davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (AL)

I have an American express bluebird prepaid card and I have held the main account, as well as up to XXXX sub-accounts and I have never had an issue go unresolved like this one. My subaccount had XXXX charges come up that were fraudulent. I called and the representative helped me start a dispute and a few weeks later I received an email letting me know the dispute was denied and had generic list of the reasons for the denial and it said for me to get the exact reason, then it must be done in writing, which I did. Sadly, I never received a response. So I called and the representative said they had never received my request and to file the dispute again, and a few weeks later, i I received the email stating my denial again. I wrote in again requesting the exact reason and I didn't hear back. This went on ateast XXXX or 4 times and I kept getting denied.These were legit fraudulent charges but American express would immediately shut me down. Finally, I received a letter stating that through their investigation, they have concluded that I made the charges. I wrote back requesting any evidence they had found because I knew if they pulled the security footage, I wouldn't be the XXXX swiping the card because for XXXX I live in Warrior, AL and XXXX of the charges were made in Georgia. They told me that they didn't have to show me the evidence but they weren't giving me my money back. I wrote the XXXX XXXX XXXX and had some correspondence with American express but again at the conclusion of the XXXX  filing, they again refused to give me the money back. I don't know what else to do. It's not something I would make up nor have I had this happen but once to the main card account and they credited me immediately. I'm going to attempt to get a resolution with this email and if not, then I will seek legal representation. 
XX/XX/2021 XXXX ATM XX/XX/2021 XXXX ATM XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These charges are fraudulent and I need my money back. I am a single mom of XXXX girls and I work hard for my money. My contact info is XXXX or XXXX. The card number that is in question is not the main account but unfortunately, I was so mad about this denial that I through quit using all of the cards. I do know the card number for the subaccount it's XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (GA)

I have been trying to pay off my credit debt with them this entire month but have been constantly having the problem saying that they can not connect to my bank, and the only way to fix that is by contacting them. I contacted them twice by email, one on the day of XX/XX/2021 and got no response to that but an automated message that said they will contact me. Another time on XX/XX/2021 and said they are currently out of office and will contact me back when they are in office, and still no response as of XX/XX/2021 which was the day my payment was due. On XX/XX/2021 I attempted to call them and was on hold for over 6 minutes and was told that there was no available representatives. I then proceeded to contact them over text message as that was an option and was told I will get a response within two days and still got nothing. I am afraid of getting a negative impact because of missing a payment when I have been attempting to
Consumer complaint received 2017-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (DC)

Granite State Management & Resources ( GSM & R ) is the loan service provider to whom I will be making payments for the next 6 years. I believe the company has a practice of purposefully delaying the initiation of loan payments in order to collect more interest on the debt they own. 

In XX/XX/XXXX I completed the required financial aid exit counseling on https : //studentaid.ed.gov/sa/,  and I selected an income-driven repayment plan. I chose this option because, based on the studentaid.ed.gov training, this plan would result in the lowest interest payment over the life of the loan ( saving me approximately {$20000.00} ). I selected the REPAYE plan, and I stated that my income would be {$85000.00} beginning in XX/XX/XXXX. I started working two weeks after graduating, and I was expecting to begin making payments immediately. On XX/XX/XXXX, I received a letter from GSM & R, stating that my loans were in the 6-month grace period, and that GSM & R had placed my income-driven repayment plan request on hold. 

I did n't question this delay, but I should have. On XX/XX/XXXX, I received a letter stating exactly the following, " As you requested, we applied or updated an income-driven repayment plan for your qualifying student loans. Your qualifying federal student loans are on an income driven repayment plan. Your monthly payment amount for qualifying loans will be {$0.00} for 12 months, beginning XX/XX/XXXX. The letter literally said, XX/XX/XXXX. 

When, I called GSM & R and asked to begin making payments immediately, I was told that I would have to submit a request the REPAYE plan again via https : //studentaid.ed.gov/sa/. I did this. Today, XX/XX/XXXX, I spoke with a GSM & R representative who confirmed that they had received my application for the REPAYE plan. They told me that it would be processed in 30 days. 

Based on this experience, I feel that GSM & R is trying to maximize the amount of interest in collects from graduates by nudging them into a position where they delay the initiation of loan repayment for as long as possible.
Consumer complaint received 2022-04-07
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. (OH)

I have an account on my Equifax report that is with XXXX XXXX. The account is listed as follows : Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner JOINT Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name XXXX is reported as " closed '', but it still reporting a monthly balance, etc. This is inaccurate. The account is also opened as a result of fraud. The account was opened while I was away XXXX XXXX There was no way I could have opened the account. I was XXXX XXXX for the period the account was first opened. Please check the attached documents and remove the account from my report.
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian is a scam. Trying to unfreeze and they keep asking for different items, I have my password, then it says log in, then it says password error, then it says call, no answer and repeat, then they try to sell you credit monitoring. 
additionally, there is ZERO reason my score is low with them compared to the other bureau 's its almost as if they have a side arrangement to keep the score lower so that banks / finance companies can charge a higher interest. And you can't reach anyone, and repeat.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have sent Equifax several letters but I can not get them to fix their errors. Ive sent dispute letters about account errors and about my personal information they are incorrectly reporting but hey just keep verifying them. Im not really sure how they are verifying any of this information because Equifax is not even reporting my correct birth year. Equifax is reporting my birth year as XXXX but my year of birth is XXXX. I have tried numerous times to have them correct that information but they just keep verifying their information is correct? I only have one year of birth and I am pretty sure of what it is, in fact I have legal documents showing my year of birth, and I have also provided those legal documents to Equifax, multiple times. I have also reported a misspelled name Equifax has on my report as well as they are reporting numerous addresses that do not belong to me, but they continue to fail to remove those addresses. These addresses do not belong to me, are not correct and are not deliverable to me, therefor these addresses are not reportable as per the FCRA and need to be deleted. They are putting my information at risk, especially during a national pandemic when fraud had increased significantly. I am also confused how Equifax has verified the disputes I have sent when they can not even verify my correct personal information, as basic as my year of birth? Both XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Account # XXXX have been reaged to appear as newer accounts, as recent as XXXX and XXXX of XXXX when these accounts are TWO and THREE years old, respectively. Both accounts are also reporting past due balances ( when a collection account is, by default, past due ) and reporting the past due balances are in violation. ( See Attachments ) I am really confused why Equifax is reporting these accounts in such error as if they are intentionally trying to damage my credit even more and preventing me from even getting credit by failing to report MY correct information? I feel my only option is to retain a lawyer, it seems reporting my basic information should be extremely simple, especially after I have provided them with the correct information.
Consumer complaint received 2022-04-07
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citi bank had sent me a notice via email on XX/XX/XXXX stating in 10 business days they would refund the unauthorized transactions. As of today when. I spoke to their fraud dept they told me they could no longer tell me when I woukd get the refund and they apologized for not honoring the XX/XX/XXXX notice but could not tell me any time references when this would happen. This has been ongoing issue since. XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OK)

Paypal has targeted me as a XXXX and has engaged in a campaign of denying me access to my Paypal Wallet and the money that I have stored there.

Paypal first refuses to remove an old number so that now I can't complete id verification by Mobile Smartphone.

Paypal has now locked my account. They demand a document, but won't specify what document is required ( the email explaining what they want was not ever recieved at primary email address on record with Paypal. ) Paypal has purposly denied me access to my money and have omitted key required email necessary to complete id confirmation in a deliberate attempt of seperating me from my account for political reasons. 

XXXX XXXX XXXX ( former cell now disconnected. ) Please help. 

Sincerly, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I feel that Equifax is not scoring my credit fairly. My credit score is XXXX when it should be much higher than this. The reasons they are giving me for things that are hurting my credit are cancelled out by the things they are saying that is helping my credit. Also I have low to no balances on my credit cards but it isnt raising my score one bit. But if I use {$1.00} on my credit card, I get ding severely. Also I paid down half of one of my installments from {$1600.00} to $ {$720.00} and my scored dropped 54 points. Why did my score have to drop so much for paying down my debt? This is unfair. I feel like I am being discriminated against.
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX  XXXX XXXX XXXX is not & hasn't been our loan holder for years. They are sending us TIME SENSITIVE, FINAL ATTEMPT, IMMEDIATE RESPONSE letters on pink paper claiming our home owners insurance has expired. WE know its XXXX & a scam but my wife cares for the elderly and they get frightened by these scams! The NOTICEs are very predatory in nature. Their intention is to scare people into calling. We haven't called XXXX  & honestly, it shouldn't be us calling some hourly employee. This needs a throat punch to the CEOS. Sincerely, The XXXX XXXX
Consumer complaint received 2023-02-23
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX P : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-07
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: CITIBANK, N.A. (CA)

they have called and left messages with myself and my sister and have my social security number. I spoke with them today XX/XX/2021 and they are saying I owe money on a Best Buy account. I didn't have an account on the dates they said it was opened and closed. They said if I do not pay they are going to file paperwork to take me to court and I better have the full amount because I will loose the judgement. I have been hung up on every time they don't like one of my answers. I am scared that they have personal information and worry they will be making up a false lawsuit. the company they say they are calling from is XXXX XXXX XXXX and the number is XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Today I was. Overdrawn XXXX dollars someone used my. Debit account number. And they charged me draft fees and tried to send me a new wells Fargo card to same address where my account number was used and don't want to give me a temporary card. I have to cash out at bank and makeshift weapons outside bank in XXXX XXXX XXXX way and XXXX XXXX XXXX XXXXto many issues at same time. And the bank workers hovering around me all day.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (NY)

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report. 
SHELLPOINT MORTGAGE ( XXXX )
Consumer complaint received 2021-07-15
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. (NJ)

Experian said " they need authorization to proceed with my compliant ''. So I XXXX XXXX give permission to Experian and authorization to Experian to continue with my complaint of identity theft.
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC (WA)

I was a customer of XXXX  in XX/XX/XXXX, which I finished services and returned the modem to XXXX in XXXX, Kansas. XXXX claims that I did not return the modem, charged me XXXX, then sent my account to collections with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. When I had called to dispute this issue, they stated that they needed a receipt, which XXXX was unwilling to give me since they return the item in batches. Thus, I want to dispute this claim as I have turned in the modem ; it has also damaged my credit.
Consumer complaint received 2021-05-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Company calls between 4-5 times every day and hangs up once they get my voice mail. Today alone I've had to block 3 different numbers showing as " PortfolioRecov. '' Every call comes from a different phone number from every state in the US. Many times it shows as a local number and alternates between landlines and wireless. Recent numbers include ( XXXX ) XXXX, XXXX XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have reported each and every one to Call Filter through my provider XXXX XXXX but nothing changes. 

I have repeatedly responded via text and email to delete me from their call list since I have no outstanding debts and haven't for more than a decade. I have received no confirmation from the company and the calls every time I report them. 

I spend about 20 minutes a day reporting each number and then blocking to no avail. I am considering legal action against this company for harassment.