davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

ISSUE : NewCredit card issued by Citicorp for Costco. 
Must call Citicorp XXXX number to pay bill and does not disclose my amount to pay each month. Unable to use my current checking account with XXXX directly to pay. Used to be able to use XXXX directly with { Costco } XXXX credit card. Appears like restriction on banking.
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Dear CFPB commissioner, I have contacted you in reference to matter that involves consumer financial protection and the matter of a money order purchased via the MoneyGram company as sold by Walmart. The money order, which is a matter of question involving the late date at which it is being transacted is a matter the company states that they readily resolve and, possibly, with penalty. given the MoneyGram company 's policy, I submitted the information to the company and have anticipated a response from MoneyGram company. <P/>I have waited nearly 15 days, far more than the standard 5 to 7 working days for this matter to be resolved by MoneyGram to no avail. <P/>I have corresponded with MoneyGram to provide proper information, email information though the MoneyGram company has not responded in any manner. <P/>I have forwarded this message to the MoneyGram company and am now awaiting their reply. <P/>in the event that the MoneyGram company has elected to avoid correspondence with me for any reason, I write to you to request your suggestions and to access information in reference to my legal alternatives. <P/>I have a number of creditors and continue to tender debts that are due. I do, however, anticipate tat the MoneyGram company does not engage in policing nor debt collecting for other companies. <P/>I await the response of the Treasury Department in anticipation of lawful remediation prior to looking into resolution by means of any legal recourse. ____ Dear MoneyGram customer Service Representative, In the last few weeks I have made a report to MoneyGram in reference to a MoneyGram order that had been returned to me after it failed to be negotiated. More recently, I corresponded with MoneyGram customer service via WalMArt customer service and Money services. During that time, I was instructed to provide information to MoneyGram in reference to the monety order. <P/>I made an online report to MoneyGram on or near XX/XX/XXXX and XXXX, 2017. <P/>Since that time, I have awaited a reply from the MoneyGram company to no avail. <P/>I write to you to inquire with you as to the actions that may have been or that are expected to be taken by MoneyGram. to respond by forwarding the remaining balance of the money order If there is any further information or any problem that you may need assistance with, I have, also, provided an email address to which your representative may write with an inquiry or information. <P/>I would urgently like to resolve this matter. Email XXXX XXXX Thank You
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I tried disputing this debt numerous times, because I do n't have a contract with them and they are continuing to come back verified and then I went on the Florida Office of Financial Regulations website and saw that this collections agency 's license has been Expired since XX/XX/2000 and they are continuing to report this debt that has been on my reports for over 3 years now. I am not even sure is mine, I know I do n't have a contract with them, and I want it taken off my credit reports. They are not licensed to collect in the State of Florida with Expired license but they are blocking my credit rating and it is very hard getting a house with collections on your reports ... Thank you for your help and your time
Consumer complaint received 2017-06-26
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. (GA)

Experian has just recently completed a dispute for me and just what I thought would happen did. I am disputing the accounts for XXXX XXXX as they are reporting incorrect information. I DO NOT owe the amount that is being reported. I stated this in my dispute and I included my court documents as proof that the amount being reported is not correct. Experian wrote back and stated " This item was not changed as a result of our processing of your dispute. Please review your report for the details. It goes on to say under the two XXXX XXXX accounts Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). This item remained unchanged from our processing of your dispute in XX/XX/XXXX. How is that possible when there is a court document that I continue to forward to the company that states that I only owe {$1100.00} plus {$74.00}? What other documents does XXXX XXXX supply that would override the judgement of the courts? This also seems to be saying that Experian will no longer continue to look into the matter even though they have the PROOF that they requested to show that the information being reported is WRONG. This is my last attempt to fix this issue directly with Experian and if the XXXX XXXX accounts are not removed, I have already sought legal counsel with XXXX XXXX XXXX XXXX, my representative 's name is XXXX XXXX, her contact number is XXXX and her email is XXXX.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

On  XXXX   XXXX ,  2017 , I opened online a Wells Fargo Every Day checking account which was offering a {$250.00} bonus for making either a minimum  of 10 de bit card purchases or at least {$500.00} in qualified direct deposits within 60 days of account opening. I was instantly approved and received an e-mail directly from Wells Fargo confirming my new account was eligible for the bonus. I completed t he 10 deb it card purchases on  XXXX   XXXX ,  2017 . Since the bonus should have been deposited into the new checking account by  XXXX   XXXX ,  2017 , 45 days after the requirements were completed ; I went to Wells Fargo  XXXX   XXXX  branch located at  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  on  XXXX   XXXX ,  2017 . The bank officer opened an investigation but I have received no response from Wells Fargo so far. More th an one mon th after the 45 days waiting period, the {$250.00} bonus has not been deposited yet.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I called to close the account and asked for a payoff balance. I was given that balance and paid it. After the account was closed I was charged a {$9.00} fee, then late fees with out me knowing month after month. I left multiple voicemails for representatives and have not been called back. I am now speaking with attorneys in my building about doing a class action suit against chase. I have found 15 other individuals with similar stories and plan on running a social media campaign ( i own a marketing company ) to find as many victims as possible with similar stories.
Consumer complaint received 2017-06-26
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. (OH)

My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared
Consumer complaint received 2017-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Special Financing Company, LLC (TX)

Account number :  XXXX  The  company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees.Not only that they have been constantly harassing me with phone calls and letters, they also reached out to my friends on countless occasions. Even to the point that I lost my job and I was borrowing money from people to keep up with their payments. I have tried several times to try and work some kind of reasonable payment agreements with them but they are  XXXX  bent on extorting me to dryness. I do n't know what else to do but to go through this medium because it seems like the loan keeps increasing instead of reducing. I am tired of living in debt to fulfill their outrageous monthly obligations.
Consumer complaint received 2017-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

I went to the PNC Branch XXXX at XXXX XXXX XXXX in XXXX, AL, at XXXX on XXXX XXXX, 2017. I  intended to deposit to my account a baby shower gift in the form of a personal check for XXXX XXXX dollars, issued by the XXXX XXXX XXXX. The Branch Sales and Service Representative ( name withheld ) was unwilling or unable to provide me with any of the following information : 1. the rate of exchange, 2. the expected date of debit from the creditor 's account, 3. the expected date of credit to my account, 4. the sum total of all applicable fees, 5. an explanation of the purpose of the applicable fees. <P/>I was told nobody at the location could provide me with any of this information, nor was there an off-site representative who I could telephone to obtain this information. I was told this information could be obtained only after surrendering the check for deposit. I have a checking account in good standing with PNC. <P/>Upon returning home I attempted to obtain a valid email address for PNC customer service in order to obtain this information. I was informed by a customer service representative ( @ PNCBank_Help on XXXX at XXXX XXXX - XXXX XXXX 2017 ) that " For security, we are unable to allow emails from 3rd parties. '' After explaining that I was not a third party, but rather a PNC account holder, I still received no valid email address, and was directed to use the " message center online ''. PNC provides a limited messaging service through their online banking portal ; however, it does not allow me to maintain an independent record of communication, requires log-in credentials, and restricts message format. I only wish to send a plain-text email. <P/>I have been unable to find out whether providing any of the above information ( exchange rate, credit/debit dates, fee totals, fee purpose ) is an obligation of the bank. I find it hard to believe that I have no recourse but to hope for the best, instead of making an informed decision whether to offer a check for deposit, or to take it to another financial institution that may offer a better rate. Furthermore, I am surprised that providing a valid email address for correspondence is not an obligation of a financial institution. <P/>Thank you for your time and attention, ( name withheld )
Consumer complaint received 2017-06-26
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: INTERCONTINENTAL CAPITAL GROUP (NY)

Mortgage Company was contacted by a family member claiming they were helping me with obtaining a mortgage. The broker ran my credit report discussed my financial information with this family member and then gave them a copy of my credit report. This was done without my knowledge or consent. Upon contacting the mortgage company, they apologized for the oversight of not confirming my authorization and offered a XXXX subscription should this individual attempt to utilize my information.
Consumer complaint received 2017-06-26
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. (FL)

Equifax is reporting three accounts on my credit that can not be validated and do not belong to me. I have disputed this on numerous occasions, on dates : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ''. The first account is under XXXX XXXX with account number " XXXX ''. The second account is under XXXX XXXX with account number " XXXX ''. The third account is under XXXX XXXX with account number " XXXX ''. The other credit bureaus have deleted the accounts once they verified the information was not mine and I am including the confirmation letters of the deletions in this complaint. See Attachment. How and Why is Equifax getting a different outcome for the same investigation the other two credit bureaus initiated? XXXX and XXXX deleted the accounts.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Again, as per complaints # XXXX, # XXXX and # XXXX Trans Union is not reporting proper scores even after 2 weeks : my score has increased only by XXXX points to XXXX as of XXXX/XXXX/2016 ( as opposed to the XXXX they sent to me 2 weeks ago ) even though nothing has changed with my credit accounts or credit utilization. Supporting documents attached.
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

These people just popped up on my XXXX report on XXXX, I do n't know who they are I only had XXXX collections on my report XXXX for a XXXX and XXXX for XXXX, I just got a letter the end of XXXX that the XXXX was not mine and they will be removing this soon, this is a fraudulent collection, XXXX contacted me in XX/XX/XXXX and said my credit had been compromised and offered me free credit monitoring I did not take it at the time because I did n't think I needed it because I had started straightening out my credit, now these people pop up out of nowhere.
Consumer complaint received 2016-11-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

This dispute and investigation is for Enhanced Recovery. I had phone service with XXXX XXXX and was ending my contract with them and I was charged twice for a payment on my card. They continued to bill me for a third time when I explained they already received two payments. They continued to pursue me for compensation and I refused to pay because I was already charged previously. The account went to collections which it should NEVER have, and I disputed this file and had it removed a couple times from my report. Enhanced Recovery has since appeared on my report owning the same debt which was placed in a collections status plummeting my credit score. I needed it to go away to save my credit score so I paid the balance AGAIN in full in XXXX 2016 to get rid of the collections status. This account is still on my report and in collections status, I demand it be removed for good!
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Garner & Conner, PLLC (TN)

Garner and Conner purchased this debt from the apartment agency I used to rent from. In email communication to me, their representative said that he would have to negotiate with former landlord on my behalf about the amount I would have to pay. He was lying, because my credit record shows the debt was paid off to the apartment company when Garner and Conner purchased the debt. They got an agreement with me on false pretenses. 

Then, my father was killed suddenly while I was negotiating with Garner and Conner. I did fall behind a little in the initial down payment but I am more than caught up at this time, even ahead of the agreement. 

Without any mail or email or call, I got a summons to court for XXXX XXXX. It is true that I agreed I could be sued if I did n't pay on time but they gave me no warning at all that a summons was in the works.
Consumer complaint received 2017-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (FL)

I got a {$300.00} prepaid XXXX at a XXXX conference last year. I used it once and I noticed today that the expiration date is XXXX. So according to your web site, https : //www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/ I should be able to get a new card to use the rest of the balance. 
I called the 800 number on back of the card and they told me that was not possible. That it was expired and could not be renewed.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (CA)

I started receiving phone calls. Then I searched the phone numbers and this collection company turned up as the owner. I have sent a request for their surety bond agreement, and collection licence that I may report them to the state regulator. This is in breach of HIPAA laws. I have sent three letters asking to cease and desist with the phone calls, letters, and all communications. They are continuing to report it on my credit and that too must stop. It is a violation of the FCRA, the FDCPA, and my legal rights.
Consumer complaint received 2017-06-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Debt Management Solutions, LLC (CA)

I sold a car ( XXXX XXXX XXXX ) back in 2015 for parts and got signed release of reliability form signed and turned into the DMV. The car was supposedly towed last year and the towing yard handed the debt that was owed onto an agency ( Nationwide Debt Management Solutions , LLC ) and said agency has been repeatedly calling and harassing my family. I do not answer phone numbers I do not recognize, so I do n't have a first account on the actions these people have done but they have been calling my family repeatedly after telling them to stop. They have threatened to call police, take me to court, and also threatened my parents.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (GA)

We keep recieving letters of collection regarding an amount that has been turned over to a collection agency from  XXXX . The account in question belongs to our son who is a minor and who was unscrupulously taken advantage of by another  XXXX  member. The account has been placed in collection, and we assert that he is not, nor can be held accountable for this amount due to the fact that he is a minor and not able to enter a legally binding contract. Despite this explanation both written and verbal to the collection agency charged with collecting the debt, we continue to receive demand payment letters.
Consumer complaint received 2017-06-26
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: Experian Information Solutions Inc. (CA)

experian has fraudulently used my address for someone else and the sent the report to me. 1. received a report at my home address for another person 2. no such person at this address 3. correct this now 4. have experian apologize for their stupidity 5. get that person off my address 6. now
Consumer complaint received 2017-06-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC (NY)

I paid my XXXX XXXX the balance of my debt of {$59.00}. I accidentally sent them {$69.00}. Paid in full right? I check my credit report and I have Security Credit System on my report. I never dealt with Security Credit Systems. I dispute the debt. I receive a letter on  XXXX/XXXX/XXXX from Security Credit System , Inc saying I have a balance of {$9.00} ( handwritten on invoice ). What it also has handwritten is a charge for collection fees of {$19.00} and no date. Which is 33 % of the original debt. I called SCS to dispute the charge. They REFUSE to send me any and all copies of invoices they claim they sent with this balance on. They claim the collection charge was added XXXX/XXXX/XXXX. They REFUSE to send me any copies of an invoice showing this charge sent to me or fees added at this date. They REFUSE to send me any copies they claim they sent me They REFUSE to send me any documentation of their fee rates nor send me any literature on how they came up with a 33 % Fee. They REFUSE to send me anything. They threatened to put on my credit against me yet refuses to give me any way of disputing this. My debt was paid to XXXX XXXX XXXX XXXX and that is final.