davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

My wife made a double payment for our Barclays XXXX XXXX on XX/XX/2022 ( the due date ). It was posted and marked received on Tuesday, XX/XX/2022. No late fees. 
On Thursday, XX/XX/2022, I checked the " current balance '' and it said {$5600.00}. I paid the amount in full on Thursday, XX/XX/2022. It was posted and marked received. 
On Friday, XX/XX/2022, there was {$100.00} in " interest charges ''. 
I contacted the company through chat on Sunday, XX/XX/2022. I was told that it was a previous unpaid amount- and then later told it was a late fee. 
I checked with my wife and saw that we were not late, that she, in fact had paid a double amount on the due date. 
I contacted the company again through chat today, Monday, XX/XX/2022. I was told that it was interest charges. I asked why they were not reflected in the posted " payoff balance '' and XXXX told me that it just wasn't. I said that if there are fees or charges that are not listed in the payoff balance that shouldn't that be fraud? She said no, it was a valid interest charge. I asked her for the payoff balance today to pay off the card and close the account. She told me {$100.00}. I asked how was I supposed to trust that I pay that off today and then have another {$50.00} " interest charge '' tomorrow. How can you trust a company if they post a payoff amount, but can arbitrarily charge " interest fees '' without proof the next day?
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (TN)

I have sent my disputes to XXXX on XX/XX/2022. I called on XX/XX/2022, the supervisor told me everything had been removed from my credit report that was listed on my FTC report. I see the accounts still showing on my credit reports. These accounts are not mine. I called back on XX/XX/2022. The rep told me they had to do a dispute again I have already sent all the information in for my disputes on XX/XX/XXXX.
Consumer complaint received 2021-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (RI)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate HowXXXX it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX XXXX XXXX XXXX  sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC (CA)

This Total Visa card has a {$300.00} limit and I barely use it. 
Here are the fraudulent charges : XX/XX/XXXX posted XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$58.00} XX/XX/XXXX posted XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX posted same day XXXX XXXX XXXX XXXX CA {$77.00} XX/XX/XXXX posted same day XXXX XXXX XXXX XXXX CA {$58.00} * I have NEVER bought anything from XXXX ( verifiable by my purchase records ) * I have never received such items ( Pls check delivery records ) * The statement suggests I bought these items TWICE in the same month!! 
* It is utterly absurd and I am enraged. 

Please help.
Consumer complaint received 2022-08-08
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. (OH)

I currently have an ongoing dispute with Equifax due to their inability to show accurate information on my credit report compared to the other two agencies. Equifax has since been in the news regarding allegations I alleged in my previous complaints associated with my credit report. Since monitoring my report in XXXX of XXXX, I had a score that was in range with the other two reporting agencies, and since XXXX of this year, my score has dipped by 25-30 points compared to the other two agencies. Plus, Equifax will drop my score by at least twenty-five points compared to the other companies that might have it drop by XXXX points for an inquiry. Plus, since having made several payments on time with my credit cards that are not the best, Equifax will list payments late while it will report to the other companies on time. I have a small business, and Equifax gives an XXXX grade with the same information reporting to XXXX, who gave me a XXXX rating for a business with the same reporting information with credit. Equifax lags behind the other two agencies with reporting information accurately, and I did receive a denial letter for working capital, and it stated that it was due to missed or late payments and derogatory neighborhood for the denial of working capital information was provided to the lender from Equifax. There are concerns with the reports but nothing as blatant as the incorrect reporting of information as it appears with Equifax. 

Please, I have a daughter whose name is XXXX XXXX XXXX, and there have been several attempts to merge the files again with her previous addresses to mine. Her birthday is XX/XX/XXXX, and mine is XX/XX/XXXX. Her name is XXXX XXXX XXXX, and she is XXXX XXXX XXXX. I am XXXX XXXX XXXX her name is not an alias for me ; she is my daughter.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated on both of these accounts
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Hey there, I have been keeping an outstanding credit rating with Equifax XXXX XXXX bureaus with no derogatory & no late payments reported ever and have noticed that my credit score started dropping starting last year when XXXX XXXX  XXXX closed my checking account and Visa card with a minimum of $ XXXX balance to avoid fees and the visa card in a very good standing and it got worse a couple of months ago when I sold my car and paid off the outstanding loan and cleared everything which started showing on my credit bureaus reporting as closed account but this effected my credit badly where it dropped by XXXX points for no reason at all! 
I am completely baffled as to why these events have cause my credit score to drop by a total of over XXXX points and wondering of you could possibly help me as I have not been able to get any answers from the credit bureaus. 
Thanks
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Considering recent investigations brought upon Equifax. I find that my consumer file has been irresponsibly tampered with and neglectful, because Equifax hasnt exercised their grave responsibilities as evidenced by the inquiries theyve allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting unverified accounts on my consumer report. Over the past years I made several attempts to remind Equifax of their duty pursuant to 15 USC 1681 my most recent was XX/XX/XXXX, and they did nothing but ignored my disputes and requests. 

Lets be clear, as a consumer, I am federally protected under Title 15 Chapter 41 and Title 15 Chapter 94, and it saddens me to know Equifax takes pride in violating basic consumer rights. According to the CFPB credit reporting and voluntary and always has been. Pursuant to 15 USC 1681a ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other information on consumers. Equifax would need my expressed permission to furnish any information on my behalf on my consumer report. I DID NOT give Equifax and consent to report or furnish any information on my consumer report. I have a right to privacy and Equifax did nothing but invade It, by allowing 3rd party companies to access my private and personal information. Which are also violations of the Gramm-Leach-Bliley Act referenced by 15 USC 6801 and 15 USC 6802. 

I have attached a copy of Equifaxs Data Sharing Policy. On page 3 under section Consent it states, Equifax shares personal credit data with organizations that have the data subjects consent to request, receive and use it for the particular purpose ( s ) for which it will be used. Please show me Equifax where I XXXX XXXX gave you guys written consent w/ my signature to furnish things on my consumer report, because to my knowledge you guys will have to keep record of that. 

This is NOT a dispute, you do not need to reinvestigate these accounts, as a consumer I feel humiliated by the derogatory items Equifax furnished on my report without my consent. I am asking that you remove these items immediately please :
Consumer complaint received 2022-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. XXXX XXXX Account # XXXX Bal : {$0.00}
Consumer complaint received 2023-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-08-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (PA)

We started the refinance application in XXXX of XXXX, and it took us until the end XXXX to almost finish it. In late XXXX XXXX we had finally finished all the paperwork and were told we were all set and not to pay our mortgage for the month of XXXX ( we have the emails ). We had the notary on her way to our house when she called and said XXXX ( XXXX ) had not sent over any files. I called my loan agent and sent multiple emails and never got a response until XXXX of XXXX. Since we were told not to make a payment that month we used that money to pay other bills, and for the next several months we were a month behind on our mortgage payments. Along with us budgeting with a lower monthly mortgage payment. The way this was handled along with with no response for months along with all the extra fees {$40.00} a month along with raising our mortgage almost {$200.00} a month because we were late due to their actions was unacceptable. When I spoke with the company they said I should of not listen to the agents and paid the months mortgage
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation (VA)

I bought a water heater from XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023 using my credit card. They installed the water heater on XX/XX/2023. The charge to my credit card was made on XX/XX/2023 for {$2900.00}, even though I had called, sent emails, and informed the company that I was using my credit card to pay for this and not a loan company on XX/XX/2023 and several times after this date. They did not send me a receipt for this transaction and they did not cancel the loan to XXXX, XXXX that I had paid the company for the water heater in full. I am now receiving collection notices from XXXX, XXXX, because they have not cancelled this loan debt, that I have paid in full. I need a response before XX/XX/XXXX. I do not understand why they have not sent a printed receipt showing that I paid for this water heater in full or a confirmation that they have cancelled the debt owed to XXXX, XXXX.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I paid off my credit card but my physician was unable to perform my procedure and had to refund me. He stated that Synchrony Bank would not allow him to refund me directly so he not refund me the {$8500.00} dollars and would have to send it Care Credit/Synchrony bank . The credit showed up on my Synchrony account within 3 days and I have contacted them 3 times each time waiting 15 days for my check to be received, for a total of over 45 days to no avail. I have been told repeatedly that my check is being sent and I have not received it yet. I am told repeatedly every time I call that they do not know why my money has not been released to me. Last week XXXX XX/XX/XXXX my 3rd attempt, I spoke to a supervisor named XXXX who stated that she would be personally handling my case and would escalate the issue and call me back within 48 hours for a resolution and nothing from her. Please help me,
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (WA)

Purchase a select Visa card debit card from XXXX in XXXX Washington address XXXX XXXX XXXX XXXX XXXX Washington XXXX okay put {$100.00} on the card the card cost me {$2.00}. Went home call the number gave him all the information they asked for thought it was activated it wasn't I can't use it I've been calling them for over a week and a half no one will answer the phone so I want you to the store where I purchase it. They called him nobody answered the phone I have all the receipts for it they did send me an email which I'll forward it to you that said there was a problem with my card so I've been trying to get in touch with him ever since and nobody will answer the XXXX phone
Consumer complaint received 2023-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (CO)

I sent Global Lending Service a letter to explain a repossession account they have placed on my credit file. 

In their response, they sent me a contract with the name " XXXX ''. That is not my name with an address that I have never lived at in XXXX. My name is XXXX and I live in XXXX. 

This also shows that it's a repossession, however there is no other documents in this response showing a transaction/payment history, a repossession notice etc. 

Ive included the contract with the information that is not mine
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

Due to a job loss, I reached out to Wells Fargo and asked for information on their Covid-19 mortgage relief program. To clarify, I only asked for information on the program. The representative on the phone stated that an information packet would be mailed to me. About a week later, a letter arrived from Wells Fargo stating that they are " confirming short term payment relief for the account. '' This was not what I had requested. In addition, the letter states " We won't report this account to consumer reporting agencies. '' It has now come to light that Wells Fargo has put a forbearance on the mortgage, preventing any ability to refinance. I am current on my mortgage payments and did not want to be part of their relief program, but now I have a forbearance blemish on my mortgage.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi, I need a copy of the envelope contents for the payment paid XX/XX/2022. My account thinks I have a problem with the XX/XX/2022 payment that is throwing off the loan schedule and has asked me to retrieve it from SPS. Please send the photo contents of the XX/XX/2022 envelope.
Consumer complaint received 2023-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

see complaint number XXXX I asked to receive the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX XXXX and XX/XX/XXXX at XXXX pm XXXX. I did not receive them. I also asked for the photo contents of the payment envelope dated XX/XX/XXXX for loan XXXX. I received the photo contents for XX/XX/XXXX instead. My account is requiring XX/XX/XXXX. Please send the photo contents for payment made XX/XX/XXXX. Also. please send the XXXX recorded call transcripts date XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at XXXX XXXX  as they were never sent.
Consumer complaint received 2023-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (NC)

I have been an Affirm customer since 2019. I paid my loans on time, although I had suffered a reduction in my income but do my best to afford the monthly payments. Recently, I tried to get a loan for a purchase and unfortunately, Affirm denied me the loan because allegedly my credit score fell beneath the minimum required for them to offer me the loan. They never specified me which was the credit score and on top of that, they outlined that the decision was final. This was very deceitful, as I always have been responsible with my payments, and suppose that I need to make an emergency purchase of any kind at any time, then Affirm will not let me do it.
Consumer complaint received 2022-08-08
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)

I disputed a bankruptcy that they say they verified, however they will not tell me how they verified it. The reason is because they never verified it with anyone, I have talked to all credit reporting agencies that share bankruptcy information and none of them have any information even the courthouse agreed they are lying. I am beyond tired of battling this with you and experian, I am attaching the letter I sent to them on XX/XX/2022 and they verified it the sameday lol. Please make them remove this immediately to avoid litigation with them as well as the cfpb. I do not see how these bureaus get away with so many violations. Well guess what it is {$1000.00} per violation so let 's see if you can get them to do their job. Thanks