davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
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: Experian Information Solutions Inc. (MA)

an account was fraudulenty placed on my credit file by  XXXX  . Below is the account information i have requested a proper verification several times from  XXXX  to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.      XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

I was sent an of fer by American Express for a Delta Skymiles Gold Card i n  XXXX   2017 . I have had this card before but had cancelled due to high annual fee. I applied on-line and was approved immediately. My card came in the mail within a week.     This offer included first year free plus  XXXX  miles after reaching spend amount of {$3000.00} in first 3 months.     After I reached the spend level, I called to find out when my miles would be credited. I actually called twice because they were n't showing up. I was finally told I needed to wait 90 days. I continued to use the card and have spent close to {$8000.00} since enrolling.   The 90 days came and went but still no miles.     I called the company again but this time was told since I had the card before I was n't eligible for the bonus miles. They informed me that this was disclosed in the terms and conditions. I did not see that when I went thru the application process and informed them that regardless why had n't I been told this earlier by anyone I talked to. They informed me that the agents probably did n't look into that level of detail on your account.     I feel like this was misrepresentation and deceptive advertising. I would not have applied for the card or minimally would have stopped usage had any of the agents informed me about this. I feel they let me continue to spend and only informed me when I pressed about the miles.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

The company   XXXX   XXXX   is trying to verify our account and has not done so in a timely matter therefore keeping us from accessing borrowing money from them. They 've been trying to access our account since  XXXX   XXXX  it is now  XXXX   XXXX  and they have the option of us contacting the bank or filing a complaint so that we can be able to borrow the funds.
Consumer complaint received 2017-06-14
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: WELLS FARGO & COMPANY (LA)

I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted XXXX XXXX and XXXX Nobody could help me remove these inquiries that are not mine. Wells Fargo XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof from XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Augusta Collection Agency, Inc. (GA)

Debt Collection Company Augusta Collection, XXXX XXXX ( SP? ) Owner. XXXX For several months we have been receiving automated calls to our home phone. Attempts to press 9 to talk to an agent have resulted in being disconnected or being sent to voicemail. Any response to the automated calls result in immediate call backs from the automated system that disconnect when answered. I have blocked several phone numbers from this company but they seem to be able to circumvent this and manage to get through, I assume they have multiple numbers. All this calls have been for my Mother-in-Law who has never lived here and has been in a XXXX XXXX for several years due to XXXX XXXX XXXX XXXX XXXX. My wife has a POA for her which I assume is how they got our number. We are on the do not call list. Today after receiving another automated call with no response I redialed the number and for the first time a person answered the phone. She immediately started demanding information and I told her until she identified the company and herself I was not going to give her any information. She said she was the owner of the company and asked if XXXX lived here and I said no but she was my mother-in-law and what debt did this concern. Again she started demanding the address and phone number wheremy mother-in-law lived and when I told her until she explained what this was about I was not giving any more information. When I started to tell her I did not appreciate the harassment she hung-up without saying anything. In my assessment Augusta Collections is a third party debt collector using technology and intimidation to get money from frightened or confused individuals. Harassment is their business model with the hope of recouping a marginal percentage of purchased debts. They have no concern or interest in the individual or situation.
Consumer complaint received 2017-07-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Management Recovery Corp. (NMRC) (LA)

This company which I hold no contract with nor have received services from, reported a collection against my SSN in the amount of {$420.00}. They are calling THREATENING to SUE, the calls started on Yesterday and I spoke to a XXXX XXXX who I stated that I was filing Bankruptcy again and will contact my lawyer, however, ALL my BUREAUS are LOCKED and have FRAUD alerts and FROZEN so they ILLEGALLY obtained my information. I Never received any formal communication from XXXX and only asked a question of who they were and why are they calling cause it is my consumer rights
Consumer complaint received 2017-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BB&T CORPORATION (TX)

I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no title.
Consumer complaint received 2017-07-07
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. (FL)

Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Consumer complaint received 2017-07-07
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. (IL)

In XX/XX/XXXX, I closed my Citibank AAdvantage credit card account, having paid the outstanding balance and a {$25.00} late fee as I had missed one monthly statement. Shortly thereafter I received a statement from Citibank, noting the payment but posting a new charge of {$6.00} for " interest charged to standard purchases ''. I called Citibank on XX/XX/XXXX and spoke to a service representative who could not explain why the interest had been charged, BUT denied my request to have it removed from my account. She put me on hold to find a supervisor, but that person could not explain the charge either, nor would they remove the charge. We ended the call, unsatisfied! Since then I have received daily robo calls from a collection agency claiming to be Citibank, leaving a callback number and personal code " to retrieve your message ''. I called once, but there is no option to speak to a human, just a bot which demands personal information - which I am not going to share with a computerized system. These calls are aggravating and a waste of time on all sides.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I called Transunion customer services line to request help from being a victims of their reporting mistake and removing inquiries on my report. The reprensentive was no help to my situation, and would not remove inaccurate information. The credit inquiries are listed below XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

[ 1 ] Good morning - I made a total of 3 calls to Equifax to ask questions about the factors they are reporting are adversely affecting my credit. They have 3 factors that are of the same type : proportion of balance to credit limit too high/amount owed on revolving account too high/loan balances too high. <P/>[ 2 ] I am in the pre-qualification/pre-approval process of buying a home. Lenders pulled my credit, and I got the " Notice to Home Loan Applicant '' that states that if I have questions about my credit score or credit information to contact the credit reporting agencies at the number provided. <P/>[ 3 ] The first problem is that the number given does not give you an option to talk to anyone. It is a number to get the report. If you do n't request one, it hangs up on you. I Googled for another number, XXXX, called it before XXXX XXXX but the auto response said to call between XXXX and XXXX ( no time zone info given ). I called at XXXX XXXX and got the same automated outgoing message. <P/>[ 4 ] I was able to find a 3rd number, XXXX and eventually found someone to talk to. I talked to XXXX who gave me examples of when an account is too high that were obvious. If the credit limit is {$1700.00} and I am using {$1600.00}, that is too high. He could not give me specific answer. Is it 50 %? 55 % 5? When do you know it is too high that you report it as too high? <P/>[ 5 ] I asked to speak to his supervisor. I spoke to XXXX, who also gave me obvious examples ( like with my XXXX XXXX account with a {$360.00} balance with a credit limit of {$2500.00} ). When I specifically requested to know what does Equifax consider too high to report it as too high, she repeatedly said Equifax does n't have the criteria to answer that question. She asked me if I wanted XXXX 's phone number, and I said yes. <P/>[ 6 ] The XXXX number she gave me also does n't give me an option to talk to anyone, XXXX.
Consumer complaint received 2017-07-07
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: CURO Intermediate Holdings (TN)

I 've learned that I 'm a victim of identity theft. I had a loan with The Money Store while I was under wage earner. I learned the loan was refinanced while I was on XXXX. On XX/X/2004 is the date the loan was refinanced. The new company is XXXX XXXX XXXX. IRS brought this to my attention. I pulled my transcripts from IRS, I 've had a meeting with IRS. I need the mortgage interest papers for tax purposes. I also need the information showing my information was refinanced.
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I called the credit card company fifth third bank and explained to them I do n't have an account with them and it 's on my credit report that I owe {$7.00}, and I was told the I 'm in someone else card as a authorize user and I 'm responsible for the dept and was told to fly to another state to there bank and give them my information so the can give me the card holders info so I can track them down and have them go to the bank and remove be from there card XX/07/2017
Consumer complaint received 2018-04-17
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: Experian Information Solutions Inc. (NY)

Experian, XXXX and XXXX attached please find complaints I have filed against two collection agencies who violated FCRA in their response to your investigations of the fraudulent accounts they, XXXX XXXX and XXXX XXXX XXXX, placed on my credit reports on/about XX/XX/XXXX and XX/XX/XXXX respectively, which I disputed but they replied that they had verified the accounts when they had not. As such, in violation of the FCRA, XXXX XXXX AND XXXX XXXX XXXX willingly and knowingly gave false and inaccurate information in their responses to those disputes, in their responses to the disputes I filed against you and them through the CFPB and in their response to the complaints I filed specifically against them through the CFPBs website after their claiming to you that they had verified the accounts when in fact they had not nor can they because the accounts are fraud.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Tried to pay, They did not apply the funds, instead in suspense account I stopped paying when the could not explain this.   All calls directed to call center in  XXXX . I can not understand the people Asked for reinstement quote which I received They can not break down the charges in the escrow portion Gave phone number and said I needed to fax request, which I did, No response I have called them at least 5 times.   I am scared as the house is in foreclosure
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (VA)

I have a XXXX XXXX credit card. With this card loyalty rewards are accrued. I made a purchase of {$480.00} of which I applied {$450.00} loyalty points. The {$450.00} of loyalty point to be applied was displayed on the receipt. 2 of the orders totaling {$100.00} were on back order. The order was placed onXX/XX/XXXX. All the items totally {$370.00} were shipped by delivered byXX/XX/XXXX. I was not notified of the 2 times being of back order. I called the company any they communicated that the loyalty points woudl be applied once the total amount of the delivered items exceeded the loyalty points amount. On XX/XX/XXXX, the first of the 2 back ordered items were delivered in the amount of {$95.00}. The total amount of the delivered items was {$460.00}, which is greater than the {$450.00} reward dollars. The next statement date closed at XX/XX/XXXX and the amount had not been applied. I called several times through process and it was communicated it would be applied in 3 to 5 business days. The credit card company did n't apply the credit and instead charged me for {$25.00} of interest. This I called them and they would not remidate this situation. It is now XX/XX/XXXX. No credits have been applied to my account, and instead they have charged me  interest. This credit card company needs to be thoroughly audited as this is the 4th time i have had to call to get loyalty credits applied. I am sure there are hundreds of individuals getting XXXX out of earned credits and also being charged undue interest.
Consumer complaint received 2017-06-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION (MS)

In the first week of  XXXX  the   XXXX   XXXX   XXXX   called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Since the beginning of my loan I was making payments towards interests for my loan with  XXXX . Later we had a mishap with my credit card and this led to me finding out that my payments were n't going towards the interst as originally planned with them. They charged me interest on top of interest and finally when I get ahold of them they told me  XXXX   and Navient had split up and they split my payments without me knowing and my   XXXX   account was being paid. This led to a drop in my credit and huge increase in student loan. I have managed to settle with   XXXX   but I 'm still paying high interest with Navient due to this. I was never informed or contacted of this situation or these event occurring.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

On Thursday, XX/XX/XXXX, I spoke with XXXX XXXX from the Executive Office of Wells Fargo in reference to the investigation and complaints. <P/>My main concern now is that it took over seven- ( 7 ) months to inform me that the appeal was not even done because Wells Fargo states that it was not received in their office prior to the TWENTY- ( 20 ) days for review. <P/>I submitted a USPS receipt from the certified mail that I sent, date and time stamped onXX/XX/XXXX XXXX the twentieth day ). XXXX XXXX informed me that they did not receive it byXX/XX/XXXX within the twenty day time frame. I informed XXXX XXXX that the appeal was sent within the time frame and she replied that Wells Fargo must receive it by the twentieth day to be reviewed immediately and that it violated their rules if it was sent by the twentieth day. <P/>In conclusion, I believe that Wells Fargo did a bias investigation and worked around the evidence that I have to provide the CFPB with their conclusion.
Consumer complaint received 2017-06-14
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. (UT)

I have sent TransUnion documentation multiple times, more than 60 days ago, regarding identity theft and fraudulent accounts and inquiries on my credit report, including the Federal Trade Commission Identity Theft Report. The FTC Report listed the fraudulent accounts and inquiries. I have also spoken to several representatives regarding this issue. TransUnion has refused to complete the investigation as required by law, and refuses to re move the fraudulent inquiries, stating that they " are not required to remove inquiries and will come off after two y ears. '' Fradulent credit inquiries on my report include :  XXXX  Mortgage,  XXXX  Bank,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Cr,  XXXX  Ca  rd.
_________________ Tracking Number :    XXXX   XXXX ,  2017  :  XXXX  ;
Consumer complaint received 2017-06-13
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (FL)

Met with  XXXX  "  XXXX  ''  XXXX  personal banker a t Wells Fargo   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl. Phone #  XXXX . Went to the bank to get a  XXXX  stamp to make an assignment of a loan to a mutual fund. I was told that I could not get the stamp because the owner of the assignment was not a bank client. I was told th at Wells Fargo could not stamp the document because the person is not known to the bank. This transaction was the purchase of a car, Wells Fargo do es advertise this service to the public and does not state that it is only for bank clients.