davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-19
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (UT)

EOS CCA is representing that an student loan account that I had with XXXX XXXX now has " US Asset Management Inc '' as a current creditor. That is not correct. They are also representing that I owe an amount which is incorrect by over {$6000.00}. They sent a letter to my address although they misspelled my name. The language that they use is very suggestive that I need to take action to settle this debt with them. This is deceitful. I am currently paying off this loan with a company with which I have had a multi-year relationship. Because loans do sometimes pass to different creditors, this type of letter creates plausible uncertainty about the status of one 's loans and I consider it dishonest and manipulative.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NY)

Apple Card ( Goldman Sachs ) placed restrictions on my card. To which I was not informed until I tried to use the card. When I called I was told they cant give me the reason the restriction was placed and that I would receive a call with an undisclosed timeline. Week later, restriction removed but no call or email explaining what happened or why. Called them again and received no information on what happened and they were adamant that they could not give me any information and that I would receive and email at some point. This is unacceptable support for a financial service. Ive never dealt with any bank that treats customers this way.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Superior Adjustment, Inc. (MI)

My credit score dropped 29 points because Credit Check in XXXX, MI reported that I had a delinquent account in the amount of {$140.00}. I called Credit Check on Monday, XX/XX/XXXX to let them know that I had made that payment on XX/XX/XXXX. The person that I was speaking to looked up my information and confirmed that the payment had in fact been made and this was human error. I explained that my husband and I are in the process of looking for a new house and the drop in my score was obviously having a negative impact. He told me that he would contact the credit bureau and tell them that this was their mistake and have this removed from my credit report immediately but said it would take 7-10 days to show. It has now been 13 days and the delinquent account is still on my report and negatively affecting my credit score. This was 100 % their mistake and they have not resolved this issue in a timely manner. Im extremely frustrated.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not applied for a credit card recently and there was an inquiry done in my credit report. Transunion and XXXX  low my credit score for an inquiry that was made under my information.
Consumer complaint received 2020-10-08
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. (MO)

Since XXXX without much help at all and multiple letters sent to XXXX, Equifax and XXXX  requesting that false and inaccurate information be removed from my credit bureau reports. I have not received any success. Ive even told them that addresses and names on the credit file are incorrect and they refused to respond and correct it. On XX/XX/XXXX after many letters sent requesting that XXXX XXXX and XXXX XXXX XXXX XXXX be removed from my credit report as this alleged debt is false and inaccurate, it was removed. Only to be put right back on the credit bureau today XX/XX/XXXX. This has been a constant back and forth game with willful violation of the FCRA by these three credit bureau reporting agencies the item is removed, then put back on with out any notice at all to me by XXXX, Equifax and XXXX. It was removed again back on XX/XX/XXXX, this is a violation of the law. Then put back on. It was removed again on XX/XX/XXXX and put back on again. It was removed again on XX/XX/XXXX and put back on again. These are the games violations of the FCRA that XXXX, Equifax and XXXX  as they are in engaged in defamation of character and fraud. By the way I have provided all three credit bureau reporting agencies with copies of letters sent certified mail and registered mail to these credit bureaus requesting proof of these alleged debts and not on of them have provided proof, since they cant provided proof of accuracy to me I asked all three credit reporting agencies to provided me with the proof that these collection agencies provided to the, and not one credit bureau reporting agency has provided that XXXX me since XXXX. They should be shut down permanently for their willful violations of the FCRA.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

i wrote XXXX XXXX equifax settlement remove me from settlement because they participated in fraud or were duped. equifax leaked deliberately to blackmail purchase of credit monitoring. 

remove all fraud allerts equifax remove all credit monitoring i cant call equifax because i only got wired phone. no cell phone means im dead to equifax. 

equifax remove all promotional blocks now and forever verifyy all with immediate complete free credit report by usps. 

no electronic communication
Consumer complaint received 2020-01-17
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. (FL)

Please remove account and inquiries from my credit report which I have never had before and do not belong to me. Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2020-01-19
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: Experian Information Solutions Inc. (FL)

I am writing a complaint in regards To the three credit bureaus Experian, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from XXXX XXXX XXXX in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX XXXX. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with XXXX to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to XXXX XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. XXXX said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked Equifax and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I issued a XXXX payment from my account to XXXX XXXX for the amount of XXXX, who banks with XXXX  XXXX XXXX. 

On XX/XX/2020, XXXX erroneously authorized another payment for XXXX to XXXX XXXX for a home inspection he can only perform once. 

I submitted a claim with Chase Bank to return the funds, which they denied. XXXX, not wanting to have the money taken a second time refused to return the money directly, and then filed a claim through XXXX  XXXX XXXX. Claim number XXXX. 

XXXX XXXXXXXX XXXX has stated numerous times the funds have been returned but Chase has not received them. I have been without money that rightfully belongs to me since XX/XX/2020. Both XXXX  XXXX XXXX and Chase are refusing to do the work to return the money and have essentially presented us with a " too bad so sad '' answer. 

There is no disagreement that the money never belonged to the person it was transferred to, but somehow we are still without our XXXX nearly two months later in the middle of a global pandemic.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX XXXX placed unauthorized charges on charge account. Internal account activity generated a fraud alert where credit was suspended. Worked with XXXX XXXX NC store. Employee XXXX made numerous unauthorized transaction without customer knowledge. Surely this is illegal. Asked for District Manager XXXX XXXX. Waiting for Asst Mgr XXXX to return call. XX/XX/2019
Consumer complaint received 2020-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX a Wells Fargo XXXX was sent to a person I have never heard of in the amount of XXXX. That money was provided to me through 2 different loan companies to pay my rent. I filed a fraud claim on XX/XX/XXXX, closed the account that my money was stolen from, and opened a new account with added security as the bank suggested. I was told by the bank that I was approved for provisional credit but the bank denied me. Wells Fargo denied my claim on XX/XX/XXXX stating I compromised my account by giving the loan companies the information to make a direct deposit into my account. I have never sent money through XXXX and its illogical to think I would send someone all my money that I dont know. The agents were rude and I felt like I had been victimized twice. I went to the XXXX XXXX branch and they refused to help me. I offered to let the investigator at Wells Fargo look at my phone but I was told that wouldnt be necessary. Wells Fargo then proceeded to push through both payments to the loan companies when my account balance was ZERO. ( Its negative XXXX ). On XX/XX/XXXX I received an email from one of the loan companies stating that Wells Fargo had provided them with my new account information! So, they can deny my claim on an accusation of compromising my account but its okay for them to do it? I have requested, several times that they send me the reason my claim was denied, in writing, but as of todays date XX/XX/XXXX, I havent received anything. The person that stole my money is registered with XXXX because the name appeared on my transaction log so why havent the investigated, questioned, or arrested that person for fraud? As a result of my money being stolen, Wells Fargo not investigating my claim, and refusing to go after the criminal not the victim ... I became XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXX, no money for gas to get to work so I lost my job, no money for food which has resulted in me losing almost 40 pounds, XXXX  XXXX, XXXX, and XXXX XXXX. I am a XXXX XXXX XXXX woman that doesnt have anyone to help me. Please ... I am begging for your help in getting my stolen XXXX back and the negative XXXX put back into my account. I never requested overdraft when I opened my account but I did receive a XXXX bonus when my first direct deposit was put in my account. I contacted XXXX but was told that my bank was responsible for allowing this transaction and since I am a victim of fraud, I am entitled to REG E protection. I have also sent a complaint about Wells Fargo to the XXXX XXXX XXXX.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 2020-01-19
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. (TX)

I'm completing this complaint because I'm beyond frustrated with EQUIFAX credit reporting agency in regard to my credit file. I have been trying for over 3 months unsuccessfully to access my report and I have gotten no assistance from this company. From what I have researched this is a violation of my rights and needs to be addressed. I have tried to access my information online to remove my credit freeze and review my information and despite verifying my information there are reseting my password I'm repeatedly prompted to call XXXX. This is a never ending phone loop that requires you to enter your information before being transferred to a person. Once you are transferred to a person you are still required to answer the same questions AGAIN and more. EVERYTIME I call I'm forced to ask for a manager that speaks and understands english because the people that answer the phone do not. I've called at least 3 times and I'm extremely frustrated with the lengthy waste of time as well as the fact that EVERYTIME I ask for a supervisor I'm either transferred to the 2 question survey, hung up on, or repeatedly aggravated by the repeating myself MANY times because I'm instead transferred to a different representative. I should not feel that my personal information is being held hostage by foreigners!!! What good does it do me to ACCURATELY verify my information DIRECTLY FROM MONTHLY BILLING STATEMENTS and the person on the other end doesn't comprehend me! I have a freeze and ONLY I HAVE THE PASSWORD AND IT'S ME but I can not get my own information. I'M TIRED OF THIS AND NEED TO EXCERCISE ANY RIGHTS I HAVE TO ENSURE THIS IS FIXED AND EQUIFAX IS HELD ACCOUNTABLE.
Consumer complaint received 2020-01-19
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. (IA)

The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX/XXXX/XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX XXXX/XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX
Consumer complaint received 2020-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

I California Business Bu has medical records in my name that I did not authorized this company to have. They are stating that I owed them {$1200.00}. Medical records are personal, and I don't know they got them. I did not authorized XXXX XXXX XXXX XXXX XXXX to give a collection. I have reach out to XXXX Credit Report many time, and I have not gotten any help. My credit is destroyed my this collection Department. 
I want this collection removed off my credit, and I want a investigation done to fine out how this company got medical records that I did not authorized. Can you help me with this situation. I don't think this is fair for a collection company to steal or buy medical records for their own personal gain. 

Thank you
Consumer complaint received 2020-01-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I accidentally put a freeze on my credit when I was reviewing my credit report. Without explanation Experian will not allow me to remove the credit freeze online. I have sent them documentation to prove who I am with instructions to remove the freeze. Meanwhile I have two banks trying to process loan applications and can not due tobthe Experian freeze. It is impossible to reach a human being by phone at Expert.
Consumer complaint received 2020-01-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I requested for a loan modification, I was approved I made all my trial payments. On XX/XX/XXXX I spoke with a XXXX and she advised me that I would be receiving my closing documents and to keep making my trial payments. On XX/XX/XXXX I had a missed call and I called on XX/XX/XXXX and was advised that my signature paperwork was still missing. I spoke with XXXX who never told me my file was closed and to re fax the paper so I did. On XXXX I spoke with XXXX who stated that I was not on any assistance and my fax was still not received. I spoke with a supervisor who XXXX who definitely does not want me to keep my home. I called back and was told all supervisors are in a conference. I need to speak with owner of the company I need to speak with someone who wants to help me keep my home. I don't want to loose my house. I'm crying out for help and Loancare doesn't want to help. I have received no paperwork saying my file was closed. I have no clue what to do at this point
Consumer complaint received 2018-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (NY)

XXXX stay harrasing me about payments my interest are very high also they put me on deliquent, which is not fair i barely get pay enough for them to be to harrass me the way they do they are pretty rude never want to work with client i make payments each month of the amount i can. i regret taking a loan from worst company ever can't wait to pay everything off.