davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Received an attempt to contact me by a representative at Transworld Systems collection agency on XX/XX/2022. They did not leave a voicemail, so I called back to investigate. This phone call was an attempt to collect a debt that is not owed, no prior knowledge of the debt or the company that issued a request to collect a debt. 

They used an old address of mine to verify who I was. 

Details of the debt from the phone call : XXXX company requesting around {$69.00} debt collection from a bounced check. 

I told Transworld systems that this is a fraudulent check, I never use checks to pay for anything and I don't do any sort of gambling. 

I contacted transworld systems a second time to confirm some details and the last name they had on file for me is incorrect. They then removed my phone number from their contact list.
Consumer complaint received 2018-09-03
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. (FL)

On my Equinfax credit report I have Bankruptcy Chapter XXXX listed. Then the Credit card companies are also still listed as Derogatory/Delinquent information on my Credit Report individually. Can these please 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
Consumer complaint received 2018-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (GA)

I was told repeatly that there was not any origination or up front fees with this loan when I spoke numerous times with account representative on the phone. 

When loan dispersed I was charged a origination fee of {$480.00} on the {$8000.00} loan. 

I called numerous times to Lending Club XXXX only to be put on hold and then hung up on, told they would look into it and get back to me, and refused to let me speak with a supervisor. 

I then sent them a letter and email regarding my issues they then debited my checking account 4 days early for the monthly payment which caused issues with my checking account overdraft. 

I called again about both of these issues and was again told someone would address my problems but they never called or emailed me. 

I proceeded to close my checking account so they could no longer debit it. 

They violated the terms of our agreement/contract on origination fee and early debiting my checking prior to the agreed due date of a payment. 

Lending Club never addressed my issues and sent the account to a collection agency. I have been receiving harrasing phone calls from 4 different agencies/legal that claim to have the account, and my credit reports shows chargoff and collections.
Consumer complaint received 2018-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CO)

I have XXXX XXXX loans through Wells Fargo, and have auto-pay. I've not had a late payment in 15 years of paying. I went into a local branch on XX/XX/2018, to make an additional principle payment ( wrote that I wanted it to go toward principle on a specific loan, and pointed it out repeatedly to the bank teller. ) I have two distinct loans ( XXXX ) and ( XXXX ). Each has a different interest rate. I requested my additional principle payment of {$500.00} that day go to the loan with the higher interest rate ( XXXX ). I was told the local branch could not do that, and the student loan department was closed, since it was Saturday. I spoke with a Personal Banker to explain the payment I wanted to make, and she indicated she would look into it and get back to me on Tuesday, XX/XX/2018. I have still not received a call back from the local Wells Fargo branch. 

On Wednesday, XX/XX/2018, I logged onto the Wells Fargo website and found that, not only did my extra {$500.00} payment split between the 2 loans, it did not all go toward the principle. I was charge {$24.00} in interest on loan XXXX, and {$24.00} in interest on loan XXXX. My normal auto-pay comes out on the XXXX of every month, just like clockwork for the last 15 years, and I make clear at the time of the extra payment that it was an " extra payment for principle only. '' So, it appears Wells Fargo is blocking me from : 1 ) Making a principle payment 2 ) Paying off the highest interest rate loan first 3 ) By default, collecting all of the  possible interest they can on my loans, and trying to extend my payments as long as possible. 

I've tried many times over the years to make a principle payment, and have been met each time by Wells Fargo with the same attitude : " There's no way to do that. '' Now that they have finally been reeled-in by the government for unfair business practices, I'd like to point out that they are unwilling and/or unable to process a principle payment on a specific loan, which I believe to be against the law.
Consumer complaint received 2018-09-03
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. (OK)

I filed a dispute with Equifax on behalf of number of inquires that have appeared on my credit report, I have sent out dispute to the company 's as listed and some have came back as not deliverable, Equifax responded with verified but didn't disclose how or what was used to verified with, confirmation # XXXX under 15 us code ss 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to  whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to  review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the  consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and
Consumer complaint received 2021-08-03
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 (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2018-09-03
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. (MI)

Equifax is reporting two open collection accounts for a debt collection company called XXXX XXXX XXXX. Both of these accounts have been deleted from my credit report by both XXXX XXXX and XXXX. The last payment on the account was 2011 and both accounts exceed the Michigan statute of limitations for collection ( 6 years ) as well as 7 years on a credit report.
Consumer complaint received 2018-09-03
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. (NC)

I've been working with Equifax credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from Equifax, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with Equifax. Everything has been removed from XXXX, XXXX several years ago.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I do not have precise dates of communications between myself and Equifax, as I did not realize this was going to become such a problem. 

In Spring of XX/XX/2018, I received an unprompted letter stating that my current address has been changed. They stated that my new address was my previous address. This was inaccurate and I had not requested the change. 

I called Equifax to inform them that they had erroneously changed my address to an old address. I spent 30 minutes verifying my identity. The woman on the phone wanted every credit card balance I had and every mortgage payment amount ( I am in investor so I have quite a few ). This required me to log into various accounts to get this information. After she verified my identity, she said, " Please mail a copy of your driver 's license and social security card to <XXXX XXXX> with a cover letter stating the change you are requesting. '' This was a bit irritating, as I had already told her what I wanted, and wondered why she couldn't just take care of it, but I didn't say anything to her about it and did as I was told. 

I considered the matter done. Until I got a letter in the mail stating " The identification you provided does not match our records ... Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number.. '' That's what I had ALREADY DONE. 

On XX/XX/2018, I sent another letter with my driver 's license and social security card. This time I enlarged both documents to take up an entire page and included the original cover letter. I also added a note that said, " This is the third hoop I have had to jump through to fix your mistake. I did NOT request that my address be reverted to my previous address. If you do not change it back then I will submit a complaint to the CFPB. I am taking no further action on this. Fix your mistake. I am done. I hope these documents are big enough for you to read this time. '' Again I considered the matter closed. However, I received another letter dated XX/XX/XXXX from Equifax. It was the exact same letter, requesting my driver 's license and social security card. I have not been able to reach them by phone because they want some claim or file number and I have no idea what that is. 

At any rate, I want to shift the burden from myself to them. Their system made an error and they should put the burden on themselves to fix it, not on me.
Consumer complaint received 2022-07-21
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: BARCLAYS BANK DELAWARE (SC)

I have had a XXXX through Barclays for approximately 15 years. My wife got a second card on the account for her use. On or about XX/XX/XXXX, she was notified her card was being used to purchase a computer. She notified XXXX through whom the computer was being purchased and XXXX indicating it was not her making the purchase. They said they canceled the purchase. Unfortunately, it was sent out the following day. Some imposter received the computer in XXXX SC. We fought with them about the fact it was fraudulent. XXXX had sold a computer at my wife 's expense. XXXX was receiving monies for providing the money to pay for the computer. Eventually, XXXX deduced it was in fact fraud. They took the computer off her bill and notified her they had taken it off of her bill. 

In the interim, XXXX had transferred the fraudulent computer purchase to my card in XXXX. I refused to pay it because it was not only a fraudulent purchase, it was not made with my card. XXXX would not take the computer off of my card. I refused to pay it. I attempted to contact them. They disregarded me. They hung up on me. They transferred me directly to collections so they could continue attempting to extort me with the purchase THEY had put on my card. 

I was attempting to purchase a building to be my office due to the sale of the place I rent. I attempted to borrow {$64000.00} on a {$100000.00} house. The XXXX XXXX of the bank called me to tell me I had been refused financing because my XXXX XXXX was XXXX. It had been XXXX. Thus, I was unable to get my building due to the defamation of the credit card company. 

They finally took the fraudulent purchase off my card in XXXX. They did not take the interest off. They did not take the fees associated with not paying for the fraudulently purchased computer. Now, they have canceled my card ( I only learned that due to my call to the credit card company again today. ). They have refused to make the situation right and I have been crippled by a fraudulent purchase they have put on my card! They knew it was fraud yet put it on my card. Essentially, XXXX made a fraudulent purchase of a computer on my credit card. That is a breach of their fiduciary duty to me. That is a fraudulent purchase. That is defamation. That is blackmail/extortion ( putting fees on my card and forcing me to pay them or get crushed by my credit report. PLEASE HELP ME!
Consumer complaint received 2022-04-25
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. (SC)

i did not authorize nor consent to the following inquiries being furnished on my consumer report. XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Experian XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian This is a violation to all 3 credit report agencies experian XXXX XXXX, and XXXX.
Consumer complaint received 2018-09-03
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: VW Credit, Inc (FL)

I had an account with VW which was paid off by the Dealer in XX/XX/XXXX-XX/XX/XXXX. I had to include it in Bankruptcy because the account was still open with all 3 credit reporting agencies.

I have consistently tried to remove the late notice in XX/XX/XXXX because at the time I did not have the vehicle since it was traded in at XXXX XXXX in XXXX Fl. 

I contacted XXXX over the phone because they do not allow me to dispute online as is my right. They have me blocked. I told them the account was never late. 

As a result XXXX updated the account as a charge off on XX/XX/XXXX in error. I tried calling them and explained I had no lates for about 4 years and they told me the score dropped because of XXXX charge off. This was false information. The report dropped because they updated the report to show VW Credit as charged off in XX/XX/XXXX making my credit score drop 24 points as well as my credit rating from Good to Fair for being late .1 years - IN ERROR. I could not dispute online. THis caused my denial of credit. I can not wait 30 days for them to fix their grave mistake. The account has no activity since XXXX. Yet, their ineptness added it as a recent negative which made my score drop 24 pts. This is in addition with their taking the XXXX account and counting it as 6 accounts late rather than 1 account in their scoring model. 

They investigated both the XXXX and VW incorrectly and now I am being penalized. I also am complaining against VW Credit US for attempting to re-age the debt on the account that has been closed without activity for almost 4 yrs.
Consumer complaint received 2018-09-03
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. (TX)

Joined the XXXX XXXX in 2016 and had to be gone for 25 weeks. Called the XXXX and requested a payment deferment/forbearance and got approved but still reported 5 months on 5 different tradelines late. Have tried to explain to that I had a forbearance was approved for that period and had not to be reported late. At first, they denied any forbearance approval in the past since they could not see anything in their system. But the grace of XXXX, they recently researched and found the letter. However, I have tried to get them to remove those late multiple times but they insist that their reporting accurate.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

On XX/XX/XXXX I received an email from Chime stating that my credit builder account is on hold due to unsual activity regarding funds that were deposited in my account. 
Even after I explained to them I was a nurse and receive daily pay and provided proof my account was still on hold. 
It has been a year that I have been back and forth with Chime by email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XX/XX/XXXX with no resolution. 
I have been trying to recover my funds in this account for over a year. Even after I provided the documentation they requested they still have not upheld my account. I would like to recover my funds XXXX and completely close the account asap.
Consumer complaint received 2018-09-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Unisa, Inc (TX)

I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms.