davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (WA)

I have two mortgages with Guaranteed Rate Mortgage Co. located in XXXX XXXX, Illinois ... 

( I routinely check my balances and statements online. I need to check : 1- the status of my account, 2- whether the mortgage company has honestly paid the County property taxes that are due on the properties, 3- to ensure that they are correctly creditung my account towards princiole/interest/escrow etc. ) ... Their website that I log into as a borrower refuses to let me have access to my OWN accounts because they forcibly want me to agree to the " new terms '' that they have imposed which is -- " unconditionally accepting E statements '' that I do not want ... because I need hard copies in order to keep track of the 5 different mortgages I have ( as rentals ) ... so I have refused E statements from the application phase, and all through the years. But the website will not let me look at my own accounts unless I agree to E statements and they have refused to display my own information by any other alternate means around this obstruction. 

This is unlawful coercion and withholding of information that can otherwise keep them honest and accountable. These are written terms in our agreement that was signed at the time of property purchases in XXXX and XXXX that Guaranteed Rate agreed to perform in good faith but is failing to do so after the fact. 

By denying borrowers access, Guaranteed Rate mortgage Co is not only reneging on its agreement, and failing to perform as agreed to, but they are forcing borrowers to comply with E statements so they can maximize profits resulting from witholding hard copies to those that prefer a paper statement. 

The way Guaranteed Rate mortgage Co. does it is by denying borrowers access to their online accounts, and holding that information hostage -- which in turn robs borrowers of the right and ability to make sure that Guaranteed Rate mortgage Co. Is honestly performing the allocation of monies towards County taxes, Loan principal and interest, and Escrow funds.
Consumer complaint received 2021-02-13
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. (GA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX Account Number : XXXX Name on account : XXXX XXXX I have a XXXX XXXX  credit card. On XX/XX/XXXX, I paid the balance left over from {$6800.00} high balance to {$00.00}. No matter the payment amount, XXXX XXXX XXXX has not updated the balance on any of the 3 major credit bureaus files. On XX/XX/XXXX, the balance on this credit card was {$6800.00}. Below are the following payments I have made since, totaling {$7000.00}, yet, XXXX XXXX XXXX sometime known as XXXX has not updated my credit report, indicating a reduced balance of {$00.00} since XX/XX/XXXX. This has seriously hampered my ability to acquire credit without securing it with my own money. In addition, it has dropped my credit score over 70 points in Equifax, 40 points in XXXX and 33 points in XXXX. What is being reported to all 3 credit bureaus is that the credit card is maxed out at {$6800.00}, even today, XX/XX/XXXX, with no reflected any payments. Below are the payments that I have made. In my credit card file at XXXX, it's reflecting the {$00.00} balance but XXXX XXXX still has not updated either of my 3 credit reports. Equifax, XXXX  and XXXX all show that there is a balance of at least {$6800.00} as of today. 

XXXX XXXX Payment - Thank You - {$1900.00} XXXX XXXX Payment - Thank You - {$4600.00} XXXX XXXX Payment - Thank You - {$190.00} XXXX XXXX Payment - Thank You - {$190.00} Total Payments made since XX/XX/XXXX is {$7000.00} Immediately, Please have XXXX XXXX, XXXX correct this and XXXX out the balance reflected in all 3 of my credit reports.
Consumer complaint received 2022-10-03
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (TX)

randomly all of a sudden received a paperwork at the door by some one unknow that I am being sued. XXXX XXXX  from zwicker & associates pc XXXX XXXX XXXX  XXXX XXXX XXXX tx XXXX .behalf of XXXX XXXX XXXX XXXX. Amount is extremely high. i dont have job and currently going to an institution to find some for future. due impacted by pandemic. i cant even my bills on time evacuating in two moths before eviction.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

My Credit card account was abruptly closed on XX/XX/XXXX by citi bank over what seems to be a question regarding a billing dispute. I have a credit score over XXXX I have never been late, accrued interest, or missed a single payment in 4 years. This is nearly 2 weeks prior to when reward/cashback payments are to be made for spending over the course of the XXXX fiscal year. Over the course of the fiscal year I have earned {$1000.00} in cash back rewards which were to be paid with the XXXX statement. Additionally I have a - {$1000.00} on the account in over payments/merchandise returns that has also not been paid back to me. I have contacted the executive office of Citibank as requested with no solution no response.
Consumer complaint received 2022-10-03
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. (GA)

There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX XXXX  XXXX, GA, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 OH XXXX, 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 OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX A XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2016-05-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

This company sent me an email stating they have tried to contact me by phone and by mail. I have received no calls nor have I received any mail other than the email I received today XXXX/XXXX/2016. 
I just want to know if this company is legitimate.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AL)

on XX/XX/2021 I received notification of a bill due on XX/XX/2021. I contacted the company XXXX insurance and informed them i was moving and did not need the insurance anymore. XXXX confirmed and suspended any auto payment for the insurance and sent emails to confirm suspension of payments. Payments were being made from Wells Fargo Bank. I went to my online banking and cancelled any recurring payments to XXXX to Wells Fargo and verified the recurring payments were cancelled all on XX/XX/2021. On XX/XX/2021 Wells Fargo made the payment. I contacted Wells Fargo and explained what happened. Wells Fargo acknowledged no requiring payment existed but a manual payment was made. We did not make a manual payment after escalating my complaint three levels Wells Fargo could not explain why the manual payment was made.XXXX XXXX case number is XXXX. XXXX $ was paid without our authorization, there was an implication that payment was in process but ended up as a manual payment which Wells Fargo said we did, this is not true. Additional problems occurred which a second case was open case number XXXX, theses complaints are secondary but i will outline them. Voice recognition did not work, Wells Fargo verified I was enrolled ( the system failed on four occasions to recognize my voice ). Next I gave my card number and was told it was not my card, the third representative verified it was my card.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (MN)

short of cash paying vet bill in XXXX 2016, they offered a credit card from CareCredit/Synchrony Bank. HOWEVER, I had to charge an extra {$200.00} on the card for absolutely no services rendered to me. A few days later, still very upset over the rediculous charge fee, I withdrew funds from my savings account and had a bank check sent directly to the vet - not the credit card company. The check arrived at the vet 's on XXXX XXXX, 2016. A couple of weeks ago I started getting phone calls - daily - sometimes four times a day from CareCredit. I have not answered except for the first time, which turned out to be a recorded voice. They did send me a bill for {$220.00} as they added interest.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Credit Card does not reveal the APR when signing in for activity or paying. 
No where on the internet account is the information. It requires a paper statement ... 
All other information available, APR hidden. These accounts are variable interest rates, and hiding the rates is wrong. 
On some accounts I can download pdf of previous statements, which include the information ... but this one DOES NOT & gt ;
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

On XXXX, I sent a letter to this company regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an XXXX  this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Consumer complaint received 2021-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that during the time of this investigation, if they report any inaccurate or invalidated information that could be considered detrimental to any of my credit reports, they were again violating my consumer rights. This company continued to report inaccurate and invalidated information to the credit reporting agencies. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand these accounts be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Consumer complaint received 2021-11-26
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX OF XXXX XXXX Balance : {$440.00} Collection XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$630.00}
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (PA)

I was charged a MINIMUM INTEREST CHARGE FEE of {$2.00} on XXXX/XXXX/21. Upon talking with customer service, it appears my auto-pay did not take out sufficient funds to cover my statement balance and the associated charge was applied. I communicated that I've had autopay set up to pay my monthly statement balance for years. They did not disagree but said they were not able to remove the charge in the system.
Consumer complaint received 2021-07-03
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. (SC)

I have sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I opened a checking and savings account online XX/XX/21 with Citi Bank. I was sent a debit card and checks and issued an online username to access my account. When I went to login and activate my debit card it said my account was blocked. I called Citi and spent hours on the phone and they said they were unable to verify my identity and there is not a Citi Bank close to me. I asked for my funds back that I opened the account with. Never received. Called again 6 weeks later and again never received. Filed a complaint on here and finally received my funds back XX/XX/21. Yesterday I receive 2 emails that my accounts are over drafted and they are charging me {$5.00} for the savings account and {$39.00} for the checking. Called into Citi Bank again and was hung up on. Called back again and the person let me know I needed to speak to the fraud department ( again for the 3rd time now ). She then comes back on the line and says there is a technical issue and I cant be transferred and left me with no resolution whatsoever. I asked to speak to her supervisor and told her this has gone on for 6 months and completely unacceptable! This is traumatizing at this point and has taken up hours of my time for absolutely no reason. Im told the account is closed. They sent me the money back. I can not access anything online and there is no bank. Why am I receiving emails that my accounts are now overdrawn and Im being charged fees? No one from Citi Bank can give me answers and there is not a financial center close to me.
Consumer complaint received 2016-10-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

XXXX XXXX calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has 20 different phone numbers now in her phone as a " contact '' for XXXX XXXX. Just today, they have called 3 times in 3 hours between XXXX - XXXX.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (CO)

This account has been closed since XX/XX/XXXX. The car was auctioned by Ford Motor Co. for {$10000.00} and FORD CREDIT should not be reporting to the credit agencies if my account is closed and the vehicle has been auctioned off over 2 years ago. 

The following details reported by Ford Motor Credit should be removed immediately : XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$70.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$110.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$78.00} XX/XX/XXXX FORD MOTOR CREDIT Balance Increased by {$76.00} All of the above information should be removed from my credit report and any reporting done in the year XXXX. The account is closed, the vehicle has been auctioned off and the vehicle was purchased by myself and my roommate, XXXX XXXX XXXX, who had agreed to pay half the car payment and half the insurance. He never followed through with his obligations and paid any of the money he agreed to pay.
Consumer complaint received 2020-04-23
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. (IL)

Experian has not investigated the accounts below. Instead, Experian has altered my account histories causing my score to sink lower. Why would Experian knowingly do this? Fortunately, the report they sent demonstrates these malicious actions. If I can not get Experian to act I will subpoena the records for a lawsuit. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX  XXXX never late DEPT OF EDXXXX  XXXX never late XXXX XXXX XXXX XXXX  XXXX never late XXXX XXXX  XXXX not mine XXXX  XXXX never late XXXX  XXXX not mine XXXX XXXX XXXX  XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT - XXXX
Consumer complaint received 2021-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

My name is XXXX XXXX co-signer of Navient loan ID : XXXX and XXXX for my son XXXX XXXX. Each month I pay extra to be applied to the principal. I write clear directions on each payment stub, and also write allocation amounts for each loan in the memo section of the check. I then take a photo of all documents before mailing and the bank also has a copy of the cashed check. I do this due to the consistent and arbitrary misappropriation of funds that Ihave experienced with first Sallie Mae and now Navient. 
On XX/XX/21 I allocated XXXX to loan XXXX and XXXX to loan XXXX for a total payment of {$590.00}. Loan XXXX received the correct allocation and loan XXXX was shorted {$100.00}. Where did the {$100.00} go? 
I am so frustrated with this legalized extortion via student loan interest rates coupled with the ineptness of Navient. Thank you, once again, for reading of my concerns. Sincerely, XXXX XXXX
Consumer complaint received 2021-07-05
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: WELLS FARGO & COMPANY (FL)

Wells Fargo with whom I called when I received an alert from Experian on XX/XX/2021. The application number is XXXX and simply called and stated I did not try to obtain a credit card from Wells Fargo and this happened on XX/XX/2021. I spent hours speaking with one person after another and assured me the inquiries will be removed. 120 days later the inquiry is still there. 

the executive office never called me and simply sent a no reply email. I have given ample time and simply want the inquiries removed. I did not apply for a credit card and reported this to wells immediately. They seem not to take this to seriously!