davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
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. (CO)

I used to have a XXXX XXXX secured card that I deactivated but when I go on to see my credit score on independent websites, it shows that I have a XXXX XXXX credit card since XX/XX/2016 when I have never used any XXXX XXXX card. I filed a complaint with XXXX already and it has been solved but I have a problem Equifax because I don't want that on my credit score. That is my problem and I hope you could help me with that.
Consumer complaint received 2018-03-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (DE)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : PNC BANK Account # : XXXX I was never late 30,60, or 90 days late in the months of ( XX/XX/2017 through XX/XX/2017 ) .I 'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (NY)

I have a private student loan since XX/XX/XXXX with Wells Fargo. Since I started paying back the loan a few years ago in XX/XX/XXXX I was always on time. In XX/XX/XXXX after I became a parent, I called Wells Fargo to know if they can postpone my monthly payments for 3-6 months while I gained back my financial strength. They're resounding answer was No. My other student loan providers gladly worked with me on this. As of some time ago, I called Wells Fargo again and they still said no, granted that now some of my monthly payments were not on time due to financial struggles. My balance in XX/XX/XXXX-XX/XX/XXXX was roughly 12K and  since I graduate 7 years ago it is a little over 10K which was another reason for my call. I pay a bit more than the minimum and the balance never seams to go down in comparison to my XXXX loan which was almost the same and I owe my less on that one. Overall, I think Wells Fargo was not usually the best practices with consumers.
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (FL)

I am the third party. 

On Tuesday, XX/XX/2018 my wife received a voice mail at XXXX from XXXX with XXXX XXXX XXXX. I called them back and they confirmed they were a debt collection agency and that they were attempting to contact our neighbor, XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. 

We have no relationship with this company. We have no relationship with, nor even knew of the existence of, their customer XXXX XXXX. 

This company randomly obtained the phone numbers of people living close to Mr XXXX and decided to call his neighbors in an obvious attempt to shame him. This is an unfair collection tactic.
Consumer complaint received 2018-08-01
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: GreenSky, LLC (IA)

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing his credit reports he found a fraudulent related inquiry from Greensky made into his XXXX, XXXX  and XXXX   credit reports, created XX/XX/2018. An account was established using his information without his consent. An official dispute of this account was mailed to Greensky however stated the information used to hold Mr. XXXX liable for this account was an address that matched the address we provided for dispute and a phone number. A police report was provided as well as FTC fraud affidavit. My client has also had a fraudulent account established with XXXX in the amount of {$5300.00}.
Consumer complaint received 2018-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Finance Company, Inc. (OK)

XXXX XXXX Hospital. Service Date XX/XX/XXXX. 
Indicated patient part due XXXX. Paid on XX/XX/XXXX. 
Never had any documentation or bill sent after that. No phone call, No bill. 
Then on Saturday, XX/XX/XXXX, I received a bill from a collection agency. 
XXXX XXXX XXXX because I had insurance, they said they never received a bill from the above hospital. I have requested by phone and fax that they ( XXXX ) send me an itemized bill, and they have yet to do that. People don't want to do there job, so its just easier to set it aside and wait right before the statue of limitations is about to run out and then turn it over to a collection agency. The bill could have been paid off by now, and not be on my credit report. There are tons of people out on the internet that companies are using the " Parking Practice '', rather than spend time trying to collect it. There should be procedures in place that they have to follow as well. Three times and you're out. Then turn them over to collections.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Once again, as XX/XX/2018, Equifax sends me a confirmation number saying that I can view my report as well as the results of an investigation they completed, ONCE again, it tells me that My information doesn't match their records. 

Once again, this needs to be fixed or I will take them to court just so I can get access to my reports!
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

I had such a bad experience with AMEX. I signed up for AMEX Everyday Credit Card with " 0 % intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74 % to 25.74 % '' and " Earn XXXX   Membership Rewards Points after you use your new Card to make {$1000.00} in purchases in your first 3 months. '' I got my card without the offers.

I called to submit a complaint, after waiting more than a month I received We didnt find any APR offer on your account!

AMEX never promoted this card without that offer, I kept an eye on that card for a long time, and I was already pre-approved, and I waited until I really want to make a big purchase to use the card and I was surprised when I figured out that the offer is not applied.

So frustrated, felt that I got tricked, and they didn't offer me any alternative to fix the problem. I always get " We would not be able to override this ''.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have called Capital One Credit on several occasions to try to have my interest rate lowered because my payment is almost total interest. I have asked for any relief programs that they may have to no avail. I am a senior citizen on a fixed income, and my account with Capital One is currently closed, which I requested to try to get this account under control or to pay off. I have had no success with a interest rate reduction. Please advise. I need assistance to pay this account off. 

I have a ongoing medical issue and need assistance to try to pay this account in full, so I do not encounter any negative reporting on my credit history.
Consumer complaint received 2018-08-01
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. (FL)

In XXXX of 2018 I completed a lease on a XXXX vehicle for the full term of the lease of 36 months. Each payment was made on time and the lease was reported in XXXX of 2018 with no balance and paid as agreed. I received a bill in XXXX of 2018 for XXXX which was money owed on the car for excess mileage, and lease disposal fee. In XXXX of 2018 XXXX XXXX reports the lease with a balance of XXXX and pays as agreed. Then on XX/XX/2018 XXXX reports the lease as 31-60 days late. How can this go from XXXX to XXXX is paid on XX/XX/XXXX, and then is reported on XX/XX/XXXX as 31-60 days late. Also I have had leases in the past with XXXX and the reporting of the lease has always been for the payment terms, not the end of lease charges. The end of lease charges have been paid as the document attached shows. This is not fair to a good customer who has always made their payments on the lease on time. 
This is not correct the terms of the lease for 36 months were paid on time. I paid the XXXX on XX/XX/2018. I check my credit bureau on XX/XX/XXXX to show the reporting on this account with XXXX is now showing pays 31-60 days late with a balance of XXXX. This is not correct the account should show paid as agreed with a XXXX  balance. I have always paid this account on time with the payments over the 36 month term. An end of lease charge should not be rated, and the balance has been paid. 
I appreciate your help in getting this credit bureau reporting corrected to show the account as paid in full, and pays as agreed.
Consumer complaint received 2018-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Choice Recovery, Inc. (NE)

I was currently paying off a XXXX XXXX XXXX account for a little over 1000.00 I made my first payment and noticed my balance was going down however when I made a second pament I noticed that my balance was no longer going down in fact it was going up when I called and asked about why my balance was not going down the lady on the other end told me they just received an old hospital payment from XXXX XXXX   hospital and they added to my XXXX XXXX XXXX payment arrangement I thought to myself this is not right if I never would have had all my recites I wouldn't have know they tacked on an extra 300 dollars this is misrepresentation of a balance due.
Consumer complaint received 2018-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (FL)

I work for XXXX XXXX as a XXXX XXXX. I have been employed there for 13 years. I have been paying on a XXXX degree for 5 years. I received information through a work email that I may qualify for a loan forgiveness program through the Federal government. I applied and was accepted. Before my first payment was due I received another email that stated I applied for the wrong program and to reapply for one based on income. I did so and was accepted. I only had a small payment due on the original transfer as the whole payment had not been figured out yet. My first payment through the University of XXXX  ( Fedloan.gov ) site was {$340.00}. I immediately called the company and spoke to customer service and told them that my original payments were only {$310.00} prior to any transfers at 6.8 % interest why did my " loan forgiveness '' payments go up? I was told that my problem would be referred to their account problem department. I never received any correspondence. The next month my payment remained at {$340.00}. I called again and was told that they do see my prior request and would request again. Now my 3rd payment is still {$340.00}. I emailed The University of XXXX  complaint department personally 3 weeks ago with no response. I sent a second email one week ago stating my dismay and fear that this company is fraudulent. I still have no response. I also have complained at the first three requests that I also have never received any disclosure paperwork.
Consumer complaint received 2018-08-01
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: SYNCHRONY FINANCIAL (IL)

For three years Ive disputed Sychnory Banks invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes XXXX and XXXX  have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to Sychnory Bank. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Consumer complaint received 2018-08-01
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)

For three years Ive disputed XXXX XXXX invalid late payment history on my credit report. No matter the numeorus amounts of evidence and disputes Transunion and XXXX have allowed it to stay. In XX/XX/XXXX-XX/XX/XXXX I paid off my balance and made all Payments to XXXX XXXX. A few days after thy added almost {$900.00} if interest. I was told that if I made the amount of payments they stated in the agreement no interest would be added. I did this but it was still added. A few months later I received a form about people being misinformed and to dispute it. I mailed the form off and for several months called asking about the form and issue. Each time they pretended to have no knowledge of the issue. This continued until fall of XX/XX/XXXX when I requested every bill so that I can get the Attorney General involved. I received a letter stating as a courtesy they are removing the interest. Yet I still have 30 day late delinquencies reporting for their fraudulent interest scam.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CT)

Hi a couple of days ago I registered on the American Express website to setup my banking details and unfortunately I put in the XXXX # instead of the routing #. The payment was rejected twice, and just this morning I was able to rectify on line and make my first payment. In the mean time American Express has cancelled my account and won't reinstate it, despite making the payment and correcting the error. 
I have to travel this week for work booking hotels and flights. This is my only credit card as have moved back from XXXX. This will greatly impact my work trip and also ability to make a living. They keep saying I'm ineligible to get in reinstated. Can someone please help me? 
I have been an Amex member for over 25 years, but they still will not take this into consideration.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (SC)

We recently sold a home in New Jersey and a previous mortgage showed up for XXXX XXXX. My attorney found out that this mortgage was satisfied almost 20 years ago but a Discharge of Mortgage was never filed with the XXXX County Clerk. The new buyers continued with the purchase of our home but held {$67000.00} in escrow. My attorney has contacted Dovenmuehle and they were supposed to get a Discharge of Mortgage and file it with the Clerk. He has been dealing with the bank since the end of XX/XX/XXXX and has dealt with XXXX XXXX. Numerous calls by my attorney and myself have been to no avail. I need this money to purchase another home and believe that the almost 3 months we have been dealing with this is more than enough time. PLEASE help. The loan number was originally XXXX.
Consumer complaint received 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Hello, I bought a home and my mortgage was sold to wellsfargo. 
For yeas they weren't paying the county taxes out of my escrow. When I informed them that the property taxes weren't being paid they paid them out of what we had saved in escrow and left us with a shortage. I do not believe we should have to pay the back percentage of late fees that have added up. Wells Fargo said they were not going to make us pay but there is nothing in writing stating that we didn't have to pay these late fees for years. 

Second, I pay a high risk mortgage loan insurance to them. It was supposed to come off when we had either met time requirement or paid into the mortgage by so much. When I called to have this removed, they said that my window to remove the high risk insurance had passed and we were stuck with it until BOTH the time and payment amounts were met. They wouldn't tell me how long this window was open. They also denied their interest in refinancing to take off the loan. ( Of course ) We're now looking into refinancing with our credit union and being done with Wellsfargo completely. 

Can you help me?
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Relief Center (AR)

Received letter stating " Important second notice '' offering to settle {$16000.00} for {$8000.00} at {$240.00} per month for 36 months. Call XXXX to accept this offer. I have no such debt.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Echelon Financial, Inc. (IL)

I originally signed up for the service in XX/XX/XXXX, right away I could not get into the system to authenticate my account. I called the customer service numerous of times, to have this corrected. I called XX/XX/XXXX to have the service canceled. The rep stated that I wasnt charged for XX/XX/XXXX and there shouldnt be an issue. I noticed XX/XX/XXXX that I had not received my refund back and tried to contact them again. I sent numerous of emails through their site, trying to get this issue resolved. When I finally got through, the customer service rep had me on hold for an hour and 40 min only to be transferred and hung up on. I recently notice that I have been getting charged XXXX once a month, but when I call could never get ahold of anyone. I finally get in contact with someone XX/XX/XXXX regarding my refund. I spoke with XXXX, she is supposedly the only floor supervisor in the company. First, she stated the company does not refund money, I told her my issue and she stated that they will refund me one month, I then demanded that I receive a full refund because I canceled in XX/XX/XXXX and the funds were still being taken out of my account. Besides that, their system does not work, I was supposed to be able to use their site to view my credit report. She stated that she will refund me three months and that she could not see XX/XX/XXXX. I stated there should be someone there that can see XX/XX/XXXX and there should also be a way for them to look at my account and see that it could not be used do to their system due to the authentication issue, after about 20 minutes of going back and forth with this lady stated that she could only refund me 90 days back and if I didnt like it I can do the survey and hung up on me. After the survey if you stated that you do not believe you were helped the call is transferred to some that could further help. I was on hold for an additional 20 minutes before I decided to just hang up. I should be refunded a total of {$140.00} because the system never worked, but I only asked for XX/XX/XXXX XX/XX/XXXX {$110.00}, the young lady stated I would only get XXXX and thats all she can do, only to really get an email with a refund of only {$29.00}. The company is scamming consumers out of their money, they are charging for a service that I could never use. I would like my entire refund of {$140.00}, since I was already refunded {$29.00}, I should receive an additional {$110.00}. This company should not be able to conduct business if they can not provide the services they are charging people for.
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

My mortgage # XXXX held by XXXX XXXX was sold to Wells Fargo on or around XX/XX/XXXX. Wells Fargo has assigned # XXXX to this loan. 

I made my XX/XX/XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX. Wells Fargo is demanding that my XX/XX/XXXX payment be sent to them. For some reason, XXXX XXXX and Wells Fargo can not communicate between themselves to straighten this out and I do not feel responsible for this problem. 

I had nothing to do with the sale of my mortgage to Wells Fargo. In fact I am not happy to be doing business in any form with Wells Fargo due to there record of unethical dealings. I do realize that I have no control over the transfer of this loan. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments have been accepted by Wells Fargo. The outstanding issue is the proper crediting of my XX/XX/XXXX mortgage payment.

Please help. I am an old angry widow and have no patience with this nonsense.