davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (KY)

I did not receive the right amount of funds that was sent to my XXXX XXXX XXXX  from the Kentucky unemployment office from dates of XX/XX/XXXX to XX/XX/XXXX of XXXX the amount did not add up I have my ky unemployment statements to prove it I asked for bank statements from XX/XX/XXXX if XXXX til XX/XX/XXXX of XXXX I requested statements 3 times for those dates they kept sending statements from XXXX which that date I never requested. I specifically asked for the dates of XX/XX/XXXX til XX/XX/XXXX of XXXX and never received them always the opposite of what I asked for.
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NV)

Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through credit karma that I am not under any obligation to pay this company. This company is illegally demanding payment.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

ACCOUNT NUMBER : XXXX Date Last Payment : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate High Credit : XXXX XXXX -- Credit Limit : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Last Reported : XX/XX/year> Inaccurate XX/XX/scrub>XXXX  Inaccurate XX/XX/year> Inaccurate
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

This company is a nightmare to deal with. I made my XX/XX/2018 mortgage payment on XX/XX/2018. Quicken/Rocket mortgage did not apply the payment properly. The credited it to Principal and escrow. They charged me a late fee even thought the payment was early. 

I made the XX/XX/2018 mortgage payment on XX/XX/2018. They credited the payment to XXXX and charged me a late fee even thought the payment was early. They are now claiming I am in default. 

I emailed them and called them. They refuse to correct the error. It is a scam.
Consumer complaint received 2018-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (AZ)

Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC (VA)

Just received an alert while I was laying in bed a hard inquiry for a auto loan at flagship I have no idea what that is and I have enhanced protection on my credit so Im not sure how they were able to push a hard inquiry through
Consumer complaint received 2024-10-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : Jefferson Capital Llc XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/year> - {$0.00} BANKRUPTCY - XXXX - XX/XX/year> - XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC (NY)

To whom it may concern i need these accounts removed asap off my credit report. 

XXXX XXXX XXXX [ XXXX XXXX ] Account XXXX  XXXX {$1000.00} XXXX XXXX XXXXt [ XXXX XXXX XXXX  XXXX XXXX ] Account XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ] Account XXXX  XXXX {$1400.00} XXXX XXXX XXXX [ XXXX XXXX ] Accont XXXX  XXXX {$1100.00} XXXX XXXX XXXX [ XXXX XXXX ] Account XXXX  XXXX {$2700.00} XXXX XXXX  Account XXXX  XXXX {$5400.00} XXXX XXXX XXXX Account XXXX  XXXX {$620.00} To my knowledge 15 USC 1692 ( C ) -- - IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT A CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS!
Consumer complaint received 2024-10-05
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: GOLDMAN SACHS BANK USA (NY)

On XX/XX/year>, I purchased from XXXX XXXX items totaling {$160.00} using my Apple Card. Several days later, I received an email notification noting the package was delivered to my home address on the afternoon of XX/XX/year>. However, I never received the package. I called XXXX immediately and they were unwilling to assist with the circumstances. I called Apple Card, and disputed the {$160.00} XXXX charge by explaining to them that I had never received the package. They took weeks to review my dispute, and ultimately denied my chargeback. Over the course of the past 6 months, I have called Apple Card several times after to dispute the charge, and they have denied to do so multiple times. It is unfair to ask me to pay for the items when I never received them.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. XXXX. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXXXXXX XXXX account number : XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to formally request the removal of late payment entries on my credit report, which I believe are in violation of 15 U.S.C. 1681a ( d ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ). Specifically, I am concerned that these entries might fall under the exclusion outlined in the statute and should not be included in my credit report. 

1. Account Information : Account Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Late Payment Entries : [ any/ all ]
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (AZ)

Citibank has entered into a program of denying credit to gun manufacturers. I believe that this undermines the Second Amendment and is contrary to a free and open society. It is particularly disgusting because Citibank received bailout assistance from the very government that it is trying to undermine. 
I request that the CFPB conduct a complete investigation into the lending practices of Citibank, particularly in relation to loans to gun manufacturers. 
XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

This is a complaint against citi and its Costco Visa Card. 

I had received a refund on couple of big ticket items purchased on this credit card. The merchant refunded the money in end of XX/XX/year>. Since the amount was about {$2100.00}, and my typical credit card bill is about $ XXXX {$400.00}. I reached out to Citi to issue a refund on the funds in first week of XX/XX/year>. In my initial call I was told- it takes a week for them to make sure the refund is received when it clearly shows that it was showing as a refund in the account balance. Then it takes 2-3 weeks to get the check in the mail. I asked if there was any way to speed this up and was told that is the process. 

After weeks of waiting for {$2100.00} that the credit card company had nothing to do with, I called again on XX/XX/XXXX at XXXX. After put through a maze of automated questions where this was not an option, i finally managed to reach a representative who essentially told me a check was issued on XX/XX/XXXX and mailed to me. I had not received it and therefore I had called. I was told it would take 14 days to conduct an investigation. It takes this bank 14 days to see if the check has cleared, make a stop payment on previous check, and issue a new check. Seriously? After citi 's investigation they would inform me the next steps and possibly issue a new check. When i kept complaining, they told me there is another way to refund my money - issue a direct bank deposit, Why was i not offered this option before? When I asked for a supervisor - I waited for over 25 mins when the phone was disconnected with no attempt from Citi to try and address my issue. Why would they? They have my money and i am now at their mercy.
Consumer complaint received 2016-11-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC (AZ)

XXXX XXXX XXXX XXXX on behalf of Jefferson Capital system llc has keep sending me letters to try to collect a debt that is over 7 years old i have repeatedly asked them to stop they also keep reporting this on my credit report. this debt is over 7 years old. XXXX had this before after disputing it they finally removed it but then these guys started. how am i suppose to clean my credit up when it always get reported as new stuff that is very very old
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$21000.00} XXXX - XXXX - XX/XX/XXXX - {$4400.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX - XX/XX/XXXX - {$230.00}
Consumer complaint received 2024-10-04
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: U.S. BANCORP (MA)

This bank is just terrible. I understand why they have so many fines and why they have so many poor reviews. They give people the runaround with their money instead of just giving them their money and cutting ties with them. Its almost like they just want to do all this hassle because they wan na keep getting fined by certain government agencies. I had fraudulent charges on my card visa determined in my favor because they were unauthorized provisional credits that will finalize and resolved. I have a secured car meaning I put my money down and Im not liable to fraud under the credit act. Its been resolved and it was determined fraudulent posted to my account now theyre telling me that theres a 30 day hold as they review the claims. They trying to pull this XXXX because I want to close my accounts including my business account that does multiple {$10000.00} a month and theyre trying to do whatever they can not give me my money. Ive already filed A complaint with the federal reserve and the XXXX Im not letting go of this until this Company gives me all of my money. I will go to the furthest until I get my money. I dont care what happens. U.S. Bank and tell me if they want to, but it wont be good and they will regret it in the near future
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NM)

ON XX/XX/year> AND XX/XX/year> AND XX/XX/year> ALL AMOUNTS WAS XXXX I HAVE SET OFF THE ACCOUNT IN GOOD STANDING WITH A XXXX AND A 1099A AND 1099C THE COMPANY HAS NOT SET OFF THE DEBT AND CALLING MY PHONE EVERY OTHER DAY THREATING TO REPO MY VEHICLE, THEY NEVER SENT 1 FINANCIAL INSTRUMENTS BACK AND REPORTED ME TO THE BUREAU, I FILED A COMPLAINT WITH ALL 4 BUREAU 'S RECIEVED A EMAIL TODAY STATING THEY WILL NOT REMOVE THE INACCURACY OFF MY REPORT MY SCORE HAS DROPPED DRASTIC BECAUSE OF THE REPORTING I NEVER APPROVED, PLUS THEY HAVE SENT ANOTHER REPORTING TODAY TO THE BUREAU 'S STATING DELINQUENT MY SCORE HAS DROPPED 3 MORE POINTS TODAY.
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (PA)

I am being held responsible for a purchase I did not make and was billed for by the loan company affirm. A purchase was made from a company called XXXX XXXX XXXX in my name and appeared on my account as a {$90.00} loan. I have confirmed with the company XXXX XXXX XXXX  that I did not make the purchase and no items were sent to my address from them. 
Affirm refuses to correct the issue stating that I am responsible for paying for something I didn't buy or receive. 
I sent affirm an email from the company XXXX XXXX XXXX  stating they do not have any record of any purchases from me or of anything being sent to my address. The shipper does not have any record of it either. This is either a case of identity theft or a billing error on the part of the Affirm company. 
I have reported to the XXXX XXXX XXXX  but Affirm chose not to resolve the issue at that time as well. 
I have asked affirm for documentation of their ''investigation '' showing that I am responsible for this purchase and never received anything. 
Today I received an email stating that they are going to report the loan of {$90.00} as delinquent to credit reporting agencies.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (LA)

I just check my statement and realize my balance is over {$1000.00} for a credit whose limit is {$630.00}. The last time I check the balance was 16 months ago and the balance was {$400.00} ish. I make my payment every month. From start, they have been charging me interest even though they said I have 24 months with no interest and after I realized they charge me more {$500.00} on extra fees, I called the customer service and they said they charge me 50 % of what the balance is. I don't get it. This is not alright.