davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

Called my home on a false debt. Debt was incurred either by identity theft or fraud, I dont which. The debt was incurred over 27 years ago according to the Convergent agent. I was not informed about the place of the original debt nor of the company name. Convergent has not released the address nor location of the person receiving the loan or service. 

I am XXXX XXXX XXXX and my XXXX XXXX XXXX, but during that time ALL my bills were paid on time with no delinquencies. I XXXX XXXX XXXXXXXX XXXX XXXX and had less than 6 days a year at home for personal time off from XXXX to XXXX.
Consumer complaint received 2020-04-10
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. (CA)

I rented a car in XXXX, XXXX on XX/XX/XXXX from XXXX  and was charged {$180.00} more than my written quote. Once I returned to the U.S. on XX/XX/XXXX, I called Chase to dispute being overcharge by {$180.00} by XXXX XXXX ( who charged me {$470.00} on XX/XX/XXXX and the transaction posted to my account on XX/XX/XXXX ). Chase reversed the {$180.00} charge while the fraud department allegedly reviewed the case. Despite providing documentation to Chase proving I was overcharged, they ruled in XXXX XXXX 's favor and re-billed my credit card for {$180.00} on my XXXX statement. 

Upon receiving my XXXX statement from Chase, I noticed the following three new charges from XXXX XXXX : 1. {$52.00} on XX/XX/XXXX 2. {$53.00} on XX/XX/XXXX XXXX. {$53.00} on XX/XX/XXXX ( the exact same amount a # 2 on charged on the exact same day ) I proceeded to call Chase to dispute these three new charges by XXXX XXXX totaling {$160.00}. I have called and written Chase repeated and still have no resolution on the {$160.00} of fraudulent charges. I returned home on XX/XX/XXXX and have absolutely no idea why or what for XXXX XXXX was charging me for on XX/XX/XXXX and XX/XX/XXXX. Chase somehow send the {$52.00} dispute to their " compliance department '' and the two, {$53.00} charges went to their fraud department. Nobody I have spoken with has any idea why this happened, nor can they provide me with any information on the status of my disputes. I have spent more than 10 hours on hold and speaking with various " customer service '' representatives in overseas call centers who have no information and simply transfer around to different departments. 

I am beyond frustrated at this point. I have now been charged {$630.00} ( {$470.00} + {$160.00} ) by XXXX XXXX for a rental car that I was provided a written quote for approximately {$290.00} ( the quote was EUR XXXX ). Chase is a colossal global financial institution who provides who could not care less about its customers. I want a fair and rapid resolution as this has been going on for more than three months and I have invested way too much time and energy seeking a fair resolution. Chase is as much at fault as XXXX XXXX, by failing to review the facts of these disputes and stonewalling every attempt I have made to get resolution
Consumer complaint received 2020-04-10
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)

Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. XXXX, XXXX and Experian are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!
Consumer complaint received 2020-04-10
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. (SC)

I contacted Equifax numerous times and also try to dispute online. My information and account information is incorrect. accounts have been removed, which are still open. Account balances have decreased, when they have not. closed accounts open with balances. and numerous more issues. This has drastically dropped my credit score. 
When I call for assistance I am told that I am not giving them the correct information that is on my account, which is not the correct information and there is nothing they can do to assist. I have asked to speak with a supervisor and I am told that there is no one else I can speak with. the caller was in XXXX XXXX, which I thought was odd. I am trying to get a loan for a new home and this is affecting my credit score and can not get anyone to help me from Equifax.
Consumer complaint received 2020-04-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo received the paperwork needed for forbearance in due course but instead of processing the paperwork, the phone rep told me they required a payment to process it ( I could not pay due to financial hardship ). Wells Fargo chose not to process the forebearance and illegally sent the loan back to XXXX. Collections charges have mounted from this illegal act. 

I have since informed XXXX  of this issue and they failed to acknowledge it. XXXX proceeded to sell my loan to XXXX and did not inform XXXX of the issues surrounding the loan. XXXX has now sent the loan to the US Department of Education. 

Wells Fargo has since written this loan off as bad debt and resolved the account. XXXX and XXXX have no claim to this loan.
Consumer complaint received 2023-06-23
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. (TN)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 2021-12-20
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)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.
Consumer complaint received 2020-04-10
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: ONEMAIN FINANCE CORPORATION (TX)

Onemain XXXX, IN XXXX ( XXXX ) XXXX This is showing on my XXXX Report. I do not recall every trying to sign up with OneMain. I'm afraid there has been some sort of identity theft. 
I do receive a lot of mail about loans. Not sure if someone tried using it for their benefits? Please advise
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I recently had to sign up for unemployment, unfortunately the money was loaded onto a 10 year old reliacard  that I no longer have. Upon realizing this I attempted to have a a new card issued. On XX/XX/2020 I called the reliacard  customer service department where I waited on hold for almost 4 hours only for the line to disconnect. I decided to try again this morning XX/XX/2020 at XXXX. Each time after waiting on hold for 2 hours the line would disconnect. This happened SEVERAL times. While I do understand that in the time of this terrible pandemic things are behind & wait times are long, this company could at least do customers the decency of not just disconnecting calls after having people on hold for hours. I still have no resolution for my card nor can I access my unemployment money so I can pay my bills.
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To Whom It May Concern, On XX/XX/XXXX I went into my XXXX XXXX   account which I haven't done in a long time and noticed in all my collections there is a charge of {$970.00} loan amount from XXXX. I called XXXX on XX/XX/XXXX to validate how I owed them any money. What had happened was back In late XXXX maybe early XXXX I had a family plan with them and a separate phone line. All my numbers on my family plan got moved to a different provider. As for my other phone line I paid it off and closed it since I believe I was on a month to month term with them. I Know 100 % I paid in cash at the XXXX  store in full amount owed. While on the phone today they said they were billing me even after my account was closed because the person at the store never closed the account. I asked them to remove this whole thing from my report as this is inaccurate. The customer rep told me to go through each credit reporting site to dispute this. I do not owe them any money and never used phone there talking about. If someone else did such as that customer service rep from the store that is fraud and I should not be held responsible for something I never Authorized. I am Looking for all major credit reporting agencies to have this removed under the fair credit act since this is all Inaccurate and unverified Information. I will also show you guys a picture of this inaccurate info that they have on my credit file.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hello, I had a closed credit card with Bank of America that I was making regular payments until I was affected by the COVID-19 virus. I had to suspend operations at two businesses while also recovering from the testing positive for the virus itself. BOA submitted to the credit bureaus that I missed multiple payments and refused to assist in getting this matter resolved. Now i'm forced to go to plead my case to each bureau. I'm a XXXX XXXX. My fianc is too and went back to work the front lines at the XXXX whilst XXXX XXXX XXXX Bank of America is an irresponsible and inhumane organize that lacks a moral compass.
Consumer complaint received 2020-04-10
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: DISCOVER BANK (OH)

Today I received an offer from Discover to lower my interest rate to 0.99 %. When I calculated the terms I discovered that the rate was really 7.99 %. I used the online chat feature to question them about the discrepancy. They refused to acknowledge the discrepancy and instead offered me a rate that was closer to 2.2 %, but continued to insist it was 0.99 %. I asked them to send me all the terms via email so I could review with my advisor and they refused. I told them I would not agree to any plan without having all the terms in writing. At that point they tried to pressure me into signing up for a payment plan because I have had one late payment in the more than 5 years that I have had the card. It was LATE not MISSED. Recently they have been harassing me by phone and email trying to put me on a payment plan because of that single late payment. 

My complaint concerns the bait and switch interest rate, the refusal to provide me with terms of a financial contract in writing for my review before I agree to it and the harassment by customer service reps for a single late payment.
Consumer complaint received 2021-12-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX. XXXX XXXX received and processed my payment. They misapplied it to my XXXX statement. On XX/XX/XXXX they reported me 30 days late to the credit bureau. Not only was is not late, the account was put into bankruptcy in XXXX and should not be reporting to the credit bureaus, as all payments are voluntary. On XX/XX/XXXX they put the XXXX payment back to where it belonged, bringing the account current- but the damage had been done to my credit. 

I called XXXX in XXXX when I saw misapplied reversal on my statement- they told me it had been handled. Clearly it had not. XXXX is now telling me I should dispute this with the bureaus. They are clearly in the wrong. They have misreported my payments, reported an account in bankruptcy, and caused my cresit score to drop significantly.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MD)

XXXX Chase Credit Card has flagged my account for the late payment. My XXXX payment is scheduled to pay on XX/XX/XXXX and there was no payment due when I checked the account. I never received any phone call, invoice from them stating that my account is past due. This account has been closed since XXXX and I've been making {$150.00} payment since then. 

Per XXXX payment history I've made all the payments on time it's showing as 85 % payment on time. My account is not delinquent. Also, I requested XXXX Chase XXXX to change my payment date multiple times toward the end of the month and it was never done. 

XXXX Chase XXXX informed that I am behind on my payments and they stated that because I owe {$150.00} on XX/XX/XXXX. I told the representative that why are you asking for a payment in advance because the due date is so far. I feel like they have been pushing clients so much to collect a big amount instead on focusing on monthly payment and flagging the account for no reason.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

Hi my name is XXXX XXXX, I have a auto loan at westlake financial services and I can't pay this month, is the First month can't I pay, for problems of Covid-19 and I need 3 month the extension but westlake financial doesn't want give me the extension.I asked them for an extension because I was not working due to covid 19 problems. I need your help because doesn't want give me extension
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

Mr. Cooper took over servicing of my mortgage from XXXX ( XXXX XXXX XXXX ) in XX/XX/2020. I had made my XXXX payment early to XXXX before I knew about the transfer. My account with Mr. Cooper does not reflect that I made that payment, and I've already contacted them and sent copies of my checking account transaction history, and XXXX transaction history showing the payment. They said they would research it and have a response within a month. It's been 31 days today, and I called back to follow up. The customer service representative I spoke to told me the research request had been closed without comment. My account is still missing the payment, my credit score has dropped, and Mr. Cooper is robocalling me with payment reminders for a payment that I've already made that they lost.
Consumer complaint received 2021-12-20
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. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/2020 PHONE ACCESS UNAVAILBLE NO ON LINE ACCESS XXXX USAA Rep XXXX only works inside app on line UNABLE TO TURN XXXX ON UNTIL I AM VERIFIED. I CAN NOT ACCESS TEXT CODE WITHOUT XXXX READ BY USAA AND IT CAN NOT TURN ON. USAA does not provide on line OR PHONE ADA ACCESS.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2020-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX {$600.00} XXXX  XXXX XXXX {$2300.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2023-06-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$42000.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX {$980.00} XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXXXXXX