davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (GA)

I am and have been an XXXX customer for more than 17 years. Last Monday, I called to ADD a new service at a 2nd address and was told I was not required to pay a deposit. On Tuesday I received an email saying I needed to call about my order. I called and was told because of my low credit score I had to pay {$50.00}. I have a credit score over XXXX and told her that was ludicrous but did n't have time to argue and paid the {$50.00}. On Friday I arrived at the property expecting a modem for the wireless service I ordered on Monday. Not only did I not have the equipment but I had a letter stating that I had a credit score of XXXX according to SageStream LLC. I paid XXXX for my credit score and its over XXXX. Clearly SageStream is illegally reporting credit scores and also violating federal law by not giving me a REASON for such score. 

I have called XXXX and SageStream with zero luck getting anywhere. 

SageStream told me they gave me a XXXX based on data from the last 3 years. I have not opened any new credit accounts in the last 3 years. I have ZERO debt except an XXXX XXXX XXXX that I 'm paying the balance in full each month. 

SageStream refuses to give XXXX any reason for this low score and its causing a lot of issues for me. 

I 've filed a complaint with the Georgia Public Commission because XXXX refuses to help me resolve this and I 've filing this report today because SageStream is falsely reporting a credit score that is not accurate
Consumer complaint received 2017-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (MN)

Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. 

The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. 

Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone.
This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts.
I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was astonished once I obtained my XXXX XXXX and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-09-03
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 disputed a debt with XXXX XXXX with Transunion because a debt they are reporting on my credit report without the company notifying me of my rights to dispute the debt before placing it in your credit and did n't give me a chance to dispute the debt. It 's not my debt and they ca n't verify that it is with me but Transunion said they verified with them. The original owner which are XXXX XXXX say that they do n't have a record of me owing any debt to them! It was deleted from my Transunion credit file under the name XXXX and replaced with the a different name ( XXXX XXXX XXXX ) but same company and address. I disputed it initially with Transunion because they placed it in my credit file without any right to dispute or any notice. No validatity of the debt as required by law! After the initial dispute the company just basically kept the debt on my report in a different name and said that they verified it and did n't! I want Transunion to be held accountable for doing their jobs and actually verifying the debt and not taking a collection company word with no documents to support their claim!
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for the AMEX Starwood Preferred Guest Business credit card. I applied for the card on XX/XX/XXXX and was approved by XX/XX/XXXX. 

The promotional terms of the offer was XXXX SPG points for a minimum spend requirement of {$8000.00}. I put a {$20000.00} charge on the credit card and payed the balance off in full on XX/XX/XXXX. 

I received approximately XXXX SPG points for the charge I put on the card. However, the bonus points of XXXX SPG points never posted to my account. 

I have opened numerous inquires with AMEX and they keep insisting it will " be another 6-8 weeks to complete the investigation '' I have spent several hours communicating over online chat with AMEX. 

Attached is a confirmation with an AMEX representative confirming the bonus spend and terms were met and a receipt of payment from AMEX.
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.
Consumer complaint received 2017-09-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (OH)

I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.
Consumer complaint received 2017-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY ()

I am living in XXXX but worked 2 months at the University of XXXX in 2011 and opened a bank account at Wells Fargo that time. I have about {$800.00} in my account and requested a credit card to get access to my money. The bank refuses to send me the card to my home address ( although this is the address they have in file ) and the only option they offer to get access to my money is that I should personally visit a branch. Of course the time and cost for travelling from XXXX to USA is  more than {$800.00}, so it is impossible in practice. They state that they can not verify my identity otherwise and rejected my suggestion that I will scan my ID or proof my identity otherwise. Thus, Wells Fargo do n't offer me any way to get access to my own money.
Consumer complaint received 2017-09-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC (GA)

My car was involved in a hit and run on XX/XX/XXXX and it was totaled out by XXXX XXXX XXXX. I still made my monthly insurance payment for XXXX even though I no longer had the car. I received an email from XXXX stating " Please note that you no longer have insurance with us, effective XX/XX/XXXX '', 9 days after the accident. They ( through XXXX XXXX ), are reporting to the credit bureaus that I still owe the balance of the policy that they in fact cancelled. I disputed owing any balance to them. As a recent college graduate at that time it was impossible for me to make a payment for something that I did not need coverage for and that they themselves cancelled. I would like your assistance with having this trade line removed from all 3 credit bureaus. XXXX paid the value of the car off to American Credit Acceptance , LLC XX/XX/XXXX. The Gap insurance took a little longer to pay the difference. I over communicated with American Credit Acceptance making them aware of the loss of the car. They knew that I had gap coverage and they were working on completing the payment to them, yet, American Credit Acceptance , LLC reported to the bureaus that during the months of XXXX ( 30 days ), XXXX ( 60 days ) and XXXX ( 120 days ) that I was late with my payments. I no longer had the car which they knew all to well. Please assist me with getting these erroneous late payments deleted from this account. Thank you in advance for your assistance.
Consumer complaint received 2017-09-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit Service Inc (WI)

XXXX XXXX XXXX, XXXX, WI, has sent {$660.00} to a collection agency, XXXX XXXX XXXX XXXX XXXX. I have never received any statement from XXXX XXXX nor have I received any phone calls. I have moved once and have had a forwarding address in place. I have had the same phone number for the past 8 years. XXXX XXXX has a vendetta against my now ex-husband, XXXX XXXX, over an employment dispute. XXXX has sent letters from attorneys to XXXX with my name included. I am not responsible for anything that they have with him. I have left several messages at XXXX regarding this matter and no one has even tried to contact me. I discovered this issue when the collection appeared on my credit report on XXXX/XXXX/XXXX. XXXX XXXX has not followed the guidelines proper billing. Not only are they not following guidelines, but they are trying to add on debit that does not belong to me.
Consumer complaint received 2017-09-02
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. (TX)

On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.
Consumer complaint received 2017-09-02
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX card, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX card , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. XXXX
Consumer complaint received 2017-09-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NJ)

I have not received any rate reduction information, my loan has not gone down since my start day of payment, which was back in XXXX. 
After numerous phone calls to Navient, and put on hold and put on hold for extended time ( 30 or more mins ), with every phone call if I was not cut off completely. All my loans were variable and taken out between XX/XX/XXXXto XXXX. My loans were with XXXX XXXX, which were then sold to Navient. 
Since XXXX I have yet to receive any rate changes to my loans, with one as high as 12.75 %. Every time I ask for a supervisor I am cut off.
Consumer complaint received 2017-09-02
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 mailed a letter to Experian on XX/XX/XXXX requesting method of verification for accounts that are inaccurately reporting on my credit report. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Experian received my letter on XX/XX/XXXX and mailed me a copy of my credit report dated XX/XX/XXXX which I received in the mail on XX/XX/XXXX. However, the credit report is not what I requested. What I requested was method of verification. Furthermore, the credit report stated that Experian contacted the companies and verified the accuracy. I never asked Experian to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Experian spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Experian claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Experian has been unsuccessful in providing method of verification for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I demand these inaccurate accounts be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent XXXX dollars to my wife in XXXX via XXXX XXXX. The store that made the transaction for XXXX XXXX is " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. the money transfer was made XXXX XXXX th XXXX. To this day the money is " missing '' and XXXX XXXX  representatives dont answer phone calls. Please help me, i need this money for medicin for my wife. Thank you for your time.
Consumer complaint received 2017-09-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MO)

I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. 
Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. 
Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.
Consumer complaint received 2017-07-10
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)

Contacted credit bureau by certified mail, XXXX XXXX, 2017, disputed a bankruptcy XXXX reporting on credit bureau. Was advised that the dispute was investigated by XXXX. <P/>However, there is no proof of the investigation and I have contacted XXXX Consumer Center and US Bankruptcy Court and was advised that information has not been verified through either agency. XXXX advised file is sealed and no information has been verified to XXXX or Experian. US Bankruptcy Court advised that they do not verify any information to third parties. <P/>Bankruptcy has not been verified or validated. Further, I was sent a response within 5 days and it is highly unlikely that of the thousand requests, my dispute was investigated and verified in that time frame. I requested proof of the investigation and did not receive any.
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

This mortgage company is failing to apply funds submitted as " principal '' in an attempt to collect additional interest on the loan. 
Approximately 5 months ago ( XX/XX/XXXX/XX/XX/XXXX ) my mortgage with XXXX was sold to Nationstar/Mr. Cooper and I 've had nothing but issues with the company. I began making payments to NationStar/Mr. Cooper and immediately they were not applying funds as I indicated on their payment website. Instead of processing my loan payments as I indicated on their website with the monthly mortgage amount PLUS additional principal. They processed the funds without applying any additional money going to PRINCIPAL. Any additional amount I indicated as PRINCIPAL was held by the company as " UNAPPLIED FUNDS ''. On XX/XX/XXXX I spoke to a service representative and I explained that their company was changing the terms of my loan by not allowing me to make additional principal payments along with my monthly mortgage .It indicates on they website anyone could make additional principal payments just by adding the amount to my monthly mortgage. My previous mortgage holder " XXXX '' did this without issue. 
I was told if I wanted to make additional principal payments with my monthly mortgage I must call. The issue is they are intentionally making it difficult to pay off the mortgage with this practice, hoping that customers will just " give up '' attempting to payoff their mortgage early. Phone wait times, confusing and inaccurate explanations that do n't make sense is STANDARD. I do n't want any special treatment from my mortgage company. What I do want is to be able to go online to their ( Mr.Cooper ) website, make my monthly mortgage payment plus ANY additional PRINCIPAL or ESCROW payment I 'd like to add. Mr. Cooper Mortgage 's practice is stealing thousands of dollars from their customers /changing the terms of the loans and is intentionally making it difficult to payoff a mortgage early. This practice allows Mr. Cooper to receive additional interest payments over the life of the loan and should be stopped. 
Additionally, on XX/XX/XXXX I made another mortgage payment and I indicated ( on their website payment page ) I wanted an additional amount to be applied to principal.. On XX/XX/XXXX I visited their website and checked my payment summary. Again, they DID NOT apply the additional funds to principal as I indicated. I phoned Nationstar/Mr. Cooper on XX/XX/XXXX and spoke to their service rep " XXXX ''. She offered no plausible explanation however, she stated she would immediately correct the issue, and promptly send me an email confirming the corrective action taken. Today XX/XX/XXXX I again checked the summary of my account and the issue had NOT been corrected.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (AL)

I have refinanced my auto loan from exerter finance in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Citibank had requested some XXXX documents earlier this year. I provided all the information requested. XX/XX/2019 Citibank called and sent email to confirm receiving the information. Despite confirming receipt of information, Citibank froze my account around XX/XX/19 resulting in check payments to be returned to payees. Citibank has since reinstated my account. However, Citibank will not provide a reason in writing why my account was blocked in the first place. On contacting Citibank Customer Care via their email system, I am asked to call a Citibank number XXXX. I did that which takes me to their general menu with no option to speak to a customer service rep. I sent a second email via their internal contact email but still get the same response - call this number.