davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Consumer complaint received 2017-08-29
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. (FL)

To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXXand that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Consumer complaint received 2017-08-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Advance America, Cash Advance Centers, Inc. (NC)

On Monday XXXX XXXX, XXXX, my mother received a call from XXXX XXXX regarding a collection that they have for me. They left a voicemail saying they were wanting to know how to locate me. She said she was from the XXXX XXXX XXXX XXXX there is legal litigation being filed against you. 
She said it was court case # XXXX & their phone # is XXXX. 

On Friday, XXXX XXXX XXXX. They proceeded to contact my spouse and he missed the call. A voicemail was left advising him that they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement. 
I attempted to return the call, received a voicemail that was full and unable to accept messages. 
They then contacted my husband 's ex-wife. They released the same information to her, advising her they were trying to locate me to have me served, they were moving forward with a litigation because I had failed to fulfill my agreement.
Consumer complaint received 2017-08-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

We have been working with a third party short sale processing firm in order to complete the short sale of our home. Chase has refused to review the short sale for approval without the approval letter from the junior lien saying that they are willing to accept {$1500.00} to release the lien. 

The third party company has worked hundreds of short sales where these mortgage banks WILL review the short sale with a preliminary HUD settlement statement WITHOUT having any settlement letters from the junior liens, 2nd mortgages, HOA 's etc. 

Not only that, but they have worked with Chase in short sales before whereby they have NOT asked for the junior lien, 2nd mortgage, HOA etc approval letters BEFORE reviewing it themselves. 

The third party company has already escalated the issue within Chase with multiple managers, the Military escalation department, and the Consumer Advocacy department to no avail. This needs to be completed now.
Consumer complaint received 2017-07-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (GA)

My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help.
<P/>
Please help me
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. XXXX acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to XXXX XXXX 6-7 times between XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX XXXX, 2017 I received my second unsolicited and unwanted American Express credit card ( this card came at least with a return address on the envelope : XXXX XXXX XXXX, XXXX, NE XXXX ). Just the month before I had received the first American Express card AND a sheet of checks to get cash from credit, which totally appalled me! This 1st card had a much higher credit limit than the 2nd one received called XXXX Credit Card from American Express. Both of these unwanted, nor ever asked for credit cards were followed within a day or so by a letter from American Express containing my PIN numbers! I have never used a PIN # in my life. Any phone numbers provided by American Express were those to confirm/use these cards or to automated menus which gave me no relevant options to demand these cards and cash-back checks be stopped immediately! I surmised these financial assaults also included surveying my personal data from credit reporting companies without my consent. I resorted to destroying the first credit card and checks, which if misdelivered, as much of our other mail has been to the house just down the block with same house number, could have done copious mental and financial damage. I contacted consumer finance.gov which failed to send me the complaint form I requested for the first mailing and feel very violated and vulnerable as we have mail delivery/misdelivery problems in this very populated and unbridled-growth city of XXXX XXXX, Fl that we live in very close to downtown. We feel this unsolicited and irresponsible, predatory financial marketing is endangering our very good credit, as well as carelesssly exposing us to identity theft and financial liability. We do not owe anyone anything. We have paid off our mortgage, our cars and pay our XXXX credit cards off each month in full! We resent American Express and any other corporate predator endangering our privacy and financial security. Please help my husband and myself with this matter. Very sincerely, XXXX XXXX XXXX XXXX, Florida
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NC)

Citi XXXX XXXX XXXX I had a balance of approx {$3000.00} in XX/XX/XXXX, I paid {$2000.00}. In XX/XX/XXXX we made some large purchases ~ {$7000.00} for an upcoming trip. Before I even received my statement I paid {$7500.00}. I will admit I did not realize I had not paid the complete amount for the previous period. Then I receive the XX/XX/XXXXstatement. I am being charged for interest in items all through the next two statements!!! According to their documentation : " If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. '' XXXX XXXX does not do this. I guess I need to read the detail in the future. I think this is criminal how they treat their customers. Everyone should know about this. It is very wrong.
Consumer complaint received 2017-08-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (KY)

We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law 383.625 to terminate our lease. We paid XX/XX/2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.
Consumer complaint received 2017-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

capital one is my favority bank i feel deceived no scripts in the response. but i asked on XXXX for 3 months to pay it without interest i am being given scripts.no no no refunds and while this bank has refunded the fees it has resulted in increased business from me as a result. now i am getting stonewalled so i am not using ctedit cards at all my 3 accounts. I am loyal i know you hvae been loyal but now i am being stonewalled. with scripts. i use the card due to loyalty. y advice get to know your customers better. i cant use my cards now. i am responsile i know interest is valid but after 12 years you cant help me but a new customer ok then i will go elsewhere. FINANCIAL industry get to know your customers better.
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (GA)

About a month from today ( XX/XX/XXXX ) I got a call in the morning regarding a debt from XXXX that I had supposedly accumulated over time. I 've never had a phone bill in my name. I 've always been under my parents because I 'm still a broke XXXX XXXX. The person over the phone asked my for my name, birthday, and full social security number. I told him all my info until he asked for my social. Once I realized that the phone call seemed off, I was a little hesitant to give even the last 4 of my social. He tried to tell me the phone number that the account number was under and when I said I did n't recognize it, he essentially accused me of lying. When I refused to give my number, the man on the phones tone of voice and mannerism of speaking completely change. He started to threaten me with cops coming to my house and things of that nature. I ended up hanging up eventually and immediately called XXXX. The customer service representative told me that I had no outstanding bills and that they would never call if we owed money. After that day, I did n't think much of it and went on with my life. Fast-forward to present day, I get a letter from a company ( Receivables Performance Management LLC ) saying that I owe XXXX {$5300.00}. I 've never had a XXXX account either. The letter states that they are willing to accept 60 % of the totally about due as settlement in full and they are not obligated to renew this offer. The notice date is for XX/XX/XXXX and they want the payment of {$3200.00} to be received on or before XX/XX/XXXX.
Consumer complaint received 2017-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I am an idenity theft victim verified by the IRS and Social Security there is a bank account that I am not aware of that has funds that were intended for me I had Bank accounts with XXXX, XXXX XXXX and Wellsfargo i think that an account exist with wellsfargo or the investment brokerage involving Wellsfargo Bank a crime ring has reportedly transfered XXXX XXXX dollars a week from an account related to my name and social security number it is under investigation by XXXX Police Officer XXXX XXXX XXXX
Consumer complaint received 2017-07-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (FL)

I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.
Consumer complaint received 2017-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

I have a Citi Checking and a Citi DoubleCash ( credit card ). I instructed Citi DoubleCash to pay off my credit card using my Citi Checking on X/XX/2017. Citi DoubleCash informed me that it withdrew the funds from Citi Checking on X/XX/2017 ( Citi rep confirmed it in a written chat conversation on XX/XX/XXXX ). However, on X/XX/2017 my Citi Checking did not show that the transaction took place on XXXX/XXXX/XXXX ( also it did not show that that the transaction was " pending '' / " in progress '' / " scheduled '' ). When on X/XX/2017 I asked a Citi Checking rep, how much money I had on the account, she  stated that it was {$11000.00} ( which did not reflect the {$4000.00} payment that was already transferred to my Citi DoubleCash a day earlier ).
I asked the rep what would happen if I relied on the information provided to me by Citi Checking that on XX/XX/XXXX I had {$11000.00}. What if on X/XX/2017 I withdrew {$8000.00} from the account, and a few days later Citi Checking informed me that at the time of withdrawing {$8000.00} I had not {$11000.00} but {$7000.00} on my account because Citi DoubleCash withdrew {$4000.00} on X/XX/2017. The rep  informed me that I would be charged an overdraft fee and that the fee would not be waived.
Consumer complaint received 2017-07-11
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. (DE)

This is a follow-up to an inquiry I made yesterday. I sent a complaint into the CFPB yesterday explaining that I have an account with   XXXX    XXXX   XXXX  who reporting me delinquent with the credit bureaus after my account went past due due to an auto-pay not getting set-up accurately online. I feel like their website had an error because I have a long history of on time payments never having a delinquency on my file. Further more they have my address information and email info, but never contacted me to give me a chance to pay prior to the account going 30 days past due. They did indicated they tried to call me but I could tell their call from a marketing solicitation since they never told me the reason for the call in the message.  <P/> When I contacted  XXXX  they told me they would investigate and get back to me. They did and told me there was nothing they can do and the delinquency would stand.  <P/>  XXXX  contacted me today to tell me that they have received the CFPB compliant and because of that a full account audit will be conducted. Why I 'm disappointed is that is what they said they were going to do to investigate if they can remove the delinquency. Only after the CFPB got involved it seems they will do the due diligence to give me full consideration.  <P/> I wanted you to have this additional information to consider and maybe even obtain the recordings of the conversations to see if you agree with their approach.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

During my last billing cycle for my Lowes store card my payment for the full balance ( {$250.00} ) was withdrawn from my bank account twice. When I first contacted the company about this issue on XX/XX/XXXX they refused to even begin processing processing a refund because according to their internal accounting system the second payment was still listed as " pending ''. I tried to explain to them that the money had already been electronically transferred out of my account and that their accounting system did not accurately reflect the current situation. Timing of the refund was important to me because I had several checks outstanding that would bounce if the funds were not returned promptly. Sadly they were unwilling to budge. Patiently I waited until their system showed my payment as completed on XX/XX/XXXX and called them back. Again I encountered stiff resistance to promptly issuing a refund. The person I spoke with initially that day, and then their supervisor, both claimed the only way they could issue a refund was via check which would take at least seven business days. The supervisor even went so far as to claim that it would be a violation of banking regulations ( a criminal act ) to issue a refund electronically using an ACH transfer. The only way they were willing to expedite the refund was if I sent them a letter from my bank ( on official letterhead ) showing that two payments had been withdrawn from my account. I still do n't understand why they would require proof directly from my bank after making me wait until their accounting system showed receipt of two payments. Nonetheless I offered to send  proof via email but they were only willing to accept a fax, which I do not have access to. Their insistence on communication via fax is perplexing because they are constantly trying to trick me into signing up for email only delivery of my statements via repetitive and confusing pop-up windows. I 'm truly frustrated by the refusal to promptly correct a simple mistake and issue me a refund. Even more troubling is someone in a supervisor position actively lying to me about federal regulations, which of and in itself may constitute a criminal act.
Consumer complaint received 2017-08-29
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: EQUIFAX, INC. (GA)

This complaint in in regard to another complaint I have open. This is how these credit bureaus try to slight people but this is fraud!!! This morning I received an email FROM XXXX stating that my address has been updated with them and to call the number on the back of my card if I did n't authorize this. I DID NOT AUTHORIZE THIS. I DO NOT HAVE A CARD OR ACCOUNT WITH THEM. THESE CREDIT BUREAUS are trying to use the address I provided them to update this account on my credit profile to claim this is me that opened this account WHEN IT WAS NOT ME. This is fraudulent! I do n't even know what address they placed on this XXXX account.
Consumer complaint received 2017-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (TN)

XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Consumer complaint received 2017-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (OH)

Stellar Recovery, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX appeared on my credit report XXXX XXXX collecting for XXXX XXXX. I have never received any information from Stellar Revovery regarding this said debt. I tried to call the phone number listed on my credit report, and the number does not work XXXX. I paid XXXX through another company, almost three years ago. I do not owe XXXX. This is unfair that a company from no where can put information on someone 's credit report and not provide any documentation of the debt or a letter to inform the consumer that they are working on behalf of said company. I paid XXXX off. This is why they were not on my credit report initially. I had cox over 6 or 7 years ago. I do not owe XXXX. This company did not provide a letter or documentation of this so called debt. How did they end up on my credit report.