davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC (CA)

I called on XX/XX/XXXXto schedule a payment. One on XX/XX/XXXX for {$100.00} on the smaller student loan and another one post dated for FridayXX/XX/XXXXfor {$300.00} on the bigger loan when I get my direct deposit. However looking at my account the post dated payment was processed onXX/XX/XXXX and not on XX/XX/XXXX. This caused my XXXX credit card payment to return as non sufficient funds along with my XXXX payment I had scheduled online. I had enough to cover those payments at the time. This caused NSF fees on my bank account and late payments that were already schedule. If the post dated payment wouldve been processed on XX/XX/XXXX none of this wouldve happened. This isnt the first time I come across with issues from this company. Not too long ago my payment was misapplied, I called complaint and it was fixed, but now with their incompetence Im getting fees on my account, my other creditors payments returned, and affecting my credit history.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On Friday XX/XX/XXXX I received an emailing requesting my freelance services from a legitimate email to which I agreed. We discussed payment options over email and phone messages, to which the sender requested I received a larger check amount and to send a part of the money to another account. I did so that day accounting to XXXX through a XXXX transfer. 

On Monday XX/XX/XXXX the sender requested another service and proceeded to send me a mobile check of the payment plus additional money to wire to another account. I wired over XXXX  and XXXX  to the same account. On Tuesday XX/XX/XXXX I received notice that all three checks were unpaid and deducted from my account. 

I lost the total amount of those XXXX payments as a result, and would like to try my best to get the money back, as I did not use that money in any way. My banking services did not offer me any possible steps to pursue this action.
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I have an XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware. My XX/XX/XXXX statement balance was {$2300.00}. I mailed in payment and payment stub to the XXXX, GA address listed on the payment stub around XX/XX/XXXX. Based on the endorsement stamp on the back of the check and my bank records, the check was received and deposited by Barclays on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. To date the {$2300.00} payment has not been applied to my account. I checked my statement online on XX/XX/XXXX and noticed the issue. I used the online messaging system to alert XXXX XXXX XXXX XXXX to the issue. I never received a reply to that message and any trace of that initial contact has been removed from my online account records. I called on Monday, XX/XX/XXXX, and spoke to a customer service representative. She requested that I fax confirmation of payment so that the Payment Research Department could investigate the issue. I sent the fax to the number I was given, ( XXXX ) XXXX at XXXX XXXX CST on Monday, XX/XX/XXXX. The fax machine report indicated that the fax was transmitted successfully. I have placed calls to customer service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have talked to three different customer service reps and one supervisor. None of them have been able to tell me anything about the status of the investigation other than " it will take 2-3 business days to complete. '' I have been repeatedly told that it is impossible for me to speak to someone in the " back-office '' or Payment Research Department about the issue. On XX/XX/XXXX, the supervisor I spoke with seemed to indicate that even the customer service department could not contact the Payment Research Department on my behalf. The supervisor could not even confirm if the fax I sent on Monday, XX/XX/XXXX have been received. The endorsement on the back on my check for {$2300.00}, which cleared the bank on XX/XX/XXXX, is from Barclays Bank, the issuer of the XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Have been always current with Capital one. 

Did carry a balance but it was at a promotional rate. 

Have made absolutely no new purchases or transactions for over 6 months. 

Without any notice or proper disclosure raised my minimum payment. 

Since it's on autopay ... 
resulted in late fees and loss of lower interest offer. 

In the past they changed my due date which caused me to be unintentionally late which Gives them the " right '' to charge more late fees and revoke low interest offers.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (GA)

I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Consumer complaint received 2021-11-21
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}
Consumer complaint received 2023-03-04
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: BARCLAYS BANK DELAWARE (MD)

I was checking my XXXX credit report and noticed 1 Inquiry was reported on XX/XX/XXXX to Barclays Bank. I never made this request for a new line of credit, as I already have a Barclays card. 

I first called Barclays to see if they could remove it themselves, and more importantly, if they even solve this account in their records. The employee at Barclays that I spoke with, stated that they only could find one account in the records under my Social Security number, which was the Barclays card I currently have. they could not find those cars that was requested for opening last XXXX. I also reached out to XXXX XXXX who, similarly to Barclays, suggested to reach out to the government in reporting it as fraud.
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (UT)

CBNA is reporting a debt on my credit file that needs to be removed. I have been dealing with them for some time over this account and I can't seem to get anywhere. I purchased a laptop with Best Buy and we set up a payment arrangement to get it taken care of but I returned the laptop because I did not like it. I never was told I was setting up a credit card or that I had a credit card with Best Buy, I thought I had set up a payment arrangement. When I returned the laptop it was within the time frame for returns and thought I no longer had to make payments-the laptop was returned. Well I checked my credit and noticed a charge off? I have called both CBNA and Best Buy and neither can tell me where this debt is coming from or can find an account saying I owe anything. However, this continues to pop up like a charge off and affecting my scores. I do not owe anything, this is a mistake and this needs to be fixed immediatley.
Consumer complaint received 2020-09-14
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/20, my XXXX year old son got on to my XXXX. He made 10 purchases of items in the XXXX XXXX without knowing what he was doing. It wasn't until late that night that I received purchase notifications saying that all those purchases had been made. I filed a complaint on XXXX and was denied a refund. I then went to my credit card issuer ( Apple Card / Goldman Sachs )  and stated that these purchases were unauthorized. 

On their terms, it states : " You will not be liable for any unauthorized transactions made on your Account. '' https : //www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf In that same agreement, they say that you will be responsible for transactions that occur for people that have access to your device. That is EXTREMELY overreaching. There was no warning when I gave him access to my device. 
Any other credit card company ( like XXXX  ) would have disallowed these transactions. I suspect because of their affiliation, their relationship has become more important than consumer protections. 

I compare this to a child taking your credit card to a store and purchasing things with your credit card. Would you be able to take those things back to the store? Absolutely. Would you get a refund from the store? Absolutely. If the store refused the refund, would you be able to contact your credit card issuer to get a refund? Absolutely. 

This needs to stop.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-29
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. (TX)

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PREFERRED CREDIT INC (UT)

I did not do what the company said I did. An agent from the XXXXXXXX XXXX had my phone and information and did it all. I did not agree to any of this and my monthly budget did not fit in. The agent from the XXXX XXXX  lied about her intentions with my information and lied about the amount I make monthly. I did not agree to these charges And payments, I was told the company was covering it all. I do not have the product they claim I have because I did not agree with it after I found out what she signed me up for. I sent in a previous report please refer to it for additional information on this complaint.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I reviewed my Consumer Reports and noticed that there is 1 inaccurate account on my credit report ACCOUNT NAME : XXXX XXXX XXXX # XXXX Date account opened - XXXX XXXX XXXX Month that was reported late. XX/XX/XXXX XXXX There was never a late payment, I have always paid on time Consumer Reporting Agencies- ( in this case Experian ) have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Experian and asked for them to investigate & remove the inaccurate account ( ACCOUNT NAME : XXXX XXXX XXXX # XXXX ) from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (AZ)

XX/XX/2019 Ordered online 4 items for Pickup at store picked up XX/XX/2019 XX/XX/2019 Ordered Online XXXX XXXX XXXX XXXX for Pickup at store XX/XX/2019 XXXX delivered package, no one at home, left package at door returned from work at XXXX no package at door XX/XX/2019 called store, " when can I come for pickup '' Store, " package delivered on XX/XX/2019 '' Package 'missing/stolen '
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX has the count as 120 days late on Equifax, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX the payment status shows paid but on Equifax it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
Consumer complaint received 2021-01-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I've sent multiple dispute letters to XXXX XXXX, and Equifax and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (TN)

Addendum : I have disputed the debt in writing through the XXXX XXXX XXXX XXXX and TrueAccord acknowledge the dispute through their response, as I have said in my dispute, the debt collector. ( i.e ) TrueAccord was instructed to contact the District Attorney 's Office and they have declined/refused. This is in  correspondence legally and accordingly with the Fair Debt Collection Practices Act ( FDCPA ) the burden of proof in verifying the debt is the sole responsibility of TrueAccord and my attorney resolved this matter during the court proceedings for the identity theft. 

If TrueAccord seeks to continue the debt collection, I must receive verification from TrueAccord of the original owner of the debt in writing in less than ( 30days ) from the original owner of the ( debt ) including the following ( invoices, signature verification, services rendered, payment methods, proof of identity was presented. ) TrueAccord havs stated in their own admission correspondence to the XXXX of Greater XXXX XXXX they on XXXX and XXXX, ( True Accord ) do not own the account that was placed with them and they do not have the verfication orginial documents. 

Through Truce Accords own admission, they are refusing to verify the debt allegations through my city 's District Attorney 's Office Freedom of Information Act ( FOIA ) which states this debt is not mine due to stolen identity. 

TrueAccord is required by law to send the debt back to the original company which they state is XXXX XXXX XXXX XXXX. Collections who also is not the orgininal owner. My contact in Washington, DC did some reseach on my behalf and XXXX XXXX XXXX XXXX alleged orginal debit owner does not exsist. 

I asked True Accord twice to send me verfication that shows I was the consumer of the debit or take they could easly contact my local Distrcit Attorney 's office.by submittt a FOIA request. 

They refuse to comply and want me to submit proof becuse they are aware of my numerous compliants stating this debt was identitied as proven identy thief. 

True Accord was notified though their own correspondace with the XXXX of Greater XXXX XXXX to cease from pursuing and reporting this debt in accordance the Fair Debt Collection Practices Act ( FDCPA ), and from further contacting me. Further investigation has determined there is a lengthy history of several Federal, and National complaints of illegal practices from True Accord and XXXX XXXX XXXX XXXX..
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX, XXXX I filed a Chapter XXXX Bankruptcy. My mortgage holder, XXXX XXXX XXXX held two mortgages for me. The mortgage company has since reported the loan as closed effective XXXX/XXXX/XXXX of which it was not closed. I have continued to make payments on those loans, and lived in the home until XXXX/XXXX/XXXX when I sold the home. The home closed and I officially moved out XXXX/XXXX/XXXX. 

The issue is the mortgage company will not update the records to reflect the payments made since XXXX nor the closing and sale of the house in XXXX. I have disputed the information numerous times with Transunion and continue to get updates that are inaccurate. I have called numerous times also with no resolve only excuses. 

I simply want the record to show that the home was actually sold and paid in full in XXXX not XXXX. Both XXXX and XXXX are showing the home as paid in full. 

Transunion will not allow me to upload information. They continue to require me to mail information which they 1. either never receive, or 2 never bother to process. I have been arguing with them for 2 years now over the errors on my account without resolve.
Consumer complaint received 2023-02-27
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX XXXX