davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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: FIRST HORIZON BANK (VA)

In XXXX I lost my job and began the divorce process. I fell behind in mortgage payments with First Horizon. In XXXX I started the process of a short sale and had a buyer. Somehow the foreclosure occurred and First Horizon transferred the loan to XXXX. In XXXX I was contacted by XXXX XXXX and was told I was responsible for $ XXXX because of the foreclosure. They offered to settle for $ XXXX over 60 months. I typically made payments on time, faced other financial hardships but ultimately paid it off. I have about 40 late payments on my credit report just because of this. Because of PMI I may not have been financially responsible for the $ XXXX but I paid anyway.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (VA)

I paid my statement balance of {$5000.00} in full via my bank bill pay. The balance was due on XXXX XX/XX/2023. My Bank, USAA Federal Savings Bank sent payment to arrive by XXXX XX/XX/2023. Marcus by Goldman Sachs, notified me that I had a late payment and therefore owed {$29.00} in late charges and {$78.00} in interest. I immediately confirmed payment was sent by my bank and called Goldman Sachs on XXXX XXXX. 

I was told by Goldman Sachs that there records indicate that I paid my statement balance in full on XXXX XXXX. I explained that I confirmed payment by my bank and asked for the late fee and interest be removed. The customer service representative removed all but {$21.00}. 

I have bill pay set up to pay the {$21.00} so not to incur any additional fees, but I am writing to complain that they are still charging me {$21.00} for a payment in full that was set up via bill pay to pay prior to the due date. I feel they are stealing {$21.00} from me and I don't have a recourse. I am asking they credit the {$21.00} for I should not owe any fees or interest for a payment paid in full. Attached is a copy of the payment from my bank.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, 2017 I submitted an online dispute with XXXX and Equifax concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. My county courthouse does not provide this information and neither does the NC Department of Revenue, but XXXX and Equifax employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. They do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both XXXX AND EQUIFAX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

My payment for my Amazon Store Card is due today, X/XX/2017. I previously had scheduled a payment to come out today, but logged into my Account this morning to update the payment amount. For some reason, Synchrony Bank has locked me out of this payment and I can not edit it. If the system says I have until XXXX to schedule a payment and for it to count for the same time, why did they process my payment before that time and not allowing me to edit it? This is against my cardholder agreement as I should be able to edit payments up until that time. Customer Service Reps are of no help and I was left on hold for over 20 minutes waiting for a Supervisor. Poor Customer Service all around!
Consumer complaint received 2023-04-17
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. (CA)

on XX/XX/XXXX. I disupted multiple inaccuracies with Equifax To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at XXXX This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, 30 60/90 late. 4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - XXXX account and late payments are in accurate 6. XXXX/ XXXX XXXX 1- 30 day late payment Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. All of the above need to be deleted and show positive. Please have equifax validate and show proof by providing documentation here.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX IND XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-09-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: eMoneyUSA Holdings, LLC (TX)

On XX/XX/XXXX, I emailed e-money a copy of the cancellation letter asking them to cancel the {$400.00} loan they told me the letter was received and would cancel the loan of {$1200.00} and that I would only be responsible for {$400.00}. I emailed them again and said I would pay the money at a later date. I received an email from e-money today threating to call my job, my cell, and references that were used on the application. I can't accept calls from bill collectors on my job nor do my contacts wish to be bothered about a loan they DO NOT owe. E-Money needs to not contact me on my cell, at work, nor contact the references because they will take legal action against the company. 

I will have attached the cancellation letter I sent the company.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

On XXXX XXXX,2017 for Macy 's Executive Office XXXX XXXX send a letter to Consumer Financial Protection Agency on any collection that was paid and still Macy 's reporting a charge or collection on my credit reports.Why did n't XXXX XXXX send me a copy of the letter so I can have for my file? Collection company stated that they did n't have no records of account of Macy 's on their date, but on my credit report with XXXX, XXXX and XXXX is still on display.Macy 's Executive XXXX XXXX contact XXXX Ext.XXXX
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (CA)

I am trying to sell my non operation vehicle. I owe around 7-8 thousand on the vehicle. The vehicle does not work and would cost to much to repair. The parking spot where the vehicle is being stored no longer is available. My only option is for me to sell the vehicle. The bank is demanding i pay the loan in full to sell the vehicle. Financially for me that is not possible. 
They have refused to refinance my vehicle in the past, and are being uncooperative. 

i was asking them to allow me to sell the vehicle and continue to make payments or for them to come and get the vehicle and witch i would still make payments. 

i would like you to look into the loan to see its legality. 

They have been using racially insensitive language towards me.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/XXXX XXXX Prior to XXXX, they were serviced by Fed Student Loan Servicing with balances of XXXX, XXXX, XXXX, and XXXX. 
These are now consolidated and being serviced by XXXX with a balance of XXXX. 
Fed Loan Servicing no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. 
XXXX states in a previous dispute that Fed Loan Servicing states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by XXXX it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for XXXX XXXX XXXX.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (FL)

I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.
Consumer complaint received 2017-07-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

I overdrafted my account and i was charged {$410.00} once i received my check deposit. My check was {$1300.00} so PNC took roughly 1/3 of what i was paid. I admit that i overdrafted and understand a fee being charged but not any amount that exorbitant. I called PNC on X/XX/17 and a male told me I had valid points and my money would likely be refunded. He escalated my call and XXXX called me X/XX/17. She told me there was nothing they could do. She said it was unfortunate that i did not know i could opt in or out of overdraft protection. I was opted in without my knowledge. That meant that PNC charged {$36.00} per transaction per day. This was never explained to me. Otherwise, I would have never agreed. I would like to only be charged what overdraft fees i owe and would like any additional money PNC took from my account to be refunded. My account is now closed and I am now banking with XXXX XXXX.
Consumer complaint received 2017-07-20
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. (LA)

XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XX/XX/XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXX- to present. During the months where they report current in XX/XX/XXXX, there was no  communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr XXXX XXXX period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. 
I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
Consumer complaint received 2017-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MO)

Our house was hit by a flood back in XXXX 2017, and we are located in the 100-year flood plain. The City of XXXX Code Enforcement ruled that our property was over 57 % damaged and could no longer be rebuilt. Because the City of XXXX ruled that no construction could take place at the property, we are unable to obtain any permits to legally build at the property or renovate. Our flood insurance kicked-in and wrote a check for {$100000.00} to Chase Bank for the damages. The principal amount that we still owe on the house is {$120000.00}. Chase received this check on Thursday, XXXX XXXX. We then requested that Chase apply this check towards the principal amount on the property, and that we would continue making payments until the balance was paid off. By applying this amount towards the principal, it would lower our payments and allow us to purchase another home we could live in, or possibly rent. On Thursday, XXXX XXXX, we were told that the payment towards principal had been approved. Today, on XXXX XXXX, we called into Chase to obtain the status of the payment, and we were met with very rude representatives who refused to help. They refused to apply the payment towards the mortgage and refused to provide us with any any explanation or direction on how we could use the money. My Mom, who had been dealing with the situation before I got home from work, was crying on the phone while the employees laughed. ( I heard this because she was on speakerphone at the time ) Collectively, we were transferred around to more than 11 employees over the more than 9 hours we spent on the phone with them this afternoon. As of today, XXXX XXXX, Chase is effectively withholding over {$100000.00} that could be applied to our principal to help us pay off the mortgage in a non-interest bearing account.
Consumer complaint received 2017-07-20
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. (AL)

On XX/XX/XXXX I sent XXXX XXXX and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX- XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Consumer complaint received 2017-07-20
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: WELLS FARGO & COMPANY (TX)

I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also wells Fargo and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.