davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (GA)

On XX/XX/2020 I filed several disputes with XXXX  using the online disputes portal. On of those disputes included an account known as XXXX  XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided XXXX  a letter which stated that XXXX  XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my Merchants Account. On XX/XX/2020, I received an email from the XXXX  XXXX Department which stated that based on the documents I submitted with my dispute # XXXX, an XXXX   Dispute Specialist modified the account information. When I logged into my XXXX  account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX  XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX  told me to contact XXXX  to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX   XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore XXXX  is initiating disputes that I did not request.
Consumer complaint received 2020-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC. (CA)

Subject : debt Request for Cancellation of CashCall Loan, as well as for this loan to be removed from all three of my credit reports and any negative information placed by Cashcall. Account : XXXX I am writing to request the cancellation of my CashCall loan, due to violation of California Assembly Bill 539 ( AB 539 ). AB 539 enacted the Fair Access to Credit Act operative XX/XX/XXXX. The Act states that for any consumer loan with a principal amount of at least { {$2500.00} } but less than { {$10000.00} }, a finance lender may not receive charges at a rate exceeding annual simple interest of 36 % per annum. My loan with CashCall has been at 135 % for the original loan amount of { {$3100.00} }. Then was placed at 79 % which still exceeds by double the legally allowed interest rate in California. An attorney directed me to this newly enacted legislation. I have made payments that far exceed the amount that can be collected at the 36 % interest rate currently in effect in California. Current State of Payments to CashCall as of XX/XX/2020, I have made 20 total payments : 7 monthly payments of { {$350.00} } 5 payments of { {$280.00} } 3 payment of { {$200.00} } 3 payments of { {$97.00} } 1 payment of ( {$500.00} ). Total of payments = { {$5400.00} } According to an email I received from XXXX XXXX, a manager at Cashcall, I still have 43 payments at {$200.00} remaining, which totals an additional amount of {$8900.00}, even though my loan was only for 47 months. Maximum legal payments according to California AB 539 : 36 % interest rate for 48 payments. My payments have satisfied the maximum legal amount that can be collected in California for this loan. I have contacted Cashcall on several occasions to ask them to bring my loan interest rate into legal compliance with California rate of 36 %. However I have been unsuccessful. I have attached my original loan of 135 %, I have also attached my current loan of 79 %.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax refuses to show anything positive on my credit report. All of these companies have stated they report to all 3 agencies. 1 a month. This has been going on for a few years and they refuse to fix it. It has stopped me from getting finaced because of this.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DE)

XXXX Received a response back from Citi the issue is not resolved so they explained to you they are still working on it no they are not. They also came to a conclusion that they will add to all three credit bureaus a note stating I dispute that credit card and once the balance is paid in full I can contact them to have it removed. I pay my bill on time so why are they adding something to my credit report that has nothing to do with my request for a refund of the flight ticket. Why would they tell CFPB that they are still working on the issue and they are not. I need an explanation regarding why they have the right to add anything to the credit bureaus except late delinquent payments which I do not have.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous! ACCT # XXXX
Consumer complaint received 2020-05-12
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: Navient Solutions, LLC. (IL)

Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.
Consumer complaint received 2020-05-12
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. (TX)

Received text messages on XXXX XXXX and XXXX XXXX from Chase Fraud indicating possible fraudulent charges on my Chase Southwest Visa ( XXXX ) at XXXX XXXX for {$210.00} and on my Chase XXXX XXXX XXXX XXXX ) at XXXX online for {$590.00}. Called Chase Fraud Department today, XX/XX/XXXX, and spoke with XXXX ( sp? ). The connection was so poor I could only understand 50 % of what she said. I asked for an alternative communication method, either email or chat, she indicated neither was available. I did not make either of these charges and I believe she verified that but can not confirm. I asked that she terminate both accounts immediately but can not confirm. I believe Chase has had a major data breach of card account information and would ask that you seek verification of this. Companies that hold our financial data need to be held to a very high standard. To not offer alternative means of communication is unbelievable in this current environment. Companies should offer the consumer a communication mechanism that can be documented on the consumer 's end not just the company 's end. Request CFPB verify that I have not been charged with these fraudulent charges and that my accounts have been closed.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX  XXXX {$2000.00}
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MD)

On XX/XX/2020 we submitted a Dispute Acknowledgement Form to Synchrony Bank with all relevant documentation. On XX/XX/2020 we received an acknowledgement letter from Synchrony Bank. On XX/XX/XXXX after receiving an email that a payment was due calling to inquire why when we had not received a response on the dispute filed on XX/XX/2020. 

After several go rounds with Synchrony Bank customer service on XX/XX/2020 ; A.  ) Synchrony Bank proclaims to have mailed a letter on XX/XX/2020 ; a ) In addition, it was implied that Synchrony Bank did not have to send a letter because Synchrony Band had been notified by the XXXX XXXX XXXX  that we had agreed to such said purchase agreement that we received dated and sent on XX/XX/2020, bearing no signatures. 

b ) As stated in the Dispute letter filed on XX/XX/2020, we undeniable stated that ; 1. ) On XX/XX/2020 we made a purchase of a XXXX XXXX XXXX Serial # XXXX. Returning XX/XX/2020 being we had never been supplied with an electronic, physical, verbal or review of the purchase order nor the credit card financial documentation. In addition to the discrepancies in the purchase order and information supplied to Synchrony Financial by XXXX XXXX. 

Being the facts were presented to Synchrony Bank and we believe neglectfully dismissed the dispute without proper notification ignoring the facts. Attached are relevant documentation supporting our position. Please investigate this matter accordingly, providing accountability in Synchrony Bank enforcing federal consumer financial laws and protecting consumers that promotes fairness and restricting unfair, deceptive, and/or abusive acts or practices against consumers especially as it relates to this purchase. 

XXXX XXXX refuses to give ones and us any printed documentation stating that all is done " Electronically ''. 

See attached letter as Formal Description " CFPB XXXX ''
Consumer complaint received 2020-03-19
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: WELLS FARGO & COMPANY (CA)

I've reached out to Wells Fargo several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted Wells Fargo numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. Wells Fargo continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against Wells Fargo and Credit Bureaus for reporting erroneous fraudulent information.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

I sent money to my mother during COVID on XX/XX/2020. It was suppossed to be delivered by XXXX the latest. I got the text message the money was delivered. However, when I called my mother ; nothing has been received in her bank. And was constantly reaching out to the bank on their end. And gave me a resolution that they have not received any money. I also reached out to XXXX and gave them infor to reasearch the transaction on XX/XX/2020 via XXXX. After this I never heard back from them even after sending them several messages. I reached out to their CEO too. I even sent an email. Their phone no. says service unavailable. Their website says chat, email and phone services are unavailable after you log in and send the money. Before you send the money it shows chat is available.
Consumer complaint received 2020-05-11
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: DISCOVER BANK (CA)

I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE DISCOVER PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH DISCOVER.
Consumer complaint received 2020-05-12
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. (MS)

I have notified Equifax that this account has been opened in my name but I did not open this account. This account is being reported is FRAUD. Please delete this account and block this from my credit for XXXX. 
Thank you
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WI)

My Paypal credit card has payment due but the card has been taken off the paypal portal. When I log in I see no indication of card, no details, nothing. As if I dont have any card. Upon calling the customer service they said card should be visible in 24 hrs but its is way past that and there is no progress. Company does not have anyone to resolve the issues. I can not even make the payments to my current statement and this will give me first missed payment in my credit history in last 4 years! 

This " Paypal '' is the most terrible and worst technology company I have seen in my experience as a human on earth. Please get me out of this trouble. No one in paypal could solve this.
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK (AR)

I FILL OUT ONLINE APPLICATION FOR A CHARITY CARD WITH COMMERCE BANK OF XXXX XXXX AND WAS SUPPOSED TO PULL XXXX, BUT INSTEAD PLULLED XXXX FOR A DIFFERENT CARD FROM COMMERCE BANK OF XXXX AND WAS DENIED.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLIANT CREDIT UNION (FL)

All of us " Retired Baby Boomers '' ( which increase XXXX / day ) who have lost their working income and now have SS benefits and assets. 

1. We can not refinance our mortgages.

2. Refinancing which would give us monthly payments of half with the lower interest rates. A decrease from $ XXXX ( more than my {$1800.00} SS ) to {$950.00} mo. 

3. Because we can not refinance some seek foreberance or worse. 

4. So, I ask that you relax the re-fi rules for seniors so they can refinance their current mortgages without having to meet any old requirements. If, a mortgage is being paid and has been paid, why put anyone in a financial squeeze especially our seniors why not let all of us refinance. 

5. This appears to be a win-win on both sides and if you run the numbers helps our seniors avoid forebeance or worse and helps the servicers etc ... ... ... ..Please!

6. This mortgage company sent me the attached ; they do not follow Cares Section 4022 and I have a complete record of how they do not.
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

My name is XXXX XXXX, ( XXXX ) XXXX, Email : XXXX. As of XX/XX/2020 via Cash App ID XXXX  XXXX I had an unauthorized withdrawal transaction though My XXXX XXXX XXXX XXXX for {$1900.00} and absolutely can not contact any support via phone/email to dispute this transaction, which has settled. This basically cleared out my entire XXXX XXXX XXXX!! I did not do this transaction via my Cash App  phone or computer and suddenly noticed this large amount had been withdrawn from my Bank Account via cash App. Fortunately I was able to contact the recipient of the Account that was transferred to which is XXXX XXXX XXXX, and her Cash App ID is is XXXX  XXXX  Phone ( XXXX ) XXXX, Email : XXXX, and I contacted her and she claims she can not just do a refund because her account may have been hacked/compromised by a person stating he was a Cash App representative, XXXX XXXX, ID NumberXXXX, and is her account is now Locked, via email XXXX. Mrs XXXX seem to think the person may actually be a Cash App representative that did the unauthorized transaction because he has continually attempted to contact her via phone. Mrs XXXX also stated she lost over {$1200.00} in her Cash App account. I have attempted several times to contact cash App/Square Up company representative via my actual account and have not received any response. Please assist to verify, assist, investigate, and/or anyway help me in get my funds back and contact a real Cash App/Square support contact? XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

PayPal was not able to reach me to resolve a claim issue - but can call directly when they reverse the claim. 

Short version of the long story : Ordered a phone in XXXX it didnt work, returned to distributor. Never got my $ back, so filed a claim with the co, then PayPal who reversed the charges during investigation.

Yesterday I got a call from PayPay for payment collection on the claim they reversed. Had not heard from them since the claim was filed - apparently because i had an old email address as primary on my nearly 20 year old account info. ( Mind you, my phone # & additional email address also on their contact info file were not used to reach me to resolve the claim ). 

Supervisor XXXX # XXXX - informed me that its completely legal according to their user agreement that they have the right to behave in this way ... .. not using customer contact information to assist a customer in need, but able to reach me when they can capitalize.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WA)

Collection agency IC Systems is reporting a {$190.00} debt from XXXX XXXX XXXX to XXXX XXXX. This debt is from 2007 and is being report as 2 years and 3 months old. I recently disputed the information with XXXX XXXX however, the results did not change the inaccurate information being reported. Their contact information is : XXXX XXXX XXXX XXXX  XXXX, MN XXXX United States XXXX
Consumer complaint received 2020-05-12
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. (MO)

The information on my Equifax credit report hasnt been updated since XX/XX/2020, its XX/XX/2020. Despite the facts that my creditors have updated the information for my accounts and XXXX, XXXX both update information monthly, Equifax is updating my credit score based off this old information and it has caused my FICO score to drop significantly causing serious financial harm. For example, I have credit card balances that still show amounts from XX/XX/2020 despite the fact they are lower in XX/XX/2020. I have called numerous times, Sent letters, and verified my identity all to no avail. This matter has caused my great distress and my next step will be looking into a lawsuit.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

My mortgage is with US Bank. For many months I have receive my mortgage bill in the same month that it is due and several days after it is due i.e. for XX/XX/2020, my payment was due on XX/XX/XXXX, and I received a bill that says statement date XX/XX/2020, scheduled due date XX/XX/2020. I received this bill on XX/XX/2020. As I understand it, I should be receiving this bill for XX/XX/2020 because the periodic statement rule states that I should be sent a statement within four days after the end of the courtesy period of the previous billing cycle which is XX/XX/2020. This also makes the mortgage information on my statement not correct and up to date. I was made to pay a higher interest rate when I got this loan for a paper statement so that I would have this information in black and white. 
I have talked with the mortgage billing department many times and have been given many reasons, excuses why they can't send me a bill for the upcoming month. They used to for many years, now they can't seem to do it. 

Thank you for your help XXXX XXXX XXXX
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CA)

I moved from XXXX to XXXX in XX/XX/2017 I call XXXX and inform about the move on XX/XX/2017 and ask to close my account. The operator ( XXXX ) told me that it will be automatically closed at end of the billing cycle which is in XX/XX/XXXX. The account did not close because there was a XXXX ( hot spot ) that I ordered in XX/XX/XXXX was not return to the system. XXXX did not contact me regarding the system not returned or the account not close. They contact my son which he was not the main holder. i was not aware of the situation until XX/XX/2017. I told them I return the XXXX already and after checking through her system they found the hot spot was in the warehouse but no one enter it to my account. This problem is causes by XXXX careless warehouse worker that did not input my return XXXX back to the system. Therefore I dont believe that I owed this amount to XXXX. 
i have attached my credit card statements to show that the account was auto paid.