davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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: BARCLAYS BANK DELAWARE (NJ)

The following charge appeared on my XXXX XXXX XXXX XXXX ( issued by Barclay XXXX XXXX - https : //www.barclaycardus.com ) - the below information is copied from my current activity as listed on their website : GoFndMe* salvemos alos Ar Account ... XXXX {$390.00} XXXX Points PURCHASED BY XXXX XXXX TRANSACTION DATE Saturday, XXXX XXXX, 2021 POST DATE Sunday, XXXX XXXX, 2021 MERCHANT LOCATION* XXXX XXXX CA XXXX XXXX XXXX NUMBER XXXX MERCHANT CATEGORY CHARITABLE AND SOCIAL SERVICE ORGANIZATIONS I did not make the above donation - and I contacted XXXX on XX/XX/XXXX XXXX soon as I noticed the fraudulent transaction. It has been more than the 10 business days I was informed it would take to investigate, and XXXX has not sent me any communication regarding the charge, and has not taken any action to investigate. 

I have spent many days on hold with their " fraud department '', but have yet to speak to anyone there. It is nearing the end of my statement month, and despite assurances by representatives that I would not be liable, when I log into my account ( or call ), their system tells me that I owe {$390.00} I can't afford to have a late payment show on my credit report, but they are most definitely dragging their feet and making no apparent attempt to resolve this dispute. 

I have also reached out to XXXX, but have made no headway there in terms of determining where the charge came from.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

Today Harris & Harris , Ltd. called me at work and asked me to provide my identifying information right away. Since my bills are being paid, and I have an agreement with a medical provider ( I live with XXXX XXXX ), I asked the agent what debt she was collecting. She told me I was not allowed to ask questions, and she was the only person allowed to before asking me to verify personal information. I told her if she was not answering my question, I was not answer hers, and I hung up. XXXX XXXX XXXX XXXX XXXX called an hour later. 

This occurred on XX/XX/XXXX a little after XXXX XXXX The next call happened a little after XXXX XXXX   Since I was working with a student remotely, I did not answer. According to XXXX : XXXX. How can you seek verification and validation of the debt? 

Debt collectors do not have to provide debt specifics during the initial call, though they often will. Collectors legally have five days from initial contact to supply it. This legal process, defined in the Fair Debt Collection Practices Act, is called verification. Simply asking, How can I request written verification of this debt, and getting the paperwork in hand, is good practice. ( A sample debt verification letter is here ). The process is also called validation. Any legitimate collector will not balk at requests for verification or validation.
Consumer complaint received 2021-04-19
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: LEXISNEXIS (LA)

I disputed a bankruptcy account on my credit report with XXXX  and XXXX XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, Lexis Nexis, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, XXXX nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

Experian has discriminated against me by listing items on my credit report that occurred because I was emitted in a XXXX as a XXXX veteran. These items which do not belong on my credit report have prevented me from receive credit by many companies and have cost me because I receive higher interest rates on credit and loans. I suffer XXXX and there are items on my credit report that are do to this injury and XXXX. I have attempted to clean my credit report with this firm to no avail.
Consumer complaint received 2021-04-19
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. (NY)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted which IS attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : THOSE ACCOUNTS ARE LISTED IN THE ATTC.
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-18
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. (NY)

Equifax keeps reporting a fraudulent address on my report. I never lived in the XXXX. I sent several letters with my correct address and they refuse to remove the fraudulent address. I sent documents showing my proper address that mail is delivered by the United States XXXX XXXX.
Consumer complaint received 2021-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (AZ)

I am a client of Transworld System Inc., which owns my student loan debt. I have contacted them ( XX/XX/XXXX, XX/XX/XXXX ), and on several other occasions to correct the information on my account. 

They have sent me the same incorrect information twice claiming that it is the actual balance on the account. In the letter dating XX/XX/XXXX, my reported balance was {$32.00}, XXXX, on XX/XX/XXXX my balance was {$32000.00}. Both are incorrect. The correct amount should be around {$22000.00} ( the exact amount is undisclosed as of now by the creditor. ) in XXXX, TSI was sued by a group of plaintiffs from XXXX for reporting false information about its clients and subsequently lost the case ( class action lawsuit : Sharon Eul v. Transworld Systems , Inc., et al. - Case No. : 1:15-cv-07755 ) Higher Education Loan Program, under which agreement participants were offered settlement to reduce their loan balance to 62.5 % of the principal amount. 

TSI has repeatedly stated in the letters to me that they are unaware of such judgment against them taking place in the court in XXXX in XXXX, and they refused to obey the stipulations of the agreement.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (NE)

On XX/XX/XXXX, I went to a US Bank ATM in XXXX Nebraska. I withdrew {$1000.00}, but there was an error and I didn't receive my money. I called and made a dispute on that day. As of today XX/XX/XXXX, I still have not received {$1000.00}. I called them today and they still do not have an answer to where my money is. I get this money on a prepaid debit card through unemployment. This is my only income because I lost my job during the pandemic, and now I can't pay my bills and will start acquiring late fees. If I had a choice I would never bank with US Bank.
Consumer complaint received 2017-01-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CO)

I agreed to move into an apartment complex but a week in it became clear they were infested with bugs. So the apartment manager told me that I could move out and get my deposit. They gave me back the deposit but 2 years later there 's a charge for around {$3500.00} on my credit report.
Consumer complaint received 2021-04-18
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. (IL)

I have five closed accounts in which is reporting derogatory on my report. it is closed but they report my account as late and i have made on time payments and they don't accurately note when i was supposedly late. XXXX forced borrowers in payment options that caused borrowers to fall behind and those issues get reported as late on the credit report. i have notified " Equifax '' of this problem but they ignored it and refused to correct the problem
Consumer complaint received 2021-04-18
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: CITIBANK, N.A. (CA)

I have disputed the accuracy of an account balance with BESTBUY/CITIBANK. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on XXXX, XXXX  and XXXX  reports.

Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments.

Furthermore the creditor reports " 29 '' CHARGE-OFFS on XXXX XXXX XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

i have sent numerous of letters to XXXX stating i do not owe XXXX $ and to have it removed from my credit as a debt collection. this collection is hindering my credit and i demand it to be removed. i only had XXXX for less than 2 weeks, and i paid the phone bill in FULL and i also returned the cellphone i had with XXXX. the XXXX $ they are trying to collect if false and inaccurate
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (TX)

I submitted a letter back in XX/XX/2020 and again in the beginning of XX/XX/2020 and my letters are being ignored. Also I have many duplicate accounts on my report, false late fees, and bankruptcy past XXXX years old and many other discrepancies keeping me from closing on my house. This is so unfair to me as a consumer, the bureaus are ignoring peoples needs and not sending letters back.
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (IL)

Discover bank account.There was fraudulent activity on account. Bank closed account. When they closed the account I received several incoming payments. They said they will pay it within two months this was in XXXX. They told me they owe me {$160.00} before they shut it down. Now their saying they owe me nothing. During the fraud they got all their money back, but I had 3 paychecks come during the account closure and their pretending they dont know about it. I just want my money.
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion is reporting a duplicate public record, a tax lien, which results in showing XXXX XXXX XXXX XXXX tax liens instead of XXXX. Having XXXX public record on your credit report is " Fair '' ; having XXXX public records is " Poor ''. There is only XXXX. I have disputed with TransUnion, the same item several times over the past year, but they still report XXXX public records on my TransUnion credit report. I contacted the state of Virginia to ensure they reported only XXXX tax lien judgment. They confirmed there is only XXXX. It was filed in XXXX XX/XX/XXXX ; it was paid and released in XXXX XX/XX/XXXX.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I do not have any affiliation or a credit account/card with XXXX. However it 's showing on my credit that I have a closed acct with a balance more than {$1800.00}. I do n't own or have ever filled out paper work requesting or using any XXXX credit cards. It says the account was opened back in 2011 at that time I was not even a legal adult, I would like this to be taken off, it is affecting my credit score tremendously.
Consumer complaint received 2021-04-16
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. (NC)

XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I'm XXXX XXXX complains is about a mortgage loan payment. 
I requested rein quote to bring delinquent payment current from XXXX XX/XX/XXXX for {$37000.00} in XXXX of XXXX XXXX dollars was sent and cashed XXXX XXXX {$35000.00} received and cash through fay servicing. from XX/XX/XXXX the money that was sent for rein has been accepted to satisfy delinquent payments I have not received conframation. That delinquent payment has been satisfied.i was told that the money is in consideration. 
As per conversation XX/XX/XXXX. To date i requested rein and had sent money to be applied toward delinquent payments and a letter satisfication.bring all payment current. 
As statement reflect next payment due XXXX 
I have talked with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employee of fay servicing. 
Fay servicing XXXX XXXX XXXX.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

Yes my complaint is with zelle there add states that you can send or receive money safely and secure the word secure means that they are garunttee that it will be covered and they are deing my claim and I did what that said I desputed it with in the 4 days they say in there app I feel that they are very miss leading and false info on there part because I'm now out of XXXX dollars that I sent and was scammed but there sight says safe and secure I feel they should be held responsible for action and what the app says safe and SECURE means they will stand behind what they say but they should have to pay me back for false info they are saying
Consumer complaint received 2016-07-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

I am filing a complaint with Ally Financial ( Attn. XXXX, XXXX, Ext. XXXX ) and their attempt to contact me about our car loan. The loan is under mine and my wife 's name. The law says they are only to call her or I concerning the loan. Multiple times ( also multiple times in a single day ), they have called my parents in XXXX and my brother in XXXX asking for me and my wife. I have never given out their numbers, which means they are doing searches on my families contact information. This is a form of harassment and it invades my families privacy. On top of that, their customer service is terrible. They interrupt and do n't know the answers to questions about my loan. Please put a stop to their mass calling and going after my family who has zero involvement with this loan. Thank you
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I was a victim of Transunion 's inquiry issue. I spoke with Customer service rep from the XXXX call center. Transunion would not help me resolve the issue. 
Here is a list of the inquiries that were affected. 

XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Any assistance in this matter would be greatly appreciated.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I requested a copy of my credit report via Annual credit report. I contacted Experian on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Experian stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Experian because they had no record of my ever applying for credit with them and stated it was Experian 's error. I sent a letter via certified mail on the same day, tracking number XXXX XXXX XXXX XXXX XXXX which they received XXXX XXXX, XXXX requesting again for the erroneous credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Experian explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Experian even after it has been brought to their attention : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX ( I 've had a savings account with them since XXXX however I did not apply for any new products with them this past XXXX ), XXXX XXXX/XXXX/XXXX ( this should be under promotional because I never applied with them until XXXX/XXXX/XXXX which is supported by the opened account XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Experian, immediately remove the aforementioned credit inquiries.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

I received a bill from XXXX of Michigan for services received in XX/XX/XXXX. I paid the fee of XXXX on XX/XX/XXXX. I received several calls from XXXX stating I did not pay the XXXX. I told the company the date the payment was made and the check number. The clinic continues to call and write me regarding this bill. I sent a copy of the cashed check. I also requested they no longer contact me. The company received a COPY OF the cashed check. The company received a copy of the cashed check on XX/XX/XXXX. XXXX sent this account to a collection agency, Transworld System Inc. I informed TSI that the payment was paid on XX/XX/XXXX. Despite evidence of this paid bill TSI has continued to call and send collection letters. 
I believe the companies, XXXX and TSI are harassing and extorting money. The next game they will play is to continue to pass this alleged bill onto other companies. 
I am requesting the following, 1. the harassment to stop 2. An apology from both companies 3. XXXX  XXXX  dollars for their unfair practices.