davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

On or around XX/XX/2021, I made a {$7500.00} bill payment from my Schwab bank account to a XXXX XXXX credit card account. I made the payment in error as the credit card that I was paying had been closed. 

Since this time, I have spent numerous hours on the phone with customer service representatives who have been unable to find resolution. On multiple occasions, we have been advised that an investigation has been initiated and that we should call back in 14 or 30 days. 

The Barclay Bank representatives follow a script and in nearly every instance they advise that they are having system issue and request that we call back. We have called Barclay Bank dozens of times- this is no exaggeration, as phone records would illustrate. I have attached the proof of payment below and yet this remains unresolved. 

Further adding to this issue is the fact that XXXX XXXX  outsources all bill payment activities to a third party, thereby reducing their accountability for helping to drive resolution. 

Today is XXXX XX/XX/2021, and this situation remains unresolved. I am fully prepared to hire an attorney at this point. 

Thank you for your consideration of this matter.
Consumer complaint received 2021-06-30
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. (CO)

I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Performant Financial Corporation (OK)

I never heard of XXXX XXXX until I was sent 5 letters advising me of collection for school debt last yearXX/XX/XXXX. 
Currently I have been under a XXXX XXXX plan. Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and Oklahoma Taxes were taken from me and applied to a delinquent debt. The applied debt was taken by U.S. Department of Education C/O XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also Oklahoma State Regents for Higher Education, XXXX XXXX  XXXX, XXXX XXXX, Oklahoma XXXX. However, this Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX and another collection agency XXXX also a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. XXXX XXXX XXXX never tried to contact me directly to advise they were going to take my taxes. They have never shown in writing any proof of my original copy with signature of this debt. I believe this is an unjust claim for them to take my Federal Taxes and Oklahoma State Taxes due to the nature of the claim. To resolve the problem, I would appreciate and request a full refund. I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XX/XX/XXXX for a resolution. I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. I need assistance as soon as possible. I sent letters also to My Consumer Protection Agency and My Attorney State General. Oklahoma tax was {$920.00} XX/XX/XXXX and last years they also took XX/XX/XXXX $ XXXX.Also included they took my Federal Tax {$2900.00} XX/XX/XXXX
Consumer complaint received 2019-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

I just got a call from a guy who first asked me to confirm my name, then said he was with a company that handles " business issues. '' He was speaking in a thick XXXX accent. He then proceeded to try to get me to confirm my address, which I wouldn't do. I told him he needed to tell me who he is with and to state the purpose of his call. He stuttered a bit. I started counting down from 10. He never told me a company name. I then hung up. I then called the number back and the name of the company is XXXX XXXX XXXX. Another guy answered with a thick XXXX accent. I asked him what their company does. He asked for my name. I wouldn't give it. He said he can't tell me anything about their company without my name. I told him that their business has a very poor approach to contacting customers and that I think I'll report them then hung up. Now that I've checked on the company, it seems many people have received similar calls and it's apparently a scam. It seems they claim to be a debt collector and once they get your financial info, you're toast. The number they called from was XXXX.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (TX)

Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2021 I was trying to buy an account on ( XXXX XXXX XXXX ) I transfer the money to seller but he didnt give the account. seller said close the case so he will give me the account so I did and he still didnt give it.. I cant close the case anymore so I did I use the option unauthorize used and explaining that I got scam but I cant get a refund. I just want to get my money back, I use paypal. Thank you for help
Consumer complaint received 2017-11-20
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. (SD)

CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT XX/XX/XXXX 1. I received a letter from Equifax dated XX/XX/XXXX noting a new current address change had been made to my credit report ( see Page 1 ). I made no such new current address change. 
2. On XX/XX/XXXX I called Equifax and spoke with 5 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX and initiated a dispute regarding the unsolicited change in my current address to XXXX, XXXX, NV XXXX from XXXX XXXX XXXX, XXXX, SD XXXX  per Equifaxs TrustedID Premier Service ( see Page 2 ). My correct home address is XXXX XXXX XXXX, XXXX, SD XXXX ( see Page 1 showing address that the notice of change in address was sent to ). XXXX XXXX is the former address of another XXXX. Additionally, I sent a request to receive my Equifax Annual Credit Report on this date and have not as of yet received a hard copy of my credit report ( see Page 3 ). 
3. I received a letter from Equifax dated XX/XX/XXXX, Confirmation # XXXX, noting that my current address was corrected to reflect XXXX, XXXX, SD XXXX ( see pages 4-6 ). 
4. On XX/XX/XXXX I logged on to Equifax, using Confirmation # XXXX, and noted that no correction had been made to my credit report. Due to my time constraints I logged off from Equifax and when I tried logging back on to dispute my credit report incorrect address I was locked out and I emailed Equifax and advised them of my problem ( see Page 7 ). 
5. On XX/XX/XXXX I received an email advising me to contact Equifax Consumer Services Team Member ( see Page 8 ). 
6. On XX/XX/XXXX I called Equifax and spoke with 3 of their Customer Care representatives and eventually spoke with agent supervisor identified as XXXX XXXX but I was unable to satisfactorily resolve my issue without having to jump through additional hoops ( Equifax was ignoring their correspondence dated XX/XX/XXXX see pages 4-6 ).
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Recently retired from the XXXX, my wife who was looking for a job was scammed for XXXX dollars. We called USAA and they told us its our fault so we have to pay. i was unhappy with the answer but immediately paid XXXX to the bank. I then set the account aside so i can make small payments on it. I had another account for bills, i was paid my retirement check and work check totalling about XXXX. This was to go immediately to rent and vehicle payments, but on XX/XX/XXXX USAA, without an email or letter decided to take ALL of my money and paid off that debt leaving me with XXXX dollars. It has been a week and i have no money no bills paid and struggling with my mental health. they have put me in severe hardship. When i called them they told me there is nothing they can do and it can not be reversed. I just want my bill money back so my family and i can survive and buy food.
Consumer complaint received 2017-11-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (IL)

We were in the process of selling our home and needed a payoff from Ditech to gear if it was feasible to be able to sell our home. I contacted Ditech in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted Ditech for additional information. Ditech was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and Ditech never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to Ditech and the modification was no longer disclosed by Ditech in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by Ditech and there complete lack of service.
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PLS GROUP, INC (IL)

I took a loan out at PLS to send my daughter to college I was current with my payments up until the last month I missed two payments I tried to explain to XXXX XXXX XXXX I did n't have the funds due to my other unexpected bill for my car. I told them I can come in the store and make a missed payment they told me they do n't accepted partial payments. I asked the lady to work with me on my payments she said a manager will call me because they put my check I wrote them when I got the loan through to the bank. I stated do n't put that check through I will come to the store and make payments. XXXX caged this check on XXXX/XXXX/XXXX putting my account over XXXX dollars in the negative. I told them I did n't have the funds can they return it and I will setup payments they declined the lady in collection told me my account was paid and closed. A few days later I received a call from XXXX XXXX XXXX saying I have a balance of XXXX dollars with them I told her you guys just deposited a check for XXXX In my account I do n't owe you anything she stated this is interest from when we tried to deposit the check earlier in XXXX. Today I received a call from my HR dept stating this loan store sent an intent to assign wages for the full amount today. They already received their money and trying to get extra.
Consumer complaint received 2023-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FB FINANCIAL CORPORATION (SC)

I have had an ongoing issue with paying my mortgage. Every month there seems to be a new issue that puts a block on my account to prevent me from paying. On XXXX, XX/XX/23, The block had apparently been removed, again, and when the girl called me to make my payment, she said she couldn't process the payment because the block was still in place. She then said that it could take up to XXXX hours for the block removal to be reflected on the account. She then told me that I could call in Saturday, XX/XX/XXXX, to make the payment. I made sure that she knew that she was telling me that I could 100 % make my payment on XXXX, after the XXXX hour period. I call in to make the payment, and guess who is closed on XXXX. So, I go to my online account, because she said I would also be able to pay there. Well, it is still showing a block on my account and will not let me pay. I have been constantly lied to, with several points I made to ask about to confirm these lies, and I have recorded all of our conversations. I am prepared to take this as far as possible, because this is a clear UDAAP violation, and I am shaking because of how angry I am at my mortgage company lying to me on a consistent basis and refusing to let me make my house payment. No one deserves to be treated how I have been treated. It is so frustrating, that it has had me questioning whether or not I want to continue living. I NEED help immediately.
Consumer complaint received 2017-11-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I send money through moneygram here in california going to my sister to XXXX XXXX, when my sister got the check issued by one of the locations in metrotown XXXX XXXX she deposited the check to her own bnk acct. to her surprised, the check bounce and was charge for that, we tried callng moneygram they kept promissing my sister and me to wait until investigation is done, how long will it take for us to wait? Pls help.the amount of money sent is XXXX usd which was transacted last XXXX XXXX,2017.
Consumer complaint received 2022-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX CARD- ACCOUNT NUMBER : XXXX CHARGEOFF Amount {$0.00} Bureaus : Transunion I've been trying to fight with transunion and XXXX for months, first letter I asked them to verify the alleged account which had a balance at the time of disputting or delete the account, then they sent a letter they updated the alleged account to {$0.00}, then i sent a letter again asking how they were able to verify the account on XX/XX/30, they never response back to me.
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is reporting incorrect information on my Transunion and XXXX Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on Transunion as XXXX XXXX and on XXXX it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IA)

Multiple repeated calls from Syncrony Bank after they were informed to stop previously. Recent calls were XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XX/XX/XXXX XXXX XXXX. Voice messages were left at XXXXXXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

The reason provided to me for not increasing my credit limit was not able to verify my income/ financial information provided. The customer representative pulled my credit report after I provided him with my annual salary. In reality, it is impossible to verify income based on the credit report. 
Now, when I was talking to XXXX XXXX XXXX on XXXX, XXXX 2024 for XXXX minutes regarding the same ( where she is more willing to argue rather than making efforts to solve the issue ), she came up with a completely different answer which is controversial to the official letter provided to me. The new reason she told me was " I asked Wells Fargo to cancel my application ''. Now I want to ask them why there is this severe contradiction between the XXXX answers. And, it also means that the official latter date XXXX, XXXX, 2024 was completely wrong. 
This is the last chance I am giving to Wells Fargo to rectify this mistake otherwise I will take this matter to small claims court. 

Thanks XXXX XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX they did provide me with the original contract as I requested. I have submitted complaints but have not received response and have been told that I have a completion date that is N/A
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX