davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX intern Account number : XXXX  Account name : keys federal credit Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 2 TIMES 3 DAY PAYMENT : XX/XX/2016 ; XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-07-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Datasolutions, Inc. (AZ)

I am writing to figure out if a company fraudulently used my checking account by gaining access and ultimately wanting me to pay a surcharge of {$25.00}. I've attached an email I received and could not get an answer by contacting the company or both of my banks. I've spent hours on this and don't know another option. On XX/XX/XXXX I made a gas transaction at a XXXX XXXX gas station in XXXX, Az. I paid for the purchase with my XXXX XXXX XXXX XXXX XXXX XXXX which is linked to my checking account and allows me to get a discount on gasoline. I signed up for this card in XXXX using my XXXX XXXX XXXX XXXX checking account and provided the routing and account number. I signed up through the company they use called Zipline ( XXXX  ). The process involves them making 2 small deposits of a few cents to verify the account. Once they did that, I responded to an email to complete the process and everything went smoothly for years. With the high cost of gas recently, I decided to use my XXXX XXXX card along with earned points from a grocery store named XXXX 's in the area. By doing this, I was able to fill up my tank for $ XXXX instead of {$5.00}. On XX/XX/XXXX I received an email from XXXX, a debt collection company on behalf of my transaction. They pointed out that I need to call and set up payment for the denied transaction and a {$25.00} surcharge. I contacted my XXXX XXXX XXXX XXXX and they could not find any denied transactions on my account. I then called XXXX and told them what my bank found. After going around the mountain several times, XXXX advised me that this was involving a XXXX account that I used to sign up in XXXX, not XXXX XXXX. I told her I signed up with XXXX XXXX in XXXX and asked how they got my XXXX checking information. This is the problem. Since I closed my XXXX account on XX/XX/XXXX, I do not have access to any information and went to a branch office. They can't explain it but do show a denied transaction for my gas posted XXXX. I attempted to access my XXXX XXXXZipline account and it's locked. I called and was told that unless I pay the amount + surcharge, my account will stay locked. I told them that I acknowledge the transaction but, until this is rectified, I will not pay the surcharge. They would not allow me to pay for the transaction only. I am now in the process of trying to put my XXXX XXXX account back on my XXXX XXXX card to see if I can access their information but can't verify the small deposits because of being locked out. 
The end result is that I'm in limbo with this and can not access my accounts to provide any supporting documentation I may need such as when I signed up, etc. Someone needs to provide proof of how that account was changed but I don't have any means to retrieve it. I can request banking statements from XXXX if needed but they have to send them by the United States Postal Service which could take up to 30 days. I applaud what you do and hope you can help me. Thank you.
Consumer complaint received 2018-08-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Got a call from XXXX at Transworld on behalf on XXXX XXXX. Trying to collect on a bill I paid upon receiving from XXXX XXXX. I never received a followup from XXXX XXXX about the bill being owed. I received a collection letter about a month ago about this, which I disregarded as I did not owe anything.
Consumer complaint received 2022-08-23
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018 between the hours of XXXX and XXXX XXXX a unknown person used my debit card at a merchant in a neighboring city. I was unaware that I no longer had my card in possession until that night when I was attempting to get gas. When Chase my bank was first notified they administered a temporary credit but a week later they reversed it and now before making me aware of their decision are telling me I must get a lawyer to supena the merchant for camera ... ... I just wish they would have talk with me about what was going on so I would have been aware from day one of getting the temporary credit so I could have actively begin my own investigation into the matter as well ....
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I know this is not the fault of the person handling this case but someone needs to see this and take action ... 
As a result on an investigation I requested, on both XX/XX/17 and XX/XX/17 ( see enclosed reports ) Equifax was showing a bankruptcy as deleted and not reporting respectively. Only to add it back later. According to the reports sent to me " If an items " Deleted '' Equifax has removed the item and was supposed to take steps so that it does not reappear. '' Equifax has failed in this regard and is in violation of the FCRA ...
Consumer complaint received 2018-08-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION (FL)

I have disputed XXXX XXXX many times because they continue to report inaccurate information such as the balance and notating it as key derogatory every month which causes my credit score to go down. They continue to confirm and verify the information is reporting inaccurately.
Consumer complaint received 2016-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

This is the third year I have been kicked off IBR by FedLoan while they 'process ' my re-certification. In the meantime, I have been forced into either forebearance ( adding XXXX in interest/month + ineligibility for PSLF ) OR paying standard repayment ( doubling my monthly payment, which is unaffordable ). I have filed my paperwork on time every year, they have taken 3-6 months to process it. Twice placing me on the incorrect repayment plan - making me ineligible for PSLF, and costing me thousands of dollars while they corrected the plan the second time. FedLoan is also not correctly calculating my eligible payments toward PSLF. I have made on time payments for the last 10 years, while employed full-time at an eligible public employer. The first two years FedLoan had me in the wrong repayment plan ( I was unaware since I requested IBR, and was naive enough to think I was in the plan I had asked for ), so I lost two years of eligibility. I was able to change into the right plan in 2009, and have continued to pay on-time and have not changed jobs. I have refiled paperwork with them every year, confirming my continued employment and eligibility. However, FedLoan continues to show my eligible payments at XXXX - XXXX more to go - after almost 8 years of payments, how is that possible? I know I lost a couple of eligible payments when they put me in foreclosure for a month or two while they fixed the recertification they screwed up, but showing less than two years of eligible payments is insane. There are a lot more issues, but these are the highlights. Right now I am feeling very helpless as I am going into my third month of standard repayment as they 'expedite ' the IBR paperwork that I filed in XX/XX/XXXX. I can not afford to keep doing this, but am not going to take on thousands in accrued interest ( again ) for their inability to do their jobs. Please help. I am happy to provide documentation or any additional information as necessary. I know I am not alone stuck in the FedLoan incompetence trap.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (TX)

These hard inquiries need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-03
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. (SC)

I have submitted a request to delete some items from my credit report to Equifax via certified mail. It has been over a month. These items resulted in identity theft from creditors that I do not know about. I was also a victim of their very own data breach. 

The accounts that are fraudulent and I have even filed a police report for are the items below. 

XXXX XXXX XXXX XXXX XXXX XXXX I sent in a notarized affidavit stating that these items are not mine. ACCORDING TO THE FCRA 605 B, EQUIFAX IS SUPPOSED TO BLOCK THESE ITEMS WITHIN 4 BUSINESS DAYS. WHY IS IT THAT EQUIFAX IS THE ONLY ONE BREAKING THE LAW. XXXX  AND XXXX  COMPLIED BUT WHY ARE THEY TAKING IT UPON THEMSELVES TO VERIFY A FRAUDULENT DEBT. THIS IS ILLEGAL AND VIOLATES MY RIGHTS AND VOICE IN THIS MANNER According to the FCRA 605 B ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2019-03-28
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. (CA)

I have requested XXXX, Equifax, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my XXXX XXXX profile be frozen. Following the investigation of the CFPB it was changed to XXXX XXXX as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like XXXX XXXX.
Consumer complaint received 2021-11-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

On XX/XX/2019, I received a letter stating that my FHA Mortgage was sold by First Citizens Bank to a third party debt collection agency named XXXX  : Effective XX/XX/2019, which was then sold again to XXXX XXXX XXXX. I did not receive proper notification from either company of the transfer and procedure within the 15 days of the sale. This is Identity theft and I didn't give either one of the companies consent. First Citizens Bank Took a Finance Charge from me in a consumer credit transaction. I've been violated in this consumer contract and I demand answers.
Consumer complaint received 2020-02-28
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. (FL)

Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} -XXXX XXXX XXXX XXXX {$58000.00} -XXXX XXXX XXXX XXXX {$43000.00} -XXXX XXXX XXXX {$44000.00} -XXXX XXXX XXXX {$0.00} -XXXX XXXX XXXX XXXX {$11000.00} -XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX  XXXX
Consumer complaint received 2018-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

We have had our home mortgage with Wells Fargo for 7 years. We have had no issues in the past. The end of XX/XX/XXXX, we decided to take all of our checking and savings accounts to Wells Fargo. I made my monthly mortgage payment on XX/XX/XXXX. I made the payment through my new online Wells Fargo Bank Account ... thought the bill pay system. The amount of {$1300.00} debited my bank account the following day. 4 days later we received the courtesy call that our mortgage payment was late. I immediately called Wells Fargo. Online banking services could not help me, so I was transferred to mortgage department. The representative I spoke with was extremely nice, and very helpful. I explained the situation, and she even contacted banking services. She told me they could see where the funds were debited, but were not sure why they had not reached the mortgage department. I told her I was a little confused, since they are all Wells Fargo accounts. She said my payment would be applied in usually 5-7 business days and no late fees would be charged. Fast forward to almost 7 days later, and my mortgage had still not been paid. I called again..spoke to two representatives who were of no help. I called again, and then spoke to 4 representatives, until finally someone made a claim on my account and assured me that it would be resolved. 7 days later, on XX/XX/2018, I receive and email that my claim has been resolved, with no description as to how. I call online banking services, she will not help me. I call Mortgage Services. The representative was very helpful, but explained to me that for some reason my payment had still not been applied to my mortgage, but was being refunded to my bank account. I could now make a payment of {$2600.00} to make my mortgage current. I still have not received the funds back in my account, and I will not be making a payment until I do. I will also be going to the closest Wells Fargo location to make a formal complaint. I am also asking for my mortgage account to be credited for the payments of XX/XX/XXXX and XX/XX/XXXX. It does not make me feel very reassured that no one associated with Wells Fargo can tell me where my money is currently located!
Consumer complaint received 2022-07-31
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. (FL)

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

Good morning, I will put you in situation so that you can see the seriousness of the acts of Wise US Inc. and XXXX XXXX, as well as the acts of their employees regarding this case. 

Wise XXXX XXXX closed on XX/XX/2022 my company account ( XXXX XXXX XXXX XXXX ) without any reason and left me without money to be able to eat or have accommodation while I was traveling in XXXX, XXXX. 

I had to sleep several days in the street and I could not eat on several occasions for lack of money because Wise had blocked the access to my money and they did not offer me any solution until several weeks later. 

I was able to survive thanks to my family because they sent me money and I had to ask for medical assistance for XXXX XXXX XXXX XXXX and go to the Spanish embassy in XXXX for help and support, in addition to denouncing what had happened to me. 

Today it is XX/XX/2022 and I have STILL NOT RECEIVED THE MONEY FROM MY COMPANY ACCOUNT XXXX XXXX XXXX XXXX. This money corresponds to a sum of XXXX USD ( all my life savings and all the money I HAVE ). 

I am still waiting for a TOTAL OF 31 days to receive the remaining money from my XXXX XXXX XXXX XXXX account, which Wise XXXX XXXX XXXXold me they will sent to my company account in XXXX on XX/XX/2022. 

This transfer, which Wise XXXX XXXX told me was made, was made on XX/XX/2022 to my company bank account XXXX XXXX XXXX XXXX in XXXX XXXX, but after talking for several days with XXXX XXXX, the transfer does not appear in their systems or this is what they told me. 

So I'm still waiting for 18 days to receive a transfer that Wise XXXX XXXX made to my own business XXXX XXXX account. 

I have also spoken with XXXX XXXX repeatedly by email and phone and they tell me that they have no record of this transfer in their systems and that they can not track the transfer. 

And NOW there is ANOTHER PROBLEM : Yesterday XXXX XXXX blocked and closed my company account, that same company account that was waiting for more thanXXXX days to receive the amount of XXXX USD from Wise XXXX XXXX  . 

XXXX XXXX closed my account for no apparent reason .... 

So the question here is : Where is my money then? Can you see that this is a really serious problem? 

And I want to repeat this again : who is going to pay for the damages caused to my company and person?
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (NC)

In accordance with the Fair Credit Report Act SCA Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states that 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.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (WI)

There was promotional value of 0 % interest for 12 months on the Sears Credit card. The original balance was a little less then {$700.00} and to this date, we have paid over {$750.00} towards this balance. We made other purchases after but were making payments that were suppose to go to the original promotional balance. After calling the company direct, we were told that the payments were going to the full balance instead of the promotional value and that you need to call and set up a separate payment to go towards that. We have a {$100.00} set up as autopay that should go towards the promotional value, but instead they have been using it towards the whole balance instead.
Consumer complaint received 2015-08-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I obtained a quote for moving services XX/XX/2015 and accepted the vendor. I never received an invoice yest was billed two times at rates not in the quote. Once for {$450.00} and once for {$90.00}. This total was well over the quoted price for service. 
I contacted this CC and filed a complaint. The CC issued me a notice of PERMANENT reversal of the charges. Now the CC placed the charges back on my account after the PERMANENT reversal notifications over a month ago. I also contacted the moving company but there has been no reply.