davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-24
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: AMERICAN EXPRESS COMPANY (CA)

Per XXXX Submitted to the CFPB on XX/XX/XXXX. American Express did not not update me in the 60 days, by XX/XX/XXXX, in which they stated they would do in their first response. 

In Summary of the complaint : In the Month of XX/XX/XXXX I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. 
The cause is that in XX/XX/XXXX I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00} to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX  which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/XXXX per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION. I have called American Express several times to explain the situation and they only seem to send me my complete XXXX statements. Unfortunately, they will not look at the XXXX file as proof of this error and they only rely on their Statements which are part of this error. To further my troubles the American Express agent told me that there is nothing I can do to fix the discrepancy between the XXXX and the PDF 's and I should just pay the amount they see as owed. I estimate that I have spent 11 hours on the phone with American Express and 5 hours on my own time figuring out what the root cause may be. At this point I would like American Express to find where the discrepancy is between the American Express statement and the American Express XXXX file. I do have a statement from my certified public bookkeeper that supports my case in the American Express has performed an accounting error.
Consumer complaint received 2018-06-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (GA)

Dear Sir or Madam, I appreciate your taking the time to view this. In XX/XX/XXXX I opened a checking and saving account with Wells Fargo Bank. They were running a promotion of {$200.00} if you met certain requirements on the Checking Account. I called in XX/XX/XXXX inquiring when the bonus would be posted. The lady told me I had qualified and the bonus would be deposited within 45 days. I sent them a message after the required time. I was told they needed an Individual Taxpayer ID even though they have my social security number. They said they would mail me the form I needed. I waited 14 days and asked about the form. They told me I should have received it within 10 days but they would mail another and for me to fill out and take to my local branch here in XXXX, GA. I filled out the form and took it to my local branch back in XX/XX/XXXX. I called just a short while ago and after holding for several minutes I was told there were no bonuses advertised during the time I opened my accounts. I asked why I had been lied to and she said I would gotten a code in the mail to receive the bonus. There she contradicted herself. I know {$200.00} is not much to some but I have jumped through all their hoops for months now only to be lied to once more. Can you please tell me what I need to do as contacting Wells Fargo is useless? I am going to close my accounts but I feel they need to answer for their unsuitable behavior. Thank you.
Consumer complaint received 2018-06-24
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: ENCORE CAPITAL GROUP INC. (IL)

I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 and XX/XX/2017 that  these accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to XXXX  XXXX and XXXX  and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

In XX/XX/XXXX, I paid off my Wells Fargo credit card, as it was in collection status. Due to financial struggles, I never had the chance to pay it off for almost four years prior to this. After paying it off, Wells Fargo informed me by letter that it will be reported to all three credit bureaus as closed & that it can be removed, along with the late payments from XX/XX/XXXX-XX/XX/XXXX. However, that status has never changed and the account is being reported as a " charge-off ''. I've disputed this account with the three credit bureaus, only for the dispute to be denied.
Consumer complaint received 2018-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have paid XXXX XXXX Card in full for 2 accounts held after going thru a financial crisis. it has been more since XX/XX/2017 that this accounts has been paid. they have failed to update my payment status to paid or delete the file as requested upon payment. i have XXXX XXXX multiple times i have called the collection agency XXXX XXXX XXXX begging to update this information i have send disputes to Transunion XXXX and XXXX and the fail to update or remove my credit files. i've paid in good faith to redeem my good reputation after my hardship. this is greatly hurting my process to buying a home
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I took out a loan in college in XXXX, specifically a FFEL STAFFORD SUBSIDIZED established on XX/XX/XXXX. This loan was paid off as in full as of XX/XX/XXXX. However I am constantly receiving calls for student loan debt. I believe that it is showing that this loan is still outstanding, dragging down my credit score. This loan in paid in full and needs to be reflected on my credit report ASAP, showing as paid in Full 9 years ago. I can send all loan detail as required. Please help me with this as it making car loans and interest rates much higher than they should. 

Thank you.
Consumer complaint received 2018-06-24
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. (GA)

I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry  from XX/XX/XXXX XXXX Banks XXXX XXXXXXXXXXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Consumer complaint received 2018-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXXXXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX, XXXX All Banks XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates is reporting on my credit report as a factoring company and is not a factoring company, they are a debt buyer. This is a violation of FCRA .Also on the account the terms are listed as one month. I never made agreement with PRA on terms for this account which is inaccurate and violation of FCRA.
Consumer complaint received 2018-06-24
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: EQUIFAX, INC. (GA)

I did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from JXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )
Consumer complaint received 2018-06-24
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: Navient Solutions, LLC. (FL)

On XX/XX/2018 Navient flagged my credit report with all three bureaus for being 90 days past due. I contacted Navient on the same day and they referred me back to the credit bureaus who were reporting to handle the issue. On XX/XX/2018 I disputed all Navient account because there was NEVER a late payment. My loans are actually in forbearance and have been back dated for months. Two days later I got an alert from the credit bureau 's saying that the information was accurate and nothing has been changed. My credit score has dropped more than 120 points and now I can not apply for an apartment because of this FALSE reporting. I need this to be fixed immediately and I don't know where to turn. Please help me to get this issue resolved?
Consumer complaint received 2018-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX  is calling all day every day, twice every hour on the hour. This is Sunday and I have received calls from XXXX XXXX on. They use an unknown number and they do not leave a message. The only way I knew it was XXXX is because I picked up the phone once and demanded they tell me. First they gave me a fake name.
Consumer complaint received 2018-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX I opened my billing statement from XXXX XXXX XXXX XXXX/ LOANCARE , and found out that a drastic increase on my monthly mortgage payment from {$3400.00} to {$5600.00} statement dated for the month of XX/XX/XXXX. I was so stress out and could not sleep at all and have been sick since then. I had called the XXXX and when ever I call them I have to wait for 2 hours or more to get hold of someone. Called dates : I believe my first call was on XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I questioned the said increase and they open an escrow analysis on XX/XX/XXXX ( i think ) but they were saying that the said increase is correct. I sent an email to the company ( XXXX, XX/XX/XXXX ) and even received awknowledgment that within 15 days they will have an answer to my case. I have to call and follow up but they keep on transferring to differner people and ask me same question over again. I sent an email to another XXXX, XX/XX/XXXX and got an awknowledgment that within 48 hours they will get back at me. Unitl know XX/XX/XXXX I have no response from them I've been calling and providing the information and documents that they asked, still no definite asnwer. I feel I am not being heard and that I am being neglected. I hope you could push the company to make sure to prioritize the case because this was really their mistakes. They been charging me twice the actual property tax ( two parcels ) and been charging me of the late payment because I did not pay the {$5600.00} and paid only my corrected computation base on one parcel only whichis {$3600.00}. 

I hope to hear from you soon
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (LA)

I bought a car in XX/XX/XXXX and paid on it until XX/XX/XXXX I bought it for {$12000.00} I owed {$900.00} on the car. The bank wanted me to just pay it off I got out of the XXXX  it got totaled I had full coverage XXXX  They would not cover it because it was hit and run under Tennessee law they do not have to cover it.

The bank is reporting that I owe 90 % of the sale like I never paid them and closed the account please get a full detail of when I started paying and how long I paid on the account they won't show This because they are wrong please delete this off my credit report this reporting in accurately
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian has not updated my balance of my XXXX XXXX account. I contacted XXXX XXXX, and they quoted the correct balance ( which is lower that what Experian has ) they reported to the 3 credit bureaus. In addition, XXXX and XXXX  have been updating my status and balances accordingly every month, just not Experian.
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (PA)

I was court appointed on XX/XX/17 by a PA Court of Common Pleas Judge, XXXX XXXX XXXX, in XXXX County to gather records related to the indigent client, XXXX XXXX XXXX. The court order clearly stated " It is also ORDERED, that XXXX XXXX XXXX be permitted to photocopy or to have faxed/mailed/emailed to him any and all of the records AT NO COST to either XXXX XXXX XXXX and/or the County on behalf of said indigent Petitioner. '' On three separate occasions I contacted XXXX XXXX informing them of the above, with no success -- not to mention that at no time was I ever informed by the agency from whom the records were requested initially ( XXXX XXXX XXXX ) that any fees would be involved if records were sent. 
Now I have been sent a letter from the XXXX XXXX XXXX, a debt collection agency that they expect me to pay XXXX XXXX {$75.00} for the copying of 76 pages of information, equal to {$1.00} PER PAGE. This, in and of itself, is an outrage ( $ XXXX/page ), let alone AFTER THE FACT charging the fees, PLUS IGNORING A JUDGE 'S COURT ORDER.
Consumer complaint received 2018-01-26
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: EQUIFAX, INC. (MI)

Equifax is reporting a hard inquiry on my report because XXXX XXXX XXXX has purchased XXXX XXXX. The representative asked me if I was interested in cable I said sure as long as you dont run my credit for a hard inquiry, the representative had already checked my credit for internet service. So I didnt want my credit being ran for cable I thought since they checked it for internet it was already set. I called and talked to a XXXX XXXX XXXX representative they assured me that they would handle the issue but nothing has happened.So now I have XXXX XXXX XXXX and XXXX XXXX as hard inquires on my Equifax report.
Consumer complaint received 2018-06-24
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: CITIBANK, N.A. (IN)

I booked a hotel room through XXXX, for a hotel room in XXXX XXXX, IN. The 1 night stay was on XX/XX/2018. Upon arrival, the hotel staff charged my ( CITI credit card ending in XXXX ) for XXXX and stated that it was just to cover incidentals, which I know is normal, however it was never refunded even after being told it had been refunded. My credit card is stating that it was a legitimate charge but that the XXXX charge was never used so they took it upon themselves to initiate a dispute for that amount of XXXX ( CITI card ending XXXX ). The amount I paid on XXXX was the correct charge but the hotel and the credit card company will not reverse the charges that the hotel charged for the same stay. I have tried numerous times to get corrected since that date and even have email where hotel reported having refunded the money, however, it has not been placed back on my card ( XXXX ). I have documentation showing the numerous times I have tried to get corrected.
Consumer complaint received 2018-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I called requesting a refund of the credit balance on my account, Automated had to transfer me to live agent, her name was XXXX. I came through verified so she only ask my name. Once I ask to have my credit refund mailed to me she went into 100 verification mold. I told her to send to the address on file where I have been getting my statements and making my payments.