davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-23
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: WELLS FARGO & COMPANY (GA)

I made on XXXX.18 two transactions at XXXX XXXX and was supposed to earn an additional bonus of 30 % cash rewards for the first purchase up to a maximum of XXXX cash back. I signed up for the offer XX/XX/2018 at XXXX XXXX. The first purchase was in the amount of {$180.00} ( Men 's Department ). The second purchase was in the amount of {$30.00} ( Women 's Beauty department ). The Wells Fargo system defaulted the bonus to the second purchase which was only {$30.00} - I earned XXXX instead of the 30 % of the larger transaction of {$180.00} which should have equated to XXXX . I am due a total of XXXX- XXXX=XXXX. I feel particularly misled because i had the option to use my XXXX XXXX  card for a total of 25 % of my transactions but chose the 30 % the Wells Fargo Cash Wise card promised. 
I called the Wells Fargo rewards department which repeatedly asked me for my receipt which i did not keep as the purchase was a gift for my dad and had no intention returning.They seem to refuse to request the receipt from XXXX XXXX to check the time stamp on the receipt and validate the larger purchase was in fact made first. If I were to dispute the transaction they could easily obtain that receipt from the store.Not sure whether the two transactions made the same date were posted as a batch and the system defaulted to what was convenient for the bank and at the cost of the customer, but this could be a larger systematic issue WF should fix.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CITIBANK, N.A. (MA)

Citibank Sears will not change the monthly amount from {$300.00} to {$200.00} as I can't pay the bill. They will not work at all to help at all. I called three times to ask for help and they won't help.
Consumer complaint received 2019-02-22
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: Experian Information Solutions Inc. (FL)

I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, XXXX, Experian and XXXX  have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE.  I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.
Consumer complaint received 2019-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have had a freeze on my credit reports - all 3 Credit Reporting Agencies as of XXXX. My Identity was stolen and I filed an Identity Theft report on XXXX FTC Report # XXXX. I am granted 7 years free credit alerts as a result. 

All 3 companies, XXXX, XXXX  and TransUnion have the freeze in place. All 3 have provided me with SPECIAL SECURITY PASSCODES if I need to access my information. Unfortunately, the only questions they ask are : My name, date of birth, social security #, and address - I've made numerous phone calls to all these agencies between XXXX and XXXX. None of them ask for the PASSCODE. I explained that that should be the 2nd question asked after my name - before anything else - to prove I am who I am ... ... they just told me they followed their security measures which are asking for the same answers that " the person who stole my identity '' has. I was very upset that a " XXXX XXXX '' or whoever stole my identity already has this information - and at no time did they DO NOT ask for my security passcode. They just tell me they don't ask for it. 
As a result of their " less than secure '' policy, on XXXX XXXX XXXX XXXX XXXX XXXX FL, even though I have a freeze - allowed someone to open a checking account in my name. Now I am getting collection notices for default from a XXXX XXXX XXXX. for {$92.00}. This shows up on XXXX  as an Inquiry. I have NEVER dealt with this company and they should NOT HAVE BEEN ALLOWED to access my credit report. I also did not receive an alert of this inquiry being made. 

I believe the best form of security measure for anyone who has had their identity stolen that each of these companies adjust their security measures to ASK FOR THE PASSCODE immediately after a person 's name. I am quite upset that even though I have followed every possible measure to secure myself from further identity theft issues, all 3 Credit Report agencies don't seem to protect the consumer - they just rather do their standard security measure of asking information the thieft has - which isn't working. 

I am asking that each of these reporting agencies specifically MADE NOTE ON MY CREDIT REPORT TO ASK FOR THE SECURITY PASSWORD THEY PROVIDED TO ME BY MAIL AND NOT ALLOW ANYONE TO RECEIVE ANY INFORMATION ON MY CREDIT, NOR BE ALLOWED TO MAKE ANY KIND OF INQUIRY. I also have opted out through the government website to not be mailed or allowed any institution to send me solicitations. 

There have been other attempts also to breach and steal my identity - XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX. 

Please help solve this problem with all 3 of these agencies - they don't seem to be following the rules and protecting me from further fraud issues.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

I purchase a XXXX timepiece on XXXX Website. the warranty date and the seller information i s different from the warranty card. XXXX stated in an e-mail, The difference between the dates is negligible as we are a little more lenient when it comes to the warranty period depending on the issue with your timepiece. We recommend using your warranty card as proof of purchase since XXXX is not an authorized retailer of our watch. We will without a doubt accept the card. Hope to have been of assistance and remain at your disposal.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (PA)

Moneylion CONTINUES to report an account as open and 60 days late. Even though it was discharged in Chapter XXXX bankruptcy on XXXX. The company was notified, and yet today they updated my account to have it reflect as 60-90 days past due. Which tanked my credit score 48 points. I want this company stopped and I would like to explore a lawsuit!
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX fraudulently pulled my Transunion credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with XXXX, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my Transunion credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with Transunion and was told they have not received a directive from XXXX to remove the inquiry. I spoke with XXXX and they told me they had, in fact, requested the removal of the inquiry from Transunion, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but Transunion is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/XXXX, My phone was stolen in XXXX XXXX Nevada. Unable to access a computer, I went to lost and found at the hotel my phone went missing. It was stolen at the Club called XXXX in the XXXX. On XX/XX/XXXX, many money transactions were made through my cell phone which was in the hand of someone else. This person changed all of my passwords ( including my bank of America account ). They then made a {$2500.00} XXXX Transfer to an unknown account from my checking account through Bank of America. I didn't know any of this was happening until I got home and was able to get a new phone. I looked through my email and saw all of these transactions were made. Because they were able to " verify '' themselves through my device, the Bank deemed it as a verified transaction. I also filed a police report, and faxed it to the Bank of America fraud department. They denied my claim and still have yet to follow up with me. I have called them multiple times, and I am willing to send the police report again if needed. I have the XXXX police as we well as the XXXX XXXX police 's contact if needed. I also have all of the transactions this person made in my account in my email if needed. I am owed {$2500.00}.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX Received a loan with no interest for 12 months for XXXX.. With Capital One. Between XX/XX/XXXX-XX/XX/XXXX I received charges of {$1800.00} that were not mine. To date I have paid {$2000.00} and have a current balance of {$1300.00}. And I am paying interest. I requested removable of these false charges. I told them someone or someones charged to another credit card also & a retail credit card. They just ignored me. XX/XX/XXXX they closed & locked my account ending in # XXXX & transferred the balance to a new card ending in # XXXX. I received a letter that my account had been turned over to their dispute team. I refuse to believe that a Credit Card Company can add anything to your account and you have to pay it! With interest!!
Consumer complaint received 2020-08-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX XXXX  called my job XXXX from this number XXXX wanted me to pay her over the phone,. she also told me if i didn't I pay she could damage my credit for life and that i needed to pay her or by calling XXXX. I told her she was going to get me fired if she kept calling my job and demanded her to stop calling my job. she called again, shes been calling since XX/XX/2020.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX I made a {$250.00} Deposit to Cover incoming transactions. The transaction had not cleared my account, despite having the money available in my account TD Bank charged med {$100.00} in Overdraft fees. TD Bank has manipulated there system to increase NSF Fees on their customers.
Consumer complaint received 2019-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (OR)

RE PHH Mortgage # XXXX On XX/XX/XXXX, I was notified by XXXX XXXX  that XXXX was switching servicing of my mortgage to PHH Mortgage as of XX/XX/XXXX. I sent check # XXXX for XXXX on XX/XX/XXXX to XXXX so that they would have it post to XXXX by XX/XX/XXXX. I checked XXXX, XXXX website on XX/XX/XXXX and saw it did not post. I called PHH and got the run around. The next day it was the same and I called XXXX for assistance as they actually own the paper. They could not get a live person to talk to. I continued to try over the next few days and finally found it was not booked on their system. I called PHH again a few days later but it still was not posted, They booked the account on XXXX but payments were not posted. I called XX/XX/XXXX and found payment posted to my account on XX/XX/XXXX. PHH received my check in their lockbox on XX/XX/XXXX and I believe they held it till XX/XX/XXXX so they could tack a late charge on my account. I called and was told it posted XX/XX/XXXX but there was a late charge. I asked why and they said I had a 10 day grace and that they received the payment after the grace period. I told them I had a 15 day grace not a 10 day, and they argued with me on that. I offered to email them a copy of my loan showing it was indeed a 15 day grace and that they had the payment since XX/XX/XXXX and I wanted it posted as of the second and they refused to do so saying they could not rebook the loan on their system and apply the payment as of the XXXX of XXXX. They would however remove the late charge they gave me. This issue is still unresolved by them. I am seeking help in getting my account properly boarded and interest adjusted as I am paying them more interest in the way they are calculating my interest. ALSO, they are forcing me to either pay more to make a payment each month or give them my banking info so they can debit my account. Since my husband and I are both XXXX and our pay is not date specific, I must pay as I get the money and pay a fee for them to collect my funds unless I let them yank my funds out. I have NEVER missed a payment or given any of my servicers a reason to question my ability to pay my bills so I fail to understand why I have to pay extra to make a payment each month when the funds come out of the very same account. I know that if they are doing this to us, they are doing it to many military families and this is very unfair and smacks of XXXX XXXX  tactics - thinking we won't notice them picking our pockets ... Any assistance is greatly appreciated. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I am writing to complain about the Nissan Motor Acceptance Corp ( NMAC ) charge of {$1100.00} on my XXXX XXXX lease termination. My account number is XXXX. 
I am surprised that I am charged anything more than {$190.00}. 

We returned the XXXX XXXX under account XXXX to the XXXX XXXX dealership in great condition on XX/XX/2018 around 21k miles. This is way under the 36k miles contracted in the lease, and 2 months before the lease expired. We also gladly lease a new XXXX XXXX from the same dealer on that same day ( new account number XXXX ). 

We consulted with the dealer, before we returned the XXXX   and signed the new lease on the new XXXX, that the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges we received in mail is good even if we put the new lease on different members of my family as far as we validate that the names are all under the same address. 

We returned the car with its manual and every single part. It is hard to imagine that a car with 21k miles have excess wear & use of {$480.00}. We even put on a new tire for the car. Anyway, this amount should be covered by the Special Lease Turn-In Offer of {$500.00} off Excess Wear and Use Charges. 

I was also told by the dealer that we do not have to worry about the Disposition Fee of {$390.00} since we leased a new XXXX from the same dealer again. As such, the only charges I can understand in the NMAC statement is the remaining payments of {$190.00}.

I kindly ask that NMAC correct the invoice promptly.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

My name is XXXX XXXX, I requested Experian to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Inactive as of XXXX I already consolidated these loans with XXXX   XXXX  XXXX  XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with Experian, and XXXX  to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

XXXX.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX, I requested XXXX to remove from my credit report files, information about my student loans that are affecting my credit, and my ability to move on and rebuild my life. 

Originally these institutions used to have my loans : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Status : Inactive as of 1996XXXX I already consolidated these loans with XXXX XXXX XXXX XXXX, and I'm paying on time. These double reporting is causing a double effect on my credit, on one side I'm receiving positive reviews for my good payments with XXXX, and in another hand a negative one from those mentioned. We have to take into account that these are the same loans, the same amount of money lent to me, and is causing collateral damage. 

These double reporting mix is inconsistent with the honesty of the agencies and does not help me build my credit, do not preserve the integrity o my responsible history payments. 

Please help me with XXXX, and Transunion to remove this information. XXXX already removes them. 

I'll be eternally grateful, Thank you very Much. 

XXXX.
Consumer complaint received 2019-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MI)

Name : XXXX XXXX XXXX SSN : XXXX Date : XX/XX/19 Re : " National Credit Adjusters ( XXXX XXXX ) '' Phone : ( XXXX ) XXXX This account was recently reported to all 3 Credit Bureaus. The alleged balance is {$350.00}, however I have never had any business or association with " XXXX XXXX XXXX. '' I have yet to receive any debt validation letter either. This account is listed as a negative item and has impacted my credit score adversely. I am asking that this account be removed ASAP and that my credit be remedied accordingly. 

Thank you.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (NJ)

Debt ( from around XXXX ) was settled on XX/XX/XXXX. I was contacted via mail in XX/XX/XXXX about this debt. This company, USI Solutions claimed they would sue me unless I could provide evidence of settlement. I emailed original settlement offer, with notes / payment confirmation code, as the original debt collector refused numerous requests to send me a satisfaction of debt / settlement letter. USI is still calling me and harassing me about a debt from 20 years ago that was settled 12 years ago. Most recently today, XX/XX/XXXX, at XXXX XXXX I recieved another phone call, but refused to even discuss the matter and hung up.