davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I pay most bills directly through my checking account. I 've never had an issue until now. I had a scheduled payment of {$340.00} for my school loan with FedLoan. According to my checking account on XX/XX/XXXX {$340.00} was taken out by the Dept of Ed. XX/XX/XXXX I received an email from FedLoans stating that my account was past due. I called customer service the same day and informed them of the error. I was told that no payment shows up on their end and I should check with my bank. When I contacted my bank they were able to see that the money was taken out and is sitting with FedLoan 's bill pay company XXXX. My bank tried to schedule a 3 way call with me, the bank and XXXX. XXXX refused to speak on the recorded line. My bank advised me to to call my lender again and explain to them what 's going on with XXXX. My bank even opened a case and had an incident number ready. XX/XX/XXXX I called FedLoan again but the customer service rep did n't have much to offer regarding XXXX. She simply said email or fax proof to FedLoan that {$340.00} had been taken from my checking account. She also told me I should sign up for automatic payments. NEVER! ( I had done this before with FedLoans and had gotten screwed when {$600.00} was taken out by accident. ) That same day I emailed and faxed my bank statement. In the meantime my bank encouraged me to make another payment ( using another method ) to FedLoan since I was in a late status. On XX/XX/XXXX I made a payment directly on the FedLoan website. This morning I received an email notification from FedLoan. When I logged into my account there was a letter dated XX/XX/XXXX stating that my XX/XX/XXXX payment was still past due! Mind you, the payment I made on XX/XX/XXXX is reflected on my FedLoan account online. As of right now no one from  FedLoan has responded to me or my bank and someone still has my {$340.00}. To add insult to injury I also read a letter on my FedLoan account about my employment certification for the Public Service Loan Forgiveness program. They are still giving me the wrong start date. The whole situation stresses me out. I work hard to pay my bills on time and keep my credit in good standing.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid 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: Comerica (VA)

It's supposed to take me 10 days to get a credit of provisional credit I haven't gotten a provisional credit and they trying to make me wait 16 days and I've been with direct express since 2011 and I have to pay bills and I don't have money to pay bills or eat
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

6 mos. ago, I had looked at my XXXX credit report and found, along with the other 2 major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all 3 credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by XXXX sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!
Consumer complaint received 2017-08-31
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. (MI)

Dear Exquifax, I recently received a copy of my Exquifax credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into the following creditors : XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX.
If you find I was not the one who authorized these inquiries, I ask that it be removed immediately from my  credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 

If you find that I am in error, then please send me proof of this. 


Thank you in advance, XXXX XXXX
Consumer complaint received 2017-05-31
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: WELLS FARGO & COMPANY (FL)

Fraudulent. Transactions on  my. Wells Fargo.   XXXX   ( as per uploaded picture ). Police are treating it as a stolen card. But Wells Fargo think I  used it even though The Person in question is on  XXXX . Fraudulently using my card in the  XXXX .  XXXX .
Consumer complaint received 2024-09-27
Product: Credit 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: BARCLAYS BANK DELAWARE (NH)

In XXXX of XXXX, my Barclays Credit Card ( XXXX ) was compromised for a total amount of {$640.00}. A scammer pretending to be XXXX made XXXX erroneous charges of {$49.00}, that I did not authorize or agree to. I reported this activity to Barclays Fraud Department within a day of them taking place as I learned of them on XX/XX/2024. Barclays Fraud Department investigated for 42 days and I received several claim denial letters on XX/XX/2024 that were dated for XX/XX/2024. When I spoke to Barclays Fraud about the claim denials, only then ( 56 days later ) did they tell me that I filed my claim with the wrong department and that I had to file a dispute with Barclays Disputes. I filed a claim with Barclays Disputes on XX/XX/2024 for all 13 transactions and received letters dated XX/XX/2024 confirming my new dispute ( XXXX ). These claims were again denied in XXXX of XXXX  as the claims department then told me that I needed to dispute these transactions with fraud. Barclays Bank was passing my claims back and forth between fraud and disputes, until finally fraud officially told me that these claims needed to be with disputes and that they would not investigate further. Following this second denial, I then partnered with XXXX, my identity theft protection company, to have them assist me with my fraud event and with their help we provided Barclays Bank Disputes department with a complete claims kits that supported my claim for fraud. We spoke to Barclays on XX/XX/2024 and requested that the original claim be re-opened and re-investigated utilizing the documents that were sent to them by XXXX throughout their investigation. Yesterday, XX/XX/2024, I received claim denial letters yet again from Barclays Bank advising that " too much time has elapsed since the transactions have taken place ''. This is untrue as I reported everything to Barclays Fraud AND Barclays Disputes within 56 days of the transactions taking place. Barclays Fraud Department did not do their due diligence in advising me of where my claim was " supposed to go '' and instead waited 42 days to tell me anything. I reported it to Barclays Disputes as soon as I knew I was supposed to and I supplied them with all the documents I could to support my claim for fraud, including a report I filed with the Federal Trade Commission ( Report # XXXX ). Barclays has not handled my cases appropriately and I am requesting that this be investigated and resolved in my favor. Again, I did not authorize these transactions and Barclays had failed to accurately advise me the proper way to dispute these transactions. Barclays XXXX Bank transactions reporting timeframe is 60 days and I reported all transactions within 56 days.
Consumer complaint received 2017-05-31
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

My wife has been receiving calls from National Credit Adjusters ( account # XXXX ) acting on behalf of XXXX XXXX on an alleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the XXXX XXXX area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked National Credit Adjusters for the address of XXXX XXXX, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in XXXX They also stated that the individual that obtained this loan put down their place of employment as XXXX XXXX, which I worked there, but not in XX/XX/XXXX when this loan was allegedly obtained as I have been employed with XXXX for 7 years. I was finally able to find a phone number for XXXX XXXX and address ( XXXX XXXX XXXX XXXX, OH XXXX, ph # XXXX ). I followed the prompts, option 1, option 1 again, then option 2 for past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a good 25 minutes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by XXXX XXXX XXXX. I called them and they told me that the account was recalled back by XXXX XXXX XX/XX/XXXX and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (GA)

On XXXX I made my usual payment, which I typically schedule to be withdrawn on the day my paycheck is deposited into my account. This has worked seamlessly for me in the past, as the funds from my paycheck are available at the time the payment is processed. However, I was surprised to find that this particular ACH payment was returned, which has caused me significant confusion and concern. 
Despite having spoken with several representatives, none were able to provide a clear explanation for why this transaction was treated differently from my previous payments. I want to emphasize that I have consistently made payments in this manner without any issues arising, as my funds are available immediately upon deposit. 
As a result of this returned payment, I am now facing complications with my credit card usage. I have already made purchases with the card, and the returned payment has led to a situation where the charges and the payment effectively cancel each other out. I am worried about the potential repercussions, including the possibility that my credit card issuer may restrict payment methods, delay or hold future payments, or even close my account altogether.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment thank you.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

I had an auto loan with Wells Fargo for a vehicle that was involved in an accident in XXXX  and declared totaled. The insurance payout was used to completely pay off the outstanding balance on the loan. Despite this, my credit report reflects negative information regarding this account, which should not be the case since the loan was paid off following the total loss of the vehicle. 

Relevant Dates and Amounts : Date of Incident : XXXX  Insurance Payout and Loan Payoff Date : XXXX  Original Loan Amount : {$12000.00} Insurance Payout Amount : Approximately {$6000.00} - {$7000.00} Actions Taken : After the vehicle was totaled in XXXX, I filed a claim with my insurance company, which they processed successfully. 
The insurance company issued a payment directly to Wells Fargo, which was applied to the outstanding loan balance, effectively paying it off. 
Despite this, Wells Fargo has reported negative information to the credit bureaus, indicating a derogatory status on this account, which should not occur given the circumstances.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer.

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
DISCOVERBANK ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) The inaccurate reporting of both my account status and payment status by DISCOVERBANK ACCOUNT # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

Thank you! 
XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (NJ)

I set up 2 payments of {$120.00}. with representative XXXX at XXXX XXXX XXXX was to occur on the XXXX of XX/XX/year>. The XXXX payment was to happen " XXXX '' weeks later on the XXXX of XX/XX/year>. 

I was clear on the call with XXXX that I could not afford to make back to back payments, but if the XXXX payment was " XXXX '' weeks later, I could set it up. XXXX ( XXXX ) agreed to take payment XXXX weeks later. 
XXXX credit took the XXXX payment " XXXX '' week later on the XXXX which I never agreed to. 

That unlawful access to my account put me in a terrible situation, more terrible than I was already in. 

Note : I had been out of work do to an injury since XX/XX/year>. I had fallen behind and was trying to make an honest effort to meet my financial obligations. XXXX illegally removed my money against the agreed arrangement on a postponed payment from my checking account. 

I spoke to XXXX managers ; XXXX ( # XXXX ) on the XXXX, who said she would have it investigated. Then the following day to XXXX, unit XXXX. XXXX was illusive and wouldn't answer my question. He only said it was a valid withdraw. 

( I never received an email or postal mail in regards to the agreed payments either ) I have had my bank start an investigation and hopefully have my funds returned.
Consumer complaint received 2016-05-21
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NC)

I put money on RushCard, my entire paycheck, and a few days later my card was declined at the store. I knew I had the funds so I called them to find out what the issue was. The money was there but without my permission or knowledge, RushCard blocked my card. This is something they claim ca n't be undone. I had to wait to be sent a new card and in the meantime, no money. Nothing. I get XXXX cards delivered and they ca n't activate either after being assured by a supervisor that activation would n't be an issue. Time it takes to notify corporate to manually activate a card? A few BUSINESS days ( the exact number dends on whow i talk to ). While I wait, my card remains blocked. While they try to figure out THEIR issue, they still refuse to unblock my card. They have the most non-caring, ignorant cust srv reps that I have ever encountered in my life who ca n't half speak or understand XXXX. They apologize, that 's it. That. Is. It. Escalated issues are not handled there but at corporate office and you ca n't find a phone number or address or get it from the cust srv. They give you an email address, not to corporate, it goes back to them. It is scary that people that essentially steal money are allowed to do business in this country. As of today, I still do not have access to my own money. When I call, I continue to get the run around and the number of different updates I 'm given on my account depends on the number of representatives I talk to. I need my money for groceries, bills, gas and no one should have the right to put me in a position where I ca n't pay my bills and access the money I worked for. RushCard caused this situation, as well as others and as usual they are n't doing a thing to rectify it and THOUSANDS of others will and have experienced thsee same issues.
Consumer complaint received 2016-05-21
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Triton Management Group, Inc (AL)

A few years ago I applied for a payday loan at Always Money located off of XXXX XXXX XXXX in XXXX, AL. This company went through name change and my last known balance with them was about {$330.00}. Also this company went through management changes so many times that it got to a point where they could n't find my account in the system and that they said I did not owe them a balance anymore. Now, it 's been a litigation office that calls me non stop almost every day about this account stating that I owe them about $ XXXXplus on the account. The name of the company is XXXX that is located off the XXXX XXXX. They would not give me there full address because of privacy reasons. They call from unknown numbers, local numbers and toll free numbers. When I look up their info on the internet it reads Fraud/Spam and the customer reviews says the same thing. A lady named XXXX XXXX from XXXX says that she will have my located on the premises of my job if I do n't pay them. I feel that this company is a spam and I dont want to give them any account information over the phone to pay them. They call me all day every day and if I fail to answer them they will call my sister, aunt, mom and harass them too. That is also embrassing and I dont know how they could possibily had got their phone numbers but we do not have a common name so that may be the reason. Is it true they can come to my job and serve whatever it is? They never verified my place of employment.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rushmore Service Center, LLC (MA)

On XXXX/XXXX/16 I placed a call to the Agency In an attempt to request validation & verification on said Debt that they allege I owe. I requested the Agent to provide to me their Business License in the state of Massachusetts and I was instructed to 'contact ' the 'District Attorney '. 

The Agent placed me on an extended hold in an attempt to get me to hang up.
Consumer complaint received 2021-11-25
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

After submitting requests for a free credit report to the three relevant agencies, credit report services one and two, promptly answered back with current reports. However, equifax, refused to send siting more information needed even though the same information was provided for them as for the first two. After several attempts to provide what they needed, they continued to ask for more information - which we are loath to supply given they have had security breaches in the past and shouldn't require more or different information than the first two agencies.

Attached are partial summary sheets provided by the first two agencies to prove they should be able to provide the information that is rightly mine : the third and final credit report. Thank you for your prompt attention to this so that we may move forward in life. 
With Gratitude.