davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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: BARCLAYS BANK DELAWARE (CA)

date : XX/XX/XXXX amount : {$89.00} Company : BARCLAYS reported the late fee payment on my credit report Action : I did not have the late payment to BARCLAYS as I did provide my credit card to their customer service to charge back within the timeline and received a confirmation code that had been paid during the phone call, however they could not locate the cost after that as they needed a debit card but not credit card, finally they reported the late payment without the communication with me first.

BARCLAYS had agreed to remove the late payment history from my account as I did pay timely after the communication. 

Please find a letter from BARCLAYS as attached.
Consumer complaint received 2023-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC (AR)

Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. 

The first one is : XXXX XXXX XXXX XXXX XXXX ( also has XXXX XXXX XXXX XXXX, XXXX listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : Nelson Cruz & Associates Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX  has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. 

I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.
Consumer complaint received 2023-01-22
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. (AR)

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
XXXX, AND XXXX AND EQUIFAX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia (CA)

I called Credit Control Corp and explained that this account was opened fraudulently by my estranged spouse. This account was opened 2 days after I left for XXXX basic training. I could not have opened this account for myself. The address in which the internet and cable company was listed as my estranged spouses address. They told me on XX/XX/2019 that they were going to take care of this account. It still remains on my credit file. I attempted to call them on XX/XX/2019 and began speaking to someone and then was hung up on. I could not reach them after that time.
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I have received XXXX XXXX from Citibank in New York as of XX/XX/XXXX. 
Citibank Delivery Agent was supposed to deliver CHECKBOOK AND ATM CARD on XX/XX/XXXX. But it is failed to be delivered to my doorstep. 
I kept sending the money 4 times and but delivery Agent continued failing. 
I have been doing like this since XXXX to kept sending the money more than 100 times for nothing as of now. Citibank Officers are all crooked and unprofessional attitudes and keeps asking the money to send it one after another.
Consumer complaint received 2023-01-22
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)

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help.

15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.
Consumer complaint received 2019-12-01
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. (GA)

Ive tried to have fraudulent inquiries and accounts removed from my credit report with XXXX, Equifax and XXXX through customer service but they were unable to help me so, I opened disputes that never cleared this fraudulent data from my report
Consumer complaint received 2023-01-22
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)

Equifax is reporting a derogatory account on my credit report, without my consent. This negative account is damaging my credit reputation and credit worthiness, ad causing me to be denied access to credit. I have disputed this account with the original creditor, and they failed to provide validation of the alleged debt. This company that is reporting this account now has no authority to do so, nor do I have any agreement or contractual obligation with them regarding this derogatory account.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MS)

Excessive fees, over charging, misrepresentation, incorrect banking statements, unfair credit reporting, wrongly withheld funds, closed account without notifying us properly. These events and fees caused excessive damage especially to our personal finances leading us to have to close a very productive business and sell our home and move.

It would take some time to obtain files but Im certain I could prove every allegation.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Hello! This company, close my accounts ; all my credit card, them they report it on my credit, stating I didnot maintain it, nextduring XXXX and XXXX etc. I gave up never heard back from customer service at all ..I did get any funds back, some accounts seem to was made up in my name afterwards.. even though the amounts was small, I hated my credit was damaged Im still trying fix it, I guess it just one those things that want go away..
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP (FL)

Due to the global Covid-19 Pandemic I was struck with the worst luck anyone could imagine. Picture being over XXXX XXXX XXXX unsure how far along, as a woman, someone is as well as allowing another individual trying to defraud what is in a name collecting food stamps, paying for an unexpected XXXX, and than immediately working as a XXXX in one state and being told that a professional is not a professional unless proven by a certificate that was documented by another medical Home Health agency proving the fact ( s ) of the individual 's work history. Than to top it off, being promised this PUA ( Pandemic Unemployment Assistance ) that didn't come through due to unusual circumstances of normal routine and exercise. Normal routine and exercise does not include doing, " bad business, '' just to make a pay cut. This requires more than just talent in one 's distal flanges.
Consumer complaint received 2023-01-22
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. (TX)

My personal information was used without my permission to open a fraudulent account and apply for unauthorized fraudulent inquiries. I have contacted the credit bureaus and furnishers of this data to report the inaccurate activity. I am now contacting law enforcement about being a victim of identity theft : Fraudulent account Procollect inc balance {$170.00} XXXX XX/XX/XXXX Fraudulent inquiries 1. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5 XXXX XXXX XXXX  XX/XX/XXXX 6 XXXX XXXX  XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXXXX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.XXXX XX/XX/XXXX 17.capital XXXXe XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XXXX XXXXXX/XX/XXXX 19. XXXX XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23XXXX bank XXXX XX/XX/XXXX 24 XXXX XXXX bank Delaware XX/XX/XXXX 25. XXXX XXXX XXXXXX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXXXXXX XXXX XXXX  XX/XX/XXXX 28.XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX tx XXXX 3. XXXX XXXX d XXXX XXXX  XXXX tx XXXX 4. XXXX XXXX XXXX XXXX XXXX tx XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX tx XXXX 6. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 7. XXXX XXXX XXXX XXXX tx XXXX
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My mortgage was held by Wells Fargo XXXX XXXX from XXXX through XXXX. I tried t refinance the mortgage because we could not afford it, and the interest rates had fallen. Every conversation with Wells Fargo was unsuccessful. We ended up selling our home and moving to a small condo. If we hadnt sold we would have had the house foreclosed on over time.
Consumer complaint received 2021-09-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NY)

Wed, XX/XX/XXXX at XXXX XXXX  FINAL DEBT INFORMATION. 

LAWSUIT COURT NOTICE_PAY_DAY_LOAN DUE AMOUNT CASE FILE TRANSFER TODAY FDCP ACT-811 ( 15 USC1692I ) Lawsuit Cost - {$2400.00} ( Including Attorney Fee/Court Fee/All Taxes ) Creditor Name : Ace Cash Services. 

Total Due Balance : {$890.00} SETTLEMENT {$320.00} TODAY XXXX XXXX Ace XXXX & Legal Department XXXX XXXX | Privacy | Terms of use
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2021-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TX)

I am filing a complaint against Spring Oaks Capital over failure to properly and timely validate an alleged debt. I received notice that I owed {$720.00} on a XXXX  XXXX  allegedly issued to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2021, I received a letter via USPS purported to be from Spring Oaks Capital claiming I owed money to them. Immediately I submitted per the FDCPA a request via electronic mail to XXXX, with a return receipt requested on the email. The return receipt confirmed receipt on XX/XX/2021. Copies of the validation request are attached to this email, along with the return receipt. 

No response or confirmation from this was received until XX/XX/2021, when I received a letter in a handwritten envelope, a scan of which has been attached to this complaint. The letter was dated XX/XX/2021. 

Enclosed in said envelope were alleged card statements, with info marked out, along with a letter acknowledging my request. Scans of the statements are not attached to this email. In addition, a purported bill of sale from a company called XXXX XXXX was enclosed. After research, XXXX XXXX was another debt collection agency and not the creditor responsible for issuing the XXXX XXXX and therefore NOT the original creditor. The bill of sale does not indicate anywhere that my alleged account was included within that particular bill of sale and no other information was provided by XXXX XXXX. No cardholder agreement was enclosed within the packet as well. This does not meet the standard required under the FDCPA or Texas Debt Collection Laws. 

On XX/XX/2021, I received notice by way of credit monitoring that a new account that I had not opened was placed on my credit reports. After a review of the information provided by the monitoring services, I found that XXXX XXXX  placed the information on my credit report. 

Under Texas Debt Collection law, a debt collector must validate the debt within thirty calendar days. A validation notice was sent and received by XXXX XXXX on XX/XX/XXXX and no response was given until the letter dated XX/XX/XXXX was received, well past the 30 day deadline as outlined in Texas law. In addition, XXXX XXXX failed to provide surety bond information as required under Texas law.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo illegal refused to close an account and FORCED me to travel hundreds of miles to a branch to show up " in person '' AFTER having everything they were required to have to close the account. Their only " reason '' for making me appear in person was to sign an internal form that was not required by law! 
They refused to reimburse me for my travel. 
They illegally held the money for over a year!
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MA)

Despite opting my deceased father 's information OUT of all pre-screened credit card offers months ago this bank seems to see fit to continue to mail unwanted credit card offers to him. Most recently an XXXX XXXX XXXX Credit Card Invitation number XXXX XXXX XXXX.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have a late payment on an account thats been closed since XX/XX/2020. The late payment is showing from XX/XX/2020. I attempted to pay it online repeatedly but kept getting kicked off for some reason that month. I tried calling but obviously i wasn't the only one having this issue becuase i was on hold for hours and not able to get thru. I attempted to make my payment by using my phone and a computer and it locked me out. I had to go and tried each day for the next week. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They never called or sent me a bill in the mail so I had no other way of paying it. I finally did get it paid and i closed my account the following month. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2021-09-29
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. (MA)

Over the last year I have dispute these 3 accounts for different inaccurate i am demanding removal and complete deletion of these accounts based on 15 U.S. Code 1681b - Permissible purposes of consumer reports they have no written consent to report information under my name
Consumer complaint received 2021-09-29
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. (MD)

Since XXXX, I have had this complaint with the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and stressed. I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (PA)

My name is XXXX XXXX. I paid off the balance with XXXX and sent in all the paperwork stating that it was paid off. They sent the balance to a different company TruAccord who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.
Consumer complaint received 2021-09-29
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.
Consumer complaint received 2021-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.
Consumer complaint received 2021-09-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have sent in several letters about the mistakes on my report. I have also called in and have not gotten my issue resolved. Yesterday they told me that some disputes were investigated but they sent a letter to an address that was on my profile that was not mine. I have sent letters in that I never got a response to. I sent my last ones in certified. I will attach a copy on my letters that explains my issues in detail.