davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies. 

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XX/XX/XXXX) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for  disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXXXX/XX/XXXX) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt. 

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.
Consumer complaint received 2019-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (WA)

On XX/XX/XXXX I received our new property tax stmt for XXXX. On that was the still due for the remaining XXXX property taxes. XXXX County Treasurer has added on more interest & penalties. Total still due for XXXX is XXXX We owe XXXX to date interest & penalties due is XXXX We are not liable to pay the interest & penalties. If this balance does not get paid XXXX County Treasurer will continue to add interest & penalties. 
XXXX has sent in payments in the amount of XXXX, but that will be returned until the correct amount is paid. It needs to be paid in full. 
I have called, sent in this complaint to cfpb and sent an email complaint to American Financial Res. 
This is worrisome and very stressful for me. I take pride in paying my bills on time and for the correct amount. 
Please get this taken care of, my next complaint will be to the attorney general & XXXX XXXX XXXX, Thank you
Consumer complaint received 2022-02-02
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. (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 2019-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received two emails from Wells Fargo stating that someone had sent money via XXXX to a person I don't know ( Named XXXX XXXX ). There were two transactions and two separate emails for each. 

The first was for {$1.00} at XXXX and the second was for {$250.00} at XXXX I saw the emails about two hours after they were sent and immediately called Wells Fargo to report the fraud and was walked through the process of locking down my account - changing my username and password, some other security measures for phone identification, etc. I was told the fraud case would be opened and I would have my money back in a maximum of 10 business days.

7 business days later I called them to get an update and was told that it was still being investigated, but that I would still have the money back in my account within the 10 business days.

12 business days from when I filed the complaint, I received a letter from Wells Fargo ( with a date of XX/XX/XXXX - two days BEFORE I called for an update and was told it was still being investigated ) telling me my claim was DENIED with them and that they are saying that I authorized the fraudulent transactions.
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (VA)

I took out a loan with XXXX in XXXX for {$3000.00}, I have paid {$1600.00} in payments since and they say my balance is {$2400.00}. They say I am delinquent and they are going to take legal action against me if I dont pay in XXXX days. I got a statement in the mail from XXXX that is dated XXXX/XXXX/XXXX and it says I owe {$130.00} on XXXX/XXXX/XXXX. When I told the XXXX person on the phone about this they said they just send those out they dont really know if you have paid or not. I just paid {$220.00} on XXXX/XXXX/XXXX. They never give you your balance unless you ask for it and when you say why can you see your statements online or your balance they say it is under construction. Is this loan legal in Virginia? If it is why?
Consumer complaint received 2017-07-29
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. (KY)

I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.
Consumer complaint received 2020-04-13
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. (FL)

XXXX XXXX XXXX  is inaccurately reporting an outstanding XXXX debt in the amount of {$250.00} with a delinquency age of 3 years, 8 months. The actual Date of Delinquency should be approximately XX/XX/XXXX, which is when I canceled my service. 

I received a recent notification, called on XX/XX/XXXX and received the attached copy of a XXXX statement dated XX/XX/XXXX. 

I request that the account be removed from all of my credit bureau reports due to the negative impact that this has had on my credit, and because the actual Date of Delinquency does not appear to be known.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Placed order on XX/XX/2020 on Macys.com under order number XXXX, it is a qualifying purchase for the 12 months interest free financing as it is a jewelry watch purchase. I fully understand that the total purchase has to be paid within the 12 month period to avoid retroactive finance charges. Please place this purchase under this category back to the original purchase date.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (GA)

Hi Square : On XX/XX/XXXX, Square deactivated my account and informed me that my funds would be on hold for XXXX  days. After multiple emails, failed phone calls, and reaching out on several platforms, I decided to file a complaint against Square. Eventually, I received a notification that funds from my Square checking account were being transferred to me. I called asking when the XXXX in my savings account would be released and no one from

Square was able to provide any information and my bank confirmed that the transaction was never initiated. Furthermore, neither of the Square reps were able to find the transaction and even requested that I provided a screenshot showing that I was emailed about the transfer being on the way. The last representative stated that the transaction did not go through because the bank account could not be verified. However, Square made a deposit into the very same account on XX/XX/20 after deactivating my account. So it's lost on me how there is suddenly an issue with verifying the account.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

1 ) By correspondence dated XX/XX/2019, I received notice that a Home Depot Credit Card issued by Citibank was approved ; however, I never applied for any such account and notified the creditor of same. 
2 ) Notwithstanding the above, on or about XX/XX/2019, I received an Account Statement listing charges in the amount of {$1500.00} for " flooring '' merchandise bought at a Home Depot store in XXXX XXXX, NJ on XX/XX/2019. I did not purchase the merchandise. 
3 ) On XX/XX/2019, I contacted the creditor and initiated a fraud investigation. The account was closed. 
4 ) By correspondence dated XX/XX/2019, I received notice that an investigation had commenced by the creditor and I was not responsible for any charges during the course of the investigation. 
5 ) By correspondence dated XX/XX/2019, I received notice that the investigation was complete and it was determined that I am responsible for the charges in question and that the charges have been re-billed. 
6 ) I never purchased the merchandise and was not involved in the creditor 's investigation. The merchandise was bought as a result of fraud and I am not responsible for any of the charges. I hereby reserve all of my rights and remedies. 
7 ) All documents referenced above are attached.
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (MI)

YESTERDAY I SUBMITTED A REPORT WITH YOU GUYS REGARDING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT AND I HAVE YET TO HEAR BACK FROM ANY OF THE BUREAUS REGARDING THESE CIRCUMSTANCES.ALL OF THE DOCUMENTATION WAS SENT TO THEM. BELOW IS ANOTHER ACCOUNT THAT I FORGOT TO INCLUDE IN MY LAST REPORT. 

XXXX XXXX XXXX opened XX/XX/2020 {$620.00}
Consumer complaint received 2015-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (MS)

My ex partner XXXX XXXX XXXX used my social security number and made several purchases and inquiries on my credit. I have followed up with the creditors and nothing has happened to date. This is still on my credit reports and is affecting it negatively. There are several more collections and accounts that also do not belong to me that he made. I am currently disputing them also.
Consumer complaint received 2023-01-11
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. (CA)

i just got my social security number on XX/XX/XXXX and i put it in XXXX XXXX  and all the info that shows up is from someone else. She's been using the social for XXXX years. I can't open a checking account because the background is someone else 's information.
Consumer complaint received 2020-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a purchase on XXXX. I never received the item from the seller. I contacted him several times, he refused to reship or refund, he refused to make a claim with his shipper.
Consumer complaint received 2020-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

There is something showing on my credit file and I truly don't know what it's for. I am a XXXX and believe it may be something mixed up with my father. I wasn't in the hospital or needed medical treatment in 2018 so not sure what this is. I disputed with the bureaus and they just say verified. WHAT IS THIS?
Consumer complaint received 2020-04-13
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)

I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. XXXX XXXX XXXX does not even seem to be a real company because I can not get in touch with a real person to get to the bottom of this.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank has charged me a total of {$6600.00} over course of last XXXX and a half year over my XXXX business checking account namely XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX  - {$4300.00} - Account # XXXX XXXX XXXX - {$2200.00} - Account # XXXX This charges were not in accordance with any rules of bank. They just kept charging a fixed amount every month for XXXX and a half year. This started during the XXXX time.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MI)

The Stimulus check arrived today into my American Express serve card and many people myself included can not access any funds in the bank, their online website and mobile app is fully down, and their phones are disabled. Additionally I got this card when I filed taxes this year and have yet to receive an actual card, I have been having to use the temp card number they give online with XXXX XXXX, they supposedly sent a replacement card 2-3x but I never get the card, verified with my postal office that the issue is not on their end. Without that card their is no option for me to transfer or withdraw my funds ever.
Consumer complaint received 2019-03-06
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: EQUIFAX, INC. (IL)

In XX/XX/XXXX someone stole my identity and got XXXX   cable in my name and XXXX cable ran hard inquiry 's on my Equifax credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now XXXX has removed the bad account off my report but XXXX said that Equifax has to remove the hard inquiry 's themselves as well as the bad address that was used XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax is refusing to do so claiming they can't find my file but Equifax just updated my file on XXXX  XXXX XXXX on XX/XX/XXXX Also XXXX XXXX XXXX  inquiry on XX/XX/XXXX is not mine.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (IN)

For 4 years we have been sent to collection agencies for a bogus debt. This is either for XXXX or XXXX. I believe it is both, I had no contract with A XXXX XXXX XXXX at the time of dissolution and returned all equipment to XXXX when we moved in 2013. I have called, written letters to no avail. I owe neither of these debts.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.
Consumer complaint received 2022-01-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Upstart Holdings, Inc. (VA)

I signed for a loan with upstart loan and never received the {$10000.00}. Now I have a pending monthly payment of {$280.00} is due next month. I reached out to the company no answer or contact.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (NJ)

I made my usual payment for my mortgage of {$2300.00} on XX/XX/XXXX to CMC Funding and I was not told that it went to " unapplied funds '' because the escrow amount changed. Since then I have called twice and was reassured that this was resolved and not to worry - that I am to pay the shortage amount of {$96.00} which I did on XX/XX/XXXX and there will be no issues. Today, I get another late notice indicating that the account is overdue. I can't get through their automated phone system because it hangs up on me in the middle of the call and its virtually impossible to contact a live representative. This is beyond frustrating as I don't want my credit to be affected for an error made by the servicer. Their website also is not user friendly and does not send out emails when you make transactions.
Consumer complaint received 2019-08-13
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: Westlake Services, LLC (UT)

ACTS : On XX/XX/2019 I approached the XXXX XXXX dealership located in the State of Utah with the intention of quoting the purchase of a vehicle, when checking my credit I find that the history records a negative report for a debt with Westlake Financial Services associated to account number XXXX, this information does not belong to me considering that I do not have or have had any commercial relationship with this financial entity. 

TAKEN ACTIONS : 1. On XX/XX/2019 I sent email to XXXX, XXXX, XXXX emails which appear as a contact with Westlake Financial Services, exposing my situation and requesting a solution Of which I did not receive an answer, I again sent another email to the same recipients requesting attention to my requirement on XX/XX/2019 but to date I still do not receive any response or solution. 

2. On XX/XX/2019 I contacted the Westlake Financial Services customer service line ( XXXX ) where I filed my complaint, they reviewed the customer database and informed me that my insurance number Social or my date of birth are not linked to an existing account, but they gave me no solution. 

3. Settle a dispute before XXXX, who answered me on XX/XX/2019 according to report number XXXX, where they report " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. " 4. On XX/XX/2019 I repeatedly contacted the Westlake Financial Services customer service line (  XXXX ) where after so much insistence they provided me with another contact number ( XXXX ) where they could give me a solution, after commenting my case to several officials, they informed me that I should send a fax to the number XXXX and an email with the credit report showing the negative report of Westlake Financial Services at addresses XXXX and XXXX, after sending them they informed me that I should contact them later on XX/XX/2019 to confirm that they had received the fax and email. 

5. On XX/XX/2019 I contacted the number XXXX where I should confirm that they had received the Fax and email, but after 2 calls of more than 10 minutes each I did not receive any information and they cut me off the call. 

On my part I have tried to solve directly with Westakle Financial Services but I have not received the necessary attention and I also tried to solve it with XXXX but on the contrary they confirmed the negative report even though the debt is associated with a different social security and date of birth to mine. 

I am currently suffering damages due to an erroneous report on my credit, without receiving the necessary attention and a timely solution.
Consumer complaint received 2017-09-18
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: ALLY FINANCIAL INC. (FL)

I contacted Ally Financial on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a hard Inquiry on my XXXX credit file with out my authorization, I did not get any help from them.
Consumer complaint received 2022-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

Fed Loan Servicing has continuously under counted my qualifying PSLF payments. I have 103 payments, but Fed Loan has miscounted my qualifying payments as 68. They have failed to update my payments despite supporting paperwork and evidence submitted by me. I ask that they and the Department of Education please update the payments by the end of XXXX.