davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Someone has acquired my personal information and have applied for services. I've a fraud alert on my credit file.I wasn't contacted by equifax or the companies running these inquiries.I 've contacted the businesses and they're telling me to contact the credit reporting agencies, the agencies are telling me to contact the companies.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (CA)

I contacted the company and told them that my information was used fraudulent in an attempt to gain credit and that I didn't submit the request. The Rep that I spoke with verify that the application was fraudulent but they refuse to have the inquiry removed from my credit report. My credit score has been impacted due to their refusal to remove the inquiry from my report.
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

For the last 14 years ( XX/XX/XXXX) Portfolio Recovery has been calling and sending collection Notices for a XXXX XXXX XXXX bill {$1200.00} from XX/XX/XXXX when I lost my house in foreclosure. I talked to them for many years explaining the bill went with the foreclosure on the house in XX/XX/XXXX. I moved to XXXX XXXX XXXX lived there for 10 years and they kept calling the house phone at my parents house and my cell phone. The kept insisting on multiple calls all times of the day and night. The also sent letters to my parents house. Every time I would answer and my dad would tell them the same thing. That the bill was from XX/XX/XXXX and went with the foreclosure on the house. I had a break from the calls recently because I changed my cell phone number and house number for the 10th time in 14 years. I spoke with someone Tuesday and told them the same thing I have been telling them for the last 14 years. So tonight XXXX XXXX  XX/XX/XXXX I got a phone call again from Portfolio Recovery spoke with XXXX XXXX and they are wanting to put it on my credit report and wanting to sue me for the bill from 14 years ago. The last 2 times I told them to stop harassing me with these phone calls about a bill from 14 years ago or I would contact a lawyer. I would like this harassment to stop because one it is from the last 14 years and statue of collecting the debt was only 4-6 years in Pennsylvania.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OH)

I opened Walmart account XX/XX/XXXX. My charge amount was XXXX they closed my card XX/XX/XXXX because I wanted my payment date changed from the XXXX to the XXXX. They closed my account when I wanted paper billing. I paid 18 straight bills adding up to {$910.00} which was way more that I shouldve paid. Then in XX/XX/XXXX XXXX XXXX contacted me to pay approx {$270.00} till XXXX and I did! I paid {$100.00} in XX/XX/XXXX. This all added up to {$1200.00}. And they have still charged me late fees XXXX and I havent charged sinceXX/XX/XXXX. And they wont stop even trying to talk to them several times again. Now my credit score is low because of Walmart/synchrony bank. They owe me money and need to stop the late fees my account was paid awhile ago for my charges which ended in XX/XX/XXXX. Id appreciate if you can make them stop on late fees and return me money they owe me. I made 18 straight payments of XXXX. Then XXXX XXXX XXXX. And then another XXXX it shouldve stopped when I paid XXXX  and I was just outta the hospital and wanted to be done with them. But no they are still charging me. Please make them stop and get me a refund thank you for your time
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (TX)

CitiCards has charged me an interest charge for the Months of XX/XX/2022 and XXXX XXXX monthly statements. 
I have always paid each months balance in Full prior to the statement due date. 
I have never had a balance owed from the previous month. 
Each monthly statement was paid by bank transfer and acknowledged by Citicards well before the ending due dates. 
I contacted Citicards customer service and they advised that there was a system problem, however the error has not been corrected- since there has not been a credit issued.
Consumer complaint received 2018-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

Voluntarily sought period loan for tires and wheels from a local vendor. During the transaction I was not given a contract, payment plan, or any clauses or provisions regarding interest rate. This occurred XX/XX/XXXX, a day before departing on official business to Maryland for two months. During my trip I noticed payments were automatically debited to my bank account from XXXX XXXX XXXX. I called to inquire. The representative assured me that the payments would take care of the balance, automatically deducted from my account. Relying on the automatic for much of the year. 
Months later, this XX/XX/XXXX, I noticed the payments continuing past the balance, {$1400.00}, the amount of funds paid to American First was {$1700.00}. I inquired again, it was then I was given a copy of the contract and payment plan. As is, the interest rate was 144 % with a total of 39 payments for a total over {$3800.00} I informed American First I would be file a formal complaint and suspend payment due to their practices and lack in Truth-in-Lending.
Consumer complaint received 2022-08-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Technologies, Inc. (TX)

Here are the items reporting that are outdated and inaccurately still reporting after expiration. 
XXXX account paid in full as agreed XXXX exceed 7 year delinquent history rule for reporting. 
XXXX  account paid in settlement. 
XXXX XXXX Paid as agreed XXXX XXXX  Paid as agreed XXXX XXXX expired past 7 years reporting. 
XXXX expired past 7 years reporting. 
XXXX XXXX  expired past 7 years reporting.
Consumer complaint received 2018-06-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advanced Collection Bureau, Inc. (FL)

contacted company asking about the Hippa laws violation.company refused to respond with original documents showing they have the right to brandish negative item on my credit report. 
I also contacted the the reporting bureau and they claim that advance verified that the account being reported is inaccurate.
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

This Complaint is in regards to loan # XXXX with Planet Home Lending. 

The loan was transferred to Planet Home lending for servicing on XX/XX/2020 as none-escrowed loan as represented in the closing disclosure document from the original lender XXXX XXXXXX/XX/XXXX. See attachment 1 - Loan XXXX Closing Disclosure. 

On XX/XX/2020, I paid my property taxes to XXXX XXXX Treasurer Tax Collector as the loan is none-escrowed. See attachment 2- Loan XXXX Property Tax Payment. 

On XX/XX/2020, I received XXXX monthly mortgage statement from Planet Home Lending claiming they paid property taxes on my behalf on XX/XX/2020 and added an escrow advance with negative balance of {$2800.00} to my account even though the account is none escrowed. See attachment 2 - Loan XXXX XXXX statement. 

I confirmed with XXXX XXXX Treasurer Tax Collector that they have never received any payment from the lender on my behalf and the only payment they received is the one I paid online myself. 

Since then, I have called the lender more than 5 times in separate occasions and explained the error multiple times to different customer service reps and emailed them copy of the closing disclosure showing the loan is none-escrowed. However, they are refusing to remove the escrow advance negative balance from my account. In fact, the negative balance still shows on the most recent statement and annual form 1098. See Attachment 4- Loan # XXXX XXXX Statement and 1098 Annual Statement Im currently in the process of refinancing the loan with another lender and afraid that Planet Home Lending provide misleading payoff letter to the new lender showing I have negative balance of {$2800.00} on my escrow account which will be added to the new loan balance. 

Please protect me against this lender fraud that going on for over 2 months with no resolution from the lender.
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Consumer Financial Services (IL)

ACCOUNT # XXXX XXXX XXXX phone # XXXX Car was repoed on XX/XX/2020 after it was payed off completely but not giving the tittle I had personal stuff of value in my car because I was moving and they wouldn't tell me where the vehicle was. 

I NEED ANSWERS and help i don't know where to go and its messing with my credit
Consumer complaint received 2021-09-13
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I 'm having a problem with AES, whom holds my student loans. The problems are the following ; 1. I have not received statements via mail nor email from the company. I 'm currently signed up to receive electronic statements and have not received them in my inbox nor spam. I 'm requesting the following delinquencies removed from the credit bureau report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. <P/>2. There are 3 loans held by the lender, all with different due dates during the month. Three months ago I requested a due date change to the XXXX of the month for all three loans. The lender has yet tp respond to the request. The request was submitted twice via the online system and once with a representative. Each time they indicate it takes 15 days to process the request. They have intentionally made the due date varying days during the month to confuse me and collect additional late fees on the loan. <P/>For example, the month of XXXX reported an amount due of approx. {$600.00}. XX/XX/XXXX I paid {$200.00} to bring the amount due to Approx {$400.00}. Two days later is had increased the amount due back to {$600.00}. I paid another {$220.00}  on XX/XX/XXXX. XX/XX/XXXX the account was back up to {$600.00} due, I paid {$490.00}, followed by two payments of {$140.00} and {$34.00} on XX/XX/XXXX. In total, I paid {$1100.00}. My monthly payments total {$320.00}. The representative was unable to explain where my money went and why the payments were not reflective of the balance due. I have been unjustly charged late fees and additional payments. <P/>I request an audit of the lending practices with payment due date, payments applied to accounts. It appears my monies paid were not applied to the balance.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (MD)

I have a nonprofit  account with PNC Bank, for the past week I have been trying to link the bank account with our XXXX account. XXXX XXXX  XXXX is the financial agency that distributes fundraised money to non-profits. Every-time I attempt to link the accounts I get several different error messages from PNC. The most frequent is " PNC has made a change that prevents you from being able to link your accounts ''. This is extremely frustraiting due to the fact that linking the accounts would allow for direct deposit rather than having to wait weeks/months for funds to be sent via mail. Getting the funds is a time-sensitive matter for my XXXX  as we are doing Covid-19 relief efforts and need access to our funds as soon as possible. I have called PNC bank and they were not helpful and also said it may be a problem on XXXX end.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2020, I opened a Wells Fargo Everyday Checking account with an attached bonus offer. The bonus offer promised a {$400.00} bonus after opening an account with an opening deposit of {$25.00} and making direct deposits worth {$4000.00} or more into the account. 

On XX/XX/XXXX, I made a direct deposit of {$500.00}. This should have satisfied the opening deposit requirement and part of the {$4000.00} requirement. 

Also on XX/XX/XXXX, I made another direct deposit of {$3500.00}, which should have completed the {$4000.00} requirement and made me eligible to receive the bonus. 

On XX/XX/XXXX, I still had not received the bonus, so I called Wells Fargo customer support. I was told that my first deposit counted as the opening deposit, and only the second counted toward the {$4000.00} direct deposit requirement. I was told that I had no recourse and missed out on the bonus. 

I feel this technicality was misleading, as this was not specified in the fine print and at no time was I warned or informed that I was in jeopardy of missing the bonus. I feel I satisfied both the opening deposit requirement and the requirement of direct depositing {$4000.00} into my account. 

Because my money was tied up in this account, I was not able to use it to invest in other sectors, effectively taking further potential earnings away from me.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

I am referencing case   XXXX   from the CFPB. This case was closed and was originally opened due to Chase closing my accounts without notice due to too many requests for credit, despite them approving me for the credit and informing me of my excellent repayment history. Upon further review, Chase reopened my accounts  on   XXXX   XXXX  , 2017. This  was 9 days ago. Upon calling into Chase tonight, I was informed that they had closed all of my accounts again. They have essentially lied to the CFPB and me stating that they would reopen my account so that the case would be closed and then closing my cards right after CFPB closed the case. This is definitely unethical behavior on Chase 's end and also closing my accounts after 9 days later telling me that they would be reopened. Also, in reference to the previous case, Chase 's representative refused to provide any sort of reference number or a specific name that I could reach her by, thus I still have been unable to reach that lady who provided me the initial information. Very sketchy for a " legitimate company ''. I have not done anything wrong and my payment history shows no bankruptcies or delinquent accounts. Additionally, I have perfect payment history carrying no balances between months and always staying under 1 % of my utilization ratio. My closing my account without notice, not only are they hurting my credit as I am   XXXX   years old with one of my oldest accounts with Chase, they are also misleading the case referenced by stating they " reopened '' my accounts, just so that CFPB would close the case.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Ditech mortgage was showing me as 2 times 30 in 2016. I printed off my payment history from their site and have cancelled checks to prove I was not late ever. Once I disputed with credit and filed a complaint with Ditech they agreed to research then marked me 5 times 30 for 2016. Again, I have never been late with them and have the proof from their website and my cancelled checks. Now they wont respond. I have been adversely affected by this as I can not refinance, and am not able to get pre approved to purchase a home which we were looking to do.
Consumer complaint received 2021-09-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Select Management Resources, LLC (MN)

I took out a title loan with LoanMax in XXXX WI. My payment was 7 days past due and I had previously spoken to one of their Representatives ( last week ) about the fact my payment was going to be late. I received a call from them XX/XX/XXXX at XXXX. from their number XXXX and was on another call so I was unable to answer. Within 5 minutes I received a text from my son in CA whom I had put down as a reference when taking out the loan that he had just received a call from a XXXX about my car and they are looking for me. No more than his text came in and my other son whom I also put down as a reference ( they required 4 references and my boss 's name and phone number as part of the application ) and he stated the same thing that someone is trying to get a hold of me about my car.

I find this collection practice extremely predatory and intimidating as it is designed to embarrass you if you are a miniscule late with your payment or not immediately available to answer their phone calls.
Consumer complaint received 2017-06-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX   XXXX  from  Wells Fargo g ive me instructions on how to proceed or how to ask for an extension so I do so just the way he told me the original Conversation we can have two weeks later call me back and is asking me for more documentation more information paperwork from the court etc. Why did you not tell me that from the first time.   We have been going through hoops bounds trying to satis fy Wells Fargo wh o seem to be harassing us keeping us from paying off the reverse mortgage forcing us to become legal representatives of the deceased. I do not appreciate  XXXX   XXXX  in accurate information he should be reprimanded or fire d. Wells Fargo  's company takes advantage and harasses elderly only to keep the property for themselves.      Wells Fargo ca n't seem to update any records anytime soon, I will never recommend or use Wells Fargo un til the day I die. Home owners insurance was purchased  three  months ago and it still has not been updated and yet they take out their own homeowners insurance on the property sending me a bill  XXXX  ...    Yes Wells Fargo   XXXX
Consumer complaint received 2021-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP (GA)

I was informed yesterday, and it was admitted by the assistant branch manager at Ameris Bank in XXXX on XXXX XXXX that my legally separated spouse was given information about an account that she is not listed on with our bank. It is a joint account that I have with my son for his social security that she is not allowed to be listed on. Instead of calling the adult listed on the account, the assistant manager admitted to breaking protocol and giving the information to them without contacting an adult listed on the account. For the record, my son is underage and has no legal form of id. This is not an account that my child knows about, he has never utilized this account, and I have informed several people at the bank prior to this event that my wife has filed for divorce when I started a new account with them.