davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
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: Westlake Services, LLC (NJ)

The XXXX XXXX XXXX was paid in full. I provided that information to XXXX, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to XXXX, XXXX, and XXXX. To date the Westlake Financial account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off Westlake Financial. Can someone help me fix this issue.
Consumer complaint received 2020-06-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Bank transfer loan with required financial arrears to help with modification. 
Received modification after 3 years. 
The modification went from 30 to 40 years. 
XXXX XXXX modification required {$65000.00} non-interest forbearance. 
Our account is listed with a debt collector. 
Since XXXX, all payments are made on-time and monthly amount. 
These payments are not reflected in our credit score. 
This loan was included in our Chapter XXXX filing ( XXXX ).
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC (PA)

On XX/XX/2018 the collection agency allied interstate LLC showed up on my credit report with any previous notifications or phone calls for the amount of XXXX dollars. I then try to call this company to get this verified or to why are they on my credit report i adk for verification of debt i was told that i had to go to original cretitor to verify the debt with will be XXXX XXXX. The problem here is allied interstate llc shows up on my report they cant verify the debt but not only that i have to verify with original creditor plus i was never notified on this debt. Allied interstate LLC should have some kind of debt ferification and contract as well they are reporting unverified information on my credit report. I do not have any documents because allied interstate llc does not have my adress and im unsure if I should tell them my adress as they may later try to use it to verify information
Consumer complaint received 2018-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (TX)

This loan was originated from XXXX XXXX College in XX/XX/XXXX. The school was shut down by the Board of Education on XX/XX/XXXX. With no notice, heads up. Just Abruptly shut down. All other loans were discharged. Why not this one. 

Total : XXXX as of XX/XX/XXXX @ XXXX
Consumer complaint received 2018-07-17
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. (CA)

credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my life
Consumer complaint received 2020-09-10
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. (AL)

THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Creditor is reporting inaccurate and fraudulent information on my XXXX  credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX  promptly.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (WA)

I was recently informed by the Nebraska child support office that I was issued a relicard and that over XXXX XXXX dollars was deposited to the card. I have attempted serveral times to contact US bank without resolve. They recently sent me a card not in my name also sent me 7 years of blank statements. I have been an victim of fraud by US Bank including recent identity theft for the second time with a new identity afforded me for my protection. US bank will not allow me copies of bank statements fraudulently opened in my name but where my funds where deposited and will not accept a report of never recieving a card
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNEBANK (DC)

Hi, On XX/XX/XXXX, I made my normal monthly mortgage payment to TowneBank, on XX/XX/XXXX, I made a principal payment of {$5300.00}, on XX/XX/XXXX, Townebank transferred my loan to a new servicer without the {$5300.00} and kept it for themselves. After many phone calls, they finally sent the {$5300.00} to the new servicer on XX/XX/XXXX. Townebank refused to make the interest adjustment for the delay in applying the payment. They also refused to give me a written explanation about why they refused to make the interest adjustment.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.
Consumer complaint received 2018-07-17
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage is reporting a late payment on my credit reports. I have never paid late. When I ask Wells Fargo to let me know what month I have paid them late, so I can investigate this, they have no record. 

I called in on XX/XX/XXXX and spoke with a representative who said, I had to provide this information to them. I told the Gentleman I had no history of paying my account late, please let me know what month you are stating I paid late. 

The Gentleman could not tell me the dates from what they were reporting. I don't know how to correct this issue when I have tried, however Wells Fargo will not remove the payment history on Wells Fargo Home Mortgage account # XXXX that is reporting over 120 days past due. 

I have attached a copy of a notice from Wells Fargo Home Mortgage and a copy of my current credit report, which shows how this account is reporting the Over 120 days past due, but does not list the dates of this late.
Consumer complaint received 2020-08-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-09
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. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DPT ED/XXXX XXXX {$27000.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX {$500.00}
Consumer complaint received 2020-09-10
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: JPMORGAN CHASE & CO. (HI)

In XX/XX/2020, I noticed a charge for {$190.00} from XXXX on my Chase Sapphire Reserve credit card, which is a transaction I did not conduct. I called Chase to dispute the charge and they began their investigation. 

On XX/XX/2020, I received the attached letter from Chase indicating that the summary of their investigation was that this was a legitimate charge by me. As part of the letter, they provided an XXXX receipt as proof of purchase. This receipt has numerous and obvious errors : 1 ) The receipt indicates a Visa card was charged but it is NOT my credit card number. The XXXX receipt clearly shows the last 4-digits of the card charged and it does not match the last 4-digits of my credit card ( listed on page XXXX of the attached letter ). 

2 ) The XXXX receipt is dated XX/XX/2020. The transaction post date on my card is XX/XX/2020. Why would it take over 4 months for a charge to post to my account? 

3 ) The XXXX receipt indicates the ride was taken from XXXX XXXX, California to XXXX XXXX, California. I live in XXXX. In XXXX we were under quarantine due to COVID-19 with strict travel restrictions. I was nowhere near the state of California during this period. 

4 ) I sent a screenshot of my XXXX ride history to Chase showing no rides in the months of XXXX through XXXX I called Chase customer service on XX/XX/2020 and explained all of this. They indicated they could not assist me via phone and to send a secure message via the Chase website to re-dispute the charge. I did so that same day. 

On XX/XX/2020 I received a message from Chase they were researching. 

On XX/XX/2020 I sent a follow-up email to Chase asking for an update on status. 

On XX/XX/2020 I received another email stating they were researching. 

To date, I have received no further responses from Chase, no request for additional information, and no removal of the erroneous charge.
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX is reporting on my credit report for XXXX XXXX ( a payday loan company ). In the state of Arizona pay day loans are illegal. I 've contacted XXXX and ask for the original indebtedness of said account to no response. This is against the law for this company to continue to report false information according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Put simply, it never works. whenever I am dire need of access to my funds, PayPal randomly stops working and no customer service agent is able to ever fix it in a timely fashion. This has been going on for years and its included one occasion when XXXX XXXX XXXX XXXX XXXX XXXX and PayPal EVEN WHEN MY LIFE WAS AT STAKE was not able to fix their own XXXX product. 

Furthermore, I am banned for life from Venmo FOR NO REASON, but i am apparently able to use PayPal still? PayPal owns Venmo.. 

Whats really going on there is that PayPal makes money off of the Exchange of cryptocurrency. I used to do this independently, including with Venmo. PayPal weaponizes their terms of service and subsidiaries against independent Bitcoin traders to enforce a monopoly on trading crypto with PayPal and Venmo, which makes this also an anti-trust concern.
Consumer complaint received 2020-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This complaint is just to notify you the credit bureaus aren't doing their job. I sent out disputes to all three credit bureaus on XX/XX/20 and I have yet to receive a response from any credit bureau. I'm not the only one either. I've spoken to another friend of mine who was also disputing accounts back in XXXX and she says she has not received anything either. We both looked up how long the disputes were supposed to last and everything I read says its only thirty days. Even XXXX  's own website says " In most cases, disputes are completed within 10-14 business days and quite often within two to three days. The length of time depends on the type of dispute and how quickly the lender or other data furnisher responds. 
While usually completed much faster, the Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. '' We are on XX/XX/XXXX and its been TWICE that amount of time and even longer for my friend. What do we need to do to get our disputes processed and completed?
Consumer complaint received 2019-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (NY)

Hi I have 2 existing loans and tax information on the conduent loan service website and I can't access my loan information. When I called on XX/XX/19 I was unable to get a representative to speak to me to find out more information. My existing login information for conduenteducation.com was working as of XXXX and now it continues to say that they no longer service my account. However I received no notification of this or new lender info. My username and password simply do not work. I am now a month behind on payments and am trying to resolve this issue with conduenteducation.com.
Consumer complaint received 2020-09-09
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. (NJ)

I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.
Consumer complaint received 2020-12-01
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: Upgrade, Inc. (TX)

Charge was made on XX/XX/20 {$500.00} and refunded by the merchant on XX/XX/20. The credit card provider UPGRADE has not provided me with the refund.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (TN)

I am attempting to add an authorized user to my account through the company 's online portal. After filling out the proper form and answering my security questions correctly, I receive an error message that my process can not be completed and to contact the company. I have attempted to contact the company through its online message portal several times. Each time I was told how to add a user, which I already know how to do. I was finally told to call the company. I have called three days in a row. The first two days I was on hold for over two hours and no one answered. Today I have been on hold for six hours and there is still no answer.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

All of my credit cards and loan accounts are set to auto payments. I have never been late for any credit card payments. 

Citicards cancelled my autopayment on one of the cards in XXXX. I did not receive a single email or phone call regarding this. I received a call 34 days after the due date regarding the late payment. I immediately made the payment and called Citicards to  clarify the matter. Citicards credited the late payment and told me that they are not reporting this as a late payment due to COVID. 

I monitor my credit score and received a notification a few days later that Citicards had indeed reported this as a 30 day late payment. I called Citicards back and went over the situation again. I finally spoke to a supervisor that understood my issue and told me that they would report this as a banking error and the late payment flag would come off in the next 30 day cycle. Unfortunately, that did not happen. 

I have raised this issue with Citicards many times since the last couple of weeks but am not having much luck. 

Citicards cancelled my autopayment without proper notification. No email, secure message or phone call. Under CFR Part 1026.10 - Payments Section 10 ( f ) -4.v, if the card issuer can not charge a late payment for 60-day period, then the payment should not mark as late either.

CFR Part 1026.10 - Payments Section 10 ( f ) -4.v v. A consumer has elected to make payments automatically to a credit card account, such as through a payroll deduction plan or a third party payor 's preauthorized payment arrangement. A card issuer changes the procedures for handling such payments and as a result, a payment is delayed and not credited to the consumer 's account before the due date. In these circumstances, a card issuer may not impose any late fee or finance charge during the 60-day period following the date on which the change took effect for a late payment on the account.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GreenSky, LLC (TX)

Greensky Made A XXXX Dollar Loan In Me And My Husbands Name With Out Ever Speaking To Us With Out Us Signing For A Loan With Out Us Knowing Any Thing About This Loan .Now They Have Slammed Our Good Credit Rating And They Are Calling Us All The Time For Us To Pay For A Loan We Never Asked For Or Never Agreed To! This Is Criminal To Loan Money In Our Name Which We Never Filled Out Any Loan Documents Never Asked For And Never Even Spoke To Us
Consumer complaint received 2020-10-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (CA)

For refinancing, I went to the Lending Tree website ( www.lendingtree.com ). I was not asked to enter my SSN. However, based on my name, DOB, and phone number, they obtained my SSN and then passed it out to unknown number of lenders, ALL without my permission or authorization. I contacted them and they said that it is disclosed on the page asking for the phone number. I took a screenshot of each page and that is not so. They just said that our legal department has approved everything on our website.