davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MN)

In XX/XX/XXXX I paid off Comenity Bank - XXXX account - to a XXXX balance and have NEVER used their card ever again. I had both called the bank and wrote them a letter that the account had been paid in full and would no longer be used because I didn't agree any longer with their interest being charged. I thought that was the endd of it until last week. 

I was checking my credit report and discovered that as of XX/XX/XXXX this bank had norified the credit bureaus that the account had been closed - thus I received a XXXX point drop in my credit rating because of a CLOSED account. 

This account was PAID OFF IN FULL, not closed by the bank. This MUST be corrected immediately.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MD)

My Grandmother is XXXX and in assisted living. My father is her financial power of attorney and has access to her three bank accounts to handle her financial affairs and cover her living costs as she is no longer able to do so. All three of her accounts were with PNC Bank, two checking accounts and one savings account. She receives her monthly social security check to her savings account monthly. This monthly income is used for her assisted living expenses. PNC bank WITHOUT notice closed her savings account in XX/XX/2020. We had received her XX/XX/2020 statement and there was monthly activity, the most recent being on XX/XX/2020. We have tried to reach out to PNC and get an answer as to why her account was closed. We were unable to get through to a person that could give us a clear answer or help set up a new savings or help us connect her social security to one of her checking accounts so she may receive her monthly direct deposit. This is not the first issue we have had dealing with PNC bank. A few years ago we used their business banking for our family 's small business and due to their extreme lack of care for anything other than deducting monthly fees from our accounts we closed our business accounts and have tried to have minimal contact with them. I have contacted PNC through their XXXX page and again received zero assistance for their mistake regarding the closed savings account. Their XXXX  page is riddled with complaints from their customers and their responses show a severe lack of accountability. Personally I feel terrible for the employees that are forced to be on the front lines handling these customer complaints when it is the institution of PNC bank itself that is the problem. Their policies and practices show they only exist to charge over the top fees and use their customer 's money to invest in the stock market. They show such an extreme lack of regard for their customers and doing the right thing in general I'm shocked anyone would choose to use them for any type of banking needs. I was hesitant to file a complaint since in PNC 's view my grandmother 's account is chump change and probably not worth their time. However, my grandmother desperately needs her social security to meets her monthly expense needs and is unable to defend herself or navigate opening a new account. PNC needs to be held accountable for their actions.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (GA)

I contacted Chase Auto Finance in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the Chase representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. 

As of XX/XX/2020 my credit report reflects the following, Collateral - Deferred to XXXX Remarks - payment deferred Payment History - XXXX 2020 - NR Date of last payment XX/XX/2020 As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX  XXXX  that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the DIrector of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. 

Chase Auto Finance granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose to me that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XX/XX/2020 installment was paid prior to the due date. I am currently not in a hardship. Chase did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by Chase that was supposed to prevent a negative report on my credit for these months. Chase did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided Chase given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with Chase Auto Finance and is a violation of the FCRA. 

I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to Chase Auto Finance.
Consumer complaint received 2017-01-11
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I am the XXXX of my mother 's estate. I have all the necessary documents from the probate court along with the death certificate. I went to the Wells Fargo branch to close out her savings account. I was told that they needed the EIN of her estate account. I have not had to set up an estate account for her other investment accounts, etc. I informed the bank manager that I do not need an EIN to close out the account. He refused to disperse the funds. I contacted a probate attorney and he verified that Wells Fargo does not need to know the EIN to disperse funds. The funds can be dispersed through a check made out to 'the estate of ' but they do not need an EIN to do that.
Consumer complaint received 2020-07-18
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)

I have never had a relationship with XXXX XXXX ( original creditor ). XXXX XXXX XXXX is reporting a collection account of {$1200.00}. I have contacted XXXX XXXX to inform them of a fraudulent account and was informed there is nothing they can do given that XXXX XXXX XXXX is collecting on this delinquent debt. I contacted XXXX XXXX XXXX   immediately following my call to XXXX XXXX. I was transferred to a voice mail and my call never returned after leaving detailed information. XXXX and Experian refuse to remove this fraudulent account from my credit report.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/2018 I discussed a payment extension with this creditor for the XX/XX/2018 installment. At the time I lived in XXXX  and was in the process of relocating to XXXX. The representative who agreed to process my extension for the installment due XX/XX/2018. I relocated to XXXX  on XX/XX/2018. I never received confirmation this extension was processed. 

My mail began being forwarded sometime in the month of the XXXX. Once I moved, I never received the document to reflecting an extension. As a result, my loan began reporting past due over 30 days late as of XX/XX/2018. 

I contacted XXXX again on or around XX/XX/2018 advising them my credit bureau reported incorrectly and should show an extension was process for XX/XX/2018 installment payment. The representative explained the loan was 30 days past due and the extension was never processed. She said a letter for the extension was never returned and therefore was not processed. Evidently the State of XXXX  requires an agreement for extension be signed to execute. At that time the representative acknowledged since I now resided in XXXX  the payment for XX/XX/2018 and XX/XX/2018 could be extended with the next payment due XX/XX/2018. Upon reciting company required disclosures an extension was processed for these two installments and my loan was brought current. 

My bureau currently reflects a 30 late payment for the XX/XX/2018 which should be corrected to reflected CURRENT.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (OR)

We closed on our loan with Finance of America in XXXX. Our first payment was due XXXX XXXX On XX/XX/XXXX, we decided to make a principal curtailment payment in the amount of {$1400.00}. Before making the payment, I called Finance of America to make sure the account was set up and ready to accept the payment. I offered to pay over the phone through a representative to avoid any mis-allocations of the funds. The customer service representative informed me that if I did that she would charge me a fee. Therefore, I requested that notes be made in the account stating that I would be sending in a principal curtailment payment electronically. The same day, XX/XX/XXXX, I made an electronic payment on which I indicated that the funds were for principal curtailment. 

Finance of America processed the funds on XX/XX/XXXX. In spite of my best efforts at communication, part of the funds were applied to XXXX 's payment instead of reducing the principle as requested. I received a statement stating that no payment was due until XXXX. I was surprised. On XX/XX/XXXX, I called Finance of America and requested the funds be allocated according to my wishes. Please recall no payment was due until XXXX first. This time the representative informed me that until I made XXXX 's payment, they could not make a principle curtailment payment. I made a second payment on XX/XX/XXXX in order for them to process said principal curtailment. A ticket was created and sent to the 'appropriate ' department. 

I followed up with Finance of America on XX/XX/XXXX or XXXX to see if the issue was resolved. I was informed that they would be completing the ticket on XX/XX/XXXX. 
Today, XXXX XXXX I received a statement from Finance of America stating that no payment was due until XXXX XXXX. Thus indicating that all my attempts at having funds allocated appropriately were in vain. I tried to call customer service and requested to speak with a manager, before the transfer, I requested that if the call dropped to please call me back. I also contacted our loan officer, who is trying to be very helpful and gave us the information needed to contact you. As of this writing, no-one from Finance of America customer service nor the servicing department has called me back. 

We are not happy with how they have handled a new customer!!!
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

Kimball, Tirey , St John are collection agents for a home rental debt that became a default judgment in  XX/XX/2013, the claimed BY CREDITOR date of D.O.F.D.The account no.is XXXX .I have challenged the debt as re-aged, that is, the date of first delinquency was many months prior to the date Kimball ... continuously verifies with XXXX  and XXXX  as a collection account with those  bureaus.XXXX and XXXX  have been provided sufficient information to easily see that the debt is re-aged.The date of 1st delinquency is XX/XX/2013, the date the unpaid rent was due.Since the bureaus do not look into or understand the proof given, they continuously go to the lying collector for verification.This has occurred more than 20 times between XXXX  AND XXXX.I do not doubt that Kimball Tirey as attorneys understand the FCRA violation, they just don't care about the law and lie to the bureaus.XXXX  acted unilaterally and removed the account upon proof of re-aging.I have attached the court docket to prove that Kimball Tirey 's collection efforts on this debt were ongoing in  XX/XX/2013.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (NY)

Having already submitted a complaint on this issue to CFPB ( Complaint # XXXX ), the company 's reply is a simple untruth. 

I had received a direct deposit on XX/XX/2020 for {$500.00} and thus am eligible for the said promotion.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP (PA)

XX/XX/XXXX, XXXX XXXX XXXX, Pressler & Pressler attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt XXXX envelope from Pressler, Felt, Warshaw LLP. 

XX/XX/XXXX I received a certified mail package From XXXX XXXX XXXX, Pressler, and XXXX XXXX of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

XXXX XXXX XXXX remained XXXX, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that 1 ) this debt was paid by bank levy, 2 ) Pressler and XXXX XXXX have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.
Consumer complaint received 2020-07-18
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: ID Analytics, Inc. (OH)

I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX   XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?
Consumer complaint received 2018-06-24
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: Credit Karma (NJ)

I got hard inquiry report on my credit, the report said a hard inquiry being pulled on XX/XX/XXXX from XXXX XXXX XXXX/XXXX XXXX, I called the no on there ( XXXX ) and said that theyre not responsible for the report being made, what should I do?
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MN)

I am still having issues opening a Wells Fargo Bank checking account after Wells Fargo Bank has informed me by U.S. mail that they would have the consumer reporting agency XXXX XXXX XXXX to delete all adverse information from my consumer report with XXXX XXXX XXXX. I tried to open a Well Fargo Bank checking account online in XX/XX/2020 and was denied, even after Wells Fargo Bank told me they would submit information to XXXX XXXX XXXX to delete negative information from my consumer report. I feel like Wells Fargo is discriminating against me because of my race and me having my previous debt with Wells Fargo Bank discharged under Chapter XXXX on XX/XX/2020 in bankruptcy court with the United States District Court-District of Minnesota.
Consumer complaint received 2018-06-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Forster & Garbus LLP (NY)

I owed XXXX almost 22, 000, on a private student loan. 
First they taped up a summons stating that I was getting sued on my neighbors door, not mine. My neighbors now know my business. 
I received notarized mail from someone with a fraudulent name. " XXXX XXXX '' attempting to collect money by this collection agency. 

Lastly, I spoke to a representative that worked out a repayment agreement of me putting down {$1200.00} and to making monthly payments of {$240.00} until XXXX, XXXX is paid off. 
They sent me triplicate contracts stating that I will pay the full amount of the loan ( XXXX ) with monthly payments of {$240.00}. This isn't what I discussed with them. When I questioned them as to why the contractual agreement sent to me didn't state the specifics of the repay agreement I made them on the phone. The collection worker just kept questioning me as to why I wouldn't sign the form and that they would get another department involved. 
I have called this persons supervisor three times over the last three days and she has yet to get back to me to answer my questions. 
I feel that the Foster & Garbus LLP made a verbal agreement on the phone and now are purposely sending me forms with whole amount to be paid with no mention of the amound we agreed I would pay.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On both the Equifax and XXXX  Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with Equifax online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with XXXX. They do not allow people to file disputes.
Consumer complaint received 2016-03-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Adjusters (CT)

I got an automated call from XXXX stating that it was American Credit Adjusters and that they had a case that was filed with them against me. I was advised that my attorney or I needed to send something to them within 24 hours. It stated that they were going to pursue charges against me and I 'd be served at either my home or place of employment. I was told to call XXXX and provider my case # of XXXX ( my case # is my parents landline # and I do n't have any dealings with their phone at all so I do n't know where they got that information from ). They called my parents and my aunt, I 'm not sure how they linked my aunt to me but they 've gone that far.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On both the XXXX  and Transunion Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with XXXX online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with Transunion. They do not allow people to file disputes.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (LA)

I would like to report Belk clothing store for high pressure sales. I work at the store in the store in XXXX XXXX Louisiana. There are times when the managers are paying cash to the employees when they run a credit application. There are also high pressure sales goals set for the employees. One employee was expected to get fifteen applications in one day in order to meet a goal. I also know that employees fill out applications for family members and friends just so they won't get in trouble with management. 

To be fair, I honestly do not think this pressure is not coming from local management. This behavior is demanded from higher levels of management.