davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I contacted Citicards on XX/XX/XXXX three times. Each time the representative did not address my problem. The last representative said theres nothing we can do and we dont deal with interest charges. I also chatted with them and they confirmed that there was an error with the interest charged My problem is I was charged interest on purchases that were returned or credited by the merchants. The airline lost my luggage with everything in there and Ive had to return stuff. XXXX sellers were also were sending me the wrong items or they were damaged when I was receiving them. The first interest charge is {$19.00} on XX/XX/XXXX, XXXX was {$59.00}, and {$130.00} on XX/XX/XXXX and XXXX on XXXX, and You can see the refunds in the statement credits. Please recalculate the correct interest rate. Like for XX/XX/XXXX there is a positive balance left. The total after refunds and credits was around {$140.00}. Then there was an autopayment for XXXX. Also On XX/XX/XXXX the total balance due is XXXX after everything that is not {$130.00} dollars in interest. 

Herea my chat with them You at XXXX, XX/XX/XXXX : citi charged XXXX in interest charges however a lot of merchandise was in the process of being returned so the credits posted later in the month so i am being charged an interest rate for purchases that were later credited by the merchants. Like I ordered stuff from XXXX and XXXX but it was defective so I had to return it XXXX XXXX at XXXX, XX/XX/XXXX : Thank you so much for explaining in details as this really helps us! 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$19.00} Please let me see if I could do anything on this. 
I will do my best. 
You at XXXX, XX/XX/XXXX : im talking about XX/XX/XXXX the interest was charged on a XXXX order from XXXX XXXX XXXX which was later credit3ed on XX/XX/XXXX by the merchant XXXX XXXX at XXXX, XX/XX/XXXX : Please let me pull up your old card details. 
You at XXXX, XX/XX/XXXX : same with the XXXX order from XXXX XXXX XXXX at XXXX, XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$130.00} You are right, there are couple of returns on the account. 

I see the interest was charge on the previous card and as this card is no longer in use, it will not let me work on that. 

No worries, our account specialist team would have the access on this. 

Let me share the best number to you. 
The number for our account specialist is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week. 
I would also be right here with you.
Consumer complaint received 2018-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OR)

These are student loans I have been repaying since I completed my XXXX in 2000. In the past six months, my income-based repayment plan was rejected ( even though I made the exact same amount as the previous year ) so after exhausting all options, we finally agreed over the phone to a graduated repayment plan over 12 years that would begin around {$150.00} per month, with incremental increases each year, until year 12 when the increase would be about {$500.00} per month. The last thing the customer service representative stated after agreeing to terms and conditions is Great Lakes does not service these types of repayments so my student loans would be sold. XXXX is now the holder of the loans and claims they have no record of the terms and conditions agreed upon between Great Lakes and myself. I have contacted Great Lakes requesting my customer service history and they stated they will only release those records through legal channels. I am seeking resolution by securing full and non-redacted access to my Great Lakes customer service history for the past 12 months.
Consumer complaint received 2020-08-27
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. (TX)

I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX SUN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to confirm that these issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.
Consumer complaint received 2020-09-03
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: EQUIFAX, INC. (MD)

I was provided with incorrect information twice. on XX/XX/11 I was told that the account I was complaining about would be reported correctly on XXXX. I called on XXXX and was told I need to call the dispute department so they could add the account ( that did not make sense to me at the time but I did it anyway ). I spoke with the dispute department who told me they coud n't add an account and I can't dispute information that's not there. I asked to speak with a manager every time but was told they would just tell me the same thing the rep was telling me. It was extremely difficult to access a manger they fought me tooth and nail before someone finally transferred me. My problem with them is, I have  an account that is not being reported on Equifax but is reported on XXXX and XXXX. The creditor of 20 years told me multiple times that they are reporting it to Equifax but for some reason, Equifax is not reporting it. Equifax has by far been the worst agency to deal with, and I am a subscriber of their premier credit monitoring plan. I still have not had this issue resolved. Other creditors may pull my Equifax fico score and it would be incorrect because of their non-reporting, this would cause me financial harm in terms of higher rates or declined credit.
Consumer complaint received 2020-08-27
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. (FL)

I have found accounts that I did not inquire about listed on my credit report and would like them removed. This is fraud activity and I will not condone this further. I am not sure how else to tackle this aside from getting a lawyer but I would like these false reports removed immediately!
Consumer complaint received 2020-08-27
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. (MI)

This is the third complaint this month with Equifax reporting bogus information. XX/XX/2020 I received a credit alert regarding my XXXX XXXX account having been closed with Equifax only. Attached is the alert. My XXXX account information and the fact that I paid my car payment yesterday and the lease is only half finished. My XXXX account is absolutely open. This is blatant and fraudulent reporting.
Consumer complaint received 2020-08-27
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. (NC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Specific credit criteria for the cards range of offered interest rates was never provided in violation of federal laws. 
The highest rate was applied. 
The letters sent too late and only after a cfpb complaint # XXXX were addressed to another person. 
The barclays website 1. showed a higher FICO at the time of the account opening and also 2. a fake fico and fake credit report reasons was sent along with the erroneously addressed document from barclays responding to the original cfpb complaint. Theres no possible way any of those reasons belonged to me NOR would they result in a score as high as XXXX. My score was nearly 760 at the time of my application. 
No legal action or penalties have been levied against barclays for this rate scam and subsequent violation of federal laws.

See also XXXX See attached screencaps of docs sent and score from barclays website.
Consumer complaint received 2020-08-27
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: WELLS FARGO & COMPANY (PA)

I sold a home on XX/XX/2020. I started receiving phone calls from Wells Fargo in XX/XX/2020 that I was late on my mortgage payment. After explaining to Wells Fargo that I sold my home, they stayed they did not receive the funds. I told them the situation and ask that they not file delinquency since the situation would be resolved. They said they couldnt assist with this. I was informed that A wire transfer was sent by The Closing Specialists to Wells Fargo on XX/XX/2020 and they sent me a copy. The wire transfer states that if there was any error, the money was to be returned ASAP. The money was never returned. Turns out that the account number on the wire transfer for Wells Fargo was one number off ( not my account number And not information I had provided to The Closing Specialists ) and so the money sat at Wells Fargo until the two companies figured it out. The money was finally returned to The Closing Specialist and the wire transfer was finally resent on XX/XX/XXXX. However Wells Fargo still filed delinquency. They sent me a letter stating this was not my fault but would not assist with what affected my credit. My credit score went from XXXX to XXXX, which has affected the loan percentage Im getting to purchase a new home. If Wells Fargo has provided a letter stating what happened and that it was not my fault, I feel my credit score should reflect the truth. This entire situation was out of my control and I had no knowledge of it until gecalls. Also, if Wells Fargo received a check for {$120000.00} that did not go to any loan account and no one checked into, rather let the money sit in their bank to gain interest, this is negligence at best and fraud at worst.
Consumer complaint received 2020-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld System Inc, added a collection to my credit bureaus. I have not received any information from this company stating I owe this debt, or offering ability to dispute validity of debt. I do not owe this debt and have documentation to prove this is the case. This greatly is affecting me personally and my business. I was impacted from covid-19 being a XXXX. Please assist me in having this item removed permanently from my credit report.
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, Equifax & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} ( Paid ) Credit limit : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (WA)

XXXX XXXX XXXX master card there was fraud charge on XX/XX/2017 four charges in one day the same store in XXXX and I received text massage to approve or decline I decline in the same time and I received a phone call from the credit card company and I told them I didn't purchase anything that day from XXXX and they told me they will investigate in 90 days and after 90 days they sent me bill to pay all fraud payment and on XX/XX/XXXX my car was opened by unknown and took a lot of staff and l report the same day and I have police report but the customer service lady was very rude and she disrespect me like criminal instead of solve the problem after that I went to police station again and told the story they told me bring all credit card statement and we will write letter to them I did. 
after all this the damage my credit history from credit biro and still I didn't get resolve XXXX
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

I have recently been made aware that I have been involved in a scam where funds were sent from my Venmo account to an unknown entity. I was mailed a check for a requested service from an unknown contact through email inquiring about a potential private business opportunity. I sent an invoice for the deposit of private chef service {$640.00} and was asked to pay the chauffeur company on their behalf while vacationing in my city. I deposited the check XX/XX/XXXX First Horizon XXXX poplar XXXX, TN and requested the bank to verify the check {$4200.00}. The confirmed on XX/XX/XXXX the check was cleared. I and was informed to send {$3200.00} deposit to the chauffeur through Venmo XX/XX/XXXX. I received notice from the my bank XX/XX/XXXX the check for {$4200.00} was now declined and was a duplicate check number. This is a scam and the contact was not legitimate. The transfer of {$3200.00} was made on XX/XX/XXXX to a venmo account using the user ID of @ XXXX. I filed a police report with XXXX XXXX Department. I would like to know what the process is for having the funds returned and what kind of investigation can be done regarding this situation. I look forward to hearing back from someone soon.
Consumer complaint received 2020-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal Case ID XXXX In short I sold a phone to a customer on XXXX. I received {$330.00} for this phone through Paypal on XX/XX/XXXX. They told me they'd like to return the phone and I said fine. After I received the phone I planned on returning the phone. I never received the phone. Then Paypal/XXXX   debited my account {$350.00} on XX/XX/XXXX even though I never received the return. Now Paypal is charging me an additional {$370.00}.
Consumer complaint received 2020-08-26
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. (MI)

I submitted a complaint to the CFPB in regards to inaccurate late payments being submitted to XXXX, Equifax and XXXX on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX 

XX/XX/2020 LATE THIRTY DAYS The company XXXX XXXX has not completed the investigation within the time frame and keeps putting me off even though I have submitted documentation to the company in regards to the complaint. As a result, I would like the negative trade line REMOVED From my account entirely at all three reporting agencies.
Consumer complaint received 2018-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PMT Solutions, LLC. (TX)

Harassing phone calls disrupting my ability to use my phone, and interfering with my work. PMT Solutions called me from XXXX 10 times in less than 13 minutes on XXXX. This is a harassment and unneeded. They have called previously and hung up on me when I asked about being removed from the call list.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC. (OK)

Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from XXXX XXXX XXXX, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears Ally Bank and XXXX are possibly colluding to modify loan terms.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have asked for validation to 2 collections on my credit report which is XXXX  and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX XXXX is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

They are still refusing to give military members SCRA benefits. They are refusing to correct my credit so it reflects that a payment was made of XXXX. They will not forgive one late payment as my sister passed away, I am an XXXX, and finishing my XXXX XXXX. This company needs to be shut down!!!!
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.