davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AL)

This dispute is for an overcharge by XXXX. 

I bought a XXXX XXXX  for {$320.00} on Wayfair order XXXX. I had {$230.00} in rewards points/credits on my Wayfair account from my Wayfair/Citibank credit card XXXX So during check out, I applied the {$230.00} points to the {$320.00} item which would be {$97.00} total plus tax ( 8 % is {$7.00} ) on the {$97.00} = {$100.00}. This is what I authorized to be charged on my card XXXX XXXX credit card during check out which is what i used to pay the difference. 

However, I find today that Wayfair charged {$350.00} ( {$320.00} plus tax ) to my XXXX XXXX card and did not apply the {$230.00} in rewards/credit as it was when I checked out during the purchase. I have been over charged {$250.00} because they refuse to apply my Wayfair points. 

I have also advised XXXX that I am unable to use any points during check out and there is something wrong with my account. My pleas to resolve this go unanswered. 

I called Wayfair customer service line at XXXX who told me that they could not help me and that my account would be handled by the " XXXX XXXX XXXX ''. I asked that the XXXX XXXX XXXX call me due to my XXXX in accordance with the Americans with XXXX XXXX. Instead someone by the name of XXXX XXXX from Wayfair started to email me and refused to apply the Wayfair points/credits in my account giving no reason why. They asked for documents showing the points on my XXXX account and I gave them the same as I am giving you here. XXXX XXXX just closed the case and did nothing to fix the overcharge or apply the Wayfair points. I spent four hours on the phone and in emails with Wayfair and they refused to correct the overcharge. 

I did NOT agree to the {$350.00} charge on my XXXX XXXX credit card, it just showed up on my XXXX account today. The correct amount I was to be charged for this item was {$100.00} NOT {$350.00}. 

Not being able to use my Wayfair credit card rewards is a violation of the terms and agreement of the Wayfair credit card issued by Citibank N.A.
Consumer complaint received 2022-05-05
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. (NC)

An account was open into my name and when contacted the merchant they told me i am responsible for the account without no proof of the account being mine. They also reported it on my report which is tremendously impacting my score. I need them to remove it if they have no proof that the debt belongs to me.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (OH)

My payment due date on this vehicle purchased through Ally Auto XXXX  was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.
Consumer complaint received 2017-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WA)

loan servicer is VERY unhelpful for very simple customer services issues for military service member : 1-payments made toward PSLF are not updated and require many many emails or calls to update. 
2-Income driven repayment recalculations due to changes in income are not properly vetted and despite submitting tax returns and XXXX 's they do not make the changes. 
3-employment recertification is PAINFUL every year. i am in the military on XXXX XXXX but every single year my recertification is denied, rejected, or needs to be re-submitted for one reason or another. 

please help servicemembers receive better support!
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

On XX/XX/2022 my home was destroyed by a XXXX. The insurance company paid me for the limit of the coverage and made out a check to me and the mortgage company- LoanCare. I called LoanCare and followed their instructions exactly to send the check by regular mail and unendorsed to their insurance claim check processing center and that they would send it back to me endorsed. As instructed, I included a letter stating that I wanted to pay off the mortgage with the check and with the remainder being returned to me. I mailed the check on XX/XX/2022, and on XX/XX/2022, I called the processing center to get an update on the status of my check. I was told that they did not have any record of the check and blamed me for not calling the processing center and setting up an " account '' with them before I mailed the check- a process that I was not informed about during the instructions I received. I asked the processing center to search for the check and on XX/XX/2022, I received a call back asking me for more details on when I sent the check and to what address- which I was informed I did send it to the correct address. I do not believe for a minute that there is anything wrong with the postal delivery and after XXXX hours from our last conversation, they still do not have a record of my check. This is either a deliberate stalling process to change the status of my loan or incompetence on a level that I have never seen before in a business environment.
Consumer complaint received 2022-05-05
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the XXXX.
Consumer complaint received 2022-05-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: C B Merchant Services (CA)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I received a phone call from this Debt collector claiming that I have and outstanding debt, I received the same calls from a different last year, but with different phone numbers, on XX/XX/XXXX, The first message I received on my Landline, The message said this was for me, and the person leaving the message did not Identify where he was calling from, he left a message saying : We would love to bring your account current. Take advantage of the Clients 50 % your balance today. This message was received on XX/XX/XXXX @ XXXX and XXXX XXXX. The other messages were left on my Cell phone, It was a Lady calling from CB MERCHANT SERVICES. She didn't say who she was asking for. Just left a message this is from a Debt Collector, and to call XXXX or XXXX. How do I know if the person calling me is same person from the Debt collect she saying she's calling from. This is HARRASSMENT! I want this to stop. I don't have any outstanding debt. I haven't received any letters, so I know this is a SCAM I will not contact them. Why are they contacting me again after a year?
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WA)

I ran up a large XXXX Debt with Wells Fargo around XXXX, {$25000.00}. I also had some loans. In XXXX I went through a 3rd party debt resolution company, XXXX XXXX XXXX to work out a payment plan. The loans were not paid in full, but charged off. Wells Fargo wanted the XXXX paid in full. I did do that and the last payment was in XXXX XXXX. In XXXX XXXX, Wells Fargo sent me a confirmation letter that the debt was resolved and my acct was closed. I waited for this to be removed from my credit report for about 6 months. I made several phone calls to Wells Fargo, sometimes hearing a sympathetic voice and a promise to do something, sometimes the customer service people would be very rude. I was told that a resolution is equal to a charge off and " Wells Fargo can leave this as is as long as they want '' I tried using a company called XXXX XXXX with no results on this particular issue. Wells Fargo has told me they are leaving {$40.00} owed on my account, but the account is closed so I ca n't pay it. My credit report shows months of " failure to pay '' on this account. 
I 'm confused about why they 're doing this. They did try to file a judgment, but that was held off with the agreement to pay in full in place through XXXX XXXX. The Judgment was filed with XXXX XXXX XXXX Court. I believe XXXX has removed the judgment, I 'm not sure about the other XXXX. 
The payment company " go between '' for Wells Fargo and I was XXXX XXXX XXXX.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: McCarthy, Burgess & Wolff, Inc. (CA)

I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago.
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

NATIONAL CREDIT ADJUSTERS is actively/fraudulently reporting to XXXX  & the credit agencies a debt that I do not owe. NATIONAL CREDIT ADJUSTERS purchased a CLOSED collection account from XXXX XXXX. XXXX XXXX reported the closed account balance as {$1500.00} before selling/ transferring the account to NATIONAL CREDIT ADJUSTERS ... NATIONAL CREDIT ADJUSTERS has now duplicated the original CLOSED XXXX XXXX ACCOUNT # XXXX And reported this 5 year old closed duplicated XXXX XXXX account to XXXX  as a new/recent collection account. This is a blatant credit reporting of misinformation. NATIONAL CREDIT ADJUSTERS is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. NATIONAL CREDIT ADJUSTERS REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. NATIONAL CREDIT ADJUSTERS RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. NATIONAL CREDIT ADJUSTERS PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow NATIONAL CREDIT ADJUSTERS to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from NATIONAL CREDIT ADJUSTERS. I will pursue my rights to hold NATIONAL CREDIT ADJUSTERS accountable for the companies deceptive malicious tactics.
Consumer complaint received 2023-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

Attempting to collect a debt that has not been validated and they are in violation of Texas Finance Code 392.101 Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

I have also filed a complaint with the State Attorney General 's Office.
Consumer complaint received 2022-05-05
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. (CO)

I learned my information was involved in a data breach. I refinanced with a company last yeand he last year and I noticed a drop on my credit report of points. When I reach out to the lender of XXXX XXXX XXXX they stated that someone has submitted a payoff request for my mortgage however this is something that I did not authorize. I reached out to the company several times and they still have not changed my phone number or my email address or my contact information and they are trying to sell my mortgage out from underneath me. They are committing friar. I have reached out to the social security office the police authorities the federal trade commission the FBI and I am at a loss what to do from here because I am being ignored Please reach out to XXXX.
Consumer complaint received 2022-05-05
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. (LA)

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to XXXX, Equifax and XXXX about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, XXXX will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. Additionally, there is discrepancies on the late payment dates and the dates shown on my credit report. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (VA)

Submitted an online dispute with Equifax on XX/XX/2017 because of inaccuracies I discovered on my credit report ( Report # XXXX ). Following submitting the online dispute I received the confirmation number : XXXX and an estimated completion date of XX/XX/2017 ... ..It is now XX/XX/2017 and the investigation status still says " Pending '' and is well beyond the XXXX day time frame the FCRA allows them to complete their investigation. By continuing to report unverifiable information, Equifax is blatantly violating the FCRA.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I tried to deposit a check with my phone that my sister in law signed over to me and my account was restricted and all of my funds held because they thought it was fraud. I went into the branch with my sister in law and two forms of id like they requested and my funds are still being held!!
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P. (NY)

I began taking control of my financial matters and pulled my credit report. After careful review it was determined that I had been a victim of identity theft. Listed on my report was a collection charge in the amount of {$1700.00}. Immediately I contacted XXXX to inquire about the said charges and any details that could be shared. As it turns out I 've never lived in the state of CT at anytime in my life at either address that XXXX csr provided. Secondly I contacted the credit collection agency as well, informing them of the fraudulent activity. The collection agency indicated the would send a investigative packet out to me to complete. I did offer them a copy of my lease which clearly indicates my residence for the ladt 8 years.
Consumer complaint received 2015-09-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (WI)

PNC Bank withdraw slips read : I, XXXX The undersigned XXXX, do hereby acknowledge receipt of $ XXXX Amount XXXX however they are requiring this form to be signed in advance, without receiving the funds, before they will transfer or relinquish the funds from my account. I refuse to sign for money I have not received yet as long as the verbiage stands, and the bank refuses to change the funds to a non past tense statement. 
I would be fine signing a withdraw document that had better verbiage, or signing in after actual receipt of funds. But in the current form it produces a legal liability and I refuse to perjure myself just to access my bank account.
Consumer complaint received 2022-08-04
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00}
Consumer complaint received 2017-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (CA)

I cancelled internet service with XXXX XXXX XXXX. Per their own instructions and mailing label they provided via email, I returned the router as requested. Per the tracking number from said mailing label, it shows when I mailed back the router to XXXX XXXX XXXX. XXXX XXXX XXXX kept billing me for the router in the amount of $ XXXX but whenever I called XXXX & XXXX to advise that I had already mailed back the router, the representative would not assist with closing the account properly. XXXX XXXX XXXX now sent the amount to collections. I responded to the collection company with a copy of the print out from the U.S. Postal service showing that the router had been mailed back. The collection company is now claiming that through their " investigation '' that I still owe the claimed amount. This has also been reported to credit reporting agencies that I am in collections which resulted in loan applications being declined.
Consumer complaint received 2016-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (TX)

I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you