davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IL)

On XX/XX/2021 I went to Citi Bank at XXXX XXXX XXXX  XXXX XXXX, IL XXXX to inquire on a savings promotion that I received in the mail. The offer ( attached ) was a direct mail offer to me, and existing Citibank Customer to open a savings account with {$250000.00} in new money to received a bonus of {$1000.00} after the balance requirement was met after 60 days ( Maintenance Period ). The bank representative XXXX XXXX advised me to take advantage of a different in branch offer. Open a Citi Gold Account Package with Checking and Savings to earn a bonus of {$1500.00} after 6 months by meeting the qualifier of depositing {$250000.00} new money. The bank representative opened the accounts for me and deposited my check of {$250000.00} from XXXX XXXX  ( new money ). The funds were split amongst the 2 accounts {$200000.00} to CG Checking ending XXXX and {$50000.00} to Citi Savings ending XXXX. 

After the 6 month period passed I did not receive bonus. I went into the branch to speak with the bank representative but he no longer worked there. I spoke with the Branch Manager XXXX XXXX, XXXX XXXX Head Concierge and numerous other representatives by phone. XXXX stated that I did not qualify for this promotion because I already had an existing checking account. If I did not qualify for this offer they never should have recommended this type of account for me. The original offer I inquired about did qualify for existing clients but they convinced me to open a different account package. XXXX and XXXX told me they would escalate my complaint for an exception for the bonus to be paid since the bank representative disclosed the incorrect terms to me. I have not heard back from XXXX or XXXX. I have contacted him numerous times by phone. I still have not received a resolution and response. They are ignoring me. The bank representative used deceptive sales practices to increase sales numbers by having me open numerous accounts for a promotion that they are saying I do not qualify for. 

The attachment includes the account opening disclosures given to me, the account opening summary of the 2 accounts opened and opening deposit balance, statement with account opening date deposit and copy of check as proof of new money
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian and XXXX along with OTHER 3rd party businesses, or affiliates currently show negative, inaccurate derogatory information reporting from XXXX XXXX XXXX XXXX. The issue is I never had an open revolving visa cash rewards credit card with a balance pending in the amount of {$100.00} or more with a limit of {$5000.00}. I had a cash rewards visa but that was paid off limit amount {$3500.00}. I have never consulted nor consented for XXXX to sell my name email to any mutual insurance or investors. In addition my mortgage and other personal loans are not being posted accurately by these 3 bureaus from XXXX XXXX  XXXX. There has not been a lag period more than 30 days. Why is XXXX reporting to Experian after paid and closed $ XXXX but updates highest balance $ XXXX? Just a lot of inaccuracies not doing me any favors. Instead things appear as though they are not in my case late, delayed, or hurting characterized in payments. However I have no delays no deficiencies pending w/any lenders mortgage payments or XXXX XXXX  all in good standing. The current mortgage value is not $ XXXX it's below. And XXXX leads what other lenders are seeing on my report.
Consumer complaint received 2016-04-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES, AND NEVER GOTTEN PROOF, OR ACTUAL INFO YET THEY SAY THEY CAN VERIFY IT. IDENTITY THEFT. PLEASE REMOVE
Consumer complaint received 2016-07-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (TN)

My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC (OH)

All three credit reporting agencies are reporting inconsistent, inaccurate different dates of reports last activity dates different charge off dates, XXXX XXXX reporting XXXX, experian reporting XXXX, equifax not reporting a t all which is incomplete reporting. For mariner finance account # XXXX
Consumer complaint received 2016-07-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BlueChip Financial (NJ)

The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reached out to Experian in regards to inaccurate reportings pertaining to addresses\employer information, the reporting of my transactions history on the credit report and also an inquiry that is on the report.. I spoke with a representative, XXXX, in which I expressed that I wanted all inaccurate addresses & employers removed because they are non mailing addresses and they are also not my employer. I noticed the transaction history and an inquiry that was on my report as well. I received the results from the dispute back and noticed on the dispute report the transaction history, inquiry history are still on my report and also a non mailing address was left on the report as well. I called and spoke with a representative who advised a manager would be calling back within 48-72 hours. I also asked the representative where they get this information from? I was then told Experian receives their information from non affiliates ( third parties ) and Experian is also sharing and receiving information non affiliates as well! Not only did Experian violate my rights under the Privacy Act of 1974 but also all this information should have been removed due to 15 USC 1681. Experian also is violating their own Privacy Right to Correct : You have the right to request correction of inaccurate personal information that Experian maintains about you. The law states it is illegal to report Transactions History ( which has not been updated on my report ).
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (OH)

15 usc 1681 reporting accurate and fair information this account has been charged off with reporting inaccurate information such as a past due amount different " open '' dates are not reporting the same, along with inaccurate reporting different last active and last payment date with all three credit reporting agencies are all different all the dates are reporting inaccurate and this account needs to be REMOVED/ DELETED
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I applied for a loan modification and was denied based on the wrong income. ( see attached ) Due to a calendaring oversight, my appeal -- which was based solely on the servicer 's error -- was one day late. The letter was dated XXXX XXXX, and I was supposed to reply within 30 days of the date of the letter. I did n't receive the letter until XXXX XXXX. The servicer refused to consider my appeal on XXXX XXXX ( due on XXXX XXXX ) even though it was their mistake in the first place. 
I provided income documentation and proof of the rental and boarder income I receive. One portion of the income is from boarders who co-occupy my portion of the building I live in and own. This is the only income I was given credit for, {$2000.00} a month. 
The income from the rest of the building, {$4900.00}, is currently paid to the court-appointed foreclosure commissioner. Between the date of the foreclosure judgment and the foreclosure sale, the commissioner told my tenants they were to pay him. No sale date has been set, and the foreclosure was on hold while my loan modification was being reviewed, but the commissioner kept the rents. 
The servicer did not give me credit for the rents, even though I provided proof from the commissioner that he was receiving the money. See attached. 
I do not think it is fair to deny me a chance to be considered for a loan modification, because of a one-day oversight to make an appeal I was making based only because of the servicer 's mistake on my income. 
I am represented by an attorney and my attorney is helping me file this complaint.
Consumer complaint received 2015-06-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Protas, Spivok & Collins. LLC (VA)

Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXXXXXX my wife and I hired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, to dig a new water line and install new pipes in our property in XXXX, MO. The cost was over {$8000.00} so we paid half and XXXX XXXX said we could finance half through their company. It turns out the financing was through Synchrony Bank when XXXX XXXX texted paperwork to sign. We were told we would have 12 months to pay off the balance and there would be no interest charged on the account by XXXX XXXX and Synchrony bank credit. As of XX/XX/XXXX, I have never received a bill for the amount financed nor have I received any paperwork or copy of the agreement we signed by text. Synchrony Bank was contacted today and the amount of the balance increased from {$4300.00} to over {$4400.00} with no paperwork sent to explain the difference. Synchrony customer service stated a statement has been mailed XXXX but we have received nothing. I was told XXXX XXXX lied to us about the payment and no interest being charged if paid within 12 months. XXXX XXXX was contacted and stated on XX/XX/XXXX, they did not lie as XXXX XXXX told my wife and me what Synchrony Bank told them. Since we have received no paperwork, we have nothing to argue with either company on the financing agreement we signed. Synchrony is charging us interest but we do not know what rate we are being charged as no paperwork has been sent to us. We have been taken advantage of by Synchrony Bank but have no proof. I was sent a credit card only, no statement, no copy of any signed agreement on the balance financed. Do we not have a right to information on this financing?
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$52.00} XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-04
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. (TX)

INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX  XXXX  I 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 2016-04-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

I am still waiting for PennyMac to release insurance funds meant to pay for a repaired roof. 
The XXXX tree that snapped and fell on my house in XXXX has been removed, the roof repaired, inspected, and all requested documents have been received, yet PennyMac refuses to say when I can expect to receive the check. Their representatives reveal new and unexpected delays every time I call, always adding that I can expect further delays if something unforeseen arises. Tomorrow will be XXXX XXXX, and PennyMac expresses no regret that I and my family have been severely inconvenienced by what appears to be a deliberate strategy to earn as much interest on the funds as possible. Numerous allegations of loss draft fraud by PennyMac can be found online. All contain similar stories, and advise customers to reach out to agencies such as this, and the state attorney general 's office as the only reliable way to encourage PennyMac to uphold its obligation, and not exacerbate catastrophes simply to make a few a dollars at their customers ' expense. When I asked if there is anyway to expedite this process, their representative told me that my case would " have to wait just like all the others. '' I should add that my mortgage payments have never been late, and that I had no reason to anticipate such blatant disregard for my time and situation. Travel plans have had to be postponed due to these unjustified delays, and I am deeply XXXX to pay the contractor whose urgent work was done in a timely manner. How many more months will it take for PennyMac to release the funds? How long can they legally postpone payment by claiming their various internal procedures must first be met, like XXXX to 5 days for each of several stages, like requesting the check, receiving it, sending it, and XXXX delivering it? I do n't believe these delays are legitimate, but merely designed to take advantage of their customers during a time when cooperation from their lender is most needed. It is a shameful and demeaning way to operate a business.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NV)

I applied for my barclay gold card actt ending in  XXXX  in  XXXX     2016. I  was informed that since I was an  XXXX   XXXX  military member all fees associated with my account would be waived and given 0 % interest till the end of my  XXXX   XXXX  commitment. In  XXXX   2016 Bar clay changed there policy and announced that these benifits would now only apply to those that had the card open prior to joining the military. This was a change from there original policy open to all those in the military regardless of the card was opened prior or after joining as long as the member was still on active orders. After I saw this change I their policy I called  Barclay and asked if i would be effected. I was told no since I had opened my account prior to the new policy that I would be grandfathered and my benifits would continue till the end of my service. I then just recently revived a new notification from Barclay  informing me that they would not be honoring the policy and that since I applied to the card after joinig I would now have to pay all fees associated with the card. I contacted barclay and asked what was going on they informed me that this was a change in policy and they could not do anything about it. I asked about being told before that I would be grandfathered as I applied prior to the new policy. They told me that I was being grandfathered but only for the fees of the year I joined and that would be it. I told them that when I first signed up I was given a letter that these benifits would continue till the end of my  XXXX   XXXX  service. At this point they just said sorry you can close your account if you want their is nothing we can do. I find this to be disturbing as the policy only changed after the fact and I did not recieve a notification in  XX/XX/XXXX  letting me know. I had to inquire to be told I would not be effected. Just to be told later on that I am now on the hook regardless of the original agreement.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX lied to me and said they were from the Federal Student Loan Education Department. When I spoke with the real company I found out that I had been scammed and the payments I authorized were not applied to my balance and my bank says I can't get my money back.
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This bank of America. Told me my checking account will be closed. That " was on XX/XX/XXXXXXXX XXXX XXXX They gave me a date of closure to bet set on XX/XX/XXXX. I told them I received XXXX from XXXX and requested a hardship. To withdrawal my money before holidays and was denied, because they was still processing a claim! So I waited till the XX/XX/XXXX, to see when my check will be mailed after closing. They made me wait XXXX days. I them called bank XX/XX/XXXX and was told they have no set closure date yet, And said that XX/XX/XXXX was just a estimated date of closing account. I have not commit no fraud or suspicious illegal activity. Now here it is almost 60 days later. I still have no access to my checking account that has around {$3200.00} cash. I'm unable to buy groceries essential needs, laundry detergent, this has put a lot of stress and damage on me mentally and physically.