davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NY)

ATTENTION : executive department of Paypal, CEO, In reaching out to a Paypal rep today about my chargeback of {$89.00} that according to her was made before my cancelllation request and company confirmation on XXXX XXXX, I took the suggestion of the company to cancel Paypal recurring charges, days after I independently changed the options on the website to " no recurring charges ''. I also put a stop payment on the company, XXXX, right afterwards they charged me the {$89.00}.

Currently, I have a few refunds coming my way through Paypal, and my fear is that Paypal will illicitly deduct {$89.00} from my refunds before providing me with the remainder.

Again, this is illegal, and infringes on my rights as a protected consumer. 
I request equitable and fair treatment as all human beings do as such. 
Most kind regards, XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I do have a letter from XXXX as the data furnisher stating they have " REMOVED '' the bankruptcy from my report. also I have a letter from the bankruptcy court stating they do not share or verify information with credit report agencies. So please either provide me with the method of verification you used in your verification process or remove this bankruptcy from my credit file to not being in violation with the FCRA. 
Also ask the data furnisher XXXX or the bankruptcy court. and provide me with all the verifying process details, such as the person 's name who you have verified with, their address and phone number. I am providing you with a copy of the bankruptcy court stating emphatically that they do not share or verify information with any third party such credit report agency. so the response i received from Equifax claiming they have verified with the bankruptcy court is a big lie, they are violating the FCRA. 
According to the FCRA the information should be verified with the original source or creditor, i do have a letter from the bankruptcy court stating emphatically that they do not share or verify information with third party such credit report agencies, also XXXX as the data furnisher has sent me a letter stating that they have removed this bankruptcy from my XXXX report. so as Equifax is unable to verify this information accuracy with the original source, you should remove this bankruptcy from my credit file immediately.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (TX)

Barclaycard credit card company allowed a fraudulent charge to remain on my credit card account. I never received anything from the merchant XXXX Please refund my {$1000.00} on XXXX/XXXX/15 I 'm requesting resolution from Barclaycard Thank you
Consumer complaint received 2020-10-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AXOS FINANCIAL, INC. (CA)

XXXX the company I worked for coached and marketed me through company email for salary finance company Through hard times and pandemic it sounded great. 
I later lost my job and my payment for salary finance was taken out of my paycheck every 2 weeks could not be withdrawn.

I reached out to the company on many occasions with no help.

Since then they have attached 10 late payments on my credit report I have payed the total amount owed even though they would not help me in any situation. 
They promised they would remove the last if I paid the balance in full. I payed and they have not adjusted my report.
Consumer complaint received 2020-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

FedLoan Servicing notified me that I was required to submit the annual recertification for the IDR plans on my federal student loans. I timely did so, but have since learned from the U.S. Department of Education that  this was a false and misleading demand -- as, due to COVID-19, the deadline to recertify IDR plans has been extended for at least 12 months. This means, for example, if I was scheduled to recertify on  XXXX XXXX, XXXX, I was not required to recertify until XXXX XXXX, XXXX. And because of FedLoan 's false recertification demand and threat to take me off the IDR plans, my new calculated IDR payment is much higher than if they would have let me know that I was not in fact required to recertify for at least another 12 months. Because of their deceptive notification and practices, I demanded that FedLoan roll back my recent recertification and put my previous monthly amount back in place -- but they refused to do so. I hope that CFPB can hold them  accountable for this.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Patenaude & Felix A Professional Corporation (CA)

I have a co-signer on a student loan for over 10yrs Now and would like to be removed. XXXX  advised that you are the ones who decided. They declined the application to remove me as a co-signer. The loan is in good standing and the only reason why is because they co-signer was not on auto debit for the first 48 mo. I believe this practice is unfair and harming. The loan is in good standing and the signer ( XXXX XXXX ) is capable of making her own Payments and has good a credit standing
Consumer complaint received 2020-10-15
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: CITIBANK, N.A. (TX)

The account is still showing negative information on my credit report as of XX/XX/2020. I have gone thru bankruptcy and dispute with the three major credit bureau and third party bureau. All my information has come back to verify. This is affecting me to move forward.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (TN)

I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a dispute ( s ) with Equifax regarding accounts reporting on my credit report on XX/XX/2020. Equifax received my dispute letter on XX/XX/2020. On XX/XX/2020, I mailed them a 30 day no response letter. It is now XX/XX/2020 and I still haven't received a response from Equifax.
Consumer complaint received 2020-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE FARM BANK, FSB (TX)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NV)

This is regard Citibank, There was about 6 transaction ... ..that came from XXXX XXXX which is Frad because i never used my Citibank card that has to do with XXXX ... .The only suspect was probably when i went to the drive through to despite my money around XX/XX/XXXX there was a man ( with no car ) playing with the ATM at the drive through, for what reason he was doing there ; i don't know maybe he hacking into the machine ; i don't know but i want my money back!!! there a COVID-19 issues and i need my money ... 

I have also looked up on what XXXX XXXX is, it seem it's been going around and stealing people money ... without having to used your credit card ... so there is hacker out there ; around this horrible time of moment, stealing people money.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I am a military member of the XXXX XXXX in XXXX XXXX XXXX   abroad. 
To receive my salary, I have a bank account at the XXXX XXXXXXXX XXXX in XXXX, USA. 
The transactions are made between this account in the US and an account, also in my name, in XXXX. 
On XX/XX/2020, I created a transfer from the US to XXXX, worth USD XXXX, which discounted the fees, would be at the date XOF XXXX via TransferWise. 
The confirmation of such transfer is attached, which includes the transfer code, my identification code, the partner bank, the destination bank, the values and the date. 
The planned date of completion of the operation was XXXX XX/XX/2020. 
The allegation is an international policy against dirty money of illicit origin. 
After the problem, TransferWise offers imprecise advice, slow, eluding end avoiding responsibilities. 
On XX/XX/2020, TransferWise sent a message announcing the interruption of XOF transactions, also attached. 
I have not been prompted to submit documentation that attests or supports the suitability and lawfulness of the money involved. This is my monthly salary. 
TransferWise does not direct me and does not offer me subsidies for a lawsuit, such as - documents questioning the reason for the refusal of the money, - date of refusal of the money and name of the partner who refused, - tracking of money, - names of partners, etc.
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citibank will be closing my account that I have never missed a payment on due to a Macys account that had to closed because I went on XXXX XXXX early during the Fall of 2018 and fell behind. I did my part and called Macys and was told I could get on an auto draft payment plan until balance is paid off. I had no idea that Macys was under Citibank. Macys statements do not indicate that they are under Citis umbrella. Citibank emailed me that my Citibank credit card would not be reissued because of a payment plan I had. The letter doesnt specify what account and I only have one Citibank credit card. I called customer service and talked to 3 people and they couldnt tell me account was on a payment plan and that they couldnt do anything. Mind you I have never missed any payments with Citibank.I had to ask for a supervisor and he couldnt tell me either then he mentioned that they have several umbrellas such as Home Depot and Best Buy. I had to go over what store credit accounts I have with the supervisor in order to find out it was my Macys account that is effecting my Citi card. Citi does not equip their reps with the info they need to assist their credit card consumers. Yet even though I have not missed any payments on either account and have paid on time Citi fails to care about their customers that pay on time. I practically spent my income tax return on making big payments on my accounts to work on my credit score and finally got it up to XXXX because I am trying to open my own XXXX. Once Citibank closes my account my score will drop again. This is unfair and a waste of money if Well paying consumers receive the same consequences as if they delinquent. Please help. Im just a single parent of XXXX  trying to make it on own my own and be financially responsible and stable to provide for my kids. This is not the time to penalize consumers during this pandemic. Like everyone else I have not been able to work and I still made sure that I paid both my Macys and Citi credit card and this is the way Citibank treats their loyal paying customers. I have attached my Citibank payment history and my auto draft history to Macys from my banks app along with Citibank letter. Thank you.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2017, last date to pay vehicle note before penalty, I received call from Wells Fargo Dealer Services. XXXX ID XXXX informed me of late fee due today. I reminded her that the XXXX day was today and no late fee should be applied. She continued with the amount of the late fee : {$100.00} ; and said that the late fee is added the XXXX day. Why should it even exist when the consumer ( me ) is paying on the XXXX day? I refused to pay her total {$450.00} that includes the said late fee, but paid the monthly {$350.00} ( {$350.00} ) over the phone. 
Each time I have had difficulty with Wells Fargo Dealership and presented my concerns to CFPB, it was resolved with justice.
Consumer complaint received 2021-12-16
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. (VA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-05-07
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. (CA)

I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (NC)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have tried to contact the bureaus but there seems to be no way to easily contact any one of them. I moved my investment account selling XXXX or so in bonds and but it in stocks I already owned. This was because of inflation risk. I did not take any money out of the investment accounts and they as saying I have to pay down XXXX of student loans for my credit to go up. I virtually have no other debt and only XXXX in student loans and have worked the entire duration making 96 to 99 qualified payments on my student loans and only have 22 payments to make before the loans are completely forgiven under the XXXX XXXX XXXX XXXX XXXX before they are completely written off about XXXX dollars. I do and am not required to make extra payments as under the program extra payments do not count towards forgiveness. 

I work for a XXXX XXXX XXXX XXXX and dont have XXXX of payments left to make and I will resume making payments on them when the Covid 19 which made loans of this nature exempt during Covid 19. 

If they would look i. Have just as much money XXXX in cash as I had before and am not required to make XXXX in student loan payments and they are incompetently reporting and violating federal laws by including them.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I was hacked on XX/XX/2019. As soon as I caught on what was happening, I shut everything down and contacted all credit cards involved. I filed an IC3 ( FBI ) report by the suggestion of my local law enforcement because they no longer handle internet crimes. Since then I have been fighting with Synchrony/Walmart Bank ever since. They are refusing to take this crime seriously because of how it happened. The hackers were holding my computer hostage until I complied with their demands. They had locked me out of my computer, I was threatened and coerced continually. The hackers sent me an email with a copy of a ( fake ) check stating they were going to pay me back for the purchases. The hackers were identifying themselves as XXXX Tech Support. They had my computer license number and were able to get into my computer where they started charging on some of my cards. So because I was threatened and coerced to go buy these game cards to get my computer back, Synchrony/Walmart is refusing to say this was fraud. I tried disputing the charges and I would get the same answer. They are flat out refusing to take this crime seriously! My Amazon account was hacked also but after months and months, they finally settled the issue because they finally understood the purchases were fraudulent. My Amazon account is also with Synchrony. I have given them everything regarding this issue and they still refuse to settle this. In the meantime I'm being charged late fees and interest. This has impacted my credit score in a negative way. I have all the documents that were sent to them numerous times. I am a XXXX person and I live on a fixed income. I still pay my bills and pay them on time but I don't feel I should have to pay for what the hackers did to me! I did everything I was suppose to do but Synchrony/Walmart is not!