davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-02
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2020-04-24
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)

I received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMA Advisors, LLC. (MD)

New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NY)

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charge and the finance includes insurance which protects the creditor against the obligors loss, and or property damage. XXXX XXXX XXXX dba XXXX XXXX did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit B that XXXX XXXX XXXX dba XXXX XXXX is in violation of 15 usc 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. XXXX XXXX XXXX dba XXXX XXXX in fact took cash as shown in attachment labelled as Exhibit A & B. 

Fact, Affiant is aware and has proof in attachment labeled as exhibit A and B that XXXX XXXX XXXX dba XXXX XXXX is in violation of XXXX XXXX XXXX. XXXX XXXX XXXX dba XXXX XXXX willingly and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (TX)

I have contacted this company multiple times over the mail. 
My representative have several phone conversation with two supervisors. 
Both admitted that they do not have a debt assignment agreement and they do not have a full original contract .They assured my representative that they will request such documents and provide me with a copy within 30 days .It is been more than 30 days and I have not received anything from this company. 
Trying to collect the debt without legal authorization is a FDCPA violation and reporting unvalidated debt is a FCRA violation.
Consumer complaint received 2021-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I was looking at a rental property on XXXX  and had several email interactions with the person calling himself XXXX XXXX. He said that he would be unable to show us the property since he lived in California there was another family currently living there. We were told that we could walk around the outside of the property. Once we decided to move forward, the person calling himself XXXX XXXX requested the {$3700.00} for the first month rent and security deposit through Venmo. He was supposed to ship us the key along with some othe documents prior to our move-in date which was XX/XX/XXXX. A little over a week before our move-in date, I reached out via email and did not receive a response. I sent another email 6 days and then again 5 days before our move-in date. I also started calling multiple times a day starting 7 days before our move-in date. Nothing was responded to. 5 days before our move-in date, we went to the rental property and managed to speak with the neighbor who lived in the adjoining complex. He said that XXXXthere was a family who had just moved into the property we had been promised and that his landlord, XXXX XXXX, lived in Arizona. It was only at this point that we truly realized we had been taken in and were not only out of a rental house but also out {$3700.00}. I tried to request the money back from the Venmo account, but I am met with an error that says, " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. ''
Consumer complaint received 2021-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (TX)

For the past two months I've been trying to pay off my loan and the links to pay off the loan don't work. Notice in the attached video that all other links work just fine. I want to pay off my loan early to reduce the amount of interest owed and I think this additional barrier to pay off loans early might have some customers decide not to choose the option and the company can make more money with longer terms.
Consumer complaint received 2021-08-02
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. (MD)

I sent a letter dated XX/XX/21 about inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like Im being taken advantage of and my disputes ignored. According to section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. You have failed to do this. Accordingly, the items should be deleted from my credit report promptly. I demand that these items be deleted immediately or I will litigate due to the untold stress it has caused me. My information was also impacted by the Equifax data breach which has caused me untold, personal and great agony. Im afraid my information may have gotten into the hands of the wrong person.
Consumer complaint received 2020-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, on XX/XX/2020 thats the day I had my appointment set for. I have an inquiry two inquiries from them. The day I went in and gave them permission to run my score and I have one for XX/XX/2020. I did not give anyone permission to run my credit, he wanted my check stubs and I never sent them I waited until I went in person. But I discovered he ran my score anyways. I also as of XX/XX/2020 have an inquiry from Capital one auto finance ... I did not choose a car when I went to XXXX XXXX.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (MI)

They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

Entered into a forbearance due to financial difficulty with citi bank XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.
Consumer complaint received 2021-07-31
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. (NC)

My wife and I returned a lease to XXXX XXXX in XXXX back in XX/XX/2020. We have documentation of the lease return. Almost 6 months later, a tow truck showed up at my mother-in-laws home attempting to repossess the same vehicle. We found out that XXXX never processed the lease return, and that XXXX XXXX XXXX was attempting to collect the debt or the vehicle. We contacted the bank right away to let them know we were no longer in possession of the car, and that we had documentation to prove wed returned the vehicle well within the allotted time. The bank notified us that it mustve been a failure on the dealerships end to file the necessary paperwork. We were told the negative effects to my wifes credit would be reversed, and to allow 30 days for the changes to reflect. We were also advised to contact XXXX and ask about the whereabouts of the vehicle and why the lease return was never processed. After multiple attempts to speak to a manager on the phone and being told that the managers were busy, we went to the dealership in person and asked to speak to the manager. We were told to wait and eventually someone approached us to see how they could help. We explained the situation and provided our documentation, and were eventually informed that XXXX was in fact in possession of the vehicle in question, and that XXXX ( another XXXX entity? ) had failed to collect the car. When we countered that it had been XXXX XXXX responsibility to inform the bank of the lease return so theyd stop charging us, we were simply told something mustve fallen through the cracks and that they would commence the lease return process now ( almost 6 month later ). We realized once we got to the car and looked at the gentlemans card that we hadnt even spoken to a manager, but a sales associate. It has now been 48 days, and my wifes credit summary still reflects the situation, claiming she failed to make car payments. Naturally, her credit score is very poor as a result. She has always been the type to pay everything on time, and had an excellent credit score before this incident. We would love any help or legal consultation on how to proceed with this matter.
Consumer complaint received 2018-05-30
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: Experian Information Solutions Inc. (TX)

cra and ftc were sent to all parites involved these company still have hassle and gone way over board on items that were not mine ID theft and hacking police reports were sent .. 

Nothing i can do XXXX getting from calls from them XXXX XXXX
Consumer complaint received 2021-07-31
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. (NY)

EQUIFAX HAS VIOLATED MY PRIVACY AS A FEDERAL CONSUMER I HAVE NEVER GAVE ANY WRITTEN CONSTENT TO EQUIFAX TO REPORT ANY CONSUMER ACCOUNTS ON MY CONSUMER REPORTS
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Colony Brands, Inc. (OK)

I ordered from Swiss Colony : Chicken, duck, pheasant ; advertised pricing {$92.00} plus shipping and handling. 

I only received a very small chicken in this order. 

Swiss Colony Representative stated I could not return item for refund Swiss Colony Rep apologized, but mislead me into believing, the order was accurate. 

I later revisited the site and the same chicken, duck, pheasant was advertised for {$92.00}. 

The price has now changed as of XX/XX/2020. 

I also have an Swiss Colony account with recent payment of {$25.00} and {$50.00}, the Swiss Colony statement does not reflect correct available credit to this account for payments rendered. 

I have XXXX ( XXXX ) available credit on my {$300.00} Swiss Colony credit card, which is an error and degrading. 

I was issued a XXXX XXXX credit account. 

After one ( 1 ) XXXX XXXX  purchase and payment, Swiss Colony, without my knowledge, transferred my payment and balance to my Swiss Colony Account causing a high balance/interest. 

Swiss Colony is requiring one hundred percent of purchase price for orders place, when Swiss Colony approved my credit. 

Swiss Colony/XXXX  XXXX is requiring deposit, " full payment of order '' to establish already established credit with Swiss Colony/XXXX XXXX
Consumer complaint received 2021-08-01
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. (GA)

I XXXX XXXX want all my personal information deleted that's not on my documents added.

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2021-08-01
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. (FL)

Since XX/XX/2021 I have been trying to dispute XXXX, XXXX and XXXX XXXX with all 3 credit bureaus. I have requested for the bureaus to send me proof of their verification with documentation. XXXX the original creditor nor XXXX XXXX  HAS NOT been investigated AT ALL since XXXX ; therefore the bureaus has disregarding my rights as a consumer and have passed the timeframe allowed of 30-45 calendar days to complete an investigation. The bureaus has even passed the 60 day timeframe after numerous request for verification. I have also informed the bureaus in recent disputes that they are reporting incorrect last active dates for XXXX and XXXX which has caused this account to re-age which is a HUGE violation for FCRA and FCDPA. I would think that bureaus would have more respect me as a consumer and had completed these investigations. The burden of proof is on the Bureaus. Being that XXXX nor XXXX XXXX were never verified by the bureaus I am requesting permanent deletion from my credit profile. XXXX please DO NOT send me back a generic response of which you are known for stating that you need authorization. Please consider this my written authorization for this complaint as well I have attached a copy of my proof of identification. You have stalled and prolonged of enough time and if this is not handled I will have to take matters further and get a consumer attorney and file a complaint with FTC as well. I keep excellent records so please do not disregard this complaint. 

Thank You
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I original had this overdraft line of credit on my checking account with XXXX Bank. however, due to a divorce I defaulted on the loan XX/XX/XXXX or XX/XX/XXXX. Due to the statue of limitation the debt should have been removed from my credit report XX/XX/XXXX. XX/XX/XXXX I submitted a letter to Portfolio Recovery ( debt was sold to them from XXXX XXXX ) requesting this debt be removed, and they responded they would not, and resubmitted it on my credit report XX/XX/XXXX.
Consumer complaint received 2021-08-01
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. (OH)

The XXXX XXXX XXXX has reported an installment loan on my Equifax credit report in the last 3 or 4 months that I NEVER applied for nor borrowed. This item has been disputed with Equifax to no avail. I personally consider this to be fraud on XXXX XXXX XXXX XXXX part due to falsifying my credit report. It looks to be a {$2000.00} installment loan for 12 months.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc. (KY)

I receive phone calls from Franklin Service , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : XXXX They call repeatedly but do not leave a voice mail, when I do answer, I have asked them on no less than 4 occasions to send me the information in writing as I do not believe I owe this debt. Each time they confirm but do not send the information and continue to call. I've asked repeatedly for more information, but they do not provide that information, instead calling repeatedly, leaving no voicemail, call after XXXX and ignore my wishes for more information.
Consumer complaint received 2016-11-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (GA)

My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time. 
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ME)

On XX/XX/XXXX I was charged an annual XXXX membership fee to my Citibank Costco credit card without knowledge. They stated they sent statements to me via email, however, they would have received an undeliverable message as this was a business account, and I had lost my job due to Covid in XXXX of XXXX, resulting in the email address being terminated. It took six months ( while late fees accrued over-and-over ) for Citibank to use the information they had on file the entire time, and contact me! They finally called my phone number and mailed a late notice in XXXX. By the time I became aware of this charge not only did I have several months of late fees, but the credit account was closed, and my personal credit score had decreased nearly 100 points! My calls to a few different departments resulted nothing. I have had many credit accounts in my 48 years, but will never do business again with Citibank as I find their business practices don't protect the consumer, but actually show intention to result in their own financial gain ( isn't that the definition of fraud )?!
Consumer complaint received 2021-08-02
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. (NC)

Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.