davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (DC)

Hello, On XXXX XXXX, 2016, I applied and was approved for an American Express XXXX Card, which included a XXXX point bonus after spending {$10000.00}. On XXXX XXXX, 2016, I completed the spending requirement and was awarded the XXXX bonus. On several different dates over the next several months, I attempted to transfer points out of my account to various airlines. However, each time I was given an error message and told to call American Express. Each time I was told my account was " under review '' as I had recently completed a bonus award and those points " had to sit in my account '' for a certain period of time but I was never given a definite date the points would be available. Most recently, on XXXX XXXX, 2016, I once again attempted to transfer points out of my account and was given the same error message and the same explanation when I called American Express. However, this time they promised my points would be available for transfer on XXXX XXXX. Today, XXXX XXXX, I once again attempted to transfer points and once again when I spoke to American Express they said they would have someone look into it and call me back. This is unacceptable and a practice I 've heard they are doing to many others as well. 

Thank you, XXXX XXXX
Consumer complaint received 2020-06-22
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: ALLY FINANCIAL INC. (GA)

on the date of XX/XX/2020 there was an inquiry made by Ally Financial on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC (CA)

On XX/XX/2020, Carvana pulled my personal credit report without my permission. This " hard inquiry '' caused my credit score to drop 18 points. I called Carvana and asked them to remove the inquiry and they refused, even though they agree the credit inquiry was done in error. They stated I need to contact XXXX  to dispute the inquiry and they would support the dispute. When I contacted XXXX, they stated Carvana needs to contact them directly to remove the inquiry, that I can not dispute an inquiry. Both companies are pointing at each other, in the mean time, my credit has been significantly impacted.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

This company is reporting 1 item to my credit that are not mine. This must be a result of fraudulent use of my name. I have tried to work and explain that to them and they continue to report on my credit a clear violation of FCRA and violation of FDCPA for attempting to collect on a debt that is not mine. I only have the last four of each account. I only have XXXX as an identification number the account they are passing as mine.
Consumer complaint received 2016-11-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

Due to financial problems and after exhausting all savings and annuities, and after being denied an equity loan, we contacted Wells Fargo Home Mortgage to refinance our home loan on XX/XX/XXXX. We 've owned our home since XX/XX/XXXX. We were advised to submit a " Loan Modification '' contract instead of refinancing our original loan. On XXXX we completed all the paperwork and their " specialist '' explained the program. We would not need to make a mortgage payment until XX/XX/XXXX. And the modification trial period would last 4 months. And then on XX/XX/XXXX a new 30-year mortgage would be issued. We have reason to believe we have a case of " Dual Tracking. '' Since we began the process, we began receiving letters, at least one a week, from Wells Fargo to inform us our mortgage was in default. Our mortgage has never been in default. With each letter received, my husband would call them. He has asked them repeatedly why the foreclosure threats when we are on the loan modification program. None of their answers make any sense. We have received one letter through certified mail and then today a person " hand delivered '' another letter asking us to call and discuss our possible foreclosure. Each time we speak to them, we get nowhere. On XX/XX/XXXX the new mortgage loan amount was debited from our bank account, just as planned and promised. Then today we get the hand delivered letter requesting us to call them. So my husband called them. Today 's call revealed that the Mortgage Foreclosure Dept does not what the Loan Preservation Dept is doing. We feel harassed and fear we may loose our home. I learned of your website on the XXXX XXXX XXXX, reporting how a couple lost their home after going through a loan modification.
Consumer complaint received 2020-06-22
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. (IN)

today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at XXXX XXXX or XXXX. Equifax requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX that has affected my XXXX.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: PNC Bank N.A. (MI)

PNC does not allow their customers to share their financial date with third parties such as XXXX and XXXX even when consent has been given. The banks practice of not sharing information such as account balances and purchase history regardless of consent and consumer request, makes customers ineligible for cash advance services which are especially important in this pandemic when families need that breathing room between pay periods. I reached out to PNC to address this issue but have received no response and the practice of withholding consumer financial information is still currently in use. I am making a final complaint through consumer finance to see if PNC will change their policy. If not, I will be forced to bank with another institution whose actions reflect the best interest of their customers.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NATIONWIDE ACCEPTANCE LLC (AZ)

Nationwide Acceptance 's website says I owe a certain amount of money significantly less than my monthly payment. They acknowledge their website is wrong and says it does not calculate interest correctly when overpaying the monthly loan amount. Then the debt collection phone calls started, where 80 % of the calls came from blocked numbers ( says No Caller ID ). I have been hung up on and told the phone calls will not stopped. Additionally, when trying to resolve the issues and be current, I called two days before the next payment was due to fix the issue and they choose to only disclose the amount I owed for one month instead of two ( due to their errors on the website ). Later, still trying to fix the problem and be current, I was told there were little notes on the discussion and I was mistaken. When talking to an actual branch in Nevada ( different from their collections office located in Illinois who never returned my call ), when I told them about the blocked calls they denied ever doing it and their legal team is big and welcome complaints.
Consumer complaint received 2021-05-07
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2019-03-23
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: DISCOVER BANK (CA)

Purchased item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX on XX/XX/XXXX, item was marked delivered on porch and released by driver. I had not authorized XXXX to release the item at it was on their discretion to allow their carrier to do so. Contacted discovered initially on XX/XX/XXXX after I noticed the item had already been delivery, but I did not receive the package and wanted to start a dispute. Received noticed on XX/XX/XXXX from discover stating that the case was resolved in merchant favor and I should have received noticed via mail along with documentation. Called discovered on XX/XX/XXXX at XXXX and talked to a representative by the name XXXX , she stated that I should have received documentation via mail, but confirmed that discover failed to sent out the set of documentations and she would escalate the case again. On XX/XX/XXXX via the discover portal I was notified that the dispute was resolved in merchant favor even though the documentation was barely readable and still noted that the item was left at porch and released by the driver. No new information was provided by XXXX.
Consumer complaint received 2020-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Patenaude & Felix A Professional Corporation (NV)

I received a bill in the mail from Patenaude & Felix Collections to try and settle for a debt that was originally owned by XXXX XXXX ( original creditor ) that was reported negatively on my credit reports with XXXX, XXXX, and XXXX. I am a victim of identity theft and I do not recognize this alleged debt of {$1500.00}. I am disputing the validity of this debt that Patenaude & Felix now has. This alleged debt does not belong to me. I am requesting for Patenaude & Felix to " Cease & Desist '' all contact and communication with me.
Consumer complaint received 2020-04-27
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. (MN)

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-03-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

To whom it may concern, I am writing to complain about Citi bank and their lien release department. Here is my problem. In 2011, I bought a home that was in foreclosure. The property is XXXX XXXX XXXX, XXXX, Texas XXXX. Now, I would like to sell this home, and I have a buyer who has given me a fair offer. However, I can not get a clear title on the house so the sell can be completed because of a lien the previous owner had on the property. I don't have the loan number because it was my loan. I did not take a loan to buy this house. I paid that loan off and own the house free and clear and hold the deed. The title company has been calling Citibank for weeks and is only getting automated responses. I have tried to call and speak with a representative only to be told that they can't help me, can't give me the number to lien release department, that there is no manager that I can speak with, and that they do not have an office of the chairman with whom I could file a complaint. I have called the county courthouse where the house is located and the county clerk confirms that they have received nothing from Citi bank. So I am about to loose the sale of a house that I own outright because of a lien under someone else 's name, and Citi bank has been utterly negligent and unresponsive in this matter.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

I 've been contacted by Midland funding collection agency on behalf of XXXX in amount of {$1700.00}. This debt is from 2011. I remarried cancelled contract with XXXX to transfer over to husbands phone carrier. Midland funding nor corporate XXXX will provide contract and itemized bill. Will only provide a brief summary of what is supposedly owed. I have contacted an attorney and have them on retainer. I 've been going back and forth with the collection agency and they stated they do not have these documents from the creditor. It 's my legal right to see the contract and itemized bill not a summary of which looks like my XXXX old could have drafted. Please help as I want this removed from my credit report all XXXX bureaus!
Consumer complaint received 2020-03-23
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. (CA)

XXXX XXXX, a financial institution mortgage servicer, has contracted a law firm to abuse a homeowner/borrower/debtor/plaintiff into submission and out of a good complaint where the financial institution is in receipt of homeowners funds, by mistake, in excess of what was accurately billed and had no good cause to retain. The outrageously false statements in XXXX XXXXXXXX XXXX   response to complaint XXXX, dated XXXX XXXX, is only one example. THIS IS A SERVICING RELATED ISSUE. 

Please see attachment exhibit b in complaint # XXXX. The XXXX XXXX XXXX  never returned a single call of the plaintiff or attempted contact by phone. The plaintiff has a record of numerous calls to the XXXX XXXX  XXXX. There is no record of any calls from the XXXX area code to plaintiffs only contact phone number XXXX within the dates XX/XX/XXXX to XX/XX/XXXX. This is a requirement in California Civil Procedure designed to bring litigating parties to find resolution to a complaint and not burden the justice department 's resources. California Civil Procedure 430.41 ( a ) Before filing a demurrer pursuant to this chapter, the demurring party shall meet and confer in person or by telephone with the party who filed the pleading that is subject to demurrer for the purpose of determining whether an agreement can be reached that would resolve the objections to be raised in the demurrer. If an amended complaint, cross-complaint, or answer is filed, the responding party shall meet and confer again with the party who filed the amended pleading before filing a demurrer to the amended pleading. 

XXXX  XXXX XXXX  intentionally violates this procedure to inflect distress and frustrate the plaintiff/homeowners attempts to recover his funds. In addition, XXXX XXXX 's reluctance to correct a XXXX problem is further frustrating the plaintiff 's recovery to harm in creditworthiness reflected through the CRAs. 

Please see XXXX XXXX reporting of 60 days late in XX/XX/XXXX to XXXX  and other CRAs. Why is there no 30 day late reporting in XX/XX/XXXX? XXXX XXXX is manipulating a XXXX problem and further frustrating plaintiff 's efforts in financial recovery and correcting wrong reporting by accruing additional wrong reporting. 

The plaintiff/homeowner has submitted payments through the XXXX XXXX automated phone payment system in the past with the best results of accurate and timely receipt reporting. The plaintiff/homeowner does not want to mail any remittance that is constructively received within 30 days, but reported 60 days late by XXXX XXXX. 

The homeowner/borrower continues to experience significant and material negative financial impact from this abusive conduct and has now suffered permanent financial impairment.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

During this time of COVD my hours at work have been reduced which means my paychecks are reduced. All other financial companies have been very sympathetic and have deferred payments on credit cards, even my car payment. 
I have been calling Citibank since last week. I was able to get through to customer service once and was told Citibank will not be offering payment help during this crisis. I tried several phone contact numbers being left on hold waiting for next available representative for over an hour holding and then disconnected. 
Today I am on hold right now for 2 hours+ 9 ( still holding ). 
I am curious if there is a regulation in place to help out in my situation? I am sure I am not the only consumer going thru this. And this is so disturbing that I am having to go this route at a time when we are all unsure of our future. 
Please assist if possible. 
I have my phone log of dates and times of calling.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I am reporting predatory business practice by Bank of America, Alaska XXXX credit card. I have had the same card in the past and experience the same practice but was working, and it was easier to pay it versus fight it. Now I have encountered the same predatory practice and am filing a complaint because I can not afford the charge. 
I contacted XXXX XXXX XXXX on XXXX/XXXX/2016 informing them I wanted to stop automatic charge to the above credit card company informing them of the plan to cancel the account. I requested paper billing and they agreed. At that time I also pointed out a discrepancy in the agreed monthly charge and they made the adjustment. 
I then contacted Bank of America on XXXX/XXXX/2016. I explained about my recent XXXX and my desire to pay the balance including any charges accrued up to that date. I gave them my checking account information and paid the amount stated which was {$4200.00}. I told the person I did not want to receive a bill later with some charge as was my experience in the past. I was told I would not, as the amount due was complete. 
The next month I received a bill from Bank of America stating XXXX XXXX XXXX had charged the monthly fee and then an interest fee of {$41.00} was added! I called Bank of America and informed them of the failure of both companies to do what they had agreed to do. The person told me to contact XXXX XXXX XXXX. I tried and was placed on hold. 
On XXXX/XXXX/16 I receive an email from my credit protection services informing me Bank of America had made a negative notation on my credit report. I received a bill from Bank of America recently with the " interest '' charge of {$41.00}. It 's interesting to me they charged this amount after the account was closed based on a non-authorized charge from XXXX XXXX XXXX. The charge from XXXX XXXX XXXX had been removed. 
I am very upset. It is known, many people who work full time do n't have the time to dispute fraudulent charges and go ahead and pay these type of charges resulting in millions of dollars in profits to these companies. I am now XXXX, can not afford to pay for this fraud and will not.