davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (WY)

On XXXX I purchased some home decor from a lady via XXXX pay in the amount of {$1500.00}, however after numerous attempts to get my merchandise with no response from the seller I requested a refund however she never gave it to me so I filed a dispute with my bank which they gave a provisional credit on XXXX almost a month after trying to get this lady to give me my merchandise. Then on XXXX today I receive a letter stating that US Bank will not give me credit and are taking that money out of my account XXXX however I just received this letter and it is dated for XXXX. We did not receive any merchandise and we feel we are a victim of fraud however neither XXXX pay nor our bank is actually researching this person. I have numbers for this person, email, and documentation stating every excuse in the book why the seller never shipped my merchandise and even after requesting a refund she still never gave the refund and now her numbers are just ringing with no voice mail. This is horrible, we paid {$1500.00} out for items we never got and our bank will not help us out. We would really like to get our money back for this items because this effects our business in a very negative way. We need some help getting this money back and our bank will not help us with these fraud charges. 

Please please help us get these funds back. ASAP. 

The bank is US Bank and the lady who is working at US Bank That will not help us is XXXX XXXX phone number XXXX The person I supposedly purchased from is XXXX XXXX her phone number that she gave me was XXXX or XXXX her email is XXXX and she also has a name listed as XXXX XXXX. 

This isn't right nor fair to have to fight this like this but we need our money back! 

All documentation I have is via email, invoice through XXXX pay or text messages from me to this person trying to get my merchandise delivered or picked up. So I am not sure how to provide all that in this complaint but I am happy to provide it immediately via email or fax or some way.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo abruptly reversed a credit for two disputes totaling XXXX and XXXX that I told them I did not make. They did not care and took money from my account 3 months after the fact which caused my account to go into the negatives! I just received my first stimulus and my child tax credit and Wells Fargo garnished them for the negative balance due to there error. Irs told me the stimulus was not supposed to be garnished and Wells Fargo is telling me they have to investigate as if everyone isnt aware of the stimulus being illegal to garnish. They have made it extremely hard for me to take care of myself and my children trusting them with there money and something needs to be done! Wells Fargo just takes money from peoples account with no warning and for no reason! And I need my monies back! I have bills to pay and kids to feed please help! This is horrible!
Consumer complaint received 2019-02-20
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. (WI)

I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX-18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
Consumer complaint received 2019-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MO)

I am being harassed by XXXX XXXX XXXX. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( AB ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from Experian which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that XXXX XXXX XXXX is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau Experian is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX  with no successful resolution. Experian is only reporting me 30 days late. There was definitely an error on their part. I Was never 30 days late.
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC (KS)

On XX/XX/2019, I received a rather generic style letter from XXXX XXXX. It states they have been notified that my mother passed away and further state they are trying to locate the person who has the authority to pay her outstanding bills. 

My mother had no estate. She had about {$1500.00} in her checking account at her time of death that was a XXXX in my name. The amount went to pay for her cremation expenses. She had no other assets. Moreover, no one is responsible for paying her bills. Only she was legally responsible for debts incurred in her name. 

I am asking that DCM cease sending letters to this address immediately. I have read online reviews of this company sending this out to people, then saying they owe money without stating who the debtor is or the dollar amount.
Consumer complaint received 2020-11-13
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. (NY)

On date XX/XX/2020, I noticed that XXXX XXXX XXXX is still reporting on my credit report. This credit is over ( 7 ) years old. Due to the statute of limitations on debt in the state of NY in which I reside in this account must be removed
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (CA)

XXXX with the executive department refused to assist me, nor answer my questions regarding a fraudulent charge, almost three months ago. Key bank has not investigated the fraud, not shared pertinent information with me, so that I can defend myself legally, against false charges regarding this entire debacle. The person committing fraud, filed false police charges, Key bank said, " oh well, that's your problem and doesn't have anything to do with us. At all. '' Then XXXX copped a major attitude when I refused to allow her to berate and degrade me on the phone about my " many addresses '' and all sorts of outrageous things she felt entitled to inflict upon me. My address instability being the reason they have failed to do their jobs on a basic level, instead of mailing me requested documents that are needed for LEGAL PURPOSES, according to XXXX. Also, that she " would try '' to possibly get me the requested information pertaining to the fraudulent charge, which she clearly had no intention if doing. They have blatantly blocked me from vital information to my case, in particular, what was the ACTUAL AMOUNT of the fraudulent charge. They have been lying to me for almost three months now, that the person who victimized me somehow knew the exact amount in my account and only charged EXACTLY that. Well, that's impossible, and they refuse to answer the question law enforcement has asked me, WHAT WAS THE FRAUDULENT CHARGE AMOUNT? Not a good look.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one has been calling all most every day to call them back. went on their chat line and talked to a rep he said call back when I had phone # he said my CC account was up to date and no problems. That was the only account I had. Next day went back on chat line they said I had 2 other accounts under my name with their collection/recoveries dept and told me to call XXXX. Called on XX/XX/18 nothing was opened I had 2 account closed with a bankruptcy. I gave her the number she said call the do not call registry and register which I did on XX/XX/18. Now this number XXXX XXXX has called every day and left a message for a long time. I thought they wanted to raise my current CC limit. plus my answering machine was not working for about 3 week so I just did not respond. But then they just kept calling so I went online
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

Experian is showing a negitive charge off from XXXX XXXX for XXXX dollars. I have called XXXX more than three times asking to verify that this is not me and they say they have nothing ever in my name being sent to collection nor attached to my account. 

I contacted XXXX again today XX/XX/2019 and once again was told I have nothing showing for sent to collection or canceled in my name or social. they dont have anything to provide me other than my past full up to date and current billing hystory. 

I have submitted to disputes to Experian ( the only credit agency showing the debt ) and they have sent me back generic answers saying the debt is valid. 

Need to know what to do next. My next visit is with a lawyer. This mess has prevented me from buying a new vehicle and home this year.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

Citibank will not print, display on line, or email a statement if there are no charges made on the card for the statement period. This is true even if there are payments made on the account during that statement period. 

This results in the inability to balance the account. The card holder must call the customer service, escalate the call to a manager, and then request a letter regarding the payment. But they will still not send a statement. This must be done every month.
Consumer complaint received 2019-02-20
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: Bread Financial Holdings, Inc. (VA)

My dispute is with XXXX XXXX over their claim that ignored bills that were set to me.On XXXX XXXX I opened an account with XXXX XXXX, a woman 's clothing store. Beginning in XXXX. I began receiving numerous phone calls from XXXX XXXX which I ignored, not knowing who they were. No messages were ever left by them explaining the purpose of the calls. I then received an e-mail from XXXX asking me to call them concerning my XXXX XXXX account. Since I have no XXXX XXXX account and don't shop there I called them to let them know of their mistake. Before any conversation they demanded that I give them all my personal information including my dob, social security number, etc. When asked what the phone call was about they refused to answer until I first gave them all my personal information. With such an unprofessional approach I assumed they were identity thieves and that this was a phishing phone call. I attempted to call again with the same results. I received my first bill from the XXXX in XXXX for {$190.00}. The amount of purchase was {$53.00}. To this amount they had added numerous late fees. The disputed issue is the fact that I did not receive a bill from XXXX XXXX   until XXXX and they are claiming I was sent bills from XXXX Their communications with me all had XXXX XXXX return addresses as well as XXXX XXXX letterhead stationary. Since I have no account with them they were ignored. In XXXX an agreement was reached where I would pay half of the {$190.00}. XXXX XXXX notified all the credit companies of my delinquent payment and my credit score fell from the 800 's to the 600 's.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-08-08
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: EQUIFAX, INC. (GA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX  and XXXX XXXX
Consumer complaint received 2019-08-10
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: United PanAm Financial Corp. (CA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2021-07-15
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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. (DE)

I am appealing for your support concerning the misleading account on my credit report. The issue has badly hurt my reputation, and I need your help. Your mismanagement of my credit report has deeply damaged my standing, and these wrong details must be removed immediately.
Consumer complaint received 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I had a home loan held by Nationstar Mortgage, LLC, dba Mr. Cooper. I sold my home on XX/XX/2021. Mr. Cooper owes me an escrow refund of between {$2700.00} and {$2800.00}. This was communicated to me by the closing attorneys. As of XX/XX/2021, I had not received a copy of my check and I called Mr. Cooper. I had been in transit and feared that the check had been lost in the mail. As such, during our phone call, I asked that they cancel and re-issue the check. The refund check indeed showed up later that day. I called them back and customer service told me that the check had already been cancelled and re-issued, but that there was a five business day approval process and that it would be re-sent to me. 

As of XX/XX/2021, I have had not refund check issued. I have called Mr. Cooper customer service weekly, ever since, and every time, a customer service representative tells me that they have not found evidence of the reissuance but that they or their manager will call me back. I have never received a call back. On XX/XX/2021 at XXXX XXXX  EST, I called them again and spoke to a customer service agent named " XXXX '' ( spelling may be incorrect ) who told me that the check has never been reissued, but that she would properly have the check reissued and that it had to go through the five day approval process again. At this point, it has been over a month since the original reissuance request was made and it feels like I am getting the run-around. Nearly three thousand dollars of mine is being held and I very much need that money. At this point I am not sure where else to turn, but I want the company to be compelled to refund my money.
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (SC)

I sent a certified mail to Equifax demanding removal of specific accounts they sent a correspondence dated XX/XX/2022 that they will not be conducting an investigation in to particular accounts when I demand a removal not investigation. I have submitted an identity theft report with the reference number : XXXX They following accounts were listed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Grand Canyon Title, Agency, Inc. (AZ)

I attended XXXX XXXX University of XXXX of last year and couldnt pay the end of that semester of {$4000.00} because I got really sick and missed many days of school which made me fall behind my classes and I was nearly failing 2-3 classes toward the end of the semester. I let my counselor know of my situation and he dropped me from the school. Months later the school notified me of my pending balance but I let them know my situation and that I couldnt pay it and they told me that this would be disputed. I got no calls for the past couple of months or any letters saying I still owed anything until today XX/XX/XXXX that I guess this was sent to collections.
Consumer complaint received 2019-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (TN)

Was last getting paid off then check into saying not been paid after I Paid XXXX XXXX back just for a XXXX loan gotten a XXXX from the place I Paid it off that's yes it's paid In Full ... Believe that why my credit score staying low bc of theses places that Already Paid off ... is Advance America one Gotten Proof I Already Paid in full ... Still trying get proof of a few more ...