davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

Get phone call from XXXX. They say they are seeing for an account. At playday loan company. They say there is a warrant for my arrest for payment due. And sherff will be sent. Then they say I owe XXXX dallors but they will settle for XXXX. When I ask them for paper work they say it too late for that and I need to pay now. They have been calling my family and tell them they are investigating me and that they need to call back and to tell me to call them. I told them If they send me paper work and I owe the money I will pay it back in payments. I an on XXXX and have a limited income. I want them not to call family or friends. They have my number and address.
Consumer complaint received 2015-08-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

I have been banking with Wells Fargo Bank for almost 2 years now and they have always charged me with insane fees. When I make a purchase, the funds get taken our of my available balance but their system manipulates it to where it goes back to your available balance and at a later date they take it out making it look like you made the purchase with no sufficient funds. It is designed to make you overdraft your account and so they can charge you {$35.00} NSF for a {$4.00} transaction. I have receipts of when I made the purchases that caused me XXXX charges of {$35.00} and I should't have been. I called their customer service and they wanted to just tell me how the system works instead of helping me out so I do n't have to make the complaint.
Consumer complaint received 2015-05-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (UT)

I was charged by Experian every month for membership that I did not agree to. I signed up for a 1 dollar credit report and instead I was charged {$22.00} a month for five months. I never agreed to this. Experian stole around {$88.00} from me.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

For the last 4 to 5 months, I have unsuccessfully attempted to log into my account at Equifax 's web site called " myEquifax '' ( https : //my.equifax.com/membercenter/ # /login ) to view/manage my security freeze. I receive a " login or password is incorrect '' message followed by an " account locked '' message. I have then called the customer support team in an effort to fix the problem but, again, have had no success. I have repeated this process approximately 15 times over the course of 4 to 5 months with no success in accessing my web-based account. Today, while on hold for what seems to be the hundredth  time, the call just terminated. I have had no trouble accessing both my XXXX  and XXXX web sites, just the Equifax site. Appreciate anything your organization can do to help restore my access to my account.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I WAS LOOKING OVER MY REPORT AND I NOTICED ADDRESS AND PHONE NUMBERS ARE NOT MINES/ NOT ACCURATE, PLEASE REMOVE THE FOLLOWING ITEMS. 
XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-14
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: Experian Information Solutions Inc. (FL)

I NEED THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE DUE TO THE FACT THAT IT IS REALLY IRRITATING MY CREDIT 'S HEALTH AS WELL AS I NEED TO MAKE A BIG PURCHASE SOON. THIS ACCOUNT WAS OPENED IN 2006 IT IS A XXXX/XXXX XXXX NEGATIVE ACCOUNT.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

My Macy 's XXXX card was used to make fraudulent charges in XXXX of 2016. Someone used t apporx. 5 times to purchase amazon gift cards. I made a complaint and within days the charges were credited to my acct. 
Macy 's closed the acct for me and set up a new XXXX. On XXXX XXXX, 2016 I purchased items at Macy 's in XXXX, XXXX 
When I received my statement I noticed that on the same day I was physically in the store in XXXX, XXXX that someone purchased something in XXXX XXXX XXXX, XXXX at Macys with my acct in the XXXX of XXXX. 
I called again, they closed the acct changed it to now a third acct. They said the check was in the mail. I said great, please close this account all together bc I do n't feel comfortable with the amount of times it 's been taken. They closed it, I have yet to get a check. 
I have called customer service 5 different times each call lasting approx XXXX120 minutes. I have yet to get the credit to my acct. I have been told the check is in the mail. I have been told the credit will show in XXXX to XXXX billing cycles, I have been told to call back and I have been disconnected by them. 
Today is the 6th time I called, 1st the fraud dept. waiting 48 minutes and they finally said the credit is on my old acct that I closed. It will take a while to send you a check. I was directed to call customer service to ask them to expidite sending me the check. 2nd call today 64 minutes. in length. I was told that the credit was given however bc there was a charge on the acct it should be just a zero balance. I explained how I have automatic payment and the card got paid off before ever receiving a credit, so I actually paid for the fraudulent charge. She directed me to call Fraud ... .the Dept I had previously talked to today for 48 minutes. I explained that I had been directed to Customer Service to haave the credit from that card sent to me. SHe put me on hold for 12 minutes, came back and said that she 's requested the check, however I have herd this before. I JUST WANT MY MONEY BACK. I WILL BE HAPPY NEVER TO STEP FOOT IN MACY 'S AGAIN AND HONESTLY XXXX XXXX SHOULD BE EMBARRASSED TO HAVE THEIR NAME ON A COMPANY 'S CARD THAT DOES N'T PROTECT THEIR CUSTOMERS. HELP!!
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Equifax keeps reporting accounts that are in someone else name and social security number. The following items on the enclosed PDF file are not mine. There is an alternate social that Equifax keeps reporting and can not get it through their head that the alternate social being reported IS NOT MINE and all the creditors have verified this and told me they removed the item, but yet Equifax continues to report it. I have enclosed a printout of the items, every item in YELLOW is NOT MINE, also a copy of the latest three police reports filed. The two addresses in yellow are not mine either. XXXX said they would remove it, XXXX XXXX sent a letter to remove it and yet they appear still on my report.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I tried onlineXX/XX/2019to temporarily lift my Security Freeze using all my personal information and Experian PIN. It said they are unable to process my request and I have to mail the request with identification to Experian. I then called on XX/XX/19 and got in an automated system to lift the Security Freeze. Again, after entering all my info and PIN, I was told to mail the request. 
Experian gives no method to speak to a representative to verify my identity and requesting that I MAIL sensitive, confidential identity information is not only ridiculous, it exposes me to identity theft.
Consumer complaint received 2016-10-04
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ENOVA INTERNATIONAL, INC. (VA)

This is the third complaint that I have submitted to Comsumer Dinancial protection Bureau for the last 2 weeks and I keep receiving responses that you are unable find this company. NetCredit I need to make managable payments I had an unexpectes emergency and they are taking all of my biweekly pay the company will not work with me.This company is NC Financial Solutions XXXX dba NetCredit regulated by Utah XXXX XXXX XXXX XXXX XXXX this loan isat 98.9 % interest
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc. (NM)

In XXXX I was XXXX years old when applying for student loans to pay for education while assisting me in room & board expenses. I was not educated on credit as my family struggled with crippling debt. So, unaware of the real-life consequences that missed payments can have on credit I struggled to make payments. Then financial hardships occurred in XXXX leaving me unable to make any payments whatsoever. I called the company to restructure payments with no assistance and finally, the payments when into collections on XX/XX/XXXX, of XXXX. The calls and emails were relentless and would go far past XXXX XXXX as well. 

I am currently extensive efforts to rebuild my credit such as getting secured credit cards to work towards a good credit score. I want to be responsible after taking debt relief and credit education courses to improve my financial literacy and situation as a whole.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CO)

I have been diligently working towards improving my credit score in preparation to purchase a home, periodically I check with XXXX XXXX to see how it's coming along, last month, XXXX, my score had dropped by 23 points due to a debt in CCS from " XXXX XXXX '' auto insurance, XXXX, I do not owe this mainly due to the fact Auto insurance does not extend credit, you pay you are covered, you are cancelled if your payment is not made, over and above this factual dispute, XXXX. is trying to charge me for the " free quote '' as their slogan states, after requesting a quote I did not purchase a policy. To my surprise the following month my bill which is normally XXXX jumped to XXXX, I spoke with a XXXX. representative who offered only one choice to amend which was that I pay the entire amount then they would credit my account, under the circumstances I found this absurd. I had the new vehicle already insured with XXXX, I could not afford to pay for a " quote ''. I still have not received an official bill from CCS, I only saw this on my credit report score. I chose to take my business elsewhere, my right as a consumer. 

XXXX turned in a " debt '' of {$350.00}, when I did not renew with them, the 6 month policy was paid in FULL, again auto insurance does not extend credit, honestly, Where do these people get off? 

In finish, I have requested validation of these two " debts '', costing me energy and time for something I do not owe. My biggest concern is that CCS can turn this in without validation to begin with, I shouldn't have to provide validation AFTER CCS turned these in as unpaid debts and DESTROYED my credit rating.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AL)

On XXXX XXXX, 2015, I discovered a series of fraudulent charges on XXXX credit cards ( all were department store cards ) totaling close to {$5500.00}. As soon as I learned of the fraudulent charges I contacted all XXXX department store card issuers which includes Macy 's. XXXX of the XXXX credit card issuers immediately provided provisional credit and resolved the issue within 10 days. It has now been over 100 days and Macy 's still has not credited my account or provided any updates on the resolution of this matter. As stated earlier, I contacted Macy 's on XXXX XXXX to inform them of this error. At the time, they stated I would receive a statement of fraud in them with 5-7 days. After 10 days, I had to contact them again to check on the status of the statement of fraud as I had not received. It took another 7 days to receive and I returned via mail ( as requested ). On XXXX XXXX, I contacted the Macy 's Fraud Department to check on the status on my claim. At this time, I was told that they did not receive the statement of fraud ( or could not locate ) and I was asked to fax the statement of fraud. As requested, I faxed the statement of fraud directly to them and was told that it would take 30-90 days to resolve. Keep in mind, that I originally mailed the statement of fraud in XXXX. I asked for confirmation of receipt of the statement but no one contacted me as I requested. On XXXX XXXX, I called again and to request a status and was told that it was it their system but there was no current status to provide. I was only told that it would be taken care of and not to worry. I was also told not to pay anything over the original amount that did belong to me which was a very small amount as my fraud claim would be rejected if I paid any of the fraudulent charges. I have continued to make minimum payments, as instructed, but I am now at the point where the minimum payment is more than what I owe. I called back again on XXXX XXXX, still no update. I am only told to continue to make minimum payments or I will be assessed a late charge - contradicting the previous communication that I received to not make payments towards the fraudulent charges. I am extremely frustrated by the lack of urgency or action on the part of the Macy 's Fraud Department.
Consumer complaint received 2019-08-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (FL)

I visited carvana website for an automobile because I received an email with the subject " Find out if your terms have improved in two minutes ''. I thought I received this due to the dispute that was just completed.

When i first used their site to get my terms ( {$1800.00} down, 22 % interest rate for 68 months ) they were based off my FICO score at the time, which was XXXX due to an item that was incorrectly reporting - a medical bill for {$540.00}. I disputed the item, and within four days, it was deleted from all three credit bureaus, increasing my FICO to a XXXX. I have no other debt, no collections, and I am an authorized user on my XXXX XXXX XXXX card. There is no credit usage on the card. I was recently approved for two credit cards as the primary account holder. So, I went back to re-do my terms now that my credit has been fixed, and was told by Chat rep, XXXX, that i am unable to get new terms, even after the email advertising strictly said " Has your credit improved? You can see if your terms have improvedwith no hit to your credit scorein just a few minutes. ''
Consumer complaint received 2016-12-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I have been making payments on this auto loan over the last 4 months, even though I am late with making the payments. I understand and take full responsibility for being late, but Wells Fargo Dealer Services wishes to do nothing to assist with helping me with being late. All they want is the money and the late fees on the loan continues to climb, which will eventually eclipse the amount due. No efforts are made to rectify this and no matter how much of a payment I make to the loan, they just continue to tack on more and more late fees and when asking about bringing the loan fully current next month, they only state that they will do nothing about the late fees. They state how much they wish to help me, but they do n't. They just want the money and they want to do nothing. They can not reduce the payment or do anything that will help me. All they are doing to help me is blow up my phone with calls, send threatening letters about how they will get their jollies off on taking my car, and how they want to continue to stick it to me with late fees. Eventually, the late fees will go over the total amount paid. I AM NOT PAYING THE LATE FEES. IF WELLS FARGO WANTS TO HELP ME THEN THEY NEED TO HELP ME AND NOT BE LIKE A PREDATOR.
Consumer complaint received 2015-10-31
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

For the second time in a year Bank of American has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to " possible compromise '' of the account number with an " undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the " undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Bank of American saying they did not have it and was advised by XXXX. There is no one to contact at " XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news?
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Bank of America, where it was Faxed to the Bank of America XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

On XXXX/XXXX/16 I contacted XXXX to book XXXX hotel rooms. immediately within seconds after booking them, I called XXXX to cancel. I was told to call the hotel directly to cancel. I immediately called the hotels and talked to the front desk managers. I was told they would be cancelled. I called back XXXX and confirmed with them that I cancelled with thoe hotel directly. I was informed I would not be charged. I have bee fighting with CTiti for months now. I do not know what the issue is. I have been a valued customer of them for several years. I did not stay at these hotels and would like the credit appied and woldd like to continue my membership with cit.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I entered into a mortgage modification with WFHM XX/XX/XXXX through XX/XX/XXXX. I was advised by at least XXXX mortgage specialist ( staff changed constantly, so communication was difficult and there was poor transition between staff. I was advised however by each of the specialists that upon completion of the modification, all late payments would be removed from my credit report. XXXX is now disputing this fact. My credit is now so severely affected that I have no options for refinance with another lender.
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I spoke to XXXX ( employee ID XXXX ) FedLoan on XX/XX/2019 about the fact that my XX/XX/2019 autopay payment did not process as it was the weekend. The meno on the website specifically says If your due date fell on a non-banking day ( weekend or holiday ), it may have caused your account to show 1-5 days delinquent until your payment processes. If this did occur, your payment will be extracted on the next business day and will have no negative impact on your account or credit reporting. My understanding from this statement is that the payment should have been extracted on XX/XX/2019 as that was the next business day after XX/XX/XXXX. XXXX told me that it could really take up until XXXX XX/XX/2019, which directly contradicts the statement posted on the website ( see attached screenshot ). In reality, payment was not extracted until XX/XX/XXXX. Information provided by the website and XXXX contradict each other and FedLoan is the only company I have ever dealt with that causes a weekend payment to become delinquent. This should be unacceptable.
Consumer complaint received 2019-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I have a collections from XXXX XXXX in my credit report I did not open. I tried calling XXXX XXXX and they couldn't help me because I do not have an account number. I tried to contact the collections agency and the number is not a working number. I tried to dispute through XXXX  which is where I saw it but they still have it as a valid charge.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted all 3 credit agencies informing them of inaccurate personal information such as names and addresses yet they have failed to remove them. Please delete all inaccurate wrong personal information contained in the letter attached.