davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
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 (PA)

On XX/XX/XXXX I hired XXXX XXXX XXXX  ( XXXX XXXX XXXX to fill in cracks and resurface my driveway. Mr. XXXX quoted me {$400.00} for completion of the services. When the work was completed for the day, Mr. XXXX informed me that the driveway required more work than what was anticipated and that he would have to return to apply another coat. We agreed that an addition {$200.00} for a total of {$600.00} would be a fair price, and that he would return XX/XX/XXXX to complete the job. In good faith, I paid Mr. XXXX the {$600.00} using my XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to get Mr. XXXX to return to complete the job, he ceased responding and was not heard from again. The job was left unfinished ( See photos ). 

It was at this point that I filed a claim with Barclays and was informed that they would investigate the claim. Initially, {$200.00} was credited to my account on XXXX XXXX. I was never notified about any additional information concerning the dispute. On XXXX XXXX, I was rebilled the amount of {$200.00}. Again, I was not notified about this. Upon examining my credit card statements in XXXX, I notice this rebilling and immediately called Barclays. I was informed that the case was closed and that I would have to write another letter to have this dispute reopened.

It wasn't until after I had contacted Braclays until I received the notice of rejection in the mail. Upon examining the documents, the merchant supplied Barclays with an invoice that is not even related to my case. I sent notice to Barclays with additional information including photos of the unfinished work, the correct invoice indicating that he would return to complete the job on XX/XX/XXXX and that there was a two year warranty on the work, and XXXX pages indicating that the merchant has a track record of taking money from customers and not finishing work. The merchant never returned and will not answer calls. On XX/XX/XXXX, I received notice that the dispute was outside the permitted timeframes and that I should continue contacting the merchant directly.
Consumer complaint received 2022-10-05
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)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-10
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: DISCOVER BANK (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed police reports and Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2020-06-10
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is not a error and I am a consumer by law and I sent letter regarding inaccurate things on my credit report. I feel I am being taken advantage of and being ignored with my dispute.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (SC)

I am wanting to remove these two collection accounts that do not belong to me. The collections are from " XXXX XXXX XXXX ''. The two amounts are {$4000.00} and {$3400.00}. I have no knowledge of these collection accounts because they were not opened by me. I would like them removed! I also noticed another collection from XXXX XXXX XXXX XXXX. for the amount of {$930.00}. This is not mine as well and I would like it removed.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Factual data is now stating that my equifax report is still showing a block or alert, that I have no credit score and no accounts. Equifax says this is untrue and for factual data to call their business line. Factual data said theyll only talk to their contact they have there even though that contact was clearly wrong and unhelpful. Theyre costing me a house. My equifax score is over XXXX.
Consumer complaint received 2020-06-10
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 — Investigation took more than 30 days
Company: DISCOVER BANK (GA)

I been a customer of Discover Card for Nearly 2 years with a very good payment history. Back in XXXX of 2019 my Discover card account disappeared off my XXXX  Credit Report and XXXX   Credit Report, I informed Discover of this and they told me it would be fixed and now nearly 10 months later it is not. I contacted the credit agency and I was told that Discover needed to file to have the credit reinserted to my credit report which I informed Discover of this several times and I continue to get the run around, it is still not appearing on my credit. Why is it hard for them to just reach out to the credit reporting agency and have the account added back to my credit report so I can get credit for my payment history it is not right and not fair. I recently called in and a month later received a letter in the mail from Discover asking me to fill out a form of what I'm i disputing which they already know what I'm disputing and also on this form it's is asking me to place my Social Security Number and Date of Birth of a piece of paper and mail it back to them, why would I risk putting my personal information on a form and mailing it when they have all of this information, it seems to be very silly and not professional at all. I been dealing with this for nearly 10 months when Discover could just reach out to XXXX   and XXXX  and have my account reinserted on my credit report but instead is asking me to write what the issue is on a piece of paper and mail with sensitive information to them which these days with mail being lost why would I just want to put my information on a piece of paper and place in the mail, Discover is not protecting me the consumer and every time I have asked to speak to a higher manager have always been told someone would call me back and never hear from anyone. Bad customer service.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX/ XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (FL)

Current Bank Opened account for the family ... .Friend Repays a loan we gave them during covid .... 
They had this bank and said it be the easiest fastest way to pay me Had no problem receiving the money .... 

Getting the money out was a different story ... .Two biz days to receive ... 

Night before the ach transfer ... .I get a email asking me about the money who sent it and it's relationship to me ... 

I answer them they cancel the transfer ... ..and restrict my account ... .. 

No answer back in two days ... ..If issues why not allow the money to be sent to me? Why not ask this all before receiving it? Now I am stuck I can't pay my mortgage ... .I am hostage to them until they send out my money ...
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I noticed I had a " charge-off '' reported on my secured credit ( with {$700.00} limit ) by america first credit union. I contacted them on the phone on XX/XX/XXXX to dispute this. On XX/XX/XXXX I received noticed that they have reported it correctly and it was a charge off as of XX/XX/XXXX. I stated to them this was incorrect that I requested the card closed on more than one occasion shortly after the balance was zeroed out at my local branch. AFCU dispute department claims they have had no notes from the branch stating I wanted the card closed. 
The last time a charge was made was XX/XX/XXXX in the amount {$36.00} which then put me to a limit of {$710.00} this is when a barrage of charges ( finance and late ) began that resulted in the charge-off amount of XXXX. So again this has been 1 year and six months of late fees and charges for going over my {$700.00} limit my XXXX dollars. Per the credit card act of XXXX they should have had my opt in to go over the limit which they did not. So for 1 1/2 years I was charged unfair and unreasonable fees to get this overage of XXXX dollars that should have never been authorized per the credit act. The act also states issuers can charge higher penalty fees only if they demonstrate to banking regulators that their costs ( collections etc. ) justify a higher fee. Under no circumstances can a fee for a late payment or an over-limit transaction be higher than the minimum payment you missed, or the amount you went over your credit limit. I was being charge XXXX a month for a card I stopped using for a year and a half. 
I was respectful in taking the stance I with AFCU that even though I requested closed at the branch that I should have double and tripled checked that it was indeed closed, they gave me a list of the times they tried to contact me and I told them I work graveyard shift and did not respond to calls, and with letters I discarded them as junk because I had no further business with them, due to the fact that I closed my account with them for my vehicle loan I had no further reason to conduct any business with them. Maybe if I still had my loan and was a customer with them the dispute department would have been more reasonable with customer service in giving a customer the benefit of the doubt that a mistake was made by the branch in not closing the account as I requested. In closing I hope they will resolve this issue on their end this was a secured credit card that was my money not theirs and to charge a customer for a year and a half of finance charges and exuberant fees is in my opinion not a fair and reasonable way to conduct business with the public. AFCU charge-off resulted in lowering my credit score and being able to get better rates to refinance my mortgage.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Hello, my car loan with Usaa federal savings bank and always paid on time. I had autopay they cancelled due to system issue and set me up for different type of payment withdrawals by phone in XXXX for payment to be withdrawn monthly with my authorization they told me and will turn autopay back on when their system fixed. Now i received bank statements that payment for XX/XX/2022 was not withdrawn i called usaa since not heard from them at all. They said not sure what happened but yes we had you setup for payment to be withdrawn but until XXXX not XXXX. They did NOT do their part when i signed up for loan they told me USAA will do 15days CALL follow up if payment not received 15days after the Due date and second follow up will be done by phone from them 30days after the due date. Now follow up done and I was not informed auto pay not fixed and payment setup was not completed. They reported me for being late over 30days when I was NEVER noticed by phone 15days or 30days after payment due. They did not do their part and what promised to me. I had no idea my payment was due and not setup by them as promised to me by the representative that spoke to me in XXXX now ruining my credit which is always been excellent refuse to listen to the issue and accept their mistake and remove this late payment from my credit report. Please assist me! I am disputing late payment from USAA when this company did not inform me payment not setup not received and due. I always pay everything on time as my payment history shows. They admitted that they did not follow up with me by phone 15days/30days after the payment was due but refuse to remove this from my credit report. Dealing with death of loveone in XXXX was not enough now having deal with USAA not doing their job and failing to do call customer for 15days & 30days follow up notice on due payments
Consumer complaint received 2023-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Foris DAX, Inc. (CA)

Crypto.com Visa card has freezed my card 4 months ago after disputing unauthorized transactions and they refused to resolve my complaint or give me access to my funds and utilizing my account funds as a weapon against me {$4000.00} USD
Consumer complaint received 2019-12-31
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-12-30
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. (GA)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After reaching out to all the banking institution that has affiliation with the day in question there has been no re-possibility on the part of the institution involved for the {$1000.00}, I attempted to transfer on XX/XX/XXXX to number XXXX XXXX XXXX through XXXX XXXX . I have been given the information from Bank of America that they acknowledged that the money of {$1000.00} I attempted to deposit into the account of my husband. They disclosed that the phone number linked to my husbands account ( Bank of America ) for no reason was linked to another account at XXXX XXXX, this mean my transfer was redirected to XXXX XXXX  where they acknowledge the money was deposited but yet they can not give me any information about the transaction. We never changed any Banking information that would cause for the money to be directed to XXXX XXXX, we don't have a XXXX XXXX  account and never had any affiliation with XXXX XXXX. Bank of America refuse to give any information regarding what account or transaction number that could assist recovering the money that was directed to a account that we have no knowledge about, we ask that they investigate the day in question or anything that can help us trace the money to the account that we never authorized. I spoke to XXXX XXXX  and they were willing to help with the necessary information but the attempt was unsuccessful due to not having enough information due to the fact that we do not have any account with them. 
I have reached out to XXXX for an investigation and they only play a blame game with Bank of America. This is highly unthinkable that this money can not be traced to the account in question. This goes to show either somebody is sleeping on their job or there is a clear conspiracy to rob me of a XXXX dollars at this crucial moment I respectfully request you to use your good officer to cause a thorough investigation into this murky banking practice that has the potential of bring the banking institution 's good name into this disrepute. Your prompt dedicated and meticulous action on this matter is high anticipated. 
Best regards!
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (IL)

I went to purchase a vehicle and was approved for a loan. The dealer required me t get insurance but did not include that amount in the Truth In Lending Statement/Finance Statement in violation of 15 U.S. Code 1605. In addition, the dealer failed to mention that there were problems with the transmission as they had already known this information. The truck has major jerking problems, the transmission slips, and sometime stalls. This was known prior to selling me the vehicle. I was also approved by the lender for credit, and then I was required to put a down payment down in the amount of {$3000.00} when other people with the same credit were not required to put a down payment down. Twenty days passed and they did not respond to my rescission letter. Other purchasers with similar credit were offered more favorable terms and interest rates than I was.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ME)

Portfolio Recovery Associates continues to call me about a debt that I do not owe. The statute of limitations was over five years ago and it has since then been removed from my credit. This has continued over the last few years and they will not stop calling even after I have told them so.
Consumer complaint received 2020-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.