davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I owned a rent house in XXXX XXXX, CA that was sold in XX/XX/2018. The water company, XXXX XXXX was paid what they were owed prior to my leaving the United States on XX/XX/2018 and I am now living in XXXX XXXX. 

The water company wrongly sent me to a collection agency for a debt I did not own when the service was for XXXX when I no longer owned the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The account was closed paid and o balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
Consumer complaint received 2019-02-27
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. (GA)

I had contacted Transunion by phone on XX/XX/2019 to inquire why my score had dropped by 10 points. I was advised by XXXX XXXX that two of my credit card issuers had reported incorrect information on my credit report. XXXX XXXX stated that I should call the credit card companies and request that they report the correct information. My dispute nor my complaint was regarding balance details. 

The first credit card company XXXX XXXX XXXX had reported that a payment had not been made as of XX/XX/2019, and an available balance of XXXX. I had paid XXXX on XX/XX/2019 and the balance owed is currently XXXX, with an available balance of XXXX. I called XXXX XXXX XXXX and spoke with XXXX XXXX and asked that the report to Transunion be upgraded to reflect the correct information. 

I then called XXXX XXXX Bank and spoke with XXXX XXXX to request that Transunion be updated as well to reflect the correct information, and I was also informed of a card limit increase from XXXX to XXXX, and that XXXX XXXX submits its report on the XXXX of each month. My complaint is to challenge the payment history that is showing up that one account was late and both card company balances were incorrect. The following day on XX/XX/2019, I received another alert from XXXX   XXXX and XXXX XXXX that my score dropped again and I have a negative payment history from Transunion. 

The only activity on both cards is that I am paying them on time and before the due date each month. I called Transunion again to ask how my score went from a XXXX to a XXXX because of incorrect information. I was advised by XXXX XXXX that because I have two bankruptcies on my credit file that are over XXXX years old that is whats affecting my score as if I filed it 30 days ago. 

I am trying to rebuild my credit, but this apparently will not work if someone at Transunion keep using the Bankruptcy against me every 30 days not and looking at my payment history or card balances.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

The account was closed paid and XXXX balance but it continue to report account as late and it keeps affecting my credit report. Each year it places a annual fee and if I don't pay it is shows late. Even thru I am not able to use the account. I have disputed the accounts several times but it keeps coming back account verified. I tried to send a cert letter to address know to system but it was returned attempt unknown. I really need help because it keeps dropping points on my credit report and I am unable to apply for credit and its not my fault.
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: Experian Information Solutions Inc. (CA)

Experian is currently and still reporting an inaccurate account on my credit report. 
They refuse to allow me to submit another dispute because of a previous dispute on same account 5 months ago. the issue was never corrected then and it still remains now. this account listed by XXXX XXXX XXXX XXXX XXXX, First Reported XX/XX/2011 needs to be removed for the following : Student Loan Account Info Is Incorrect
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian requires me to send proof that a collection was paid off by submitting documentation to the www.experian/upload. 
the site does NOT work, i have tried multiple times, addtioanlly Experian will not allow me to dispute online either.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MS)

XXXX of 2015 I purchased a XXXX XXXX from XXXX with a Barclay credit card. It had a 18 month no interest offer. So I made more than the minimum payment knowing I probably wouldn't pay it all off in 18 months but that I'd get it paid down. During that time I had used it for other items but always made payments. 

When the 18 month promotional period I was charged {$610.00} in interest. From that point until today my interest charges have ranged from {$61.00} to {$51.00}. So for over 3 years I've paid more than {$2400.00} in interest on a {$2000.00} credit card. My payments went from {$38.00} to over {$80.00} a month for something as little as a {$610.00} increase. They not only tacked 100 % of the interest, then they increased the interest. 

When I called about it I was treated like I was a XXXX and that I should have known how interest works and that's it's too late. If I don't make a payment they'll ruin me. 

I truly feel like I've been frauded and taken advantage of. This is OVER and above what a company should be allowed to do. I have copies of every statement that I can provide upon notice.
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: Experian Information Solutions Inc. (WI)

I have called on sereveral occasion, XXXX XXXX XXXX  would not fix the problem. They illegally charge off on our accounts after filing for section128-21 in the stat of Wisconsin. I spoke with there collection dept 2 days before they sent it to a collection agency.they agent told me they did not agree to the court order. And did not have to follow the Wisconsin law.he told me every state is different. I live in Wisconsin and was given the card in Wisconsin so they have to follow the law.payments were made to credit on per our court order in XX/XX/2018, XXXX XXXX and XX/XX/2018 Thur the trustee. They charged of the account after the payments were made. They sent the accounts to XXXX XXXX and broke the law. We filed XX/XX/2018. And all the creditors were notified. They need to remove our accounts. They were paid by the agency.this company has a lot of complaints and should be closed. They take advantage of people.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

I have been a credit card customer with Citibank with an ontime payment history for 35 years. I lost my card while traveling internationally on XX/XX/XXXX. I immediately reported the loss on XX/XX/XXXX and confirmed with a second phone call on XX/XX/XXXX. A payment on my account was due on XX/XX/XXXX, which I made by phone in the amount of {$450.00}, which was acknowledged by Citibank with a reference number of XXXX. On XX/XX/XXXX, I received an email from Citibank with the subject of " You Missed Your Payment Due Date ''. A late fee of {$25.00} was charged to my account, along with interest on the full balance of the account. Bank records showed my payment cleared my checking account on XX/XX/XXXX, and Citibank was in receipt of those funds. I spoke with Citibank immediately on XX/XX/XXXX regarding the missed payment notice, and again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to Citibank, since the lost card was closed and another one opened, they are having difficulty applying the payment to my account, even though they acknowledge that Citibank has received my ontime payment. Apparently, phone representatives can not see the payment, but supervisors can see it with some additional investigation. I have been told repeatedly that my account will be credited and will not be listed as past due, but the payment still has not been credited, and my account is now listed as 15 days past due.
Consumer complaint received 2019-02-27
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: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX I received from XXXX XXXX  ( now XXXX XXXX ) an offer to upgrade my XXXX XXXX credit card to the new XXXX XXXX XXXX XXXX Card. The advertised offer was if I would upgrade to the new card I would receive XXXX points added to my XXXX XXXX account after my first purchase completed by XX/XX/XXXX. I then attempted to do the upgrade through the email on their " Upgrade Now '' button. It would not work, and I tried multiple times. I then called in to XXXX/Chase ( bank that issues the XXXX cards ) and did the upgrade over the phone. I verified with the man I spoke to that I would indeed get the XXXX points doing this over the phone. He assured me that I would. Once I received the new card in the mail I made two purchases. The first on XX/XX/XXXX for {$16.00} and the second on XX/XX/XXXX for {$46.00}. Thus meeting the requirements to earn the reward. On XX/XX/XXXX I was given a bonus of XXXX points. I never agreed to upgrade for XXXX points. The annual fee on this card is more than what it was on my old card and I was not interested in upgrading for only XXXX points. Therefore, I would have never accepted that offer. Once I saw this I called customer service and spoke to XXXX on XX/XX/XXXX. She told me they posted the XXXX points on XX/XX/XXXX and should post the additional XXXX points after the next billing cycle ( XX/XX/XXXX ). This never happened so I called customer service again on XX/XX/XXXX and spoke to XXXX. He stated I received incorrect information from XXXX, and said he would submit to his marketing department and see if they could add the additional XXXX points. He also told me the upgrade link didn't always work for their customers, so evidently this has happened to other people. He stated I would get a letter in the mail which I did on XX/XX/XXXX. This letter came from Chase Cardmember Service. The gist of the letter was that I was eligible to earn the XXXX bonus points, and the points would post in six to eight weeks. Again six to eight weeks have passed and they still have not posted. So on XX/XX/XXXX I called again and spoke to XXXX who supposedly escalated the issue to get the points added. As of this date I still have not received the points that should have posted in XX/XX/XXXX. I feel that this is false advertising. I have been a XXXX card holder for several years, and a Chase customer for even longer. I am very upset with the bait and switch that has taken place, and the lack of follow through on XXXX and Chase 's behalf. I'm hoping that this last appeal does something to bring this to their attention and get this corrected promptly.
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: EQUIFAX, 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 2019-02-05
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. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX   XXXX and XXXX   XXXX XXXX  XXXX XXXX
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: EQUIFAX, INC. (GA)

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 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CA)

We are a real estate company representing a couple who are experiencing a financial hardship and can not afford to keep their home. They have two mortgages on the house, the first mortgage is with XXXX XXXX to whom they owe {>= $1,000,000}, and the 2nd lien holder is with PNC Bank to whom they owe {$190000.00} for an equity line. We submitted an offer for {$800000.00} and were approved for a Short Sale with the 1st lien holder on XX/XX/XXXX. They are paying for all taxes, escrow fees, commissions and paying {$6000.00} for the 2nd lien to be released. PNC Bank is not accepting the {$6000.00} as they want a minimum of {$100000.00}. We have tried negotiating with them sinceXX/XX/XXXX as we do not want the home to go to foreclosure but it has all been in vain. We have lost several offers due to them not willing to come to any terms and automatically close the file as soon as we submit a new short sale request. We don't believe that PNC Bank is negotiating in good faith and is neglecting to cooperate. It is customary that, regardless of the debt, 2nd lien holders get up to {$6000.00} which is what they are being offered. We currently have an active offer for {$900000.00}, we do not want to loose the buyers after all the work that has been done to help our clients avoid foreclosure and this is why we are turning to you for help as you are our last resource.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Called Wells Fargo 's XXXX  number they told me, instead of depositing check at teller, I can deposit in ATM, and it would be treated the same. 

Then Wells Fargo did not treat it the same and charged me a {$12.00} fee. 
Wells Fargo Acc # XXXX. Deposited check in ATM on XX/XX/19. This was the last date it could be deposited. Wells Fargo apparently has the practice of treating an ATM deposit as actually deposited the next day. And so on XX/XX/19, Wells Fargo treated the check as deposited on XX/XX/19, one day late, and charged the account {$12.00} fee. 

Wells Fargo should not have told me an ATM deposit is treated the same in every way as a teller deposit. It should have told me it treats the ATM deposit as occurring day later than a teller deposit. If I knew so, I would have made deposit at teller instead of at ATM. 

I was wrongfully charged this {$12.00} fee.
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: Experian Information Solutions Inc. (GA)

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 XXXX XXXX XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (FL)

They are calling my parents home where I have not lived at for over 14 years repeatedly from XXXX-XXXX none stop. My parents have told them various times that i do not live there and they have continued to call from different numbers at all hours of the day.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Waypoint Resource Group, LLC (CO)

Waypoint Resource Group allegedly bought a debt that I " owed '' ( I do NOT believe I owed XXXX any money as I KNOW I paid everything upon terminating service and returned all devices! ) HOWEVER, Waypoint JUST bought the " debt '' WHILE my wife and I were/ ( still are ) under contract to buy a BRAND NEW HOUSE. This " debt '' literally just appeared out of nowhere and knocked my score back nearly XXXX points! Why? Oh, because it says " time since delinquency is too recent '' " length of time since collection is too short '' - UM HELLO? This was nearly seven years ago AND I HAD NO IDEA I OWED THIS MONEY. But what did I do? I IMMEDIATELY PAID IT. And did my score go up? NOPE, because they updated to show {$0.00} balance AFTER I PAID MONEY I DIDN'T OWE, even though they told me they would delete from my credit report!! NOW OUR MONTHLY HOUSE PAYMENTS ARE GOING TO BE AT LEAST A FEW XXXX DOLLARS MORE PER MONTH, BECAUSE OF THIS ONE SINGLE ***PAID OFF*** COLLECTION!! SCAMMERS, DISHONEST PEOPLE.It wasn't even that much money! So rotten. How do they sleep at night??
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Was hospitalized for an extended period In late XX/XX/XXXX-XX/XX/XXXX due to auto accident. Former friend used some of my credit accounts without my consent or knowledge. Police report filed. He was convicted of theft. I was not held responsible by other creditors as it was through fraud and theft. I have resolved all issues with other creditors that were likewise defrauded. I have open and in good standing with Capital One to this day. The erroneous reporting concerns two old accounts I formerly had. I have contacted Capital One and the reporting agencies. Capital One long ago ceased any collection activity and issued me new accounts. But my credit report still shows these two negative accounts, much to my detriment.
Consumer complaint received 2019-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I was attempting to call XXXX XXXX app and XXXX the XXXX number, called XXXX and was a victim of phishing. They asked for information and gained access to my XXXX XXXX app account. My XXXX XXXX App was compromised on XX/XX/XXXX. I notified XXXX XXXX App and my bank of the breach. An investigation was completed by XXXX XXXX App indicating my account had been compromised and that I should contact my bank to expedite a refund of monies unauthorized. My bank denied my dispute indicating XXXX XXXX App would be responsible for refunding my money on XX/XX/XXXX. I contacted XXXX   App to again refund my funds totaling approximately {$5000.00}. To date I received a response via email, as XXXX App has no live phone support advising my file was being forwarded to the disputes department and someone would be in contact shortly. I have yet to get a response. I have been without my money for 10 days now and this is unimaginable as a mother of XXXX children. My entire account was wiped out.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars
Consumer complaint received 2020-08-27
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. (MI)

XXXX XXXX opened XX/XX/16, {$610.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXX {$9800.00} These collection accounts do not belong to me.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

All three credit bureaus, Transunion, XXXX, and XXXX  are reporting false and inaccurate information about a public Record Bankruptcy on my credit report. 
Each Bureau does not report The Status, the Date Paid, the amount, or Plaintiff. The Court number is inaccurate. It shows no accounts included in bankruptcy. Some show no discharge date or inaccurate discharge date. 

I sent several letters to clear up this matter with them saying the information is accurate but they Have not provided me who they verified this information with. The courts themselves do not furnish this information to any credit Bureau or any third party agency.