davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Paypal is emailing us courtesy notifications that are statement is ready for review. This implies it is also ready to pay. However, this is not the case. The dates that Paypal is providing are misleading and causing customers like me to make payments that are inaccurate. 

In XXXX I was notified by Paypay that my statement was ready. I logged in and paid the statement balance. Today, in XXXX, I was notified by Paypal that my statement is ready. I logged in and discovered i was assessed a late fee and there was a balance due for XXXX. 

Subsequently, the 1st customer service rep had an attitude and I hung up. The 2nd rep was boggled by this issue as well. But credited my account for the late fee.

I spent alot of time in the above discussions.

Afterwards, I began to review all the emails and statements and balances to see where the problem was. And I concluded that it is 100 % Paypal and Synchrony Bank for providing us with misleading information about our the dates of our statements.

The attachments I am providing will show that Paypal notified me that my current statement is ready to review ( and pay ). When viewing the
Paypal Account, the due date is for last week and not for the end of the month. Then when going to Synchrony to make a payment, there is no statement for this month. Instead its last month statement. And then we customers pay inadvertently pay that amount
Consumer complaint received 2018-02-28
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. (WA)

I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (AR)

There is a old credit card that was used multiple times by someone else after lost / stolen, no I did not authorize. Have told them multiple times and it has caused me a great deal of pain, as much as leaving me home less for not being axle to use credit for housing / transportation. 
This has taken a great deal of toll on me. 
As a newly adult at first I ignored it after not being able to resolve it and now it have even been an impact on my family well being.
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX  XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX   XXXX {$1600.00}
Consumer complaint received 2018-06-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: D. SCOTT CARRUTHERS (CA)

XXXX  has been harassing me, my kids and family for the past two years now a company named XXXX XXXX bought the loan they have called family and other people I havent spoken to in years stating I owe them money. They have had people call and come to my place of work threatening to know where I am. The final and worst XXXX that they have done is call my children stating they better tell them were I am. My children!!
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc. (UT)

So, I got this bill from MOUNTAIN LAND COLLECTION. 
It says that I owe them {$650.00}. They said this is the amount I owe to XXXX XXXX XXXX XXXX. Funny fact, I have never heard of that place or been there. I do remember going to the XXXX  on XX/XX/2020 but I went to intermountain and it was a work-com. This bill was supposed to be paid by the job I was working at.
Consumer complaint received 2019-05-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

XXXX XXXX an employee of XXXX XXXX told me he was the inventory manager for the southeast and wanted to thank me for taking care of him. He picked out of his over inventory XXXX worth of XXXX XXXX merchandise and told me it would be {$800.00}. I thought it odd however he said he was the big boss and could do this. On XX/XX/XXXX, I withdrew {$800.00} from my bank XXXX XXXX XXXX XXXX by debit card and went to XXXX and got a money order. He gave me his Wells Fargo bank account information and I deposited the money. Then, he informs me the money wont clear until Tuesday. So he got {$750.00} from me in cash that I again withdrew by debit card. He took it and went to XXXX to deliver my items. After two days and so many deliveries from XXXX XXXX XXXX he promised me it would happen. On Tuesday, XX/XX/19 he said they attempted to deliver but no one answered the door. I checked my security system and no one ever tried to deliver. I let him know this he said XXXX XXXX investigated by following the GPS on the delivery truck and the driver was parked at XXXX. He said but now the driver is trying to charge me for delivery. {$2000.00}. I said I didnt have it. He said he would use the initial {$800.00} towards my delivery and just needed {$1000.00} more. But that he would return {$1800.00} to me in XXXX XXXX gift cards and go to the store with me to change them into cash. I didnt know they dont do this. So on Friday XX/XX/19 I again withdrew {$1000.00} from An atm at XXXX and went inside and got a money order. I then went to Wells Fargo and deposited the money into his Wells Fargo account. He said if the money clears delivery will be Friday. The money didnt clear til Saturday. I was talking to him on the phone as he was driving to the XXXX  XXXX XXXX store. He said I am getting pulled over. Cops are coming. I literally never heard from him again until XXXX that afternoon when I received text messages from his number. The mystery person told me he was in jail. I repeatedly asked for my {$2500.00} back. They told me no. I said Im going to the police. They said try to make a case. Anyways I have been lied to. There were no goods delivered ever. I want my XXXX money back. Please help!!! I have proof of the deposits and withdrawals from my bank.
Consumer complaint received 2020-05-11
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 Wells Fargo ( WF ) transfered {$1000.00} from my checking account to my WF Credit Card without my written consent and they identified it was a problem and returned {$1000.00} back XX/XX/2020 to checkeing account but my FICO score decreased due to their error XX/XX/2020 ( according to email from XXXX ) and Wells Fargo FICO Score, XX/XX/2020 report ). I spoke with customer care department to complain when I first noticed their mistake but they're making these mistakes because their refusing to comply with American Disabilties Act ( ADA ) reasonable accommodations and their not giving any written text, email, or during phone conversation before they transfer any monies to wrong accounts so we customers can " VERIFY '' if the information is correct before they transfer monies. They did open a customer care ticket # XXXX but they closed complaint XX/XX/2020 when they called me but couldn't speak with there Executive Offices because I was talking with medical doctor. Today XX/XX/2020 I requested to speak with WF Executive Offices but instead told me they needed to open a new ticket but it seems they're giving customers " run around '' and changing parties to confuse, re-introduce complaint when they have previous information is " recorded and monitored, '' but feel they're concealing errors and request CFPB to monitor patterns and trends at WF.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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. (LA)

I have inquiry That I know nothing about ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I spoke with XXXX and later Supervisor XXXX of Citibankabout my completion of the reqirements for a XXXX XXXX XXXX miles offer I had accepted. They said I could not qualify because i didn't make " 2 Qualifying Bill Payments '' in 60 days. My statement shows I did.! 2 water bills.XX/XX/XXXX and XXXX XXXX. Their fine print says " Qualifing bill payments are those made using Citibank Online which I did. This is fraud and a scam. I want my XXXX promised miles.
Consumer complaint received 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

The XXXX XXXX, calls me at least 3 times a day to tell me my payments are behind, the last time I spoke with them I told them I don't have lots of time during the day to discuss this and I would like to be granted access to view my account history or payment history or either emailed or mailed the payment history to compare what they have to my bill pay history. I always use bill pay through my bank to make payments, they refused to provide me with access or written proof of my payment history and rudely told me I needed to start making my payments via XXXX XXXX or XXXX XXXX  or they would always report my payment as late regardless of when it is received, the representative told me for their company the received is when they begin processing the payment not what is on the check from your bank sent via bill pay. They have since that conversation began reporting to the credit bureau 's late payments of. 30 and 60 days, those reports have drastically effected my credit score. They refused to reply to any of my emails or letters.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr XXXX called me today from the phone number +XXXX ( XXXX ) XXXX, every time he calls he makes me Upset. He initially said I approved for an amended forbearance payment and my interest rate was reduced to 3.25 % but I never received the letter stating that. I asked him to send me that letter to which he said that it is already closed out because I opted for forbearance extension and I told him I did not ask for that, I only asked him to send me that letter which was approved, I have no proof that I was approved for the pandemic amended mortgage payment. He repeats himself million times and makes the customer frustrated. For a small sentence he takes a long time to complete wasting customers time. 

I also asked him to send me a letter with synopsis of our conversation what we had today, to which he said that the pandemic forbearance amended payment has already been closed out. 

That XXXX me off. 

Secondly I asked him if he can send me the XX/XX/2020 amended monthly payment statement as I already made the {$180.00} payment on Friday to which he said that it will take another 3-4 business days for me to receive it. Now I dont see any reason that why it takes so long for mr Cooper to send an amended payment.
Consumer complaint received 2018-02-22
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. (NJ)

XXXX and Equifax is showing XXXX XXXX on my Credit report.. I have never had an account with XXXXXXXX XXXX and the credit bearues refuse to remove them
Consumer complaint received 2020-10-13
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. (WA)

I have submitted disputes every month for 6 months to all 3 credit bureaus - Equifax, XXXX  & XXXX. I've received confirmation that the bureaus have received my disputes, but I have never received a response, the account I'm disputing has never been listed as " in dispute '' and the inaccurate information is still on my credit report, damaging my score. 

Not one of the credit bureaus has responded to any of my dispute letters, this is not only illegal, but that means the account in question qualifies for deletion from all 3 bureaus. 

The account I've been disputing is XXXX XXXX, it's a loan that was never personally guaranteed by me, it was a company I worked for, but had nothing to do with me personally. This is illegal and unjust.
Consumer complaint received 2018-02-22
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 (GA)

I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX A with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the XXXXrk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with XXXX to have the lien removed from by credit file. I received a notification from XXXX on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Consumer complaint received 2021-08-06
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, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX  XXXX that is being reported on XXXX, XXXX, and Equifax, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per XXXX, XXXX, and Equifax. 
XXXX XXXX Account # XXXX opened XX/XX/2015
Consumer complaint received 2018-02-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: IQOR US INC (MI)

Allied Interstate of MN, mailed me collection letters and statements regarding the XXXX   XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( MGA ) claiming In  owed about {$20000.00} in educational debt. As a result of these letters and this company hovering into my credit reports, I scheduled them in my Chapter XXXX bankruptcy. Later, I learned that neither this company nor their attorney were licensed to practice law or collect debt in Michigan. I also learned that Michigan Department of Education does not farm out its collection. To add " fuel to the fire '' of this fraud, the Attorney General of Michigan filed in his Brief in a Motion to Dismiss that I owed nothing to Michigan, and that even if Michigan were allowed to make a claim it would not have done so. Later, another law firm ( hired by XXXX also of MN in MI ) appeared to front or cover for the legal status of XXXX and its out-of-state attorney to participate in the adversary proceeding stemming from this debt. As such, it appears this XXXX XXXX XXXX XXXX 's law firm in MI was knowingly trying to make this debt valid so as to use XXXX XXXX documentation as its own. This is massive fraud! Now I am still working through this by obtaining the 100-page PDF on AA and its license history. The XXXX XXXX   XXXX listed a XXXX, MI, ( XXXX it ) address as the headquarters of XXXX. Also that is also the mailing address on the statements that XXXX mailed to me. Additionally, I spoke to their Chief Legal Counsel and Chief Compliance Officer, XXXX XXXX XXXX of California, when he was in New York, Summer XX/XX/2017, about who could receive legal service of the second summons and complaint in MI. The Bankruptcy Court required that an officer of the company be served. He gave me a bogus address. So his affiliation with the parent  companym, XXXX, may also be at issue here. I filed a formal complaint with the Michigan licensing authorities, because I have to undo what damage their false documentation as a " servicer '' has done. They were not a servicer. They were a third-party out-of-state unlicensed-in-Michigan debt collector, pretending they had the full weight and authority of Michigan behind their collection efforts. This is very serious. The XXXX. attorneys are calling themselves a " substitute guarantor '' when they too are merely a third-party debt collector. Neither has standing. Neither was contracted by Michigan. Reading the papers filed, it would seem as if Michigan itself is confused, because their own attorney general conflicts with the letter submitted by XXXX. 's attorney to the court, as as assignment, with a redacted copy of a fake document that once belonged to Allied Interstate. Jail seems appropriate for all of them. I hope the authorities agree.
Consumer complaint received 2021-04-24
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: BARCLAYS BANK DELAWARE (TN)

I was sick with covid in XXXX and tried to contact the Barclay to let them know I needed to be in a hardship plan or cares act and could not get enroleld. I would like this late payment removed. I have a Visa Black hard and XXXX  rewards card. they reported them both as 30 days late.
Consumer complaint received 2021-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA (FL)

Hello, My name is XXXX XXXX and my complaint is regarding a car that I have leased for four years from Hyundai/Kia. At the end of the lease term I was sent a bill in the amount of {$2500.00} which I paid onXX/XX/2021. Shortly thereafter I made that payment and received confirmation that from my bank that the payment was withdrawn from my account. The representative from Kia Finance made me aware that my account would be credited that same day and that I would received a satisfaction letter in the mail. The following weeks continued to received late notices from Kia indicating that I have missed a few payments even though I paid my balance as a result my account was reported as delinquent and late! which has cause my credit score to decrease dramatically! I spoke to a representative with Kia Finance whose name was XXXX on XX/XX/2021 - he advised me there an error made on their end when they took my payment for XXXX. The error was that they posted my payment and credited it to another customer 's account instead of mine. They offered a resolution to remove the derogatory mark from my credit report and properly credit my account with the XXXX payment that I made to them. I was promised a phone call however I haven't heard from anyone. I need your help to hold this institution accountable for messaging up my credit rating! 

This is joint account with my mother XXXX XXXX XXXX whose credit was also Impacted. 

The creditor is Kia Finance Address : XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-01-05
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. (FL)

This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.