davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/XXXX, per a court order, I have been paying on two accounts from Barclay Bank Delaware to XXXX XXXX, Attorneys at Law. I have not missed a payment, and account ending with XXXX is almost paid off. On all of my credit reports, the two Barclay Bank Delaware accounts show " Charged Off. '' Both accounts are current, and I have tried calling XXXX and each of the reporting bureaus to get their reporting on my credit updated, but have had no luck. I have filed several appeals to each of the credit bureaus, and their lackluster investigations always favors Barclay Bank Delaware. I have contacted XXXX XXXX as early as today, XX/XX/XXXX, and they informed me that they collect the money, and that reporting on the bureaus is up to Barclays Bank Delaware. Since the beginning of this, Barclays Bank Delaware has not been reporting to the credit bureaus accurately, and even now, with almost one of the accounts fully paid off, I still can not get them, or the bureaus, to report these accounts accurately. With the exception of obtaining an attorney, I have exhausted all measures to rectify this situation, and now request your assistance in order to get my credit report updated with the correct and accurate information. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-10-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NY)

I was solicitated from a company representing XXXX  who was fronting for a loan from wells fargo for a ppp loan. I was collecting unemployment insurance actually XXXX since i had XXXX XXXX. I was not told that you can't double dip ( collecting a ppp loan and pua ) so after research i decided i didn't want the loan and notified all parties in involved. They processed the loan without my permission and on XX/XX/2020 i waited online at XXXX for hours ( they were letting in one person at a time ) and wired transferred the entire amount plus {$30.00} for the wire fee back to them. see attached. to this day i'm still getting emails to apply for loan forgiveness. wells fargo not only doesn't acknowledge receipt they are screwing up my credit doing so. I have all parties no less than 15 times each without any success. My loan is still outstanding over a year later even though the money was wired and received. Please help. I've gotten nowhere
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (IN)

As stated on prior complaint I need natural disaster removed from the credit report regarding my property which has not been involved in any natural disaster. Per your response you stated this is per the banks discretion however XXXX XXXX XXXX stated that is incorrect because they do not have the property declared in any sort of natural disaster regardless of any other properties that may have been involved in a natural disaster any time this year with in XXXX County Indiana. Myself an American family are now asking that the comment declared as natural disaster which is incorrect and false information regarding my property now be properly removed. 

Your company States this is to help protect consumers from late payments however this does not apply to me because my property has never been affected by any natural disaster this is also being taken to the next level with a third party government official. Myself and many others do not understand why the continued issues with your bank have yet to be resolved going on almost 18 months now it is making me impossible to refinance and sell my home is the next step to file a lawsuit as many consumers have done over the years most recently over the past two years with Nationstar mr. Cooper XXXX? 

at the credit grantors discretion, a special comment code noting the account as potentially affected by natural or declared disaster can be reported with the accounts history. The code is added to all mortgaged properties within the declared disaster area and does not definitively declare that the property sustained damage. The comment is designed to protect consumers from the potential negative impact associated with a late payment associated with the declared disaster.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FlexShopper, Inc (NM)

Received a call from XXXX that was related to claim # XXXX that was being filed in XXXX XXXX Texas. This was relating to an account from 2017 and this is the first communication i have received from them. The message left on my phone was threatening to contact my employer and supervisor directly to discuss this. I called the # and spoke with them and they said they wanted immediate payment of {$1000.00} to settle or they would proceed with contacting employer. I told them I disputed debt and it was settled in 2017 and they are to stop all communication and also they would violate federal law if they contacted my employer. They didnt care and would not share the name of the company she was calling me from.
Consumer complaint received 2021-01-29
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 (NC)

I purchased a cell phone through XXXX XXXX XXXX through Synchrony Bank. The intent was of course to pay the phone off in incremental payments each month as described when I applied for the financing. I set up auto-pay to be directed to the " monthly statement. '' Synchrony Bank then decided that my monthly statement should be my total account balance and charged me for the full value of the phone in one bill, not the incremental payment that was agreed upon when financing was established. It is now requesting that I provide a paper form through the mail for a billing disupte and it will return my funds in a month ( far too long ). It misrepresented its payment system and was quite frankly fraudulent in doing so.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

on XX/XX/XXXX XXXX, someone by the name of XXXX XXXX took at XXXX, from a XXXX  account in my name, i dont know who this was, it was stolen from my account, .I told the bank about it, they investigated and said theres nothing they can do. capital one 360 checking account
Consumer complaint received 2020-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (AZ)

Hello, The collection account submitted by XXXX XXXX XXXX/Perfection Collection Collections in the amount of {$1100.00} is not my account, it belonged to my ex husband. I requested this company to validate this debt and the company sent me information reflecting that the account was delinquent in XX/XX/XXXX and written off in XX/XX/XXXX, NO signed contract exists for this account. The Customer billing history submitted reflects the first delinquent balance in XX/XX/XXXX and the account being written off in XXXX, not XXXX as they are reporting on my file. With the dates on the billing history it appears it is at least XXXX years old. They also are unable to provide a signed contract to validate this debt is in fact mine. 

This seems to be false representation and they are trying to use scare tactics to get me to pay an extremely out dated account that belonged to my ex spouse.
Consumer complaint received 2021-11-29
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. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROBINHOOD MARKETS INC. (MO)

I HAD an app Robinhood on my phone to transfer money I had my bank listed n someone got into my account n transferred money out without my authorization!!!!! It wasn't taken from my bank it was just from my Robinhood account {$190.00}!
Consumer complaint received 2020-01-23
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. (GA)

First off your a bunch of lousy discriminating XXXX XXXX Now say you can't handle this one Equifax and XXXX are falsely reporting that my car is delinquent with a balance of XXXX. I paid my car off nearly 2 years ago. I have forwarded documentation and the dealership as well a 2nd time. I have been penalized for their deliberation neglect I filed a dispute over a month ago and they refuse to correct my report
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland Credit Management will not validate the debt with original documentation and Midland Credit Management keeps pulling my credit and stating they are an original creditor, they also sued me in the wrong jurisdiction and the case was dismissed.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XXXX - Requested original lease agreement. Agent says this can not be released. 

XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.
Consumer complaint received 2018-09-13
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. (SD)

We started our lease with XXXX XXXX XXXX in XX/XX/XXXX on a XXXX XXXX XXXX. Initially, their promotion was that XXXX will make our first payment, so when the payment invoice for XX/XX/XXXX showed up, we contacted XXXX to make sure they would make the first payment. XXXX claimed that they already made the first payment when we took delivery of the vehicle in late XX/XX/XXXX, but no record exists of them making any payment. Our recent credit report shows our payments over 30 days old, which is not true. We printed off the entire payment history and none of our payments have been over 30 days late. We discussed that with XXXX XXXX XXXX ( they have documented comments ) and they reversed a {$34.00} Late Fee and agreed to update our payment history to show NO delinquent ( over 30 days ) payments. That has not happened yet. Our normal payment date is the XX/XX/XXXX and payments started XX/XX/XXXX ( assuming XXXX made the first payment in XX/XX/XXXX ). We want our payment history to be clear with no late payments over 30 days with XXXX as they promised during our phone conversation XX/XX/XXXX. Can you help us correct this with XXXX? Thank you.
Consumer complaint received 2021-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

On XX/XX/2021, I received a letter from FedLoan Servicing dated XX/XX/2021 stating that my request for direct debit has been approved. In the letter ( which is attached to this complaint as XXXXXXXX ), there was a column referencing funding account that I was not able to understand. This column has 2 numbers and I do not know what those numbers mean. I am unable to determine whether this means my bank account is correctly set up for Direct Debit or not. I attempted to call and email FedLoan Servicing to no avail. I have attached a copy of the email I sent on XX/XX/2021, which is entitled FedLoan call about funding account.rtf.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (AZ)

XXXX XXXX, with Patenaude & Felix, PC, representing XXXX, is refusing to provide a letter stating I have paid my account in full. He stated it is not their obligation to provide this letter. It is up to their client. However, their client, XXXX, refuses to give me a letter. They have received their money.
Consumer complaint received 2021-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

Date of transfer was XX/XX/XXXX and promised to be there XXXX XXXX 2021 still as of today XXXX XXXX 2021 still no funds available company name is Venmo App Chat Sounds like scam
Consumer complaint received 2021-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc (GA)

I have a small business and an 11 year relationship with PayPal for XXXX XXXX XXXX. They have a company call XXXX XXXX  or XXXX loans that they say is now owned by PayPal. 
They supplied me with a XXXX loan and I have been paying it off without issue every week with XXXX increments. I was getting down to the end of my loan and I applied to see if I could get a small increase, due to COVID and Pandemic issues my business is not back as we service XXXX XXXX XXXX around the US with XXXX XXXX XXXX Reps. 

If order to get you to send over all of your personal documents, they bait you into saying you are approved, for {$20000.00} they were going to provide the final pay off of my loan of XXXX and then provide remaining XXXX or so as I opted for XXXX as I never take on more than I need. 
I sent in my documents and then they turned me down due to my business obviously being still down but on it way back up when XXXX XXXX XXXX start in May of XXXX 
There are a large number of comments from others on their website who experienced the same thing.
Consumer complaint received 2021-01-29
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)

XXXX XXXX XXXX is reporting to my credit. They have be asked several times to furnish via FTC and myself to provide documentation they have not complied with this lawful order. The company is in violation of Unfair deceptive debt collection practices for failure to comply with the FTC notice to furnish and continuing to report to all three credit bureaus and will not supply the documents requested. Per FTC regulations they have 30days to supply documentation they refuse. Company was notified of identity theft XXXX/2020. This is not a duplicate complaint this company continues to report resulting in valid use of the CFPB processes.
Consumer complaint received 2018-02-08
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

Debt Collector : Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX I contacted Conserve on XX/XX/XXXX, upon receipt of a letter dated XX/XX/XXXX in reference to a student loan debt. I spoke with " XXXX '' and then later asked to speak with her supervisor and was transferred to " XXXX XXXX ''. I told her that I was calling to make payment arrangements to resolve the debt and to prevent further damage from my credit I told her that I am XXXX years old, a XXXX XXXX XXXX XXXX working a part time job earning just over minimum wage. I do not have any savings and as such, proposed a payment plan of {$25.00} per month. XXXX XXXX told me none of the details of my circumstance matter in that the minimum payment they will accept is {$50.00} per month. 

Then I asked to confirm that Conserve would agree to refrain from reporting any further delinquent notices to the credit agencies as long as I made each monthly payment on time as agreed until paid in full - she refused to agree.and told me " the only way '' she can tell me they will refrain from reporting me to the credit bureaus is IF I paid the total amount in full by XX/XX/XXXX. 

It is unfair and unethical business practice for Conserve to not attempt to work with me regarding the monthly payment amount, to threaten to report me to the credit bureaus if I do not pay the full amount by XX/XX/XXXX,  and to refuse to refrain from reporting me to the credit bureaus while I am in a repayment plan and in good standing. 

The original debt amount shows {$220.00}. 

Conserve is attempting to collect an additional " CREDITOR ASSESSED COLL COSTS '' in the amount of {$67.00} for a total of {$290.00}. 

Conserve is not licensed to collect said debt in the state of Florida.
Consumer complaint received 2021-01-29
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: BARCLAYS BANK DELAWARE (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, BARCLAYS BANK DELAWARE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
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 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I simply can not comprehend how Equifax punishes someone for doing the right thing. Recently, I paid off a credit card, and also paid 3 XXXX XXXX XXXX off for less than the actual amount owed, freeing up over {$15000.00} of debt. A reasonable person with common sense would naturally think by doing the right thing, their credit score would increase, but with Equifax, I lost a lot of points. I understand a person losing points for not paying their bills on time, as well as using a form of credit line, but it doesn't make any sense at all for the person to have further points deducted for doing the right thing. I have tried to speak with someone at Equifax concerning this, but good luck speaking to an actual person. Not only is their customer service pathetic, but it also seems so is their grading structure. Based on my experiences with Equifax, there simply isn't no way for me to increase my score when everything I do that is considered to be right, I get punished by having more points deducted. Someone, or an agency, needs to step in and make the necessary changes so that people like me, who are trying to do the right thing, doesn't get punished for doing so!
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

Chase negligently merged my savings, checking and morgage account with multiple fradulant accounts with another person or persons fraudulently impersonating as me! Although those other XXXX XXXX, California, NY, NJ and CT use either no social security number, an EIN number or another fradulant social security number, they are all under MY PROFILE. I have begged CHASE via phone and in person to separate me from this money laudering, they refuse. I want proof in writing ALL these fradulant accounts are closed AND I want proof my morgage account was CLOSED. I have proof it was paid in full but nothing stating it was closed. Chase has ignored both requests
Consumer complaint received 2021-10-07
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. (MA)

XXXX, XXXX, Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Inconsistent reporting by XXXX, XXXX, Equifax.