davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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: WELLS FARGO & COMPANY (CA)

I have contacted XXXX XXXX in XXXX to get a full day touring service, since my family and I were going to be in XXXX on XX/XX/2022 during XXXX cruise. I asked for a day transportation and services for XXXX guests in my group. Itinerary was drafted, i agreed to it and paid in advance for the day of service with my Wells Fargo Visa card, when we got there 50 % of the promised service wasn't provided, they charged me for entrance tickets and headphone for places we never got to, we were told they were closed. the entire trip was ruined, cause we all paid to spend a day in XXXX with all the good places that we wont be able to return and repeat. i came back asked the agent i was in touch with to credit me with the amount i was charged to places and items used that we never got the service for. he declined and stated i hope next time it's better service. i filed a dispute with WF waited for 6 month then came back with a decisions that they can't credit me the amount of XXXX. I contacted WF dispute dept again and again and again, spoke to so many people got the run around with no help at all.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 the blocking of the erroneous information that 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, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/XXXXXXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance {$570.00}XX/XX/XXXXXX/XX/XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00}XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX XXXX Balance {$770.00} XX/XX/XXXX XXXX Balance {$590.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (IL)

I deposited {$500.00} in XXXX on a site called coinbase.com. 

Now I cant access my account it lets me login then it doesn't load anything and is unresponsive an has been doing it for weeks now.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I am unable to check the status of disputes or pull my annual credit report from equifax they keep saying they are going to fix the problem for months but have not. It keeps telling me the information i have entered is incorrect but it is correct.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

Hi, I opened the secured credit card from Wells Fargo in XX/XX/2014. I was told at that time that by creating the history with this secured credit card which was my first credit card I would build up my history and then after I could show how good lender I am I could release my secured credit card and upgrade it to a unsecured credit card which is a normal routing credit card. At that time, I have had no history and as a international student who knows just one bank, Wells Fargo, which is located at my university I heard what they told me and open the secured credit card in XX/XX/2014 with Wells Fargo. 

Now, after almost 4 years of having this secured credit card and pay more than {$100.00} of fees to obtain the card each year my credit card has not been upgraded yet. My credit score is excellent now, I have had no late payment and I always use less than 10-30 % of  my credit line. I have credit cards from XXXX and XXXX XXXX and have more than {$15000.00} of credit line in total. I receive offers from different credit cards each week as well. I called Wells Fargo many times and went to their different branches to request for upgrading but they just decline and the only reason they sometimes provide is that I am not Citizen neither Permanent resident in US which is not supposed to be a problem since I have Social Security card and I have different credit cards from different credit card issuer. I even asked to at least pay me back the entire fees that I have paid since XX/XX/2014 which is {$120.00} and wave the fees for the future to worth for me to obtain the credit card but they did not do that as well. 

I would appreciate it if you can follow up my issue to either upgrade my credit card to unsecured or pay me back the fees. 

Thanks.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

XXXX billed me for a unknown item and auto charged it to my XXXX XXXX, I reversed the charge. They then sent my file over to Convergent to collect the fee. Convergent has made a negative mark on my credit dropping my score nearly XXXX points. I can not contact Convergent. They do not man their phones and they do not respond to contact requests. I have called over a dozen times and theres no way to leave a message. I do not have my account number and can not pay online. Im attempting to buy a home and this has affected my credit score severely and has lowered my ability to borrow money. I would like this debt removed.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX This need to be removed I have reported to remove from XXXX report
Consumer complaint received 2020-02-03
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. (TX)

On my Experian credit report, the balance for my XXXX XXXX XXXX credit card still indicates a balance of {$110.00} - it has not been updated since XX/XX/2019. Per the XXXX XXXX XXXX credit card center, my balance is {$0.00}.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WI)

I believe that I have been a targeted by your employees to discredit and discrimination. 
Since I open this account I have received over XXXX by 6 unauthorized debits, and believes there may be a conspiracy to steal my money with the government to cause negative default upon accounts with the U.S. Department of Education. 
My concerns were not address in XX/XX/2018 and I am being charged for checks fees that arrangements were made and should have not taken place, however, instead of honoring my requests I am being hit with boomerang checks that I specifically made arrangement therefor. 
It clear that on XX/XX/2018, when I first experience this problem with this account, I made arrangement with the Department of Education and US Bank to discontinue the boomerang check as I were hit with unauthorized checks and fees, instead of honoring my arrangement to prevent this reoccurrences with US Bank as XXXX have long history with banking discrimination, however, it seems, that here in Wisconsin, US Bank team up with corruption and help discrimination and hacks the internet to continue discrimination activity.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

Original complaint was case # XXXX and was handled by XXXX XXXX to my complete satisfaction - the problem is my payment date was changed when the card was re-instated - never noticed - When I started at XXXX we were paid once a month - since the XXXX 's all payments dates were the XXXX of each month - so somewhere in the XXXX or XXXX month my payment ended being late - honestly I have no intention in paying a late fee or interest charges due the mix up - first my payment date needs to be moved back to the XXXX of each month - I believe my account is current without fees and charges added - would like to keep account active - Thanks XXXX  XXXX
Consumer complaint received 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (GA)

I purchased my condo in XXXX, GA in XX/XX/2017, mortgage processed by XXXX XXXX XXXX but sold immediately to Guild Mortgage Co who is also serving the loan and handling the escrow account. 

My monthly escrow payment amount has been approx {$210.00} to {$220.00} for the last 24 months. I just received a notification that my escrow will now be {$760.00}!!! 

My taxes went up by {$2400.00} in one year, so I have a negative escrow balance of {$1700.00} which I offered to pay in full but have been advised by Guild that I can not do so. Also, they NOW are requiring I deposit an additional {$2000.00} into the account. This feels like extortion! 

My payments were {$1200.00} and now will be {$1700.00}. I can NOT afford this and as a result could lose my home!! AND If I do qualify to refinance my loan to a new mortgage company I will end up paying in excess of {$3000.00} in processing fees!! 

FURTHER, my home was appraised at $ XXXX and I put down enough to get the loan balance under 80 % of the appraised value, but because I purchased my home at $ XXXX Guild refused to waive PMI at the cost to me of over {$46.00} per month. 

This seem criminal to me and I can NOT be alone with this problem. XXXX PLEASE INVESTIGATE. 

XXXX XXXX
Consumer complaint received 2018-08-28
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. (CA)

I was reviewing my credit report and I noticed negatives on my report that shown as reporting old debts as new, update credit paid account not processed. So, I started a dispute online only to get no where with this! I called the dispute department and spoke to XXXX  told him the situation that the creditors are not reporting accurate information and not update paid account. In front of me I was logged on to Experian viewing what they had place on my report. After talking he said he could not help me this was a membership dispute! I told him this is not correct to speak to membership on dispute when I had followed the online directions to the dispute department with Experian. I said all right I will speak to them so, I did. In membership I spoke to XXXX and we went over the problem and he said this was a dispute problem not membership. I told him that I did mention this to the dispute department. Then XXXX transferred me to dispute once again. The minute I spoke to XXXX I requested a Supervisor to handle from here on she said maybe I could help you with this! I told here that I was tired of having to be toyed with this that she will be given same result not get anywhere with this. She decided to further the problem by not transferring me to a Supervisor she started to investigate the problem and the result came the same could not help me. Then I was frustrated with them stealing my time and my health in trying to correct a simple corrections that they could resolved over the phone. I was on there website viewing there posted information on the report I did mention to them that how could they not see what Im seeing!
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMERCE BANK (MO)

Commerce Bank sold my account to XXXX XXXX XXXX in 2019. Then they reported my account as cancelled to the IRS. This was wrong as XXXX XXXX XXXX continued collection for this account. IRS is now wanting me to pay taxes for cancelled debt in 2019 for Commerce Bank.
Consumer complaint received 2018-08-28
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. (AL)

Today, I find from XXXX XXXX that I have an inquiry from XXXX XXXX done me on XX/XX/XXXX XXXX. I have not authorize XXXX XXXX to do an inquiry. They do not have verbal nor written permission from me to put my credit report on XX/XX/XXXX. The time I given to them was in XXXX to open up one. I do not want them to put my credit report without my written or verbal permission. That is illegal plus unlawful. Plus it is lowering my credit. I want them to notice Equifax and get that unlawful inquiry off immediately. I would like for this to go public so everyone will know that they are pulling credit report unlawfully. 
I call Equifax today and was told that I have to call XXXX XXXX and have it remove. They ( she ) would not even investigate. Therefore, the company ( Equifax ) is sent out incorrect information. She told me to call XXXX XXXX myself but yet you are send out incorrect information. They will not be able to produce a written or verbal conversation where I given them permission in XXXX to pull my credit.
Consumer complaint received 2018-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

I mailed a principal payment in the amount of {$6200.00} overnight via XXXX  on XX/XX/18. 
It was received and signed for on XX/XX/18. They posted the check on XX/XX/18 and back dated it to XX/XX/18 and it should have been back dated to the date received which was XX/XX/18. 

I called customer service and then escalated to a manager, I advised I should not be paying interest on {$6200.00} for 7 days that the check was floating around their office and that the check should be back dated to the date received which was XX/XX/18. The manager told me " they post the check when it comes across their desk and they are in the XXXX so they don't have to follow the rules of the USA ''.
Consumer complaint received 2023-03-28
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: Pinnacle Credit Services, LLC (CA)

XXXX XXXX  Account name holder is XXXX XXXX And the debtor is XXXX bank pursuant to 18 USC 8 I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 XXXX  company has also no permission to put anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2020-02-03
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. (NC)

I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did, as a result, they're telling me they're no longer investigating on this matter.
Consumer complaint received 2022-03-10
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. (TX)

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. 
XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.
Consumer complaint received 2018-08-28
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. (HI)

TransUnion has the following information on my credit report and it is not correct : Shows a late payment account from : XXXX XXXX  This has never been late. 

XXXX XXXX XXXX This is not my account. 

XXXX XXXX This account was never late. It shows charged off. {$57.00} XXXX XXXX This account was never late. It shows charged off. {$4000.00} XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Consumer complaint received 2018-08-28
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)

I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
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)

XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish without my written instructions.
Consumer complaint received 2018-05-04
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. (IL)

I have disputed a public record item ( Bankruptcy ) on my credit report that does not belong to me through all there major credit bureaus ( XXXX, XXXX, EXPERIAN ) and after their investigations both XXXX and XXXX deleted the public record ( Bankruptcy ) but Experian is claiming that after their investigation the did not delete the item because they verified that it belonged to me.. After getting these results from Experian I contacted Bankruptcy court and they told me that they do not provide any credit bureaus with any information regarding bankruptcy filings so I then disputed it again sending them the information that I received from Bankruptcy Court and requesting that they provide me with the methods used in their investigation process to help me to understand how they verified this information if I Bankruptcy Court doesn't provide this and they have failed to respond. I have requested that Experian remove this inaccuracy from my credit file and they have yet to it.
Consumer complaint received 2022-07-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.