by myself. I was provided a letter after and said they found no evidence of fraudulent charges and I would be responsible for the charges. When asking what they are basing their decision on and to provide me in writing of their conclusion, I was told they can not do that. As a consumer, I am entitled to know what I am paying for and why also, why I am responsible for an email and phone number that is not mine. I am contesting their decision and charges placed during XXXX 2019. I would like the Consumer Financial Protection Bureau to evaluate this situation and help since my rights have not been exercised from Chase Amazon Visa ending in XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This complaint is my follow-up process to make sure the disputed items that I've complained about in my previous complaint be removed immediately. Please remove the following items in my file for I believe heya are fraudulent : 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 2019-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (TX)

XXXX tried to charged me multiples times large amount of money from my saving account and I never authorized XXXX  to charged me any money from my saving account. and because I don't have enough funds when they tried to charge me from my saving account so Citi bank charged me 4 times of return check fee. 3 times of {$34.00} and one time of {$68.00} and Citi charged me {$170.00} total of return check fee but they only agreed to gave me two times of {$34.00} back which its {$68.00} and they aren't willing to give me rest of {$100.00} back and I am not happy about it, since it's unauthorized transaction in my account cause saving account charged me the return check fee and since it's unauthorized why am i responsibility to pay for the overdraft fee charge from my account?
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have been an American Express customer for 22 years. Originally it was for my company, a small TV production company that has worked on mostly children programs. Over the years I never had an issue with American Express. In XX/XX/XXXX my business was severely affected by the wildfires that swept across XXXX XXXX county, in that my primary client lost his home and was unable to continue our work together. This crippled my business. 

For the next several months I tried desperately to save the company that has my name since XX/XX/XXXX. In XX/XX/XXXX I was seemingly out of the woods, when, due to the stress, I suffered what is known as a XXXX '' XXXX XXXX. I will spare the details, but it's safe to say that I nearly lost my life that night. 

When I awoke one morning, I found that my personal Am Ex card had been sent to collections and my online account had been shut down. Now, keep in mind, I have never missed a payment on the personal card. Never even been late, or had any issue with it. It was just swept up in the handling of the corporate card and sent to a different company to be serviced. When I called the customer service department, I was told there was nothing they could do to help me. Even though I had made all my payments and had never been late, there was nothing anyone could do. The card was at the collection agency, end of story. Now I am faced with having to settle a debt that I was paying regularly on, but now must pay in one lump sum or they will report to the credit agencies. How can this be? 

In addition, the collection agency that bought the Corporate card debt has, on some days, contacts me up to five times, demanding that I resolve that debt. 

I am obsessive about my bills and staying ahead of them. This is why I am so concerned about this. I am being punished for something I did not do and have no control over. 

Please help me with this. There has to be something that can be done. American Express must not be allowed to treat people this way.
Consumer complaint received 2018-06-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (OH)

Hello My name is XXXX XXXX. I have a lease with GM Financial account # XXXX. 
I have add several issues with GM Finacial reporting incorrect information during this lease. Now that I am towards the end of my lease and will not be getting another car with GM Financial due to them reporting inaccurate information and delayed responds on issues. 
-Currently they have my credit reflecting that I have Two Cars in my Name with them which caused me to be denied finance a home and a early trade in option. 
I only have 1 car which is a XXXX XXXX opened XX/XX/XXXX balance {$3600.00} -I recieved an alert that a new lease was open in my name as of XX/XX/XXXX This is unexecptable i have not open any new credit with GM Financial .