davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had a secured card from Fifth 3rd Bank in the amount of {$750.00}. And I paid my bill with my bank debit card with available funds for the full amount. I go about my normal routine and use my card cause, I paid my bill in full. Two weeks later I look at my statement and they said I owed around {$1200.00}. I call the bank and spoke with a supervisor and they said they would fix them. The bank claimed that that the payment got declined and I owed the full amount plus interest. I told them that I paid with a debit card and they received the money. The bank supervisor stated that it was a bank error and not to worry. I called them today XX/XX/XXXX and spoke with a Supervisor name XXXX ID # XXXX, she was not the person I originally spoke with. I asked her about their procedures when a customer calls in for complaints. And what information does she have on me.I let her know that I 'm upset because she stated she only had one call on file for me on XX/XX/XXXX. And I made multiple calls about this case. I now have a charged off account in the amount of XXXX. Plus they kept my deposit of {$750.00}. That they said only has {$650.00} in an account. I told her who do I need to talk with to get this error off my report. She said their is no one that I can speak with, but she would investigate. I told her I was going to file a complaint with the CFPB and she stated she can no longer help me and they will get in contact with me. I left her with my name, number, and email address.
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

I am contesting the account with SYNCB/ROOMS TO GO. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$0.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/ROOMS TO GO. to correct this account on my XXXX report. I should not owe SYNCB/ROOMS TO GO. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too. Please report positive.
Consumer complaint received 2017-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (CT)

I have a credit card with XXXX 's XXXX rewards Card for 18 months and my credit limit was XXXX for a purchase from the apple. I have made all my payments on time and never exceeded my credit limit. In the last 2 months i started to pay down my card with large payments of XXXX every week for 4-6 weeks and after the 4th payment, the company reduced my credit limit reflecting the amount that i paid off. My new credit limit is XXXX and my balance is XXXX approximately. This puts me higher than the credit debt ratio before my large payoffs and increases my apr rate and reduces my credit availability which affects my credit score negatively. So for paying off my credit card my credit score went down and my apr rate ca, be raised for making payments to reduce my interest rates that i was being charged. I see this as being unfair to me and affecting my credit score negatively which is causing additional hardships on myself and family. My timely payments and excellent track record with this company has gotten me a decreased credit score and the company raising my apr rates and interest rates due.
Consumer complaint received 2017-07-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (PA)

I rarely go online into my childrens accts. I happen to go in to see how much was in my sons savings acct because his CD is up for renewal and I usually transfer a certain amount over into it. I have done this since 1997 when the acct was opened. When he turned XXXX the bank said he youth acct would be converted into a student account so he would not get hit with any fees. I said great. There are numerous banks who offer this but I have always been with this bank so I would leave it there. ( BBT just bought out the bank I had forever ) So it is a BBT acct now. So I just go in and I see {$5.00} take out monthly. THey have taken out over {$100.00} in monthly fees. This is a student account that is suppose to have no fees. This is unacceptable and scrupulous business practice. Stealing money from children. They should be ashamed!
Consumer complaint received 2017-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$910.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
Consumer complaint received 2018-01-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Augusta Collection Agency, Inc. (WI)

I've have been dealing with Augusta Collection Agency Inc.. for awhile. I understand that the debt is mine and I am willing to pay it but I feel like I'm being treated very poorly and unfair. I have call them to try and settlement the debt in full but they refused, the sued me and did not properly informed me because I was living out of state and could not make it to the court date being that it was 3 hours drive to get there. I've asked multiple times to resend me paper and/or information and their response was that they already sent me paper and that they don't have to if they don't want too. they threaten to ruin my credit and that they will sue me again. They are very unprofessional in how they talk to me and they don't care about anything.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
Consumer complaint received 2017-07-28
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: Experian Information Solutions Inc. (LA)

I disputed account number XXXX with all three bureaus in XX/XX/XXXX. In XX/XX/XXXX the item in question was removed for each of my credit reports from all three bureaus. As of XX/XX/XXXX when I last pulled my reports for all three bureaus, it shows that this item was reinserted onto all three reports. As of today, well past the five days in which I noticed the item added back to my report, I have not received notice of reinsertion from any of the three bureaus.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (VA)

i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I XXXX XXXX XXXX XX/XX/XXXX made an appointment at my home address with 5 Star Sales Representative XXXX XXXX  XXXX. On this day he prepared a written estimate for a new roof on my home at the same address. This written estimate was for a complete job valued at approximately {$7700.00}. At the same time XXXX XXXX put me in contact via phone with XXXX XXXX Sales Manager XXXX. XXXX XXXX  informed me that I was qualified for a loan. She stated that she would send me an email with financial paperwork, which she did. This paperwork was to be sent back to her via fax. She stated to me on the phone and in the email, that she would follow up with me the next day. This would be a phone call to discuss which loans I qualified for and repayment interest. At no time did XXXX XXXX mention a credit card. She Never called back to discuss any financial matters Nor did I ever return any financial paperwork to her office.
I looked at my credit report on XX/XX/XXXX and was shocked to see a credit card in my name from Synchrony Financial. I, XXXX XXXX XXXX, never applied for this credit card. I have never received a booklet from Synchrony Financial bank regarding interest or repayment information. I never received a credit card agreement from XXXX XXXX or Synchrony Financial.
I did not her from XXXX again until XX/XX/XXXX asking me if I was ready to schedule a time for the roof to be installed. At this time I informed XXXX XXXX that she applied for a credit card in my name without my knowledge when I was inquiring about a loan. I never retuned any paperwork to her office, nor did I ask for a credit card. XXXX XXXX never followed up with me regarding a signature page to open any line of credit ; loan or otherwise. I never received an interest quote.
5 Star and XXXX XXXX opened this credit card account in my name without my knowledge, which is fraud at the very least 5 Star misrepresented financial services.
I closed this account on XX/XX/XXXX.
I started a fraud investigation on XX/XX/XXXX.
I am requesting this account be removed from ALL of my credit reports because I had no knowledge of it prior to its opening, nor did I personally agree or apply for this card.
I, XXXX XXXX XXXX, did not open an account with Synchrony Financial.
I, XXXX XXXX XXXX, had no knowledge of this account prior to me receiving the credit card in the mail.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (FL)

On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by XXXX XXXX. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (IL)

In XXXX we rented an apartment with the XXXX XXXX, we stayed there from XX/XX/XXXX to the first second week of XX/XX/XXXX. When we left we moved to XXXX and rented for 16 months with no issues. I found out that the XXXX XXXX lost the property due to fraudulent activity like like making bad leases and using peoples info to rent apartments to people. Also to roach infestations. This info was given to me by the new owners of the XXXX XXXX XXXXThe old owners, which we rented from, gave my info to someone who rented there from XX/XX/XXXX to XX/XX/XXXX. And then that person skipped out on the rest of the months rent and so they tried to put the XXXX XXXX collection agency on me to get the rent that the people using my Social Security number left behind. There address in XXXX Tx is still on my XXXX report also and I never lived there.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

Acct # : XXXX Dear Phoenix Financial Services, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XX/XX/XXXX and by XX/XX/XXXX it was already added to my credit report which has grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.
Consumer complaint received 2017-07-29
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: CITIZENS FINANCIAL GROUP, INC. (FL)

ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.
Consumer complaint received 2017-07-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am sorry that this refers to a situation in the past. I have finally realized that it may be a part of the greater problems that were a part of Wells Fargo.
Over a year ago I asked the Wells Fargo representative who was involved in our mortgage refinance about doing it again, at the new, lower percentage.
He told me that " the company '' does not allow him to offer this to current clients.
This did not seem right to me, but I let it go and was not able to take advantage of the lower interest rates.
I failed to take action at that time, but now it seems that it might have been a part of the general illegal actions that Wells Fargo have been embroiled in over the last few years.
I am not sure what actions could address this, but would appreciate a response from Wells Fargo. And it just may have been experienced by others, who also have not taken any action. Thank you
Consumer complaint received 2017-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (TN)

I am contesting the account with Barclays Bank Delaware. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 168 % usage. I need XXXX and Barclays Bank Delaware to correct this account on my XXXX report. I should not owe Barclays Bank Delaware anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

I have been repeatedly contacted by Transworld Systems regarding a debt owed for XXXX XXXX   XXXX. When I asked them to send me something in the mail they said they did previously. When I said I did not receive it they gave a very old address that my doctor 's office would not have had. When I asked them to stop contacting me and told them I would only communicate through written correspondence, they began contacting my mother and wife. 

When I contacted XXXX XXXX XXXX they said that all medical payments were made previously and there is a {$0.00} balance on my account. They also said they did not send anything to a collection agency and they are not associated with them. 

Transworld is attempting to collect a debt that is not mine and threatening to report me to credit agencies. I have sent Transworld a letter today disputing this debt and asking them to verify it.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

XXXX XXXX XXXX transfer my loan to SPS servicing. For the last three years they have tormented me stating they dont have proof of flood insurance and I know they do because it renews in XXXX  every year and they have all the information. Every year they threaten to force place Flood insurance on me at the rate of {$4500.00} per year. I have provided them proof and they keep threatening. Most recently XX/XX/2018. Every time I call in there I get stuck talking to a person from a different country that can not understand English. 

When my loan was modified by XXXX XXXX XXXX they took advantage of me and my family financially ( by placing us in a 40 year loan that we didnt need ). Then they turn around And sell the loan to SPS Because they did not want 40 year loans on their books. 

It has been a complete headache in more ways than one. Please Help.
Consumer complaint received 2017-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In response to Transunion 's multiple glitches in XX/XX/XXXX and XX/XX/XXXX relating to " disappearing '' and " reappearing '' inquiries, I requested the removal of the inquiries from my credit report as I felt the information on my report was n't being securely stored or accurately reported. I called transunion and they were not able to remove the inquiries on my report.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (TX)

XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked.XXXX continues to call using both manual and Robo calls from multiple spoofed phone numbers.