davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

On XX/XX/2021 I contacted XXXX to inform them of a change of bank payment that needed to go in effect for the next payment. The next payment was due on XX/XX/XXXX. XXXX attempted to use the old account charged me a {$29.00} fee. I contacted XXXX on XX/XX/XXXX regarding the reminder of the change of account. After frustration, I manually paid the account. On XX/XX/XXXX I checked my score which dropped XXXX points because they reported a late on my report. I contacted XXXX and they apologized and said the late would be removed due to the error on THEIR PART within XXXX days. They also agreed to remove the late fee of {$40.00} and offered me a gift card for THEIR ERROR! 

I have included a screenshot of the account as well. XXXX # XXXX
Consumer complaint received 2024-03-17
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. (CT)

Equifax does not have about 50 % of my credit reported, I have contacted these tradelines and they DO report to EQ but EQ seems to refuse to post them and this is causing damage to my credit, I show 50 % less credit then I actually have and its leading to me being denied credit for a " Thin file '' or " not enough credit history '' at places that happen to pull Equifax!!! 

I have uploaded a copy of my XXXX report as well as my Equifax and you can see the difference aka missing items on the EQ vs XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jon Barry and Associates, Inc. (MS)

Paragon Revenue Group XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX This firm has called me numerous time prior to XXXXXXXX XXXX  XXXX the time zone in which I live- I have asked them several times that they are calling me prior to the authorized times. This has woke me up and disturbed my sleep. 

They continue to call unrelentingly knowing they are calling prior to the legal time period
Consumer complaint received 2022-01-03
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: EQUIFAX, INC. (NJ)

I have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : 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
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Ive been a Wells Fargo customer for many years and am constantly charged overdraft fees because they dont credit my account on time when I make a deposit and a recurring payment may need to be paid. I feel this is intentional to get extra money from their customers. Please add me to the class action suit.
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (CA)

I've made numerous attempts to get a billing statement and welcome packet. 

When I got the loan I was told there would be a way to see my billing statements online, there is not. I can make payments online through an online portal, but there is no way to view " my current balance '' Portal link : XXXX However, this online portal does not appear to be a secured system for logging too. ( A person only needs your email, zip, and account number- NO PASSWORD? ) Im extremely frustrated with this company, as today when I called ( like every other day I've called ) they validated my address and have make no indication that the address in their system wrong until today. Something I ask on numerous other calls and requests. 

I'm concerned this company 's methods are NOT in line with federal and/or state requirements.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (GA)

Tried to make a car payment in in the amount of XXXX dollars it took XXXX days for it to go through I tried to cancel the account after then they hit me with fees after I took what I had in the account and left me with a negative balance of XXXX after all the fees piled up, cant get it off of my credit history now.
Consumer complaint received 2024-03-16
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P. (PA)

Resurgent - LVNV Funding LLC - XX/XX/2022 They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-03
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

I purchased my home and it was mortgaged through XXXX XXXX in XX/XX/XXXX. My monthly payment was {$830.00}. Chase bought my mortgage from XXXX XXXX in approximately XX/XX/XXXX. Since that time my monthly payment has steadily increased till now it is currently at {$850.00}.
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/XXXX I used my credit card to get gas. Shortly after my card was used at a XXXX and XXXX. When I noticed I called and had the card cancelled and was mailed a new one. Now, a month later, the charges have been added back and I was not aware why. When I called they said it was because the chip was validated. When I explained I lost the card they said I should have filed a police report. However, they never told me to file XXXX when I submitted the claim. I should not have to pay for someone using my card fraudulently.
Consumer complaint received 2019-12-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The problem bank is CapitalOne, , Exp XX/XX/XXXX this Visa card was issued to me XXXX XXXX XXXX and for over a year I can not view this account, why?In XX/XX/XXXXthis bank informed me that they were sending me a new card, which I did not receive after a month of waiting.  I called the bank and requested that they cancell that card.  About 10 days later I received the new card but was informed after attempting to use this new card that they had cancell this card.  Over this past year it has been impossible for them to allow me to access this account for one reason after another of lies and harrasment.  I called their bank numerous times spending 30 or forty minutes attemptimg to get access to this account. As they have purpus;y blocked me claiming that they needed proof that it was me they were communication with.  More lies on their part, why?  After they informed me that they had changed my credit rating I contacted the Consumer Protection Agency...several times...to this day I am not able to access my account to see the errounous late fee charges that they claim but are not entitled too.    Finally several months ago they sent me reminder after reminder of forth coming payments to my email address that has not changed for 15+ years.  I called to make a payment and was asked by their employee if he could charge my XXXX  account. I then asked to speak to this mans supervisor after42 minutes of conversation he hung up on me.  I had asked to create a new password to enter a new account that they had created but never informed me of.  Since  that conversation I have had to call to make a payment on the unknown account.  My most recent dealing with this bank was again another failier, howerver, the native english speaking woman was most helpful untill I requested that I be allowed access to change or add a new password and was informed that department was not responding.  I guess they  hope that I will die or go away but for sure thay have no intention ‘to do the right thing’  So...Here I am requestion you to assist me as I know no other way to get them to respond.  This Capital One organization  thinks that they can  ‘get away with anything’ as they also have the credit rating company.  Why am I not allowed to see this new account whic they want me to pay on, with their laet fees and what ever else thay can concock to steal my money?XX/XX/XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Received a letter from "XXXX XXXX XXXX" and a check from "XXXX XXXX XXXX." in the amount of $XXXX. The letter indicated that the check was to cover the amount of legal and administrative fees associated with the winnings. I deposited the check into my USAA checking account on XX/XX/2019, and followed up the next day with the bank to see if the check had cleared and been deposited into the account. The USAA representative (and the balance on the phone app) told me that the check had cleared on XX/XX/XXXX. This conversation was recorded. On XX/XX/XXXX, I sent out a check in the amount of $XX/XX/XXXX for "fees" as directed by the letter. On XX/XX/XXXX, I was alerted by USAA that the check from XX/XX/XXXX had bounced. Had USAA not repeatedly told me that the check had cleared into my account, I would not have made any additional steps. I have been defrauded by this company but I was also not protected by USAA as their representatives gave me deficient information that led to me being defrauded by this company.
Consumer complaint received 2019-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX XXXX XXXX XXXX    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX   date  :XX/XX/XXXX   XXXX XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Its been reported that I have two accounts open with capital one and then saying I am 90 days behind on payments.. I have two credit cards one with capital silver something I believe then one is XXXX XXXX XXXX the only two I have.. then I have never ever been 90 days behind so not sure if someone got my information or error somewhere but not sure where this information come from and saying XXXX years with that one I didnt have one XXXX years ago.. I think the two I have now it hasnt been a year yet but maybe alittle over but before those two never had a credit card ever
Consumer complaint received 2019-12-17
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CA)

On XX/XX/19 I reached out to XXXX XXXX XXXX XXXX to settle an account that I cosigned on, that was originated with Navient. They agreed to accept a lower amount ($XXXX), if it was paid that same day. After receiving the offer by email, I called back and paid in full, by electronic check. I was assured that I would receive an email and letter that this account was paid in full, and that this account would be removed from my credit report. The payment cleared my bank on XX/XX/19.  I have called XXXXr 6 times beginning on XX/XX/19, and each time was told that I would receive such letter by end of business day.  As of XX/XX/19, have not received letter or email. I have also reached out to Navient on XX/XX/19,  with no better luck.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

During the last week of XXXX I was given a settlement offer on my XXXX XXXX account. I was assigned Sequium Asset Solutions reference # XXXX. I was told 4 payments of $XXXX would be taken monthly during XXXX, XXXX, XXXX and XXXX.It was not made clear to me that these are post dated payments. I made XXXX  payment by phone with a customer service rep. In XXXX  I decided to call a make the payment early. I made a payment for $XXXX  on XXXX.On XXXX a transaction for $XXXX by Sequium was showing on my XXXX XXXX Checkoing account, this was charged by the merchant to my debit card.I filed a dispute with XXXX XXXX and the funds were credited back to my account.I called Sequium on XXXX. The Supervisor informed me that my account was debited on XXXX because the payments were posted dated.--She also said the rep who set the payments up, set up the wrong amount.I asked if I could make the payment on or before the XXXX of each month through the automated system instead of having the account deibited. She said she would cancel remaining payments and note the account that I would make payments. She asked for the date I would make each payment. I told her I would make payments on or before the XXXX of each month.Today XXXX once again, the amount of $XXXX has been debited to my XXXX XXXX account, this was a Debit Card transaction done by Sequium.I called Sequium today and again, Supervisor XXXX said she would cancel all post dated payments and note the account I will make payments on or before the XXXX of each month(XX/XX/XXXX, XX/XX/XXXX).
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (ME)

I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.
Consumer complaint received 2022-01-03
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. (LA)

On my credit reports, Transunion, XXXX, and XXXX there are 6 credit inquires from XXXX XXXX that is duplicate and/or fraudulent. I called XXXX and they did take care of it by deleting it. When I called Transunion and XXXX, they both told me this could not be done by them. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Also, I while I was car shopping I specifically asked XXXX with XXXX XXXX of XXXX, Louisiana to only use XXXX XXXX for financing my vehicle. Looking at my reports he did not and he will not return my calls. The same happened with XXXX 's XXXX in XXXX Louisiana in XX/XX/XXXX. I have called, left messages, and emailed the manager and have yet to hear back from anyone and it has been over a year. I am fully aware of how car dealerships run your credit to multiple places and that is why I was very specific. Now that I am checking my reports my wishes were not honored. I was given a verbal yes but the proof is on the reports. 
Here is a list of the additional inquires : XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

I received an email from American Express XXXX back in XXXX that I could receive XXXX bonus miles for referring friends and family. I directly forwarded that link to a friend to sign up for a XXXX AMEX XXXX XXXX. The friend filled out all relevant information and submitted. He received his card and started make purchases. I didn't hear or see anything in my account on the XXXX miles. I reached out on XX/XX/XXXX to American Express to inquire. They told me to wait a few days and they'd look into it. On XX/XX/XXXX, I asked again and was told to continue to wait a few days. Then on XX/XX/XXXX, I reached out again and was told that my friend didn't follow the referral link I sent and I was not owed the miles. I was with my friend when he clicked the link I forwarded him, as I was helping him set his card up. There is no possible way he signed up for this card otherwise, as I'm the only one who told him about the card and how since we traveled so much for work, he'd get a lot of miles and status with the card. American Express is trying to keep me from XXXX bonus miles, which is {$700.00}. I believe they're doing this intentionally to avoid paying out customers promised promotions while still receiving new customers.
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

By the grace of god ; I Man deny this account. Who is the man verifying that i opened this account? I acknowledge that this debt was established without my knowledge and i have no contractual agreement with this company. Police report and FTC report enclosed.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

I was in a car wreck in XXXX. The debt was tied up in litigation until the wreck and legal was all settled out in the spring of XXXX. All creditors associated with any medical bills were paid their agreed-upon amount by the attorney 's office. 

I have the invoice from the attorney 's office showing that XXXX  XXXX XXXX settled on this item and that no further action is to be taken. This false collection needs to be removed from my credit report.
Consumer complaint received 2021-12-13
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. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2022-01-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX : I made a FINAL payment to Lane a bryant comenity bank for {$120.00} confirmed. 

it went paperless XX/XX/XXXX i have received a statement to my email every month until XX/XX/XXXX. 

I spoke with not t to find out payoff ON XX/XX/XXXX. I made the payment XX/XX/XXXX XXXX CSR : ID XXXX of comenity / supervisor waived all fees this was still a deceptive practice since i spoke with them on the XX/XX/XXXX and the payment was already late by a day today they said it was due the XXXX but never mentioned that on the last call.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MO)

Tried purchasing tickets in XXXX. I transferred money to two different people ($XXXX to one, $XXXX  to another) using XXXX. Once money was sent, they never transferred tickets over via XXXX. I used XXXX  due to them partnering directly with my bank and being recommended on my mobile bank app.