davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

ARS ACCOUNT RESOLUTION Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before ARS ACCOUNT RESOLUTION S Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$660.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$660.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$660.00} Balance Updated XX/XX/XXXX This is a bill when i was involved in a car wreck all parties and my attorney involved in this was suppose to have this resolve have try numerous times contacting them This was not left up to my debt i have explain and talk to this bill collector they constantly gives me the run around and in direct numerous my attorney also should have reach out to them but they constantly reports it after speaking with XXXX she said due to privacy she couldnt provide her badge information that it should not be reporting after 2 years its still reporting to my credit as i owe they should have received they money from the other parties involved in the auto mobile accident
Consumer complaint received 2022-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NY)

Exeter Finance has reported 16 late payments along with charging a late fee when I have been paying on time since XXXX XXXX XXXX. Ive reached via email as well as by telephone and every time I ask to the rep to speak a Supervisor they say the supervisor is busy or state they cant hear me during the telephone conversation. The late payments stem from payment extension arrangements that send the car note to the back of the auto loan which in return should not report the loan as late. I do have paperwork supporting it should you need more I will be able to provide such.
Consumer complaint received 2022-09-09
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I mainly used my Chase credit card for shopping and dining, but on XX/XX/XXXX and XX/XX/XXXX, I noticed two fraud transactions. One is under Professional services with an amount of {$310.00} and the other is under Education with an amount of {$110.00}. I immediately reported to Chase that they are fraudulent charges as my identity could be hacked. I also immediately changed all my passwords. Chase initially reimbursed my money and replace my card with a new number, but on XX/XX/XXXX it secretly reposted these two charges on my new card without calling me. I had to call Chase to get someone to tell me why it happened. Someone from fraud prevention team (? ) told me these two transactions are valid because it matches my information. Seriously? The identify theft of course got those information through illegal activities. Anyway I told Chase I disagree with the decision then they promised to look into the issue and contact me to get more information. Then two days later, I got a message in the Chase App ( Again no call, no formal letter ) that they insist the transactions are valid and threatened me to pay the amount otherwise I will break cardmember agreement. What a joke. I will never do my business with Chase again after this incident.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I want to completely close my wells fargo account due to the numerous unauthorized charges they have allowed in the 10 years I have been banking with them. In addition, their customer service is horrible. 

A family member of mine who is not at all authorized to use any of my cards or money used my phone to " play games '' but he was stealing my debit card info to buy XXXX coins on my phone and send it to his wallet so I would not notice. When I caught him doing it, he admitted to doing it in the past as well, so I filed an unauthorized charge report for all kucoin purchases. They gave me a final credit almost immediately for the XX/XX/XXXX ones but still will not give me an update on the older ones even though they were purchased through the same means ( unauthorized user ). Whenever I call and ask they give me the same run around. 
XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$500.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX CARD XXXX {$2000.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX {$2700.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CARD XXXX {$450.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX and was charged {$5000.00} on XXXX. I never authorized this transaction. My computer was stolen, which included all of my information stored on it, which allowed the thief to access my accounts and purchase {$5000.00} on the coinbase account and send the money out to a random wallet. I was offered a provisional credit, but the company will not give me a final resolution still and whenever I call they just say " it is pending '' but offer no timetable.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

I ordered an airline ticket for my wife in XXXX from XXXX XXXX and due tho the corona virus had to move the flight up from XX/XX/XXXX to XX/XX/XXXX, at the time XXXX XXXX would not answer any calls and no way to get a hold of them except for my wife to drive to the airport and change it personalty, which she did with me on XXXX and i had to pay a change of ticket fee which i did, After she flew, XXXX XXXX charged me for a second ticket, In which I started a dispute in XXXX. Best Buy Citi Bank started the dispute but the charge was re entered on my balance 2 weeks later, i called and again and they turned it over to fraud cancelled the card and sent me a new XXXX, XXXX week later the charge showed up on my new card I called fraud, they cancelled the card and and issued me a new one. The charge showed up again on the new card and after many calls to fraud, they apologized and said it was not a fraud and transferred it back to disputes again, this is 3 months after the fact now, no less than 35 calls to disputes the new dispute was never filed and after 3 calls to supervisors they assured me the dispute was filed. I cancelled the account due to frustration. The charge showed up on my balance again and after 10 more calls to employees and supervisors I was told they filed the dispute on the old card and not the latest card by mistake and they would file the dispute on the latest 2 cards. This never happened and the charge still showed up on my statement. No less than a total of 65 calls to Best Buy customer service and the next to the last call 17 days ago assured me the dispute was filed,. The amount plus late fees was still on my closed account and on XX/XX/XXXX I called again and was told the case was closed and I owed the money and that was that, On the same day a late payment was added to all three of the credit reporting companies ruining my perfect credit score, They refuse to help me any further and I lost a home purchase because of the 77 point score drop of a {$46.00} late payment. I immediately paid the whole amount am told this late payment will be on my report for 7 years ... .Please help
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXX and XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (FL)

Since purchasing this vehicle and securing the loan through Regional Acceptance Corporation, I have had some medical problems which caused my Mom to make the payments. She has been doing so but fell behind. Representatives have called my Mom 's phone number up to 5 times a day and most times, my Mom will talk to them. I wrote a letter and signed it on XX/XX/2019 requesting that my Mom be placed on the account. She was told that the letter was not accepted because they had to talk to me personally. That is not possible. Today my Mom attempted to make a payment and they would not accepted it. I don't think it is fair that they would not accept my letter because they are well aware of my medical problems. They call my Mom up to 5 times a day ( even on XXXX XXXX ) but won't talk to her about possible solutions to correct the deficiency. Yet they accepted payments from her without any questions. Please help! Thank you!
Consumer complaint received 2022-09-09
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-09
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: DISCOVER BANK (CA)

Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. 

disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (DC)

Got a call from XXXX. They said that they were from Chase Auto Loans and they knew my name. They said I should call them back about something with the dealership. I called back and they asked for my reference number. I pulled out my documents and I didn't see one. They said then I could just give them my full social security number. I didn't give it to them, but then I hung up and called chase. They had no record of anyone calling me. The scammers had almost the exact same answering service as chase, except it did not ask if I wanted the call in XXXX and it also had a ringtone. It also didnt ask me for my account number or anything. The scammer 's audio was horrible and she was ferociously typing on the other end. 

Even when I called chase from the number on their website it seemed sketchy though and I don't know what to trust because they were also asking for my full name, phone number, full social, address, and when i tried to get online to create a chase account to pay my bill they said my cell phone number didn't work for a XXXX, even though I was calling them on that number. 

It was weird because they knew my name and that I got an auto loan with chase a little more than 1 week ago.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (SC)

I have been banking with Wells Fargo since XXXX when it was XXXX XXXX. 

My local Wells Fargo branch in XXXX XXXX XXXX MD is where I did the majority of my banking. 

I would go to the branch to do deposits and my account was a primary checking account preferred customer. One of my children is XXXX and would be with me and her attention is very short. 
The sales associates at the front counter were always trying to get me to sit down with one of there sales banking representatives or the manager. I explained many times I was ok with my account at there bank and was not interested in other bank services.This harassment went on regularly. 
We ran into some financial difficulties with my child attending hospital and getting XXXX XXXX outside the home.We defaulted on our junior lein on our home. 

Recently Wells Fargo contacted me about our accounts with them and reviewed the history with me. XX/XX/XXXX there is a credit card denial and went over the reasons. 
I have an active credit card with Wells Fargo for many years. I never applied for this card in XXXX and they said they have no history of me applying .This is identity fraud FULL STOP. 

In XXXX I did apply for a home equity loan with Wells Fargo to pay our delinquent junior lein on our home. The application was denied because of the serious delinquency we had. 
I can understand why they rejected the home equity application but I feel when we were trying to building our credit score back up sales representative runs my credit and tried to open a credit account so he could earn commissions.

My credit score would drop down more when the rep pulled my credit for the credit card. 
I am trying to rebuild and some sales representative drags my score down more. 
I would like to talk to some senior management on this matter. 
Respectfully, XXXX XXXX
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (PA)

I am XXXX XXXX a federally protected consumer. Synchrony Bank/Gap is in violation of 15 usc 1692 FDCPA, 15 usc 1602, Truth in lending, 15 usc 6802, privacy and obligation, 15 usc 1681 FCRA. With these violations they have harassed and used unfair practices to coerce me to pay them when the debt isn't mine and was already paid. Please see attached violations.
Consumer complaint received 2022-09-09
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.