davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
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: BARCLAYS BANK DELAWARE (AL)

I made an online charge with XXXX XXXX for {$36.00} on XX/XX/19 expecting delivery within 2 to 4 weeks. I contacted the vendor after 2 weeks to inquire about the order and was told they were going out of business and the shipping was behind. I waited another 2 weeks and contacted them again. The vendor 's e-mail of XX/XX/19 ( attached ) from XXXX apologized for the long delivery times and stated that if I no longer wanted to wait for the order I could cancel it at any time. 
On XX/XX/19, I wrote an e-mail ( attached ) to XXXX to cancel my order and refund my {$36.00}. I notified Barclays-XXXX that I was disputing the charge since I had not received the merchandise ordered and was cancelling my order. They gave me a provisional credit. 

The same day, XX/XX/19 I received a vendor e-mail from XXXX stating, " We have received your request to cancel, '' which ended my order relationship with the vendor and any financial obligation to them for the {$36.00} and I should have received the credit to my account shortly after that. On XX/XX/19 Barclays charged the {$36.00} back to my account and closed the dispute! On XX/XX/19, I received a notice that Barclays was closing my dispute because they claim it was resolved! I called them and they said I would have to fax them proof that I cancelled my order with XXXX XXXX in order to reopen the dispute. I had to go find a fax machine since I don't have one. 

On XX/XX/19 I faxed Barclays-XXXX a letter explaining my case and sent them copies of all the e-mails between myself and the vendor to prove that I no longer had any obligation to them and cancelled my order. When I checked my account in XXXX I noticed that they still had not credited my account so I called the disputes dept and they told me they AGAIN CLOSED THE DISPUTE because the vendor told them they sent out a package in XXXX! I argued they can not close it because I had NO ORDER with the vendor after I cancelled it and they acknowledged it and I sent them the proof of it in black and white. 
Barclays is NOT acting in their fiduciary capacity towards me their customer and upholding their responsibility to me. I do not expect them to believe a fly by night vendor over their customer, since I had no expectations of a package nor would I accept any package from them after I cancelled my order. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. If it's not too much trouble, help
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.
Consumer complaint received 2020-03-17
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. (TX)

XXXX - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.
Consumer complaint received 2020-03-16
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: EQUIFAX, INC. (CA)

I have submitted several Disputes about my Inquires on my Equifax credit report, all the inquires were not Authorized by me and I also told Equifax that my information has been compromised and this company has done very little to removed the inquires on my credit report, I have also submitted Documentation of a police report from the XXXX XXXX Police Department to report that someone is trying to use my credit to attain bank accounts and credit cards in my name. The following Inquires need to be removed from my credit report because I did not authorized them. 

XXXX, XXXX XXXX  XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-03
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 Account, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : AXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX I called XXXX XXXX XXXX XXXX for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to XXXX/XXXX. I immediately submitted the application. I kept messing calls from XXXX XXXX during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that XXXX XXXX is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.
Consumer complaint received 2021-04-20
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I ( XXXX XXXX XXXX sent a claim to : Chase XXXX XXXX My account ending in XXXX However, I have not received my credit back. For this reason I appeal to your help to resolve this issue. 
I attached the claim and pictures for the incident which causes mental and physical damages to my wife and me. 



On XX/XX/XXXX - The flight of XXXX, was delayed a lot ( 4 hours ), which caused us hypoglycemia and stress of so much waiting for the airplane. The flight was very unsafe and harmful to my wife and me. My wife ( with a broken ankle ) was placed in the window in the second row. Which caused her more pain, inflammation and worse injury. Because with a lot of work she entered and left that seat. Upon landing, the plane did not reach a suitable gate so that my wife could get down safely. We were taken down with a very unsafe staircase. And because of this I suffered from XXXX XXXX XXXX Regarding my wife she was lowered on a makeshift board. In addition to this, one of them ( XXXX XXXX XXXX XXXX DROPED HER and almost fell DOWNSTAIRS from the top of the stairs ( Photo included ). So I suffered from a lot of XXXXXXXX and MY XXXX XXXX RAISED and it caused me XXXX XXXXn MY Eyes ( because of i WAS scare and stress of seeing that they were going to DROP and throw my wife ) so my XXXX XXXX until to this day I have XXXX XXXX XXXX XXXX XXXX. Because of all these anomalies in the airplane and the physical and emotional damage they caused us. We demand the return of the airplane fees and pay us XXXX dollars for the damages that we suffered due to its ineptitude of the airline, in not offering security in its flights. My wife needed more care for XXXX, who gave her XXXX and crutches and put on an aerodynamic boot. And to me XXXX XXXX XXXX } I saw the XXXX and he referred me with the XXXX. For this incident I am gooiont to be XXXX XXXX XXXX THE RETINA THAT WAS INJURED BY THE FEARFULNESS AND STRESSS THAT WE got in XXXX XXXX.
Consumer complaint received 2020-03-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation (LA)

On XX/XX/XXXX, I sent a certified letter to Performant Recovery Inc. disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT XXXX XXXX XXXX XXXX.. XXXX  was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default.

Not only did Performant Recovery never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have been disputing 2 accounts with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (OH)

XX/XX/2020 I called XXXX ( the local gas company ) to settle an account I had with them that they sold to a collection agency in the amount of {$280.00}. I paid XXXX in full. I asked the rep what should I do to get the collection account removed from my credit report since I paid the ORIGINAL CREDITOR and she told me to call the collection agency and let them know that I paid them and it was no longer a valid debt for them to attempt to collect on so they could remove the collection account from my credit reports. When I called Penn Credit Corp to let them know what the rep from XXXX said, they told me they could only update is as paid in full. I NEVER paid Penn Credit Corporation and I am fully aware that under the FCRA AND FDCPA that my rights as a consumer have been violated. Them reporting that I paid them in full for the collection account is reporting inaccurate information because I NEVER paid them any money at all nor will they have any record of the payment in their payment processor. I am requesting that this inaccurately reporting collection account be completely removed from my credit reports.
Consumer complaint received 2022-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022, I mail a letter to Experian asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. 
This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.
Consumer complaint received 2022-10-07
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: WELLS FARGO & COMPANY (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Creditor reported an incorrect date of first late payment and incorrect account balance. Disputed item XX/XX/2020. I requested creditor delete account from credit file creditor did not and did not verify there reporting information. Creditor should remove this account my credit file.
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (OH)

I recently moved to XXXX XXXX  from XXXX and noticed there were several accounts on my credit report that do not belong to me. I am currently in the process of trying to purchase a home and this is holding up the process the following accounts are listed below : 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, # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX/XXXX # XXXX, US DEPT OF ED/XXXX # XXXX.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (UT)

My name was forged when they tried to serve me. I tried to contact it was a XXXX XXXX Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm Machol & Johannes XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (GA)

Nordstrom sold the debt to XXXX XXXX XXXX per XXXX XXXX  On a recorded line they have now sold it to XXXX XXXX XXXX and XXXX XXXX XXXX is unreachable and therefore unverifiable. The only person reporting the debt to the credit bureaus is Nordstrom. This needs to be removed immediately as I can not make a payment to Nordstrom and XXXX   XXXX  is in fact unreachable and unverifiable.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I received my bill in the mail, and noticed I had a total payment due of XXXX, and my payment is XXXX a month. I had medical issues and did fall behind on my payment. I did miss a payment in XXXX, and XXXX, as well as XXXX. They took a payment out for XX/XX/XXXX, they have taken one out for XX/XX/XXXX, and have another to come out on XX/XX/XXXX, which is post dated, and comes out automatically. I was not sent a letter saying that i was in recovery, until i called tonight to see why my whole minimum payment is XXXX. They have my email on file and phone number, I realize my two payments are late, but there is no way I can afford XXXX, nor have they informed if my account will be charged off. I would like to work out a plan with them, Customers should be informed in writing.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

EQUIFAX -- I have a credit freeze which i placed in XX/XX/2019. I attempted to lift the freeze in XXXX, but the online portal would not let me do so. Said to call in, so I do and it says to go online and try there ... which sends me back to calling. And in all this, I CAN NOT get to a live person. No one calls back. I put in for a call back in XXXX at least once or twice, nothing. I need my freeze temporarily lifted and I do not know why Equifax can not have a live person somewhere available on a call ( that can help with FREEZES ), or get a call back. This is completely ridiculous. I froze my credit to keep me safe, not to make it difficult to ever use my credit again.