davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have paperless billing. Every month I receive online notices that my statements are available. In XXXX I received the online notices that XXXX of my credit card statements were available. When I logged into my account, the statements showed payments were due by XXXX XXXX in the amounts of {$220.00} and {$36.00} respectively. In response to these statements I made the respective payments that same day, XXXX XXXX. Later that month, I was online and saw that the bills were marked " unpaid. '' I did an online chat ; the representative examined my accounts ; saw the payments ; and replied that the bills were indeed paid and were not unpaid. The following month I received bills that I was past due for the two payments. On XXXX XXXX I went into the local branch and spoke with a local branch representative, XXXX XXXX, who called and spoke with a credit card specialist, XXXX XXXX XXXX, XXXX, CA. in my behalf. She put him on speaker phone and was present as he examined my account and told me that because I paid the XXXX credit card bills on their statement closing dates, and " since [ I ] paid them on the closing date the payments went toward XXXX [ not XXXX ] and technically I made a double payment for XXXX ''. He told me he did n't know why the system generated and emailed me my billing statements on the closing dates and to " never ever pay on XXXX anytime again ... I do n't know why you were alerted on last date of statement ... new software ... still have time to correct it ... you will hear from someone in a week ... two payments made on XXXX XXXX for XXXX billing cycle were applied to XXXX cycle ... '' He told me he would reverse the late penalties ( {$27.00} each ) and until it was resolved, to make payments in the amounts of {$250.00} and {$100.00} respectively until the situation was correctly resolved and payments were applied to the XXXX cycle. I did not receive a call within a week. I went back to the branch and was connected with XXXX, and then her supervisor XXXX XXXX. XXXX XXXX told me there was nothing that could be done ; I effectively made two payments in XXXX. I explained I paid the bills in response to notice from the bank that the bills were due, and for that reason only paid them that day. I explained again that I received online notice of statements being available, the statements indicated I had payments of {$220.00} and {$36.00} due by XXXX XXXX, and in response I made these payments that day, which was XXXX XXXX. I stated that there was nothing on these statements that said do n't " pay them before yet '' -- simply a due date -- and so I paid them upon receipt. She said I paid them on the closing date, therefore they were applied to the previous cycle, therefore the payments did n't count towards the XXXX statements and I was therefore late. I explained that " XXXX XXXX was wrong ; the payments can not be applied to XXXX as intended '' She said the bank must follow the protocol.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fenton & McGarvey Law Firm, P.S.C. (TN)

I had opened an account with XXXX XXXX and had charged over {$1000.00} roughly a few years back and I had contacted them and worked out a payment arrangement for {$400.00}. Last year when I checked the credit bureaus as we were going to refinance for a better rate. The account was closed and charged off. No I failed to get proof. Three weeks ago on XXXX, I was served with a Civil Summons as I was named as a defendant in a suit for the amount of {$740.00} as the account was bought by a debt collector. I received no notice, only served with a court date on XXXX. I am XXXX with a XXXX XXXX injury and will go to court as my name is on the affidavit, and I abide by the law. As I was preparing rides, times, and documents I read the Civil Warrant that I was served with and they are also seeking Court Costs. I am on a fixed income and due to the XXXX in XX/XX/XXXX at an early age in which I had just started my career after spending years getting a college degree and was ordered by a judge XXXX   XXXX  XXXX despite my pleas. My medical bills take more than I draw. However, I noticed that the Attorneys for the Plaintiff, one in XXXX KY and the other stamped on the court document is with a PO Box in XXXX. I also noticed on the attached Affidavit that is from the State of Texas County of XXXX and the Custodian of Records for the Plaintiff, a XXXX XXXX XXXX employee assigned to the Account who does business at XXXX XXXX XXXX in XXXX Virginia under penalty of law attests that I Owe the company she works for the sum of {$770.00} as of XXXX but claims the sum of {$740.00} is due as of the date of the affidavit. Her name is stamped in 2 places in the state of Virginia and Notarized in Texas that the Signatures were signed under no duress by the company who employed her. The court I have to go to is in Tennessee also. This is the 2nd time I have had to go for these bogus charges and the last one that the date was set by the attorney did not bother showing up and the judge called them to rescheduled and said they had forgot. They set the date. I am so tired, stressed and honestly sick and tired of the games these people play unfairly!
Consumer complaint received 2022-06-10
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. (NH)

I was notified by a mortgage lender that I was impacted by a recent scoring glitch related to Equifax. I contacted Equifax to discuss this issue ( as it has impacted me financially ) and I was told we are not aware of the glitch and there is nothing we can do. I continued to ask for my call to be escalated and explained that the glitch is public knowledge and the associate could XXXX. I was put on hold and now just listening to music as I believe the associate thinks I will just drop the call. I have some serious concerns about the ( XXXX ) reports that were pulled for XXXXXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX because of this glitch. I did finally reach Equifax customer affairs who was also not aware of the glitch. I asked if she could XXXX. She did end up finding more information and said that my mortgage lender needed to call their business office. As a consumer that was impacted by Equifaxs glitch why are they refusing to speak to me? I need to know more about the error and the large variance in my XXXX reports. I had a large decline when my XX/XX/XXXX report was pulled vs the previous reports. This glitch forced my lending company to do yet another hard pull on my report ( another financial impact ). I have worked in financial services for XXXX years so I am well aware of what impacts credit. I am building a home and have been working with a mortgage lender for over a year. No new credit was opened, no late payments, no reduced limits and only change was debt declined. I need someone at Equifax that can speak to this glitch and the impact I am seeing. I would also recommend the federal government to once again look at their policies and procedures for consumer cases. How did two customer facing Equifax employees not know about something that impacted consumers?
Consumer complaint received 2022-06-10
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)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

I consolidated my loans in XXXX of 2009 to become eligible for the public service loan forgiveness ( PSLF ) program. The servicer at the time was XXXX. Despite documentation from XXXX that my loans were consolidated as income contingent in XXXX 2009, email proof I continued to argue for income contingent between XXXX and XXXX 2009, and documentation supporting that my payment should have been {$0.00} and qualified for PSLF, the current servicer XXXX has taken over a year to review my appeal. I have provided supplementary material twice and requested to see the documents provided by XXXX demonstrating I requested a forbearance when it would not be in my best interest and I have proof to the contrary. My requests for documentation have been ignored. Each time I provide material I receive an email stating that information provided by XXXX shows that my payments did not count -- yet I 'm not being allowed to view that information. This assertion, if not corrected, will cost me 7 months and XXXX {$3000.00}. I had an attorney send in a letter in XXXX via certified mail. We were afforded no response and I was required to re-upload the documents in XXXX despite having the mail receipt. 

This issue is similar to the issue I faced with XXXX where my repeated requests to lower my interest rate to 6 % were ignored. For 14 months I have been trying to find the number of payments and dispute those payments and I 'm being slow-rolled, kept in the dark, and provided with non-responsive answers. I am happy to provide your office with the letters I have written, the letter prepared by the attorney in the legal assistance office at XXXX, all of the enclosures backing up my arguments, and the non-responsive emails provided by the servicer. 

The cost of a lawsuit will most likely exceed {$3000.00} and the 7 additional months it will take before my loans are forgiven. I am being treated as if there is no recourse mechanism. I know there are XXXX other individuals facing similar issues with the PSLF program stationed in my area alone. For instance, if a servicemember pays just XXXX dollar more than what is owed, the payments do n't count and they tack months on the back end towards forgiveness ( that practice smacks of loan-shark-like tactics ). I had to fight for months to have my loans consolidated and I have to fight each time my loan is transferred. I hate to reach out for help but XXXX has exhausted my patience. Any help you could provide would be much-appreciated. 

My issues started after I consolidated into the PSLF program after I graduated from XXXX and started in the XXXX XXXX.
Consumer complaint received 2020-10-23
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: Block, Inc. (MI)

I noticed 6 unauthorized transactions from XXXX I didn't do. I first contacted cash support in XXXX, never received a response. I contacted cash support again in XXXX. Finally received a response so I sent the necessary info but never received an response after that. I contacted once more in XXXX. Sent the necessary info again an was told that 2 of the transactions could be disputed because it was over 60 days but if you follow the timeline I been trying to get help well within that 60 days time limit. The only reason it went over 60 days is because either cash app support never responds or they take weeks to respond. The Cash App manager told me to contact XXXX about the charges which i did but 5 of the charges orders have been delivered so the only route to getting my money back is through an dispute which my card company  refuses to do. XXXX was nice enough to refund me for one of the transactions since the order was never delivered but the other 5 cant  since they were delivered. The cash app manager has been giving multiple responses/switching their reasoning on not helping on why he/she cant help me and now im 100 % sure she/he will say the 4 transactions in XXXX cant be disputed now because it been over 60 days. She/he doesnt understand the difference between authorized and unauthorized orders. Since I have legit orders with XXXX she/he feels like the unauthorized orders cant be disputed which makes zero sense. I was also told I was already refunded for the transactions in question but if you look at the bank statements it proves that not to be true. I was also double charge for the same unauthorized transaction twice. One of XX/XX/2020 and also again on XX/XX/2020 with the card I already reported stolen months prior. He/she doesnt even want to help with XX/XX/2020 transaction. I feel like Im being played with and not being took seriously.
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

the debt collection firm XXXX XXXX XXXX had gotten a judgement against me without my knowledge, without any notification in 2009 & has repeatedly tried to collect on a debt I do not owe due to identity theft. I have contacted them repeatedly, filled out XXXX identity theft packets & submitted police reports. They have seized assets in my bank accounts XXXX, which were eventually returned to me. I have been to the county records office/courts to find copies of this judgement & there are no records. 
This is a debt that was created due to identity theft. I have provided all the information and last known whereabouts of the individual who stole my identity yet XXXX XXXX XXXX has still continued to harass & threaten my assets. 
I can not keep a bank account due to the constant threats of asset attachment. This has been an ongoing issue since XXXX.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

I 've previously disputed the account below with XXXX XXXX. This is not my account. They are falsely " updating '' the accounts in efforts to report it on my credit report. XXXX XXXX previously removed this fraudulent account from my credit report only to re add it again, causing my credit score to drop XXXX+ points initially, and updates and reports it monthly causing an additional score drop! This is not my bill. I did n't live in CA during this time, I was in the state of Maryland. I pay all my bills. I filed a police report ( REPORT NUMBER : XXXX ), I 've done everything requested, yet they only remove it temporarily, have it added back and cause further damage to my credit reputation? It used to say it was going to fall off in XXXX, now XXXX? What kind of business practice is this?
Consumer complaint received 2017-04-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

loan  XXXX , per  XXXX   XXXX , wanted a " down payment '' made. A {$100000.00} down payment was made when purchased the home as of  XXXX   XXXX ,  2017.    In  XXXX ,    2017 O cwen came up with a " Shared Appreciation Modification '' was nothing but a great big joke ; Ocwen took my  2 pa yments of over {$6000.00} and wo n't return it ; the loan mod is and was dead ; the modification was for Ocwen 's benefit.   Ocwen wanted to make the loan look current for themselves and investor.   The loan mod was not signed properly, notarized or recorded. It was held over my head while a foreclosure was pending.   Ocwen is trying to modify an interest only loan that 's been interest only from the first day I signed the note. T he Loan is DEAD ENDE D.   This loan needs to be truly looked at because the originator is out of business and so is the company.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (NY)

A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.
Consumer complaint received 2018-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2022-06-15
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. (PA)

submitting this complaint against XXXX there is no third party involved. XXXX dBA ' XXXX XXXX XXXX XXXXXXXX XXXX has my personal information INACCURATE on my consumer report. My name is spelled incorrectly ( Exhibits provided ) My address is inaccurate ( Exhibits provided ) The employer section is inaccurate I don't work at those places ( Exhibits provided ) Those phone numbers are inaccurate none of those numbers are my phone numbers ( Exhibits provided ) The name on my ID and social is how my name should be spelled The address on my ID is my ONLY address I DEMAND XXXX TO CORRECT THIS INACCURATE INFORMATION WITHIN 3 BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, A PLACE TO STAY, TRANSPORTATION AND MORE. XXXX is NOW liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance which XXXX failed to comply. Pursuant 15 usc 1681n - any actual damages sustained by the consumer as a result of the failure or damages of not less than
Consumer complaint received 2022-06-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (PA)

This company is unethical back in XXXX I was going through the process of buying a house. During that time I was informed by my lender that I had to close my business account and transfer everything to my personal account due to my business failing in 2020. This requirement was via the lender and is what I needed to do in order to get approved. As requested I reached out to all my creditors in a timely manor to ensure no late fees, or payments we're associated with my account during this process. I reached out to Grain Technology in early XXXX to inform them that I will need to switch my account to another one to continue paying them on time because this account was completely virtual and everything was handled through my account. Not only did Grain not reach back out to me they sent me multiple broken links to change over my account and when informed of these broken links I would only get an automated message. I went through extreme lengths to reach out to them even via their social media and I would only get someone saying they will reach out to me. I also have seen that this is a common practice and MANY people have been trying to reach out to them because of this my account is marked as 60 days late when I have been trying to reach out to them constantly for at least 3 months. At this point I've done my due diligence and now my credit has taken a huge hit all because they do not have the adequate customer service