davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

We have a Barclaycard Ring Mastercard with Barclays. To date we have owed three payments, two made electronically through our bank, XXXX  XXXX XXXX, and one by phone. Both electronic payments were made on time, but both times Barclays claims not to have received the payment and charged us late fees. In the first instance, Barclays finally acknowledged the payment and reversed the fee. In the second, there has not yet been any resolution. We have contacted both Barclays and XXXX XXXX XXXX. 

Note Barclays for some reason does not accept electronic payments from other banks : the sending bank converts the payment to a check, meant to be received by the scheduled day. In both these instances XXXX XXXX XXXX sent the payment, to be received on time, and deducted money from our account on the schedule day ; in both instances Barclays 1 ) cashed the check five days later ( according to XXXX XXXX XXXX ) ; 2 ) did not acknowledge cashing the check even a week afterwards. 

Either Barclays back office systems are horrifically bad, or, more likely, this is a systemic practice to generate late fees and trigger higher interest rates based on penalty clauses.
Consumer complaint received 2019-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have no knowledge & gave no authorization to an auto loan with Capital One auto finance. This account was opened thru Identity Theft, according to my credit report the account was opened in XXXX of 2015. It now shows up as a charge off on my credit report. I have reached out to the Capital One on several occasions. I also have Police Reports, stating that I have been a victim of identity theft fraud
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I tried to charge my chase credit card at XXXX on XX/XX/XXXX for hotel stay but it got denied because Chase thought it was fraud. So, I paid the vendor in cash as per his request and was granted admittance into the hotel. 

Later on, I got a text from Chase that stated : " Chase XXXX We declined {$450.00} at XXXX XXXX XXXX XXXX for card ending XXXX on XX/XX/01. was it you? If YES text 1, NO text 2 '' I only responded to that initial text the next day or XXXX hours after I checked into the hotel. I responded 1 because I wanted to use my card while in XXXX. 

I then received the following text : " Chase Thanks. The Transaction was not completed. If you want to make the purchase with this card, have the merchant reprocess the transaction '' ( see attached screenshot ) I never had the merchant reprocess the transaction, I never gave the merchant my credit card after it was declined, I never authorized the merchant to charge my card again. Because the text said that the " transaction was not completed '' I didn't think I needed to call my credit card company while I was in XXXX nor worry about the transaction. 

When I arrive home and check my credit card account I see that I was charged on XX/XX/XXXX {$430.00} from XXXX XXXX XXXX XXXX. I immediately contact Chase and filed it as fraud on approximately on XX/XX/XXXX. 

Several weeks later I'm told that this is not a fraud case and it was transferred to the Chase dispute department. I never received a receipt for my cash payment nor did I think I needed to keep any documentation because I never reauthorized the merchant to charge my card. I lost the dispute with Chase. 

In addition, I am in XXXX XXXX and Im sure this happens to people all the time where their credit card is initially denied. I tried reaching out to the hotel via phone and email and they never responded back to me. 

This is not a case of a duplicate charge this is a fraudulent act by this hotel to get an additional {$430.00}.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

I submitted a dispute to Equifax regarding an re-insertion of an account that was previously removed. I submitted a new dispute and Equifax male representative name XXXX stated my FTC report was not valid but could not explain why. I then contact FTC and notified them of what Equifax stated and was informed that was not true information. 

The representative submitted a new FTC report for me over the phone.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NJ)

Vehicle was in a motor vehicle crash on XXXX, it was deemed a total loss on XX/XX/XXXX. XXXX reached out to Ally for a guarantee payoff amount. On XX/XX/XXXX, I was on the phone with Ally Financial Services and XXXX to obtain the payoff amount. Ally said on a recorded line that they were having technical difficulties and it would be there in 5 business days. On XXXX I called XXXX and Ally Financial Services failed to submit the payoff amount. On XXXX, I called Ally Financial Services and was told that it was faxed at XXXX XXXX on XX/XX/XXXX to XXXX though XXXX did not have it. On XXXX XXXX called Ally Financial Services while I was on the line and they transferred us to Total Loss which then hung up and said it was the end of the day. On XX/XX/XXXX XXXX called Ally Financial Services again while I was on the line and said it was not faxed on XX/XX/XXXX and would need to be done again. The Ally Financial Services rep said it should be there by XX/XX/XXXX and said shes sorry for the inconvenience. At this point, I am paying out of pocket for a rental because Ally Financial Services failed to complete their end of this. XXXX has also asked Ally Financial Services for a verbal payoff amount and Ally refused to provide this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I asked to speak to a supervisor and was denied. I called Ally myself on XX/XX/XXXX and was again denied to speak to a supervisor. Ally has far exceeded the promised date of 5 business days to complete this task.
Consumer complaint received 2021-11-09
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. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 the inquiry that is still reporting on my credit report and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CREDIT PLUS Inquiry DateXX/XX/2021;
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IL)

On XXXX/XXXX/XXXX I received letter dated XXXX/XXXX/XXXX from Midland Credit Management in reference to a balance owed from XXXX XXXX XXXX in the amount of $XXXX.XXXX.
Consumer complaint received 2021-01-30
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. (PA)

Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (LA)

I have been trying to work with my car loan company Global Lending Services for months. The company is reporting on my credit report that my car has been repossessed for almost a year, since summer XXXX Its now XX/XX/2021. Ive called and written the company. Ive sent my billing history from their website along with receipts. I have disputed the claims with credit bureaus with the same information including pictures of the car in my driveway. Finally I have hired XXXX to work to help with the problem. My next and last action is suing Global Lending Services, et all.
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (OH)

MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy. 

It has also not been verified through the dispute processes of the cra 's.
Consumer complaint received 2020-11-25
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: CITIBANK, N.A. (PA)

On XXXX XXXX, 2019, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  XXXX The report does not include information about the creditor.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I had filed a dispute with TransUion in regards to a fraudulent account open in my name on XX/XX/XXXXwith a company called XXXX XXXX, the debt owed is XXXX, the said account was handed over to XXXX XXXX As a result of the completion of the dispute it was denied as to clear off my report by TransUion. I have never did any business with a XXXX XXXX nor did I give anyone else authority to do so. I believe to be a victim of identity thief. I noticed several inaccuratcies and incomplete information in my credit file as to leave my beliefs void.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (AR)

ERC ONCE AGAIN WENT ON MY CREDIT REPORTS WITH OUT VALIDATION AND NOW MUST CEASE AND DESIST COLLECTIONS. XXXX HIRED MR TO HELP! 
SEE ATTACHED XXXX.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I have been a member of America First Credit Union for 25 years and was notified they will automatically be charging me {$6.00} a month for my checking account. If I would like to continue the free account I already have I am required to call and opt into a free account?!?
Consumer complaint received 2021-11-09
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax 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 is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020
Consumer complaint received 2021-11-04
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: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX Credit Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRACO INVESTMENT CORP (NV)

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX   XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt. 
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated. 
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
Consumer complaint received 2021-11-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION (OR)

I have contacted Enerbank repeatedly, on multiple forums, asking them to mail me my full account balance monthly. They repeatedly refuse this request. They only mail me my principal balance, and they state they will not mail the total balance because interest accrues daily and the balance changes. But they are completely fine with only mailing me my principal balance. The only way to get total account balance is to either call them during THEIR business or by filling out a form online, for them to contact me back at THEIR leisure. I have called them on the phone, they refuse. I have emailed them, they have refused. I have filled out the form online, they have refused. I have filed a complaint with XXXX XXXX XXXX, they have refused. I have filled out reviews on XXXX and other financial webpages, they have refused. They have shown repeatedly they will not do what their customers want, which is extremely basic. People in the XXXX, XXXX, XXXX, XXXX ... and on have received mortgages, car loans, and other loan total balances on monthly statements. Enerbank refuses this repeatedly. People have been requesting account balances or even statements online for 9 years on review sites, and Enerbank refuses, saying " soon. '' 9 years and still no resolution is " soon '' according to Enerbank.
Consumer complaint received 2018-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (FL)

XX/XX/2018 a debt collector Online Information Services reported to the credit bureaus that I am in debt to them for {$84.00}. I have never received services from this company nor do I owe the debt to them.
Consumer complaint received 2019-08-12
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. (GA)

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (KY)

I currently applied in XX/XX/XXXX for the student loan forgiveness program. At first the program was under the name " XXXX XXXX XXXX '' it was then " sold or transferred '' to XXXX XXXX XXXX. When I applied and was granted, I had to provide bank statements, documents signed by my principal, and tax information. At the time I qualified for the 10 year forgiveness program and began my payments. When information for renewal came, I renewed my information XX/XX/XXXX and continued on with payments. They were automatically withdrawn. XXXX XXXX XXXX XXXX PPD ID : XXXX ACH debit {$61.00} Payments stopped in XXXX, however I didn't notice until last month. As I have been trying to inquire as to what is going on, I have received little to n information. I was actually sent an email from a coworker regarding a " lawsuit '' against XXXX at the end of XXXX and I checked payments to realize they hadn't taken one out for the last two months. 
I do not want to have a bad credit standing with the Student Loan people and have worked hard to pay off all my additional debt besides my Student loans due to this program. I am currently in the process of building a house and do not want this to affect anything.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NCB MANAGEMENT SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NJ)

I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-11-09
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: Consumer Portfolio Services, Inc. (LA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, XXXX XXXX XXXX, is reporting late, yet it is close and the balance is {$0.00} as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor delete this complaints.
Consumer complaint received 2019-03-15
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA (FL)

Good afternoon, I'm contacting you in reference to my American Education Services, American Education Services has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by XXXX and American Education Services My credit rating score was above XXXX. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as American educational service is doing illegal collecting and reporting practices.
Consumer complaint received 2021-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The CAPITAL ONE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. I was never late.