davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (KS)

My loans went into default with the Department of Education. TransWorld began a garnishment on my checks. THis garnishment continued for 3 years until I set up a rehabilitation contract with them. For 6 months I was to pay an extra XXXX a month along with the garnishment of XXXX. Once these 6 months were over, they would stop the garnishments. XX/XX/XXXX should have been the final garnishment from my checks. However, the garnishments have continued. I have attempted to call the Department of Education but their automated system gives me the number to call TransWorld since my loans are in collections. I call TransWorld and get a recording that they are no longer running due to the federal govertnment filing a lawsuit against them. Not only did I complete my rehabilitation promise, I have also consolidated all my student loans with XXXX. My first payment with XXXX is due this month but I am unable to pay it because my check is still being garnished. I have done what I need to do to no avail. Where is this money from my check going? I have all my loans in one place and the payment did not go there. How do I get this stopped and get my money put on my real student loans?
Consumer complaint received 2020-11-27
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. (NJ)

I have a collection with XXXX  XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX  to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both XXXX  AND this credit bureau with regard to following the FCRA guidelines.
Consumer complaint received 2020-08-28
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. (FL)

HARD INQUIRIES : XXXX XXXX XXXX ) 3 ACCOUNTS SHOW THAT THEY ARE CLOSED BUT STILL SHOWS A BALANCE OWED. ( THERE IS NO BALANCE DUE ) EQUIFAX MORTGAGE SERVICES ( NEVER APPLIED FOR A LOAN ) ************************************************************************************** ADDRESS ON CREDIT REPORT : NEVER LIVED THERE : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX NAME ON CREDIT REPORT NOT MY NAME : XXXX XXXX XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (VA)

My Ex-wife, XXXX XXXX XXXX ( XXXX XXXX ) took out a student loan in XXXX to attend college during our marriage. I co-signed for that loan with Wells Fargo XXXX XXXX XXXX. In XXXX we divorced, and as part of that divorce decree she was to assume 100 % of her student debt. She has no paid the debt and let it lapse. Wells Fargo continued to harrass me for years even after I told them I am no longer legally obligated. The debt has since been charged off and the credit bureaus cant remove it. I have asked Wells Fargo to take my name off of it but they refuse to.
Consumer complaint received 2020-09-11
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: EQUIFAX, INC. (LA)

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MI)

Affirm lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX  out after the disputes, which I confirmed via a phone representative at Affirm on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with Affirm. However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XX/XX/XXXX out/cancelled due to the disputes, and there was a XXXX  balance. But Affirm continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. There is a third installment loan of {$40.00} on my credit report from Affirm. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. Affirm continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. The screenshots I have attached show I owe XXXX, and I have paid XXXX, as the loan amounts were either disputed and then refunded, or refunded directly by the merchant. The other screenshots show how Affirm has incorrectly reported these balances on my credit report. These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/18, I purchased XXXX of Ethereum from Coinbase for {$15000.00}, including their fee. I used a new account with XXXX XXXX that they had already verified using small test transactions. Several days later, when profit of over {$5000.00} was assured, they reversed the transaction, instead of delivering the above shares to my account. Their excuse was that XXXX XXXX, who they had already verified, reversed the charge. Instead of charging a different account for the shares, they simply kept these profits for themselves. In their email about the reversal, they even acknowledge their ability to deliver shares not paid for yet, giving them the obvious option to have delivered the shares to me if the trade were not profitable ( and holding me accountable for order amount rather than their taking the loss ). This reeks of double dealing and I insist they put the original transaction through with the other linked account I have on record with them ( XXXX XXXX XXXX ).
Consumer complaint received 2019-06-02
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: SYNCHRONY FINANCIAL (AL)

On XX/XX/2019 received an alert from XXXX via XXXX XXXX there was an inquiry on my report from " syncbpaypal ''. I checked XXXX and there had been an inquiry listed XX/XX/2019. I have made no such request. I tried contacting the number listed for PayPal ( XXXX ). In order to get connected enter acct nor or phone nor. It didn't recognize phone and I don't have acct nor. I then established an account via the web site in order to speak to someone. The only way was through the chat, only information I passed was my name. However they were unable to help. Although this may not help now but I did place a fraud alert on my credit report via XXXX which I understand will be passed to the other two reporting agencies. Please advise.
Consumer complaint received 2019-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo home mortgage has forced insurance and escrow multiple times claiming they dont have proof of insurance. Every department Im sent to has a different story. I paid a large sum inXX/XX/2018  to get out of foreclosure and Wells Fargo owes me {$1900.00} for overpayment. They have done the same thing again however acknowledging my insurance but will not adjust my payments and are holding an additional {$2100.00} overage in escrow. They are threatening foreclosure and sent a refund check of over {$800.00} for misappropriated funds.
Consumer complaint received 2019-06-01
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: CITIBANK, N.A. (FL)

Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX  and XXXX from a unknown companies such as XXXX XXXX XXXX, Citi Cards CBNA, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Consumer complaint received 2021-11-03
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to sumbit a complaint I have completed the report and have attached my documents for proof of ID. I am deeply affected by reporting of these accounts that don`t belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

I opened a savings promotion with Citi Bank and used a promotion which said that {$400.00} will be credited if i meet the criteria of maintaining a balance of {$15000.00}. Account was opened on XX/XX/2020 and said amount was deposited initially. I used the chat service, and customer care and was told that i met all the conditions and the amount will be credited first on XX/XX/XXXX, then XXXX XXXX and finally they opened the case. I was told that the case will be resolved on XXXX XXXXXXXX, then XXXX XXXX and again on XXXX XXXX. Finally on XXXX XXXX, i was told that case officer checked and mentioned that wrong promotion code has been applied. They are not giving the promised promotion amount and are coming up with false excuses every time.
Consumer complaint received 2021-04-28
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. (FL)

I have sent several dispute letters trying to get this issue resolve but Equifax continues to verify the information and still inaccurate affecting the accuracy and integrity of my credit profile. After further review it has been determined that their Metro 2 Format is not up to compliance as required to report under the FCRA and not following the required guidelines by the XXXX XXXX XXXX XXXX. 

1. XXXX XXXX XXXX XXXX Dispute sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax Validation letter sent to XXXX XXXX  for information on this account and they have failed to response Sent on XX/XX/XXXX delivered on XX/XX/XXXX A response was provided on XX/XX/XXXX saying with a summary and saying I must response within 30 days to or they will assume the debt is valid. When it was already being asked for in the first letter sent to them on XX/XX/XXXX. Also got a letter from XXXX and XXXX XXXX XXXX for the same Debt. Which why would two people have this account as a Collection account. 

Have you verified that this company is reporting my full legal name, date of birth and full social security as required in the FCRA and XXXX. 

Account type, account status and portfolio type is inaccurate. Reporting as a credit account which is a violation Deleted this erroneous account immediately Not reporting the original creditor name and creditor classification in the as required under the CDIA K1 segment Field 2 and Field 3 2. BANKRUPTCY XXXX Multiple requests have been sent directly to the third XXXX XXXX XXXX who the credit bureaus state is reporting this account. 

XXXX is unable to provide me with the information that is being reported. 

Letter was also provided directly from the Bankruptcy Court advising that they do not verify information with the credit reporting agencies. So who and where is this information coming from? 

Compliance condition codes Consumer disputes - reinvestigation in progress and has not change for over 30  days which is a clear indication that there that it is unverified This account is unverifiable and must be deleted XXXX. XXXX XXXX Payment history profile is incomplete and missing the actual payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after your investigation, therefore the payment rating of 30 days late is unverifiable. Please delete the 30 days late payment on this account immediately
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XXXX I, XXXX XXXX sent a Identity theft report letter regarding inaccurate and unknown things on my credit report. I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. It has been well over 4 days, so they should be block and deleted promptly. 

I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 I was hacked, a victim of bank fraud. A woman took over my computer and transferred money ( 4 ) XXXX XXXX XXXX and a wireless transfer from my checking account ending in XXXX from my Citibank Checking account. The amount of money withdrawn was {$11000.00}. 

I immediately recognized the transaction ( COMPLETED WITHOUT MY AUTHORIZATION ) meaning I RECEIVED NO SECURITY ALERTS. The thief was also trying to withdraw funds from my XXXX account at the same time in which I received a TEXT MESSAGE from XXXX asking if I authorized this transaction. I immediately replied " NO '' and the transaction was CANCELLED. I have documentation to prove this. 
I immediately called Citibank Fraud Detection Unit, was transferred around to several different people, spent over 2 hours on the phone with them trying to recover my money. The Fraud Unit told me the 4 XXXX funds were ( a total of {$1900.00}, one for {$490.00}, {$490.00}, {$480.00}, and {$450.00} ) the wireless transfer was {$9900.00} + {$25.00} service charge ) were gone and couldnt trace them to anywhere. A few weeks later Citibank did return the wireless transfer but I am still fighting with them to get the {$1900.00} returned ( The 4 XXXX transfers ). Mind you, the wireless and XXXX transfers were all done at the same time on XXXX/XXXX/2020. They are telling me in 2 letters I received that the XXXX transfers were AUTHORIZED PAYMENTS and will not return the money. I don't understand HOW THEY DON'T SEE THIS? I NEED HELP WITH GETTING MY MONEY RETURNED. I HAVE THE XXXX POLICE WORKING ON THIS CASE # XXXX AND THERE IS CURRENTLY A COURT ORDER IN WITH CITIBANK LEGAL DEPT DATED XX/XX/2020  BY THE XXXX POLICE BUT NOTHING IS MOVING FORWARD. I NEED HELP WITH THIS!! PLEASE. NO BANK SHOULD BE ABLE TO GET AWAY WITH THIS.
Consumer complaint received 2019-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (OR)

I paid XXXX in XX/XX/2018 {$240.00}. XXXX accepted payment, then I received a collection notice from Professional Credit and promptly advised them this was already paid. Now I am in contract on a home, and being denied a home loan due to this collection. I have made several requests to Professional Credit to show this as paid and remove the item from my credit with no action on their part to resolve this.
Consumer complaint received 2019-06-02
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. (OH)

My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-11-27
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: Westlake Services, LLC (CA)

On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX  ( the report does not include information about the creditor ) and XXXX. 
On XX/XX/2020, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (GA)

Ive tried on several occasions to let XXXX XXXX ( {$860.00} ) and Monroe and Main ( {$1300.00} ) know that 2 credit cards were open using my social ( NOT MY NAME ) was not me! Ive tried to dispute the items but they keep saying they are mine. The persons name is similar to mine but its not mine. I feel that I shouldnt have to pay someone elses debt. I made a complaint and sent out letters from the identity theft.com website on XX/XX/2021. They still feel as if these were my accounts. They are NOT! It is their job to do their due diligence before giving credit cards to people because things like this could happen.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.
Consumer complaint received 2019-03-10
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: PNC Bank N.A. (NJ)

I tried trial wine offer from XXXX XXXX XXXX. I did not like the wine so I notified that I wanted to cancel the membership and the future shipment before the shipment was shipped. XXXX XXXX XXXX shipped the wine to me in light of my cancelation and charged my credit card. I did not receive the wine since I was not at home to receive it and I informed XXXX  that I did not order the wine. The wine was returned to the shipper. 

XXXX XXXX refused to refund me. I spoke to an associate of PNC bank and informed PNC bank, the issuer of my credit card that I did not order the wine nor did I receive the wine. I further informed PNC bank that i wanted to dispute the charge. I was issued full credit. XXXX XXXX insisted on charging me {$20.00} for the return of the wine. I told XXXX XXXX that I was not informed the {$20.00} charge for the return wine when I joined the membership. Furthermore, I told XXXX XXXX that I cancelled the membership several days before the shipment was sent out. It was XXXX XXXX who shipped out the wine without my ordering. Then, without any contact or explanation from PNC bank, the XXXX XXXX XXXX charged me again for the wine I didn't receive.