davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I submitted a compliant already with cfpb XXXX. I recieved a email on XXXX XXXX srating the dispute was complete. I tired acessing the file but was unable. I called Equifax customer service and got the run around thus the reason I involved cfpb. 

I recieved emails XXXX XXXX and XXXX that the Dispute has been completed. I tired acessesing the file and could not. I called in to every number I could find for Equifax XXXX, XXXX, XXXX, XXXX and got nowhere. I tired again and the file opened but there was no information on file. I finally was able to speak to an Agent at XXXX XXXX at XXXX who told me she couldnt help all I can do is resubimt my file online or call XXXX. When i explained I already had a compliant on file she said to call that number because she does not know what to do. Her name was XXXX. How many times must I call in to get nowhere and resolve an issuse that is affecting credit? 

I was denied an application for residency because my income/debt level is too high. However there are several credit cards that are listed on Equifax that are not MINES ... Every credit burea removec them ... Equifax has not and is giving me the run around to disput the claim in a timely manner. I have called, went online, and did everything in my power. This is insanity and unfair. I have included pics of my call logs, emails recieved etc for your documenation to prove I have consistently called and recieved emails from Equifax ...
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Lendmark Financial Services (CA)

XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. 

XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX  purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

So when I app for credit once creditor receives my accurate report but the after I apply to another creditor my credit report file has no information ... ..resulting in a denied application. I recently disputed these inquiries as false information and nothing has been done as of now, so Im going to provide proof as they reporting inaccurate information to the creditors I applied too. 

My credit report is attached as proof from Equifax!!! 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2017 XXXX XXXX - XXXX
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

Recently checking my credit report Equifax on XXXX/XXXX/2017, I noticed information wrongly reporting, or incorrectly reporting on my credit report from my student loans for {$3300.00} which was already consolidated from XXXX to XXXX. I would like this resolved. I tried to resolve this on my own but I could n't get it handled.
Consumer complaint received 2017-12-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE
Consumer complaint received 2017-05-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (VA)

I fell behind on my mortgage  with PHH Mortgage Services. We made a payment agreement and I was due to make a payment. However, when I went to make a payment I was locked out of the website payment method, and I was also locked out of the phone payment method. I attempted to call the servicer and left at least two messages with no return call. Something tells me that this business practice is not ok. Why would you lock out people that need to make payments? I am sending a check certified mail ....
Consumer complaint received 2017-12-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have sent numerous disputes to Equifax regarding a closed account for XXXX from 2001, to no avail.  Equifax has refused to correct the incorrect information in my credit report.  I no longer have an account with XXXX or an outstanding bill; however, the inaccurate information has been reported in my credit file repeatedly.  I have experienced a credit breach with Equifax and have attempted to resolve this incorrect information continuously for almost two years.  I am requesting the incorrect information to be removed from my credit report.  It has been removed with XXXX and XXXX, but Equifax continues to report inaccurate information.
Consumer complaint received 2017-05-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

On  XXXX   XXXX ,  XXXX  we moved in this apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX , TX.  XXXX  and moved out to  XXXX , TX. on  XXXX / XXXX / XXXX , we paid everything that they required under the leasing contract, we had a walk-thru with th e Property Manager   XXXX   XXXX  and delivered her the apartment in top structural and sanitation condition, we signed a release form with her and moved out, to our surprise, abo ut 3-4 months later we got a letter from her stating that we had a balance of {$120.00} due to carpet damage, cleaning of tub and hangers ; we delivered the apartment in a very good condition, the carpet was shampooed and no tear or spots on it, the tub and hangers were totally clean and disinfected by us . We think that since we were selling some items to avoid transporting and braking them, we had offered her our new TV set for a price that she did not want to pay and she was hoping that we were going to let her have it for peanuts. We did not sell it for such a low price and decided to bring it with us, so she got upset and later started this false accusations.
Consumer complaint received 2017-12-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). 
My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. 

Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NC)

XXXX/XXXX/XXXX I logged into my Wells Fargo account and saw that there was an overdue balance of {$27.00}. When I called, they said that they upgraded me to a XXXX XXXX card since I was a valued customer and that because of this upgrade, my payment increased to {$62.00}. They replied that I was suppose to " Opt out '' if I did not want this card. After much ado, they agreed that they would write off the {$27.00} and " downgrade '' my card but that I am still considered past due. I then asked if this would inpact my credit score and they said yes, it was possible. I did not charge anything and did not authorize an increase or upgrade. They should not be allowed to charge more money anytime they want and then say to the consumer that it is our job to " opt out ''. 

Why is a company allowed to upgrade me and charge me more money without my consent? This seems to be what got Wells Fargo in trouble to begin with. 

I have asked them to provide me with a letter so that I can send to the credit bureau since they said it most likely was reported as being a late payment. Someone is supposed to call me back from claims management. Ridiculous practice! 

Please review this practice.
Consumer complaint received 2017-12-29
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. (FL)

The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I am writing to you because I am very frustrated with Chase, this is my 2nd time applying for a Short Sale to avoid a foreclosure. On the 1st offer received 12 months ago, Chase decided to deny the offer because the Investor which is Chase did n't feel like working with that Buyer. 

On the 2nd Buyer that submitted the offer after 6 months under review they denied my short sale once again because the offer was too low. So Chase told me in order to dispute the Value I will have to pay for an appraisal out of pocket if I did n't want to loose my home. 

Since I had no Choice I paid for the appraisal to dispute the value, now that my dispute was valid. Almost 2 months later waiting patiently for Chase to give us the approval. Chase email us giving us another excuse stating that our Short Sale was denied because Chase ( investor of the loan ) feels that I do n't deserve a short sale!!!! 


I feel very frustrated and discriminated by Chase since this is not my 1st time trying to get a Short Sale approval. I have done everything right and its not fair for Chase to take advantage of me and my family. Please please help me end this nightmare. 




XXXX XXXX
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (MI)

Today, XXXX XXXX, 2017, I received a Netspend prepaid, direct deposit XXXX that I did not request. I never visited their website, never spoke with then on the phone and never sent postal mail, yet, I received a card in my name today.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

On XXXX XX/XX/2016 I purchased item from XXXX 's XXXX XXXX using CitiBank Visa and returned item to the store on the same day, XXXX 's charged me twice for the item. When I reviewed my statement I noticed the charged, contacted CitiBank and asked them to reverse the charge. CitiBank initiated an investigation, requested numerous documentations and reversed the charges. Since then, Citibank has informed me twice that the merchant advised them they never received a return and reversed the charges, effectively adding {$470.00} in charges to my account. I disputed the charge again, going through the same process, and I received final notice this week that the merchant has once again denied receiving the return and the charges were added back to my account. CitiBank also informed me that there was nothing else they could do and that I would need to seek other means of addressing the problem. XX/XX/2016 I contacted the retailer, informed them of my issue and was provided with the location 's loss prevention manager contact information. She was contacted XX/XX/2016, we spoke for 10 minutes and I was instructed she would call me back with information. The loss preventin manager contacted me 40 minutes later and informed me that she was able to video validate my information and would be able to refund the {$470.00} as soon as I was able to come to the store. She also reported that she has not received any contact from Citibank regarding my dispute. My complaint, CitiBank mislead me over the course of 3 1/2 months regarding the resolution of my issue and then informed me there were no additonal steps they could take. How is it then that I was able to resolve the issue in only XXXX20 minutes of direct talk time?
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MD)

As a sole proprietor of a small business, I signed up for a 0% interest promotional transfer deal with American Express.  The plan name I signed up for is "Blue Business Plus Credit Card" for the term 0% introductory APR on purchases and balance transfers for 15 months. On about XX/XX/XXXX, a balance transfer of $XXXX was transferred from my XXXX Credit Card account to  the new XXXX credit card account.  The Transfer fee was $XXXX.The balance transfer was never placed on the promotional plan, and I have been billed monthly interest with a minimum payment due amount. (See Statements for XXXX, XXXX, and XXXX).  I have repeatedly contacted XXXX to have this problem resolved.  I first contacted XXXX via phone after the XXXX, XXXX and XXXX statements were released to question the statement.  I have made repeated contacts via phone and chat since then regarding the still unresolved problem.They told me there was a system problem that caused the problem.  They were aware of it and my account would be fixed.I made $XXXX in payments in XXXX to cover the transfer fee and a little bit more.  Then, I received the XXXX Statement and the balances and interests were still incorrect.  I was told to do nothing and it would be fixed.  When it came time the bill was due, I called again, and they told me I needed to pay the minimum due, but the problem would be later fixed.  On XX/XX/XXXX, I paid the minimum due of $XXXX.  Now, the XXXX invoice continues to show the same problem.I contacted XXXX again today (XX/XX/XXXX) to complain that the problem has not yet been resolved.  They are unable to provide an ETA on a resolution claiming they are working on it.  It has been nearly 6 weeks and no resolution.This appears to be Bait and Switch.  And, this delay appears suspicious.  I say this specifically because they previously made a 'system error' claim on my personal XXXX account.  In that instance, I received notice that my APR was increasing because of bad credit.  My Credit Score is near perfect.  When I called to complain, they said it was a system problem.  They corrected that mistake within 2 weeks and included letters mailed to me indicating their mistake.During the problem identified in this complaint, XXXX has not mailed me any letter indicating there was a mistake they were working to resolve.  My chat log is the only thing I have as proof of what they have been telling me (in part since I also had phone calls on this matter).
Consumer complaint received 2017-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (DE)

Had a CareCredit account used for eye glasses and dental charges. Through no request from me company sent a CareCredit XXXX. After several notices both print and electronic I did activate the XXXX ... the initial account with the promotional offer was closed and the balance moved to the XXXX. The promotional offer on the balance expires XXXX XXXX. As far as I was concerned, once the balance was moved to the XXXX the promotional offer should have become null and void as the balance was moved before the promotional offered expired. Therefore, I should not be subject to fees that will be incurred because the balance was not paid in full. This is not how the credit card company views it, however, I beg to differ. I view this as criminal intent to squeeze me for the fees not charged during the promotional period and although I requested the balance be charged to the credit card of my choosing, I was inform I could n't do it but that is exactly what the company did. They move the account to a credit card albeit it was their own and still plan to charge me the fees once the promotional period expires.
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

This is a debt to which I have no knowledge. The alleged debt was originally owned by another collection agency who XXXX the debt upon my dispute. It was removed from my credit file with both Transunion and Equifax. Apparently, First Federal Credit Control has purchased the XXXX debt and has now renewed the collection with the credit reporting agencies. 

I believe this act is illegal. The alleged debt was already disputed by me and XXXX by the former collection agency. A new collection agency should not be able to purchase a XXXX or already successfully disputed debt and then renew collection effort notice with reporting agencies as this could be an ongoing and never ending saga for the consumer. 

Once settled or successfully challenged, the debt should be non-reportable.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I DISPUTED A COMPANY ON MY REPORT CALLED XXXX. I HAVE NEVER HAD THIS CREDIT ACCOUNT. I CHECKED MY ACCOUNT AGAIN AND NOTICED EQUIFAX CHANGED THE NAME TO XXXX AND THEY WONT DELETE.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I signed up for a 7 day free trial for credit monitoring with Experian. That free trial was to end on XX/XX/XXXX. On the evening of XX/XX/XXXX I cancelled the free trial and removed my debit card information. On XX/XX/XXXX I called Experian and spoke with a young man who informed me that my account was cancelled and no credit/debit card information was retained. On Friday XX/XX/XXXX my  account was debited in the amount of {$23.00}. I immediately contact Experian billing and was informed my account was indeed cancelled however the charge was pending and there was no way to stop it. He then transferred me to a woman who was quite rude and combative in her tone. She went on to explain the even though I cancelled the free trial and removed my debit card information, the system had already begun processing it and there would be no way to stop it. I told her I wanted them to refund the amount back to my account. She told me to contact my bank, when I told her I was not going to contact my bank because the dispute process was over 30 days she stated she would process the refund and I should see it in my account within three days. I then inquired about any fees I would incur from my bank when other payments that were authorized would be declined. She stated there is nothing they can do about those fees and to contact my bank, when I told her my bank did n't make the mistake, she simply said there is nothing we can do because we are n't obligated too. At that time I became angry and disconnected the call. On Monday XX/XX/XXXX I called to confirm that the refund had been processed, the gentleman on the other end of the phone stated he could see the credit amount of {$23.00} however no refund had been processed. I am filing this complaint because the first rep should have done so without personalizing her decision not too. She should have remained professional regardless of the discussion and my anger due to her tone.