davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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: BARCLAYS BANK DELAWARE (NY)

I enrolled my Barclays Bank credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between Barclays and XXXX. 

Through this program, XXXX began making regular payments to Barclays to reduce my debt. Despite these regular payments, Barclays continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. 

I have attempted to resolve this issue directly with Barclays on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. 

The agreement with XXXX  was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by Barclays contradicts this understanding and the nature of the debt consolidation program. 

I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/2021 Dear XXXX, I went to Best Buy on XX/XX/XXXX to pay the balance on my account. The clerk told me the balance was {$150.00} so I tell him that I want to pay {$100.00}. He typed something in the machine, I paid, and the next day I noticed in my bank account that they charged me {$600.00}. 
I went to the store again to ask what happened and the employee tells me that I had told him that I wanted to pay {$600.00}. I asked him why would I want to pay {$600.00} if I have a balance of {$150.00}, it has no logic. For this same reason I asked why he wouldnt have questioned me if he heard me say {$600.00} when the balance was much lower. I asked to speak to the manager and they told me to speak to XXXX Bank, which is the financial part of best buy and that they were going to return the difference. This overcharge caused me to have to borrow money from my son to pay rent and other bills. 
When I called XXXX they told me that even though they knew it was a mistake they would refund my money and it would take 5 to 8 days. I called after 5 days and they gave me another answer, that the matter would go to a dispute, and only after that the money would be returned to me. 
On two occasions when I called to ask for my money back, the customer service people hung up on me while I was talking to them. I began one of these calls by asking for the name of the employee in case I got cut off, and the representative said that he was going to make an electronic transfer and that he needed my account and routing numbers of my account. Unfortunately I did not have the routing with me and the transfer could not be made at this point ; by this point I had already spent 2 weeks waiting. 
I called the next day with all the information for the transfer. I gave this info to the person attending me and they told me that they were going to make the transfer. I waited a few days, nothing happened, I called again and they told me that they were going to send me a check that was going to take 5 to 8 days.

The check never arrived, I called again, they lied to me again saying that I never gave them my account number for the transfer and that they would send me a check by mail that would take 10 days. After 10 days I called again and they said I have to wait 10 more days. This happened two additional times. This started on XX/XX/XXXX, and still to this day I dont have my money back. 
They have disrespected me, they have humiliated me, they have abused me because as long as they have my money they have the power to do whatever they want with me and not solve anything. Until they feel like it, I am under their control. I only want what is fair, I just want my money back. This situation is very stressful. I have not been able to return the money my son loaned me, and he is demanding that money back from me. 
XXXX XXXX
Consumer complaint received 2019-06-13
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. (MN)

XXXX Equifax / XXXX I'm filing complaint due to the fact that None of you are doing your XXXX Jobs correctly XXXX XXXX XXXX Account acc XXXX each one of you are in full Violation of the FCRA This account has been and charged off But each one of you are reporting a past due of {$5400.00} how is this possible??? This account has to be deleted on charged off account their should be no past due amounts delete this account and send me a updated credit reporting once this item has been deleted
Consumer complaint received 2023-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number:XXXX
Consumer complaint received 2023-06-11
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. (FL)

I pulled my credit report on XX/XX/XXXX and found a 120 day late payment from XXXX XXXX. Despite that this account shows as 120 days late and is still open you continue to report it the same many days late including last month. Supposedly the alleged account was 120 days late on XX/XX/XXXX which is false because it was never 30, 60 or 90 days late. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to delete this inaccurate item you are in violation of the FCRA.
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

Without my permission, TransWorld Systems Inc sent letter to my address regarding alleged debt of {$80.00} to XXXX XXXX XXXX. Per 15 USC 1602 ( L ) this debt was paid and the purchaser of the new debt is the rightful owner.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (NC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2020-10-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Faxed in modification paperwork XXXX and another 9 times! Faxing again today XXXX! Bank keeps asking for paperwork, explained co-borrower no bank statements no tax returns due to under threshold! Now letter dated XXXX says out of review and now getting paperwork from an attorney about foreclosure!!!!!!!!!!!
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A company that didnt name themselves contacted me and said they were a processing and claims company. I had a debt from XXXX with XXXX XXXX and they were going to sue me for malicious intent to defraud in the amount of XXXX this was to include legal fees. 
I was scared and willing to set up payments. We did set up payments in the amount of 10 payments of XXXX dollars. This was to pay for the debt amount of XXXX. They added money for payments My account was withdrawn. They sent me a XXXX form to sign agreeing to this plan. When I received it. It looked non professional and I was worried. So, I XXXX  the company name on the form XXXX, XXXX XXXX XXXX address in XXXX Ca. And no business was found. However, phantom debt collectors came up. The company that withdrew the money from my bank was named XXXX XXXX. When I called back to ask for more legal documents proving why they were and providing my actual debt account information the lady started getting mean with me and said we will sue you then and Im adding an additional XXXX dollars for retracting these payments and forms. She then retracted the XXXX form and any other information that was on that document. They also withdrew 2 payments at a time and I was now even more terrified. I emailed back the XXXX email stating I wasnt refusing to pay my past debt but just wanted more information. The lady also said they didnt have to give me a name of their company or any further information making me more worried especially with her attitude. 
I wanted in good faith to pay back this debt if it was mine ( which I cant remember or even know ) but I am worried they are not legitimate company. I spoke to a XXXX XXXX who was very nice prior to speaking to the woman. The XXXX came from a XXXX XXXX and the reply support email is XXXX. 
If this company is legit I am more than willing to pay what is owed on my original debt but I would need legal documentation to guarantee who they are and my account is mine. I honestly dont remember XXXX having an XXXX XXXX XXXX. Please help me with this.
Consumer complaint received 2019-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

I have recently checked on my credit report through XXXX  and shows a negative remark on my file in regards to a medical bill that I did not know I had. It shows that it went onto collections for just an amount of {$53.00}. I always pay my bills on time, but never got a notice for this specific bill. 

In the report its labeled ( XXXX-XXXX XXXX XXXX   XXXX  )
Consumer complaint received 2023-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (GA)

I paid my final bill to World Financial online on XX/XX/2020 in the amount of {$320.00} they emailed me a receipt. Ive been fighting this charge off/ collection for two years. Ive disputed it with all the credit bureaus but they have stated that the can not remove it and WF refuses to respond and provide proof of debt. World Finance gives me the run around and never calls back, emails or mails me like they promise. They have me listed owing over {$400.00} on a closed account I paid and three years late on payments. My score has plummeted. When asked to validate they change the amount or date. They said they work under a new system and cant find the proof of payment on their side. They also sent me to collections after I kept disputing them, twice. Im beyond stressed and exhausted
Consumer complaint received 2019-01-25
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. (CA)

XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30 day late payments from my credit reports.
Consumer complaint received 2019-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

In XX/XX/2017, I submitted a complaint against this company ( Case number XXXX-XXXX ) regarding miscalculations of payments they had made on my loan payments. They continue to make errors on my loans and cause harm to me financially. 


Today, I received an email that my loan payments will be going up over {$100.00} per month due to Navient 's error of supposedly not applying capitalized interest from a forebearance to my loans when they entered repayment. Apparently, the " close review '' they did of my account in XX/XX/2017 didn't catch this error. Now, SIX YEARS into repayment I am told I owe more money and they are going to take it. This is ludicrous! If this kind of debt collection practice is allowed, what is to stop this company from reaching out to borrowers decades after they begin repayment and allege the borrower owes more? Four of my loans have been paid in full ; are they going to come back and tell me that they were wrong in that calculation and proceed as if I never paid anything? This can not be legal, and it must not be allowed. IF there was an error, which I doubt as I see an application of over {$2000.00} of capitalized interest to my loans on the date repayment began, Navient should have to eat the loss for their own error.
Consumer complaint received 2019-06-11
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: EQUIFAX, INC. (GA)

I have applied for a car loan and they are unable to obtain my credit reports due to the fraud alert that I have placed on my file. Also, I will need to add my contact telephone number to my credit file My contact telephone number is XXXX
Consumer complaint received 2023-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : 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 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 15 USC Section 602 states I have the right to privacy and these accounts violate my rights.
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

It sounds like you're writing to the Consumer Financial Protection Bureau ( CFPB ) to report unauthorized transfers from your account. Here 's a draft of your letter based on the details you've provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The address the of the fraudlent chase bak account was opened on listed is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ca XXXX please help i have serious disabilties and. Really cant be working i could use my stolen finds despretly rught now thank you XXXX Consumer Financial Protection Bureau 1700 G Street, NW XXXX  XXXX DC XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding two unauthorized transfers from my bank account, each for almost {$2000.00}. These transfers were made to a XXXX XXXX  account without my knowledge or consent. At the time of the transfers, I was in a mental rehabilitation center from XX/XX/XXXX to XX/XX/XXXX, which significantly affected my ability to manage or monitor my financial accounts. 

When I recently attempted to access my credit account information, I was shocked and distressed to discover these transfers. I had no knowledge of, nor did I approve, the creation or access of a XXXX account in my name. I am deeply concerned that my personal information may have been compromised during this period.

I request that the Consumer Financial Protection Bureau investigate this matter and help ensure that the unauthorized transactions are fully addressed. Additionally, I ask for guidance on how to proceed with disputing these charges and securing my accounts moving forward.

Thank you for your prompt attention to this serious matter. I look forward to your response and assistance in resolving this issue.

Sincerely, [ Your Full Name ] XXXX XXXX  Make sure to adjust the details where necessary and include any relevant account numbers or reference information if required. I hope this helps, and I wish you the best in resolving the issue!
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CT)

1. Citibank granted me Covid Defferal for 3 months however Citibank neglected to process the third month and put my account into a past due status. it wasnt until many calls later this had been discoverd. 
2. Egregious customer care 3. Inconsistant employee knowledge of CitiBanks protocals 4. Being told making a partial payment would keep my account from being past due however doing this put my account past due for two consecutive months when indeed it was not 5. Not being able to correct my account in a timely manor ... being told over and over it would take 7-10 business days to correct 6. My account being thrown into collections when it shouldnt have been 7. Being charged late fees in error and not being able to reverse in a timely manor 8. Damaging my almost perfect credit report ... falsely reporting three late payments ... FICO down to XXXX from almost a perfect score ... Citibank is the only bank to report late payments during covid 9. Being told Citibank wasnt responsible for correcting my credit report 10. Being denied credit with other banks due to Citibanks errors ( first time ever in my life ) 11. Sky high interest rate for an auto loan I was eventually given 12. Not being able to speak to the department responsible for correcting my account. THIS SHOULD BE ILLEGAL!!!!

13.. Having been told numerous times there wasnt anything representatives could do about the errors ... .WHAT?

14. Time wasted during lengthly phone calls, chatting online, writing and faxing a letter to an address I was given with no response.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I have a Care Credit Card. Ill be paying these card religiously since become open. 
Still the account does not go down. 
{$2400.00} dollars card, paid {$800.00} already, card still the same amount. I contacted Customer Service, I spoke with Supervisor XXXX ID # XXXX and she threat me 4 times to hang up the call, when I wasnt using any profanity. Because I work Customer Service myself, so I know how to conduct myself. I asked how many late fees I had because I really dont know by XXXX the due date, because they never sent me text alerts, which I chose for, and she said one in XXXX.. I asked can you waive that charge? As one time customer service..She asked me why? I work Customer Service.. I know how this work. I told her because I forgot to pay, I dont have clear the dates.. 
and she told me : you knew. She can not tell me that I knew because she did not know what I remember or what I forgot. I asked for another supervisor, no was available, I ended up hanging.I always pay late because I dont have an alert for this, they charge me apparently just one time, of course if they are ripping me off with the interest. {$50.00} dollars monthly like I owe {$5000.00} dollars, not even my XXXX XXXX loan.
Consumer complaint received 2020-07-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (CA)

Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CO)

In XX/XX/2020 I received an unsolicited " PayPal Cash MasterCard '' in the mail from PayPal. The card included is real and an account number has been assigned. 

I previously had an account with PayPal but the account has been closed for at least a year, likely much longer. I closed the account due to account security and privacy concerns and specifically requested that my account and all related information be permanently closed/disabled/deleted. 

I have attempted to contact PayPal and their card issuer but their automated system states that they can't handle my call by phone and to login to support a ticket ( which of course I can't do because I don't have an account, other than the new one they have apparently created on their own ). I have also opened a XXXX  case but PayPal has not responded. 

I believe this is a violation of the Truth in Lending Act. Hopefully someone can hold PayPal accountable for their unacceptable practices.