davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Dear CFPB, I have applied for a credit card with Citibank. I am employed, my credit score is above 800 and I have a 13 years of credit history without a single miss-payment. My income is above the requirement for credit cards and I am employed. The only reason that comes to my mind about denial is my ethnicity and last name. I complained to the bank and they gave me a bogus broad term " credit report '' as the reason for denial of my application. I hope you can prevent their discriminatory behavior. 

Best, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-03-20
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: MSW Capital, LLC (FL)

My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.
Consumer complaint received 2017-11-28
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. (NY)

I brought my XXXX mini van in to be repaired at XXXX auto in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX chase credit card company of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?
Consumer complaint received 2020-05-04
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX  XXXX {$690.00} XXXX  XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-05-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: INDEPENDENT BANK CORP. (MA)

I have been trying to work with my business bank ( XXXX XXXX ) to apply for a PPP loan. I have a business relationship with them. I am a seasonal business requiring a calculation based on a seasonal period, which is allowed under the PPP program. The bank is refusing to process my application for unknown reasons, trying to instead offer me a loan amount significantly less and not an accurate representation of my payroll as specified by the treasury department and the SBA. I originally submitted my application in early XXXX and have tried numerous times to talk with anyone I have dealt with. Any time I am able to speak with someone they are unable to provide any information relevant to my application, including necessary documentation they need from me to validate my payroll numbers. I believe they are screening my calls and refusing to do business with me waiting for funding to run out.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Over the past 12 months ; I've sent over 12 dispute letters and XXXX XXXX and Equifax have continued to violate the law reporting inaccurate credit information. Furthermore, this account is in violation of the bankruptcy laws because this account was settled in bankruptcy over 5 years ago and XXXX continues to report this account inaccurately. Because of the inaccurate reporting on the balance continually this account must be deleted under the FCRA. Any continued reporting will result in filing with AG and federal exploration of the FCRA lawsuit because of the injuries nature of this inaccurate information I have been unable to obtain employment, buy a home and/or an apartment. Delete this inaccurate account immediately!
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
Consumer complaint received 2020-05-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A. (CA)

I had a financial emergency and took out an online payment with this company sometime in XXXX i paid off the loan and then re loaned and then had a medical issue and was off of work for a period of time and unable to pay, i sent several messages requested a payment plan and was denied a feasible plan that worked for me, so I then sent a letter to revoke ACH payments being taken out of my account.. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in had email conversations with someone named XXXX again with no resolution. 
Today XXXX, my mother and ex husband both reached out to me that someone named XXXX XXXX from XXXX XXXX was calling regarding a complaint I filed and inquiring about my address and personal information. this person mislead the callers was mischievous and malicious about getting my personal information, this person was very unprofessional when I called back was in fact laughing when i told him how he went about reaching me was unprofessional. I am very upset. when asked about company information he was hesitant and then provided the business address as XXXX XXXX XXXX XXXX, New York. XXXX
Consumer complaint received 2017-11-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We were denied 9 times through an attorney to obtain HARP assistance and finally had to submit to a 40 year re-finance through Wells Fargo at 6.875 % interest or they threatened to foreclosure on our home. For 10 years we made our payments on time and never late. I am XXXX years old and my husband is XXXX years old and we will never be able to pay off our home now. My husband retired 5 years ago after almost 40 years of XXXX XXXX. Wells Fargo added missed payments to the existing balance of our loan which was incorrect. Therefore, our previous balance went from {$130000.00} to {$170000.00}. The refinance was unethical and we think the loan is a predatory loan. We would like to get some help as our {$1500.00} monthly payment to Wells Fargo is all interest save {$55.00}. Disgraceful!!!! Please help.
Consumer complaint received 2020-05-04
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. (MD)

This XXXX 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on Equifax. 
It is a fraudulent account.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (IL)

Creditor : XXXX XXXX XXXX XXXX XXXX - Another person took out cable service under my name and in a different state. I have completed/signed and sent an affidavit with the creditor. Filed a local police report. The creditor just made there third attempt with another collection agency ERC - XXXX, FL. 

XXXX XXXX XXXX Ignores the law ... .. Simple : take legal action and receive a court judgment if I am accountable.
Consumer complaint received 2018-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

On XX/XX/XXXX I was provided a modification from Ditech with arrears deferred and first payment of {$460.00} was due on XX/XX/XXXX. Ditech did not uphold their agreement of the modification and placed my account in foreclosures before payment was even due. My house was about to sell so I had to filed bankruptcy with Attorney XXXX XXXX on XX/XX/XXXX only to save my home. Ditech said I owed insurance fees back dated from XX/XX/XXXXand the Bankruptcy trustee said that they had to dismiss my case due to I will not be able to afford it. My attorney advised me to come into the office so that we could get the bankruptcy straightened out. In between me getting to his office I had an medical emergency that caused me to be hospitalized for about 10 days and My car also was repossessed due to the mishandling and misleading information. A escrow account ending in XXXX is on my account that I never received any information about or payments that was due to me. The last analysis was did on XX/XX/XXXX. A total amount of XXXX was paid out of the account to insurance on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. After looking through my payment history I see several large amounts being distributed to insurance over the years of my account starting XX/XX/XXXX. 
I filed a claim to have house fixed but claim was denied by XXXX XXXX insurance company provided by Ditech replacement insurance. They also have had my divorce decree on file since XX/XX/XXXXto update my name on file but have not did so as of yet.
Consumer complaint received 2020-05-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/2020 : received a call that I missed in which they left a voicemail stating they were calling me as a legal representative in regards to a case number and that they would now have to contact my employer to locate me. Then given the number to XXXX to call. 

I called to find out what it was because I thought it was something in regards to my unemployment benefits since Im currently out of work and needing the assistance. I was then told it was for ace cash express and I needed to pay XXXX and I stated I couldnt pay that right now so they gave me an amount of XXXX for by-weekly installments I was driving and asked if I can call back and the representative said if I hung up she would mark me as refusal to pay. I was driving.. I ended up disconnecting as I got to my destination. 

XX/XX/2020 : I received a second call from the legal representative in which she ends the call with my name and you will be located .... in a threatening manor. So I call the 855 number left again and was then trying to figure out more information about the legitimacy of this company but they refused to answer when I asked who they were. And so I hung up. 

I felt intimated and then just reached back out to same number and got a representative on the line who then placed me on hold and transferred me to the representative from from. I then explained to her at this point I wasnt able to fulfill an agreement of paying the amount of XXXX dollars BI-WEEKLY as I wasnt working right now due to corona and not expected to return back to work at the end of month. Hopefully. She then said she was going to put me on hold and see if she can talk to in-house counsel to hold off. She placed me on a 1 minute hold and said nope they cant hold off, so she is going to have to put me down as refusal to pay. and an officer was going to locate me at my address to take me to court. I didnt refuse to pay anything nor have I ever refused to pay this company, I have had little to no contact that I can recall from ace to collect payment back on my payday loan borrowed.. I tried to work with their hired debt collector to see if I can  pay when I began working and they refused. So now they are threatening to serve me and cost me XXXX of court fines from a XXXX dollar loan I owed in which I was paying on through payments.. I feel as this is unfair to me as I wasnt given much option to pay back what I owed especially since Im out of work right now and have no income to pay. I feel just harassed at the fact I was threatened to have officers look for me at my old job, home, etc..
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I am writing in response to a phone call I had with a JCPenney representative regarding my account # XXXX XXXX XXXX XXXX. He was very rude with me and after asking him on three different occasions to let me speak to a superior, he refused and continued to argue his belief of my situation. I called because I realized that for over a year I have been charged late fees totaling over {$600.00} within the past year ( that the representative was able to establish to date ). He could not tell me at what point the fees began because he stated he could only see as far back as the XXXX XXXX statement. The belief is that the practice has been going on much longer. 

At some point in XXXX, I must have missed a payment. My frustration is I totally agree that if I had a late or missed payment, I should be charged a fee for that month, but not every month after that. There has never been any notification from JCP that this was a continued problem or a re-occurring issue for the past year or so. I am not sure if what has happened to my account is even legal. A customer should be liable for any late fees applied and I completely agree with that but if I make a payment for a specific month, then it is my intention to pay for that month including fees, if any. It should not be applied as JCP deems fit against a previous month in order to accrue monthly late fees on a continuous basis for more than a year.

Being a long time customer of JCP, I am very disappointed how my account has been handled and the lack of communication and customer service given to me over the years as well as the representative who was so argumentative with me in response to everything I was explaining to him trying to clarify what went wrong. I even asked if we could verify these payments by the confirmation numbers I wanted to provide for the month ( s ) I had paid and he refused. As a consumer, at the very least, I should have been told when these fees began in order to attempt to determine exactly where the discrepancy began. He was unable to provide me with any information regarding these fees being applied to my account prior to XXXX XXXX.
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NY)

While processing a payment for an online purchase through PayPal, I was the victim of Identity theft. I thought I was communicating with a PayPal employee ; however, someone intercepted and instructed me to use a link to fix a problem with my account. I was using my debit card. In the space of a few minutes, the criminal transferred four payments from my bank account amounting to a total of {$2400.00}. As soon as I realized what was happening I ended the call and attempted to contact PayPal without success. I then called the credit card company and cancelled the card. I notified my bank immediately and they refused to pay PayPal for the transferred pending amount when they found out I had been victimized. I registered complaints with PayPay explaining that I did not authorize the payments. They were negligent because they failed to monitor my account. The purchases were way out of line for my customary types of purchases. I never made purchases that amounted to more than {$150.00}. They should have questioned the 4 transactions because the purchases totalled {$2400.00} and were placed within a period of a few minutes. I contacted the PayPal customer service department who transferred me to their Resolution Department. Three attempts were made to resolve the problem, but they refused to work in my behalf. They informed me the payments were not unauthorized. The incident happened on XX/XX/2020. PayPal has assigned a collection agency to collect the {$2400.00}.
Consumer complaint received 2020-05-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2020-01-15
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. (TX)

I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (MI)

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX  XXXX  via XXXX