davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-26
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. (CO)

CITI Card recd two payments approx {$4500.00} and {$4800.00} back in XXXX of 2018 from a ID theft Citi purposely added the balances to the card instead of deducing them After approx 45 days the payments were reversed for some reason Citi will not furnish any info as to routing nos acct nos etc so I can file police report They have tried to correct the balance but the bal is still showing approx. {$8400.00} and it should be around {$3800.00} In the mean time they are still reporting the bal Fraudulently Citi has agreed that that they have a breach of security and to do further damage they have added the {$4500.00} and the {$4800.00} to the bal again bring the bal now to over {$17000.00} It is obvious that I have not charged anywhere near these amounts to the card I have made all payments as required except the last two XXXX and XXXX due to there lack of concern I have constantly complained to Citi with no response There are some fraud charges to the card that have not been addressed to date
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I located a XXXX post for an upcoming XXXX XXXX game and texted the seller about the tickets on Saturday, XX/XX/2019. 

- His original cell phone number was XXXX. 
- The offer was for 4 tickets, {$90.00} each. Total of {$360.00}.

- The agreement was for the seller to transfer 3 of the 4 tickets to my XXXX account first, then I would send payment, then he would send the 4th ticket to complete the transaction. 
- I received an email from XXXX at XXXX that 'XXXX XXXX sent you tickets ' - The transfer was complete and I had 3 of the 4 actual tickets in my XXXX account - Then the seller asked if I can pay with an app called XXXX. My bank, PNC Bank, is integrated with XXXX so I felt comfortable using it at the time. 
- The seller sent a payment request to my XXXX account from XXXX XXXX ( XXXX ) XXXX ' for the {$360.00} payment we agreed upon. 
- I accepted it, and the seller told me I would have the 4th ticket soon as he was transferring it. He never did. Stopped responding to text messages, calls, etc. 
- I received another email from XXXX at XXXX telling me that the tickets which were transferred into my account were fraudulent.. " Unfortunately the original tickets were obtained fraudulently and the original order was cancelled which means the tickets transferred to you are no longer valid for the event '' - I called my bank, PNC Bank, at XXXX to put a stop on the payment to XXXX since it was still pending. They instructed me that because it was still in flight, I had to wait until it posted for them to do anything about it. I was told to call back on Tuesday morning. 
- I called back Tuesday morning, and PNC told me there was nothing they could do.
Consumer complaint received 2019-02-05
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 — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (AZ)

American Honda Finance Corp is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact American Honda Finance and all 3 credit bureaus about the inaccurate payment history on my account.
Consumer complaint received 2019-02-28
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: CITIBANK, N.A. (FL)

XXXX has been non-compliant with removing the unverified account BESTBUY/CBNA Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BESTBUY/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holst & Boettcher, LLP (CO)

Went to county court on Thursday XX/XX/2019 and satisfied the debt owed to XXXX. through attorney 's representing XXXX ( XXXX , XXXX XXXX XXXX, XXXX ) located in XXXX, CO. according to court documentation XXXX owes me {$350.00} in overpayments plus interest, which was taken from check dated XX/XX/2019. I have yet to receive. Attorneys claim not having my current address, which is, my current address : XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX.
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (FL)

Hello, My name is XXXX XXXX and I have been paying XXXX XXXX XXXX for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that XXXX was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that XXXX said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that XXXX was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my XXXX login information.
Consumer complaint received 2019-02-26
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. (UT)

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I recently submitted a complaint, XXXX, against Wells Fargo for overcharging me for flood insurance and they just increased the amount again before the original complaint was resolved. This certainly appears to be retaliation. My mortgage payment per the original contract is {$1500.00} and they now want {$1500.00}. That is a lot more than the {$9.00} per year in the initial bill. I don't understand how they are allowed to continue in business with their well documented history of mistreating customers.
Consumer complaint received 2019-02-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (TX)

Will not provide payoff instructions letter to purchase car at end of lease via other lender. They will only provide the information verbally. They can't generate a payoff letter. Want me to just mail a check for $ XXXX to an address they give me over the phone and wait and see. Trying to make me go to the dealership and have them process so they can sell me on a new lease. Spent hours on phone with them and got different addresses and instructions from different reps. File attached is all they would send me, just the amount and no details on how to pay the amount.
Consumer complaint received 2019-02-06
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: Experian Information Solutions Inc. (IN)

I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by Experian in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.
Consumer complaint received 2019-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have asked the Equifax, XXXX and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

XXXX  : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

Equifax : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Consumer complaint received 2019-02-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked the XXXX, XXXX  and Transunion to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : TransUnion : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

XXXX  : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

XXXX : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Consumer complaint received 2019-02-26
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. (TX)

I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( XXXX XXXX ). Ive made an agreement with XXXX to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to XXXX XXXX. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being XXXX stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that XXXX XXXX increased the amount and not deleted it. I tried contacting XXXX  in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, Transunion, XXXX, and XXXX Credit Bureau informed me until XXXX XXXX sent something to them the charges will not be removed. Please assist!
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NE)

This is about Equifax Credit reporting. I have tried to get my report from Equifax 3 times now and I keep getting the same message ( I can not get my report online ) they want me to send documents to them proving my identity. I have had no problem with XXXX XXXX or XXXX and have been able to get my reports from them. I am sure the problem comes from my disputes with XXXX. They had all kinds of things in my report that affected me very badly concerning job applications being refused. I am an honest person, I do not have a perfect background, however, I own up to my mistakes of the past and do not need any more derogatory items on my report. When I questioned XXXX as to where they ascertained the information they had, I was told it came from Equifax. I am XXXX years old all I am asking is for the information on me to be reported correctly. This is just getting very old, I am tired of defending myself. I am a nice person, I only want to be treated fairly. If it is so hard for these companies to be responsible for reporting information correctly maybe it is time to sue them and let them know this is not a game and people deserve not to be slandered. 
Thank you for your help. 
XXXX XXXX XXXX XXXX Bless America
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (OK)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX and XXXX XXXX   XXXX.
Consumer complaint received 2019-02-27
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. (CO)

I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1, paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

My home mortgage was transferred/sold to Rushmore Loan management on XX/XX/XXXX, account number XXXX. I was with XXXX XXXX XXXX until then. I was approved by XXXX XXXX XXXX  for a 6 month forbearance, as I am a XXXX XXXX and was furloughed, is the reason for the forbearance. My forbearance was from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I am to pay {$3600.00} to bring my loan current. Rushmore states they are not aware of any forbearance and stating they are not aware of my forbearance. I faxed and mailed them a copy of my forbearance approval on XX/XX/XXXX. Today someone put a notice on my door that the mortgage payments for XX/XX/XXXX and XX/XX/XXXX are due. I called Rushmore on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX. At each call I explained my forbearance circumstances. They continue to state I must make all payments to bring account current and ignore my forbearance. They are stating foreclosure will proceed if payments are not brought current. Can you help me. Thank you in advance for any assistance.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

I continue to have a problem with mailing in deposits at a branch. I am sick-in-tried of this happening on several occasions. I called the customer service department and was told that the check came in at XXXX XXXX The branch did not post my deposit until XXXX XXXX. 
This seem to be a continuous action by this branch office. I have closed one account and plan to close my other account as soon as I pay off the overdraft credit line of {$500.00}.
Consumer complaint received 2019-02-05
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. (OK)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX/XXXX XXXX
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my Capital One Credit Card account.

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX  with no successful resolution. XXXX, and TransUnion only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (IA)

Citibank Home Depot responses To claims made are false. Action we have has resulted damage as payments not recieved late payments and interest payments are damaging to my good credit payment status with this company.

What they have done to me is threaten to report me to credit reporting agencies to hurt my good standing. Continue their abusive phone calls for collecting monies not owed to them because they failed to correct their failure to process payments recieved as in documents attached in this new complaint They know they have been in recite of Payments. Now a pending dispute is in process against Citibank for the monies They claim they did not recieve
Consumer complaint received 2019-02-05
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. (FL)

To whom it may concern, I have asked and wrote a letter to Experian and XXXX  on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 to investigate the medical accounts being reported and have asked for the proof showing that XXXX XXXX  XXXX  has my consent to report my medical information in accordance with HIPPA laws, and nothing was shown to me to date. I have asked for more information because this account was reported without a proper investigation and was reported without complete information. Also, this account has been damaging my credit report for so long and I needed help from your agency to sort this out. 

I am looking forward that your agency would help me and get Experian and XXXX  more involved in investigating this account. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ameritech Financial (PA)

AmeriTech Financial charged me money and said that they were helping pay off my student Loans through XXXX, but none of the money actually went to my loans. AmeriTech Financial was keeping the money for themselves, and I can not afford that. 

" Last year, the Federal Trade Commission ( FTC ) sued Ameritech Financial, a company that promised to help customers save money on their student loan payments. The FTC claimed that Ameritech made false promises that people could permanently reduce their monthly payments charged illegal upfront fees told people their fees would go toward their student loan balances, which wasnt true The court appointed a receiver to manage Ameritechs affairs. The receiver concluded that Ameritech couldnt operate legally and closed the company for good. '' ( email sent to me by Federal Trade Commission )