davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX XXXX has been trying to get me to pay on debt that is out dated and that has been charged off on my credit. They have been trying to collect on old debt from year ago and now they are making threats to garnish my wages from my job and they have been calling me at work. I do not think this company has a license to collect in the state of XXXX. They continue to harass me with daily calls about old debt that was charged off. Something needs to be done about this company. 

MCM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00}
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (FL)

In XXXX we switched wireless providers. For several years we had used XXXX XXXX but had become unhappy with their service. We switched our account to XXXX XXXX XXXX XXXX. The new provider came to our house and switched our service. I attempted to notify XXXX XXXX of the change but was unsuccessful. During that period of time we were at the height of the COVID crisis. XXXX XXXX XXXX had shut down their local office which handled wireless service. It was impossible to talk to the local agent. Attempts to call the company were unsuccessful because of COVID crisis. Perpetual telephone holds were standard procedure. I took the XXXX router to the local XXXX office and they returned it to the company. My last payment to XXXX was on XX/XX/20 for {$60.00}. My first payment to XXXX XXXX XXXX for wireless service was on XX/XX/20. XXXX has continued to perpetuate the fraud that they are providing service to my home and are due payment. After a period of time they sent their fraudulent claim to a collection service which has put a notification on my credit reports. They even sent a collection agent to my house. I want this nonsense to stop. This is nothing but a scam.
Consumer complaint received 2016-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (PR)

I have been receiving several calls from XXXX at all times, meaning from early am to late pm. They have been harassing my family and friends with personal about me, my place of work, etc. The person that has been harassing all the time is XXXX XXXX, the phone numbers are XXXX ; XXXX. She call me at my work and I have told her that she ca n't call me at my work and she has been continued to do it. I have n't received yet any communication via letter to know who they are. The only thing I know is because I search the telephone number to know who they are. My student loan was at my know with PHEAA, and I have n't received a letter from them in a long time. I want to renegotiate the debt but first I want to know to who I 'm going to give the money. Without a formal letter that let me know who has my loan I ca n't give a payment.
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACI Worldwide, Corp. (PA)

In the letter attached It is implied that they will deduct monies from a bank account associated with account numbers of of mine. I have never spoken or received any communication regarding this alleged debt. I have not agreed or provided any financial information to cure this alleged debt.
Consumer complaint received 2021-01-09
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: ID Analytics, Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2021-01-09
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: WELLS FARGO & COMPANY (DE)

Wells Fargo, On or about XXXX I lost my XXXX XXXX and had to go under a number of XXXX I had medical help and the help was instructed to pay all my bills but not to use my credit card or debit Card. Within the middle of the Illness my husband discover that most of my bills were paid off had high balances which cause my husband to investigate all my credit cards. He notice that I had a secured credit card With Wells Fargo with a limit of {$300.00}. The charges Were investigate and reported to the law enforcement Along with over 10 checking accounts that was in my name along with my husbands name. Later it was known that Wells Fargo made up False accounts And Im affective from this Scandal I await for the class action suit to take place to be awarded. And I was given a police report to give to all my card holders. 
Wells Fargo refuses to accept the police report and is continuing reporting a charge off on my credit report for {$83.00}. Please note that this was a secured account with a balance of XXXX. Wells never gave the {$300.00}. Of the secured amount back to me. Please I asked you to have Wells Fargo remove my name off the charge off. And return my credit back in good standing. Im asking for a complete investigation An up date report on the scandal with over 10 checking accounts that were open in my name did the bank issue my account monies that were taken out of my checking accounts. Wells Fargo need to stand for the error that they made to my account. They should be the ones who truly understand that fraudulent took place on my account because the company committed fraud with millions.
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my 3rd attempt to get resolution for deceptive practices of a company the FTC sued called XXXX XXXX AKA XXXX through the Credit Bureau Trans Union. They concluded their investigation and left both entries on my credit report and I have tried since XXXX to get this resolved. This is criminal to put duplicate accounts on my credit report and to make it appear as tough I have double the debt with this company who was sued by the FTC and to allow this to continue is really unethical and I am prepared to take this to every news media at this point because I have no help. Trans Union first denied receiving the initial dispute in XXXX XXXX, then when I filed a complaint with CFPB they alleged I had never disputed although I provided proof of the dispute. I then waited 30 days for them to address my complaint ONLY for them to leave both entries on my credit report after it was clear that this was impossible to have XXXX accounts with outstanding balances matching for the the same company XXXX. This is another attempt for XXXX aka XXXX to defraud consumers through the credit reporting and I would like to escalate this deceptive practice to the highest extent of the law! Trans Union 's investigation could not have found I have XXXX separate accounts so now they labeled both accounts with the same information but from a creditors standpoint this is like I owe {$46000.00} as opposed to {$23000.00} and is affecting my credit score overall. Please see attached documentation that confirms TransUnion did nothing except contact the fraudulent company and no other investigation as to why I have both listed on my credit report when I only had XXXX loan with the company that was sued for this very thing! Please see all XXXX pages of the attached pdf TransUnion left XXXX entries on my credit report and I do n't believe they can legally ruin my credit with this fraudulent company. This was a predatory loan to start that has now turned into I owe them more than my house!
Consumer complaint received 2017-08-15
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: CITIBANK, N.A. (NC)

XX/XX/XXXX, {$1000.00}, Citi Cards , this account was paid and no late payments, it is showing up on my credit report as negative item.
XX/XX/XXXX, {$1000.00}, Citibank , this account was paid and no late payments, it is showing up on my credit report as negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX, this account had no late payments and I did not used this card for a year the company inactive the account. showing on my credit report as a negative item. XX/XX/XXXX, {$1500.00}, XXXX XXXX , this account had no late payments and I did not used this card for a year the company inactive the account. showing on my report as a negative item.
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NJ)

Credit companies are not giving credit out to people who deserve it. It is not fair I am being rejected credit when my XXXX XXXX is XXXX and I can't even obtain a store credit card. My own car dealership was like your credit is good, what are you so worried about? These companies are not using the same report or they are simply rejecting everyone credit. This is not fair to Americans who are trying to get ahead and are simply being rejected for generic reasons. I spoke with XXXX XXXX at Synchrony bank and she was of absolutely no help. These banks are not using the same credit reports that everyone else is
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX ( XXXX ), I opened a XXXX XXXX XXXX credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from XXXX so I assumed the account was paid in full. 

From XX/XX/XXXX until XX/XX/XXXX I never received a bill or notification from XXXX to alert me that there was a balance due. They charged me late fees every month : {$28.00} XXXX XX/XX/XXXX ) and {$39.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX down to XXXX because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX
Consumer complaint received 2021-01-09
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-08
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FinCo Services Inc DBA Current (NJ)

I enjoyed opening the account until they strung me along withholding the {$50.00} bonus promised to me upon fulfilling all of the requirements necessary using the code " welcome 50. '' I was emailed upon being direct deposited over 1,000 on XX/XX/2021, I was congratulated and told to be expecting my bonus XXXX dollars because I received a direct deposit over the amount of XXXX dollars within the first 45 days of me entering the code " welcome50. '' However after being told to wait 10 business days to receive the funds and then being told to wait 30 business days to receive the funds in an in-app chat support conversation that disappears way too quickly and then escalating the case and being told to wait 4 business days and then being told to wait 4 more business days : I have received a bonus of {$0.00}. 
Only gaslighting from bots in the chat.
Consumer complaint received 2018-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (WI)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

Last year, I wanted to remove PMI, so after contacting my mortgage provider, PNC, and letting them know I intended to do so, I ordered an appraisal through them. They sent me my new home value, and I sent them the $ XXXX necessary to recast the loan after confirming with them that the PMI would be removed. 

This year, I was going through my statements and realised my PMI was never removed! Contacted PNC and they said my home value had not changed. It took months of calls and emails for them to realise they had the new appraisal, but for some reason the new home value was never applied to my account and is now too old to be applied. 

I've been ripped off around $ XXXX so far I believe, and although after some months they connected me with an internal contact who is supposedly trying to help me sort this out, he has been " working on it '' for months already with no solution. They claim that it was my fault for not sending my $ XXXX to a particular department address, but I'm unclear on what that has to do with them forgetting the new value of my home and charging me PMI after the new appraisal. 

They also neglected to make clear that I needed to send any payments to any particular address in their correspondence with me, stating " The best way to make sure your principal payment is applied to the principal, please mail in the payment. '' If they were trying to tell me the ONLY way to do this successfully was to mail it to that address, then they failed to tell me that by using the words " the best way '' or " please mail in the payment ''. They were misleading but maintain that they did nothing wrong by forgetting to apply the appraised value to my home, saying that their departments do not communicate with each other and just because one department knew my home value had been updated did not mean it would apply to my mortgage. That is simply ludicrous It was impossible for me to know which department I was even speaking with as I used the standard customer service messaging centre!
Consumer complaint received 2022-12-15
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. (GA)

During XXXX, I noticed that there were unauthorized accounts on my credit report that weren't opened by me. I filed a Identity theft report. All matters regarding those accounts have been resolved. Experian has since blocked my credit report and will not allow me or other creditors to access my report. Also, when I have been approved for other credit based on the evaluation of other credit bureaus such as XXXX or XXXX, Experian has notified creditors that there is identity theft on my credit report and this has resulted in accounts that I have been approved for being closed. 
Recently, on XX/XX/XXXX, I purchased a new XXXX from XXXX XXXX. I submitted the application with my state issued identification and other required documents and I was approved at the dealership. The transaction was complete and I drove away with the car. However, I was notified on XX/XX/XXXX, that due to identity theft reported by Experian, I would have to complete a identity theft affidavit and XXXX XXXX demanded that I turn my car in to them. 

Please help me to resolve this issue. Experian has created so many difficult situation for me regarding credit. I have tried to contact them and have them to remove any fraud alerts and remove the identity theft status from my credit file and they will not respond. If Experian has my file in their consumer affairs department and they have my file blocked, they need to remove my consumer credit file from their consumer affairs department and unblock my file immediately.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (AZ)

I cosigned, through XXXX XXXX, a lease in XXXX for my son. He allowed the vehicle to get repossessed and we were responsible for the remainder of the vehicle value after it was sold at auction. I paid this account in full in XX/XX/XXXX. I have repeatedly called and asked for a paid in full statement and a correction to my credit report. Neither has happened.
Consumer complaint received 2015-05-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The CBE Group, Inc. (GA)

I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (NH)

I applied for a home loan with suntrust mortgage, Sun trust pre approved me for the home loan and conditionally approved me for the home loan and now claim the applications incomplete. Sun trust delayed the closing of the home for over three weeks and all conditions where met and witnessed delivered. Sun trust keep adding condition to the conditions purposely delaying my home closing. further more they made me pay for an appraisal of XXXX that is worthless without financing. Sun trust also tried to make me pay for a survey of XXXX and I said I would n ot pay that there is a survey registered with the town. Suntrust sent me the application stating only 1 months income and 2 months bank statements they have demanded 2 month income I provided and 4 1/2 months bank statements that violate there own policy. Also I have an email clearly states I am paid XXXX this is a lie and wrong. I have been unfairly treated and denied a home loan that I clearly am overqualified for a simple approval, this is discrimination.