davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
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)

Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/2015 Balance ( XXXX ) as of XX/XX/2015 still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/2015 {$1500.00} still in collections area Experian, XXXX , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/2015 {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
Consumer complaint received 2017-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

While serving I 'm the United States XXXX I was stationed in XXXX XXXX while our XXXX was being renovated and repaired. 
We rented an apartment in XXXX, XXXX. They gave us 1 free month and I think it was if we signed a year lease. Being military we ca n't always commit to a 1 year lease. The manager who signed us up assured we do n't need to worry about it if we move early because of being military. 
Midway through our stay the apartments changed ownership or management. This turned out to be somewhat of an issue for us. The agreement we had with the previous managers was gone because of the change in management. 
During our stay at XXXX we received the news that our XXXX was completed and we would be relocating to XXXX, XXXX. I do n't know about you but we were n't going to rent an apartment I 'm XXXX when we moved XXXX. 
We let them know and we moved. 
Months later we began receiving calls from a terrible debt collection agency. They claimed we owed them for the free month we were provided. Being that I was XXXX military there was not we could do to stay there and complete our lease because of military orders. 
We provided this documentation to these very rude and unprofessional individual at the collection company. He straight up called me a liar on the phone because his " Marine friend '' look at our orders and said they were n't real. 
I have 100 % proof that immediately after moving from XXXX that we had a new place in XXXX and that I was still XXXX 3 years in XXXX, so I assure that my orders were not some false fraudulent document as the collections rep stated by calling me a liar on the phone. 

We are considering legal action as it is as this has caused me significant grief and suffering in my life as it has made it very difficult to rent or buy a home due to the bad mark not only on my credit but to also homeowners when they see we had a nonpayment for a rental.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently sent a letter to Transunionrequesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Transunion explaining what an inquiry is rather than a direct response to my concern. This is unacceptable. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.
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: Navient Solutions, LLC. (MA)

XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now Navient has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo led me to believe that I was approved for a loan and good to close on XXXX XXXX 2017. I requested numerous times for over 4-6 weeks that they look at my application and provide me a written approval. None was provided. I was given a verbal every time and " pre-approval ''. I gave them my closing date, they were aware of it. And on XX/XX/XXXX at XXXX, 1 business day before my closing date for my future home, they denied me the loan. I had provided them EVERY piece of information in a timely manner that they had requested as part of the application process. I was not given a reason for denial. I was simply denied. This was tremendously unfair and deceptive to lead me on till ONE day before I am due to close and tell me that I should explore other options. I have to move out of my current house on the XX/XX/XXXX. That leaves me 3 days to figure out how I am supposed to get a mortgage for the new home. This was unprofessional. They are not open in communications. The lender did not communicate directly with me ever! I would like to understand what the basis of denial was. I would like the lender to give me a call or meet face to face and show me the customer respect that I deserve, not hide behind a text message or an email.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX is a credit processing center who is reporting erroneously. When an account is past due they take 60 days to send the information to the credit bureaus. I called and spoke to a XXXX and she does n't understand that it is incorrect to say that since they do n't report an account as past due for 60 days that this is considered the 1st delinquency date. She said I was 60 days past due as of XX/XX/XXXX. If I was 60 days past due as of XX/XX/XXXX then the first date of delinquency would be XX/XX/XXXX. This should be reported to Equifax who refuses to remove this outdated account from my credit report. XXXX XXXX sent me a ledger which I sent to Equifax however Equifax refuses to use that information and XXXX XXXX XXXX continues to say their information is correct when Equifax verifies information with them when in fact it is not correct. AN ACCOUNT MUST BE DELETED 7 YEARS FROM THE DATE OF THE 1ST DATE OF DELINQUENCY NOT WHEN IT WAS REPORTED BY A CREDITOR. AGAIN IF AN ACCOUNT IS 60 DAYS PAST DUE AS OF XX/XX/XXXX THEN THE FIRST TIME IT WAS PAST DUE WAS XX/XX/XXXX. I WANT THIS INFORMATION CORRECTED AND IF IT IS N'T I WANT XXXX XXXX FINED AND TURNED OVER TO THE THE FTC FOR WILLFUL NEGLIGENCE. A proper resolution would be the following : To fine XXXX XXXX XXXX for willful negligence to correct erroneous reporting according to the Federal Law. And for violating of Federal Law regarding their negligence reporting method. Turn them over to the FTC for willful negligence for not correcting erroneous information when it has been brought to their attention. They should be fined {$1000.00} or more for the infraction and I should be compensated for their willful negligence. XXXX XXXX XXXX has over 65,736 complaints by consumers because they their accounting is erroneous and they do n't keep accurate records.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (GA)

A month ago, I disputed the items on the following attachments off of my Early Warning Systems Report. I have not received any confirmation of receipt, no investigation results, or anything. I called them and they said that they have no record of my dispute. Attached is the final letter that I sent them today. I will be filing suit in court 30 days from todays date if these items are not removed from my report. Please see attached documentation.
Consumer complaint received 2016-10-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (MD)

I only have XXXX account with wells fargo dealer services account # XXXX and I saw on my credit report for all XXXX reporting agencies, XXXX XXXX XXXX that well fargo dealers service is reporting another account number for the XXXX account that I have the other number is XXXX they changed the information on this account as though I have opened another account when I only have the XXXX with them, they changed the information of the opening date and the amount of payment when my payment was XXXX not XXXX their reporting a new account number for an account that should be closed, and that I had no knowledge about until I checked my credit report, and i called the company wells fargo dealer services, told me that it was the same account with another account number I said i 'm not aware of this and I was n't made aware of this new account and they are breaking the law again they should only be reporting the XXXX account XXXX that I know about. there already being sued for opening accounts that consumers are not aware of please correct my credit report with the account number that shows the account closed I only know about which is paid off there 's no need to add another account that I do n't know about when this account is closed and paid as agreed. the XXXX should not have been opened without my knowledge.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (AZ)

XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. 
The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.
Consumer complaint received 2016-11-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Malen & Associates, p.c. (NY)

Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. 
HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. 
In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. 
As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. 
WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.
Consumer complaint received 2017-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I checked my transaction on line and over the phone before pickup and its status was available. However, when I attempted to pickup at the ACE CASH EXPRESS - # XXXX at XXXX XXXX XXXX I was told the transaction was not available. She also gave me a printout that stated the number to call and a warning message which shocked me. I called money-gram while at the location and was told money-gram was refusing to provide me its services due to discomfort which is not a term of service or policy. When I contacted my sender they stated to me the transaction is still available and shows available when I check it a moment ago today X/X/2017 at XXXX. I am confused by what is happening and am wasting my time and money to travel to pickup. I called again at XXXX XXXX and the agent stated the transaction is not available and the sender has to call in even thought the website states the transaction is available.
Consumer complaint received 2016-11-11
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (OR)

I recently went to draw XXXX dollars out of my account and the atm only gave me XXXX dollars but XXXX was still taken off my card along with the XXXX charge for using the atm. I followed all the steps I needed to I sent them a copy of the receipt showing the proof only to get an email back saying they are n't giving me back my XXXX they never gave me but took that they do n't see anything wrong. This is the 2nd time I also had a XXXX taken from me from a hotel I have NEVER even stayed at. I support XXXX people so I ca n't afford to have someone take over XXXX dollars from me in a month. Can you please help me they been giving me the run around for over a month now.
Consumer complaint received 2017-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

This complaint will envolve Transunion credit bureau, The USPatriot Act of 2005 and numerous credit reporting agencys that have ruiened consumers to get financing due to personal info being shared by any business, credit reporting agencys, Federal banks and anyone who wants to pull someones info in their personal credit file without their authorization .This is unfair and fraudulent activities of the credit reporting agencys and Transunion to release information to anyone who asks for it. Idenity theft of all these credit reporting agencys and the USPatroitAct of 2005 put in by President Bush. I will be attaching numerous credit reports also XXXX XXXX regecting me a bank account due to inaccuracy and Fraud being released by these bureaus and I have nothing in there to be denied a checking or savings account. And also I want this sent to the US Congress a complete revision of the patriot act on behalf of the consumers. We only need 1 credit bureau
Consumer complaint received 2017-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As of XX/XX/2016, while applying for a home, I learned of some fraudulent information on my credit report. I first filed an identity theft report with local authorities and then sent a copy to each " creditor. '' I received a letter from XXXX of the XXXX companies agreeing that the accounts were found fraudulent and that they requested that they be removed from my credit report. Transunion had initially removed each " creditor '' from my file but later sent a statement that they were " reinserted. '' I 've requested original documentation/applications of credit be sent to me however, to date, I 've only received copies and the incorrect information still remains on my credit report preventing me from operating in commerce as I should be able to. I 'm requesting assistance from FTC and/or its affiliates to get all incorrect/fraudulent information off my credit report. Also, soon after bringing my issues to each " creditor, '' the accounts that have not been removed, have quickly been sold to a third party who now continue to harass me for unwarranted payments. Please help.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

XXXX XXXX 2016 -- & gt ; YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and TransUnion GAVE NO FREE REPORT. IN FACT CHARGES A DOLLAR AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
Consumer complaint received 2016-07-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

I received a call that my daughter who is XXXX years old had some kind of outstanding debt. I refuse to verify her birthday because I could not get them, the caller, to verify their business. They claimed to be calling on behalf of Chase Receivables of New Jersey. I did provide them with my last XXXX addresses. However, they said the addresses did not match what they had on file. They called before a letter had been sent to my home. As of right now I still have not received a letter
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2016 a garnishment levy was placed at Bank of America and a hold was placed on my personal checking and savings account. On that same day a " judgement debtors claim for exemption '' was filed in the 11th judicial circuit court, XXXX, MO and delivered to my local branch of Bank of America. Bank of America staff accepted but refused to honor said filing. They submitted it up the corporate pathways and told me each day that it was being processed. No one would let me communicate with the legal department, nor did they ask for more information. I also talked multiple times with the Law Firm holding the garnishment and they informed me that I filed correctly and presented correctly to the bank. On XX/XX/2016 the Law Firm holding the garnishment fully released the garnishment and faxed multiple locations of Bank of America, including my local branch, the legal department, the XXXX, MO branch and another department ( unnamed ). When I presented in person back to my branch in XXXX, MO after speaking multiple times to the customer service line, I was informed ( as they held both copies of both legal documents ) that the matter would have to be processed until XXXX at night when I then could call to have my problem " escalated '' which would give me my funds no sooner than the following XX/XX/2016. 
The law states I should have had my money released immediately a week ago.
Consumer complaint received 2016-11-11
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (MD)

I have a prepaid Citi Visa debit card from XXXX, XXXX XXXX which expired with {$50.00} on it on XXXX 2016. According to the Consumer Financial Protection Bureau, this card should be replaced with a like card or a check. I contacted Citi Card Services on XXXX XXXX XXXX to ask for a replacement card XXXX with the instructions on the CFPB website. I spoke to XXXX ( employee ID : XXXX ). He said they would not honor the card or issue a replacement regardless of what the CFPB said. The address he gave for Citi Credit Services was XXXX XXXX, Pa XXXX.