davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
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: BARCLAYS BANK DELAWARE (NY)

Having seen ads on line about a XXXX XXXX credit card giving elite status miles ( XXXX ) on XXXX XXXX after spending {$40000.00} with the card, we applied for the card. Barclays Bank issues the card. We called several times and were told on the phone by the Bank representative that we could not apply directly for the Silver Card, that instead we had to apply first for the " XXXX XXXX '' card, and that after using it for 3 months we could upgrade to the Silver card. We explained that we only wanted the Silver card because we wanted the XXXX elite miles toward status on XXXX XXXX. We called several times seeking the Silver card, and each time were told that we first had to apply for the Red Card, and then after 3 months of using the Red Card we could upgrade to the Silver card. We were told that all expenditures on the Red Card would transfer to the Silver card as would the fee we paid for the Red card. So we applied for the Red Card, paid the fee, and used the card exclusively for 3 months ( forgoing use of other cards that offered other benefits ). In mid-XX/XX/2018 after we had used the Red card for more than 3 months, we called to upgrade to the Silver card. However we were told that there would be no more upgrades to the Silver card for the rest of XX/XX/XXXX. We were never told that upgrading to the Silver card was merely an option that Barclays bank could cancel at any time during our use of the Red Card. Had we been told that, we would not have applied for, paid the fee, and used the Red Card. We wanted the extra status miles based on our card usage for XX/XX/XXXX.
Consumer complaint received 2018-09-24
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: U.S. BANCORP (OH)

On XX/XX/2018 I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX SC. When my plane landed I had to wait almost 2 hours to get my car and by the time I received my car I had missed the event that I flew in for. With this being said when I returned from my trip and spoke to XXXX XXXX they stated that my credit card was only going to be charged XXXX total. XXXX XXXX even emailed me the new invoiced amount. When I received my credit card statement there was a charge on it for XXXX I called XXXX XXXX and they stated that they only charged me XXXX and if there was more then that the credit card company was at fault. I called the credit card company and opened a dispute. XXXX in the dispute department called and said that she received the information from XXXX XXXX and the charge would be removed from my credit card. I have email upon email from the car rental place stating that my total charge was only XXXX and nothing more. Well low and behold 2 1/2 months later the credit card company put this back on my credit card. I have been dealing with them and it is not getting resolved. I have talked to XXXX time and time and they stated that they only charged the XXXX and the bank is at fault. With this being put back on on statement now I am over my limit, and XXXX in charges that do not belong to me along with the interest charges. I do not know what else to do at this point. I have supplied them all the emails and documents from XXXX showing the bank is in the wrong. Please help me out with this.These charges do not belong on my credit card and this is actually effecting my credit score by showing that I am over the limit.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America told me that they would send a loan modification package. I contacted Bank of America and was told that Bank Of America made a mistake and sent the loan modification paperwork and payment schedule to the wrong address as well as sending it past the first due date of the trial payment. On XX/XX/XXXX, Bank of America informed me that they would send me another loan modification package. In the meantime, Bank of America has put my home into foreclosure before receiving the loan modification paperwork. Please help
Consumer complaint received 2018-09-24
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: Navient Solutions, LLC. (CA)

I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX   never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX Toyota financial never late XXXX XXXX  and may this has happen before
Consumer complaint received 2018-08-01
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. (WA)

I contacted XXXX XXXX XXXX disputing an account they are reporting on my credit, they sent me information on the account yet neglected to report it disputed on my report in the required 30 days. I have notified them of this failure to comply with the law and they refuse to remove the miss-reported account of my report. They are also reporting late payments on an account that never had payments based on their own records, it is a charge of therefore can not have late payments. They have refused any more contact in this matter and have said it is harassment if I attempt to resolve this with them. 
The law is clear and they have failed to comply with it and the miss-reported account must be removed from my credit report as well as they should be fined for snubbing their nose at the law. 

I Also attempted to have Equifax remove this but they referred to XXXX XXXX XXXX response and refused.
Consumer complaint received 2018-09-24
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: Experian Information Solutions Inc. (ID)

When I noticed my credit score fell from XXXX to XXXX I requested a CREDIT REPORT FROM EXPERIAN. THEN I CALED TO CORRECT GROSSLY MISINFORMATION THAT I HAD REQUESTED A CREDIT CARD BE CLOSED, among other stuff i.e. that I had a credit card balance of over {$200000.00}. I also requested that an explanation of my one late payment since the early 2000 's reflect that I was in hospital. I then got the credit card company to call XXXX and all they corrected was that I didn't owe {$200000.00}. Instead of showing that m card was closed in XX/XX/XXXX, the new report from Experian showed it was closed in XXXX! I again called the credit card company that sent me a letter stating my account was open and sent a coy of that letter to Experian. I sent a letter to two different P.O. Boxes that Experian uses. This problem has yet to be corrected despite numerous attempts by XXXX and myself. Currently I have a bad case o XXXX and am not driving, but to the bank and food store. The method of disputing claims on line is too difficult for XXXX seniors using public computers with assistance. These credit reporting agencies should be put out of business because of these user unfriendly practices. XXXX XXXX., XXXX  XXXX  and XXXX
Consumer complaint received 2018-09-24
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: Collection Consultants of California (NV)

Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted XXXX, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, XXXX has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( Collection Consultants of California ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to XXXX, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX
Consumer complaint received 2018-09-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank, XXXX, OH I have a long standing loan for mortgage that last month I tried to pay off in full. I went to my local Huntington Bank branch in person asking for a payoff amount good for that day/date. Teller advised me it was my monthly payment amount - once paid - it would satisfy my mortgage and a mortgage satisfaction would be filed by the bank. Last week I received an invoice for the loan in the mail from Huntington Bank stating I owed {$1.00}. I went into the same Huntington Bank branch ( XXXX, PA office ) where the teller said that she would give a copy of the invoice to her manager and that I did not need to pay anything. After that visit today, I call XXXX ( loan manager ) at the XXXX, PA office where I was directed into voicemail. I was told to call XXXX via Huntington Bank 's XXXX customer service number. XXXX XXXX voicemail stated that the system was not operational so message could not be left. As I need to have this real estate shown as free and clear - I need the mortgage satisfaction filed ASAP.
Consumer complaint received 2018-09-24
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: EQUIFAX, INC. (FL)

Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( Equifax, XXXX, and XXXX  ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

1. Credit Burea has taken more than seven ( 7 ) months to investigate reported information on my credit report. Items such as accounts not mine, inquiries not associated with an active account.

2. Even after mailing notices and demand to delete/remove inaccurate and incorrect account informationn and inquiries, the bureau simple refuses to provide proof/evidence of it's investigation.

3. I personally contacted the Bankruptcy Court Clerk in XXXX Texas who confirmed that it does not verify any bankruptcy filing with any third parties or credit bureaus. However, in their report regarding each my demands to delete the information, they state that the bankruptcy has been verified as accurate. This is a lie! It has been more than 15 days. It has been more than 30 days. It has been more than seven ( 7 ) months in the year of 2018.

4. I have personally given all three ( 3 ) bureaus my consent to delete/remove negative information by phone and in written form.

5. As of today, I pay XXXX and XXXX  for credit monitoring. However, they will not provide me with any credit scores for their company or the two others. The reports have said " NO SCORE AVAILABLE '' for more than four ( 4 ) months now.
Consumer complaint received 2018-09-24
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. (FL)

Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Consumer complaint received 2018-09-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

Recently Wells Fargo has changed the way they charged overdraft fees on my account. Previously, Ive never been charged if my account was negative due to pending withdrawals, as long as my daily ending balance was positive. Now Im being charged fees if the account has items clear while pending items show my available balance as negative. Ive called multiple times to see if there was an official change in the policy, but every agent that Ive spoken to has told me that this is how theyve always processed overdraft fees, which from my personal experience it is not how it was done before. My main concern is that Ill be charged fees for pending transactions that could never actually post to my account, such as using my card to book a hotel room, or if I use it for setting up automatic payments that result in a {$1.00} authorization that Im never actually charged. I wouldnt mind if they would just tell me that they made this change, but no one will admit to it so it feels extremely underhanded as they will be collecting fees until consumers become aware of the change. The most recent time that Ive seen this happen was today ( XX/XX/XXXX ) when I had a car payment post to my account on Friday ( XX/XX/XXXX ) and then received an overdraft fee even though my account had a posted balance of {$310.00} for the end of the day on Friday. I see no reason to have both a posted balance and an available balance when the posted balance has no bearing on my account.
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MIDCOUNTRY FINANCIAL CORP (IL)

I have an installment loan with XXXX XXXX XXXX in XXXX, Il. I am behind in my payments due to a job loss and starting a new job making less money. I am behind in several bills and have started a bankruptcy ( Chapter XXXX ) through an attorney. I was told to give the information to the finance or credit companies so they can deal with the attorney instead of calling me. I gave XXXX XXXX my attorney information on XX/XX/18 ( through online portal ) and again XX/XX/2018 on the phone. On XX/XX/18 they are still calling me regarding payment. Not only did XXXX call regarding payment she called my work asking for me and when I wasn't there she asked to speak to the payroll department. 

I called and spoke to her this morning, XX/XX/2018. I again gave her the information for the attorney and demanded that she stop calling me. I also asked XXXX what she wanted with the payroll department and she said she was just verifying employment which was a lie. She already knows I work here since she continues to call me at work even after telling them to stop. 

This is also the third time I have told them to quit calling me at work which hasn't worked in the past since they continue to do so.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I had been requesting a Loan Modification from my lender SPS. I have a very legit hardship to have requested this. I never had a modification in the past ever. This would had been my first one.

SPS gave me a approval for a modification and when I was informed about the approval I had been just release from the hospital and I have been in and out of the hospital for some time now, thus the reason im requesting a modification. Once I spoke with SPS about my approval my payments were some what more affordable for me but since I had just been release from the hospital and being heavily medicated with drugs, I really was not on the mind to speak to anyone to have made any decision on my home. SPS told me if I font take this approval then I need to SHORT SALE my property, well I was not even able to comprehend the approval and understand this and nor was I explained the process of what a SHORT SALE IS, until I requested XXXX XXXX to help me in this process, and they explained to me what a short sale is and I would loose my property. I was very shocked o have known what this was and my lender telling me that, " if you don't take this approval you need to short sale your property ''. Before I found out what anything meant I told SPS to go through the short sale process not clearly understanding what it really was - then when XXXX XXXX   wanted to help me they said no you don't need to do a short sale on your property we will get you the approval terms back. SO SPS refused to let me take the APPROVAL they gave to me, knowing that my hardship was clearly all medical issue of going in and out of the hospital. For my lender to have treated me so inconsiderate for my medical issue is not the way any lender should be to a homeowner. I want to keep my home and stay there and enjoy the rest of my life there.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Made payment of {$500.00} to Citibank and its immediately withdrawn. Payment still has not been added to available credit as of XX/XX/XXXX. Citibank tells me they use money laundering laws as an excuse to hold payments for 7 business days. I am told they can do this whenever they feel like .... So a credit card company can take payment and not give it to the customer for close to 2 calendar weeks because they pre-paid early?? 

That's right .. I'm not purchasing I'm paying my card back in advance. So this is the " thanks '' Citibank gives for doing that. They take your money. label you a money launderer and then invest it anywhere they like while you got NO MONEY. 

Citibank it the only bank I know of that does this. WHY? 

Last rep I spoke literally laughed in my face.
Consumer complaint received 2018-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2017 my mortgage with Wells Fargo, went from {$2200.00} to {$3500.00}. After this payment had adjusted Wells Fargo refused to give me a loan modification, I was still making my monthly payment, but falling further and further behind. Wells Fargo refuse to give me a loan modification. So i was able to work overtime to make the {$3500.00} payment, but i had fallen six months behind.With over {$450000.00} worth of equity, and a very strong job with income it was very obvious that Wells Fargo didn't want to give a loan modification or reconstruct the loan .... very very obvious crooked XXXX bank ... ..