davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (FL)

Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (IL)

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Consumer complaint received 2018-01-17
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: Experian Information Solutions Inc. (AZ)

I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Consumer complaint received 2018-01-17
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. (AZ)

I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX has told me they performed a " scrub '' of bankruptcies in their records and incorrectly noted on my account that it was discharged in a XX/XX/XXXXbankruptcy. The information is incorrect. My bankruptcy was discharged on XXXX and the XXXX, known as XXXX at the time was on the unsecured creditor list on my bankruptcy petition filed XXXX. I 've contacted both XXXX and XXXX where the item is listed as a negative factor on my credit report impacting my credit approval for a mortgage loan. XXXX XXXX admitted the error but has informed me that I am the one who needs to make it correct when I did absolutely nothing wrong. I do not have this problem with the other unsecured creditors on the petition. XXXX XXXX would not resolve the problem that they corrected through multiple phone calls and have told me I have to mail in the claim/dispute with my supporting documents when they have told me they are aware that I am correct in that the items should show as discharged as part of an XXXX discharge, rather than a XXXX discharge showing on my credit report with XXXX.
Consumer complaint received 2018-01-17
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. (CA)

approximately in XX/XX/XXXX i applied for credit through my local credit union, XXXX XXXX XXXX XXXX XXXX, and was denied credit due to bad credit bureau reporting from all three credit reporting agencies stated my loan officer from XXXX XXXX XXXX XXXX XXXX. my complaint is that the bad credit still looms with my recent free report from Experian. I am looking for help to improve my credit rating even though our student loans my have fallen behind in past years. The problem still follows me and am not able to get credit because of student loan delinquency in the past. Please help. 

Thank you XXXX XXXX, XXXX
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KS)

We purchased a home through XXXX in 2015. We never missed or was late with payments. We later learned they transferred the mortgage to Roundpoint Mortgage Servicing. Again, we have never missed or been late with payments. If this is a " mortgage servicing '' company, do they own the mortgage or are they servicing it for XXXX. Neither will answer this question. The problem is Roundpoint is rude and difficult to deal with. They charge {$10.00} fee for using the automated system, which is absurd, but we used it once to make sure we were not late with the payment. Now they have sent us a threatening letter saying they will our bank information anytime they wish. I have explained to them we are calling our bank and blocking them from charging our account any further as they have they payment and {$10.00} fee. I only authorized a one time fee but they seem to think they can take whatever money they want. Most important - who owns the Mortgage?
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.
Consumer complaint received 2018-01-17
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: EQUIFAX, INC. (PA)

Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.
Consumer complaint received 2018-01-17
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. (PA)

Hello I have been with this mortgage company for 12 years and I pay them every month, I disputed how they were reporting my information they have been effecting my credit score for years so I sent a letter to the bureaus to pay attention to my report and they still are neglecting to correct their mistakes. I will list mistakes now 1. High Balance is missing 2. Payment history showing 120 days late for over a year how is this mathematically possible? Does this sound right? The Limit is also missing.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have been a member of Wells Fargo since 2004, and have not, until recently, had issues to the extent that I have had with the company. I have chosen to handle the majority of my banking online for convenience but also because the employees working at several of the locations I have visited have been extremely unprofessional while handling my account. For example, I have had tellers read my personal information out loud while handling transactions ( i.e. current balance ). The company has also been uncooperative while dealing with automatic payments on my account. I submitted a request to have a payment stopped until I could research the company taken the automatic payments out of my account. However, Wells Fargo refused, and insisted on the continuation of the withdrawals refusing to negotiate via my online account. More recently, the company fraudulently submitted several transactions sending my account into the negative. The company refuses to acknowledge that these charges were fraudulently placed on my account, and does not give the option to dispute online. I have reached out to several representatives to no avail, and have been misguided and misdirected. The bank also deleted several emails sent to me from representatives in regards to my account. One email was from a representative strongly suggesting that I  do not dispute the charges and that I call rather than email. The email was threatening and suggestive. Several other emails contained messages that they would not stop the automatic payments.The recent transactions are fraudulent, I am now concerned regarding my vulnerability to the company as they are using my personal information, and the company 's refusal to assist with the discontinuance of the automatic payments is unprofessional and unethical.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I had a loan through XXXX that was sold ( immediately, I was told ) to Wells Fargo. The mortgage was closed in XX/XX/2005. It was a 15 mortgage with early payments ( 26 payments per year ). This meant that the loan would be paid off in 11.2 years. I have never missed a payment. At about 18 or 20 months from the payoff date, I realized that the balance was wrong. I spoke to someone at Wells Fargo and he recalculated the amount that should remain on the loan. He said that the balance should be approximately {$60000.00} less than was shown on my statement. I was told that the amount that I paid was not correctly applied to the loan amount and didn't take my early payments into account. As there were two banks involved, I was tossed back and forth between them about 5 times without making any progress.
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.
Consumer complaint received 2018-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (UT)

XXXX XXXX XXXX XXXX 's website is non-functional for me. I had a username and password. They redid their site and my old sign-in did not work. I have tried more times than I can count to sign in with what I have recorded or to use the " forgot username '' or " forgot password '' function. I have tried to initiate a new account. Nothing has worked. There is a phone payment function but today it took me THREE CALLS for it to finally get me to the right place and accept my payment. My time is quite valuable, so it can be argued that such trouble costs me up to hundreds of dollars each time. I have spoken with customer service and have emailed complaints SEVERAL times. I always get an email back saying I will be contacted to resolve the issue and I never am. Today I was frustrated to the point of calling my former mortgage servicer and inquiring about a refinance. It could be easily done but the cost involved makes it impractical. As bad as I want to be rid of Franklin American, I do n't wish to pay thousands extra to do it. I think they should be forced to repair the problem and compensate me in some way. I do a great deal of banking and purchasing on line and can honestly say I have had nothing close to this level of difficulty. The problem has persisted for over six months now.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

REF Complaints # XXXX Dear Citi Card and Federal Trade Commission!

I am disagree with the solution for the complaints # XXXX ( Attach you will find the receipt Date XX/XX/XXXX ). I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} ) on which I file a dispute. Here are that merit a dispute/the receipt : X I only authorized this merchant to charge me one ( 1 ) time in the amount of {$4.00}. I did not authorize any other charges from this merchant. ( See Receipt ) X The receipt said the cost of this item only {$4.00} NOT {$89.00} or {$94.00} NO part of this receipt approve merchant send their product to my home more than once X NO part of this receipt asking the buyer cancelled to avoid future billings X The merchandise never arrived and the item never was delivered to my door.

X My number one reason to file with FTC because Citi bank manager told me more than 10 times : The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant REF to XX/XX/XXXX Reverse {$89.00} OnXX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF toXX/XX/XXXXReverse {$89.00} o Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant o I told Citi bank more then 10 times : I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant.

The item never arrived the item never was delivered to my door.

Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

o Citi bank said/reply more than 10 times : You support to file as dispute NOT fraud The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant I certify that the information I provided is accurate to the best of my knowledge.
Consumer complaint received 2018-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I went to lease a car to XXXX XXXX  XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of Capital one, XXXX  and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to Capital One and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. Capital one customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as capital one, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including capital one, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank capital one about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.