davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-16
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. (IL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

I will start at XX/XX/2019 when I wrote to the Fraud Department via fax and told them about the letter they sent me that $XXXX would be credited to my account within 10 business days.  I warned them about the transfer from Synchrony Bank to XXXX XXXX but they appeared to ignore and not heed the the warning.  When the transfer took place, I called XXXX XXXX and they kept me on the phone close to an hour talking to managers and the Fraud Department and the Synchrony Fraud Department told them they needed an additional 5 business days to the transfer of ownership.  After waiting that length of time I called XXXX XXXX and they advised me to call Synchrony Bank Fraud Department where I was transferred to directly and they told me the transfer was complete and they would not be servicing the account any longer.  For the last week I have been faxing the Synchrony Bank Fraud Department to send me a copy of the letter stating my balance would be reduced by a fraudulent charge of $1,787.00 due to a charge from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX, NC.
XXXX XXXX XXXX is still under investigation for 3 or more HIPPA Vioations as well.
XXXX XXXX wants a copy of the letter mailed in XX/XX/2019 so they can credit my account while it takes 30 days for them to send me a copy of a document to fill out and explain the fraud that occurred all over again. The letter Synchrony Fraud Department sent also mentioned they would contact all 3 credit bureaus to alert them of the balance change.  I have no idea whether this happened or not but cannot get a straight answer. The REBILL of the charge happened on XX/XX/2019 under account XXXX   but the Fraud Investigation form has it under XXXX.  I have faxed them three times this week alone with no response and given phone numbers, fax numbers, email addresses, US Mail addresses.
Consumer complaint received 2021-06-02
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: CITIBANK, N.A. (IL)

I called in Activate my credit I them the code and they say it was wrong it was not AND they had the wrong number they said they would contact me in five days by letter and they have not. I called and had the number correct and it still has the wrong number.
Consumer complaint received 2020-11-26
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. (KS)

Prior to XX/XX/2020 I requested an investigation into inaccurate, invalidated, unverifiable, and questionable items on my credit report. On XX/XX/2020 I made a complaint with the CFPB to help get an investigation. I am a victim of the Equifax Data Breach and would like to get my credit report back in order as soon as possible.
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

After I made two mobile deposits to cover my rent, Wells Fargo deemed both checks counterfeit, without even processing either, and only eighteen hours later. The next day, WF informed me my account would soon be closed because of this event. After numerous calls by me, WF back-pedaled and held one for processing ( both checks were nearly identical payroll checks from same source and dated a week apart ). That held check eventually cleared, proving they were guilty of hastily declaring a check ( s ) bogus. As a result of all this drama, WF charged me with numerous {$35.00} insufficient fund surcharges, and my landlord nearly evicted me.
Consumer complaint received 2019-08-08
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. (GA)

Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was trying to buy a house for my family and couldn't because of the things on there are not mine. I've reached out to the FTC and to my local police department. Please remove them from my credit, XXXX XXXX, XXXX XXXX, Ga XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for your help with this, because I'm doing this all on my own.
Consumer complaint received 2019-11-16
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. (MN)

I have 3 credit inquiries from XXXX XXXX XXXX XXXX listed on my Equifax credit report that are unauthorized. I never applied for any credit with XXXX XXXX XXXX XXXX. The credit inquiries are fraudulent and unauthorized.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (IL)

This is not my account and I did not authorize services at this address at the time. XXXX XXXX reached out to me somehow with this information. I went to file the police report in the statement below. I went to the police station and they advised me to not fill out a fraud affidavit since it seems like the company is trying to pin this on someone, when the matter should be between the landlord and the company. XXXX XXXX did not see that services were on and unpaid for 3 years. I attempted send the statement below to XXXX XXXX with complaint # XXXX on XX/XX/XXXX of this year. It was sent back as invalid or not reachable to XXXX  XXXX. Here is what I sent : XXXX XXXX Account # XXXX Police Report # XXXX XXXX XXXX  XX/XX/XXXX I used to have services connected with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX  XXXX from dates XXXX. My previous boyfriend, Mr XXXX is the actual lease holder of each address and I am a lease holder at XXXX XXXX XXXX XXXX XXXX handles my current XXXX XXXX bill. I received an alert from XXXX XXXX that I owe {$1700.00} and that my services were shut off around mid XX/XX/XXXX. I was contacted by XXXX 's XXXX once I called them to get a copy of my current bill ( handled by my landlord ) in XX/XX/XXXX. I was told my services were disconnected in XX/XX/XXXX. I have been in a different address since XX/XX/XXXX. According to XXXX XXXX XXXX, in order to connect services the address would need to be recorded as XXXX XXXX XXXX XXXX instead of the recorded address of XXXX XXXX XXXX. The Landlord at the address notified the resident of this. I had this utility in my name since being in a relationship with Mr XXXX to assist him in keeping his public housing voucher. I am no longer involved with the resident, even as a friend. From what I remember, the resident was in the hospital getting treatment for XXXX XXXX   around XX/XX/XXXX and was released XX/XX/XXXX. I lost contact with him mid year and he notified me that he returned home and his belongings were no longer there. XXXX XXXX XXXX was connected there from XX/XX/XXXX-XX/XX/XXXX before it was disconnected. 3 years is a long time to have services with no payment and disconnection. I was not aware of the bill being in my name because my property management company handles my gas bill. I moved into my XXXX location starting a new lease on XX/XX/XXXX. This issue may need to be taken up with the landlord and I should have been contacted sooner to handle this matter. Instead, the bill has festered and the balanced was gradually increasing. I disconnected services in XX/XX/XXXX. I just spoke with the company today to get info on where to fax documents and they stated that a credit representative was not able to reach me at the address on file and I should be receiving a call from them later. 

Please contact me with any other questions.
Consumer complaint received 2022-08-20
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. (TX)

obtained this unsecured loan to pay off my credit card, I obtained a {$10000.00} with payments of approximately {$350.00} per month, however, XXXX XXXX has been paid twice and is refusing to update my report to reflect the decreasing balance
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

On XXXX 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2019-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (SC)

continuation from XXXX. Additional documents showing that the amount of my monthly payments are different on three different letters from Ditech XX/XX/XXXX 90 day temporary agreement {$1300.00} XX/XX/XXXX default letter $ XXXX/ XXXX XX/XX/XXXX letter {$1400.00} These changes in amounts cause the final delinquent amount to almost double making it even hard catch it up in one lumpsum. I called to ask what other options are available to find out that no modification will be granted without subordinate agreement and a payment plan can not be granted until past due amount is within 90 days.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (TX)

I have attempted to resolve a dispute with XXXX for months with them in excess of 3000 dollars. XXXX has said I am due the refund, the item has been proven returned and the lack of refund is merely a formality. They will not speak with XXXX for me to clear this up. I have spoken with them and XXXX for hours each day for over a month with no resolution. I have submitted multiple photos for evidence.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

Every morning for the past month at about XXXX XXXX Enhanced Recovery XXXX calls to collect debt that has already been paid to the original creditor, XXXX and XXXX. This company has purchased these accounts. They never leave a message to have you call back nothing. Just straight robo calling nonstop.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

On XX/XX/2020, I complainted to Blackhawk Network about a {$100.00} Matercard prepaid card that could not be used in-store or on-line. Blackhawk 's representative agreed to replace the card by mailing me a new {$100.00} card within 10 business days. 

on XX/XX/2020, after waiting for the replacment card for more than a month, I contacted Blackhawk again, and again was told that another replacement card would be mailed to me within 10 business days. 

Until now ( XX/XX/2020 ), after more than 3 weeks from the 2nd request, I still have not received replacement card from Blackhawk.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I have a current account with XXXX XXXX XXXX  and was not informed my previous address had fees owed. I had paperless billing but was not emailed, called or mailed a bill due. I have auto pay set up with XXXX XXXX XXXX The debt collection company did not notify me by mail email or phone call that this was a debt sent to them. They did not notify me of my right to dispute. When asked if they could verify debt I was hung up on after being yelled at.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NY)

I noticed a charge on my PayPal account for {$50.00} on XX/XX/2020. I had never heard of the company, XXXX XXXX XXXX, so I contacted PayPal on XX/XX/2020. They informed me that the case is closed because they determined the transaction was authorized. I have no idea who this company is and still feel I was scammed. Any help on your part will be greatly appreciated. Thank You, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX - XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (AZ)

Gurstel Law Firm reached out to me last year in XXXX regarding a debt from XXXX on a credit card. I informed them I would settle for {$450.00}, which they agreed through the state attorney general. They wanted me to pay by a certain date, which I responded asking them for an extension because my work hours were reduced due to COVID-19. I never received a response.

Gurstel Law Firm is attempting to sue me in civil court in Arizona for over {$1000.00}. I responded through the court that I want to settle the debt for {$450.00} as initially agreed and that Arizona has a statute of limitations on credit card debt.

I called Gurstel Law several times asking if they would settle now that I have full time hours at work and I could pay them by XX/XX/XXXX. They refused and said they would settle for 85 %.
Consumer complaint received 2020-04-01
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 (CA)

I got a temporary credit from the company of {$1100.00} around 20 days ago and I was informed that I will receive a final response on XX/XX/2020. I haven't received any kind of final response regarding the matter and also tried to call on the phone number provided on the letter ( Please see attached ) but to no avail. Please tell me the final outcome of the matter. 

Other thing is, since the item I have filed this complaint, I am not able to login into my my Synchrony Account online, so please look into it.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I ASKED THAT CHASE CREDIT CARD CANCEL A PENDING PAYMENT WHICH I MADE ON XX/XX/2021. I SENT THEM THE MESSAGE IMMEDIATELY ON XX/XX/2021 TO CANCEL THE PAYMENT OF {$200.00} WHICH WAS STILL ON " PENDING '' MODE. CHASE DID NOT ALLOW ME TO CANCEL THE {$200.00} PAYMENT MADE ON XX/XX/2021, AND IT IS UNCLEAR WHY, AS IT APPEARS THEY HOLD THEIR CUSTOMER 'S PAYMENTS HOSTAGE, AND ONE CAN NOT CHANGE THEIR MIND ABOUT MAKING A PAYMENT ON AN ACCOUNT WHICH IS UPDATE TO DATE. 

I ADVISED CHASE THAT I HAD ADVISED MY BANK ACCORDINGLY, AS CHASE DID NOT WANT TO REVERSE THE {$200.00} WHICH AS STATED, WAS ON PENDING MODE. 

I ASKED THAT THEY REFUND ANY OVERDRAWN FEES. I WAS ADVISED PER THEIR MESSAGE BELOW : " Thank you for the update. Since you have requested a stop pay with your bank on the {$200.00} payment, we will cancel the refund request to prevent a duplicate debit. 

We apologize for the the inconvenience you have experienced. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Payment Research Specialist XXXX '' BUT RATHER THAN SIMPLY REQUESTING A CANCELLATION OF THE REFUND TO PREVENT A DUPLICATE DEBIT, CHASE PROCEEDED TO CHARGE ME {$70.00} IN RETURNED CHECK FEES, FOR 1 ) A STOP PAYMENT ON {$200.00} WHICH THEY AGREED TO HANDLE AND LATER DID NOT IN ORDER TO " AVOID DUPLICATE DEBIT, '' AND 2 ) CHASE CHARGED ME A STOP PAY FEE ON A PREVIOUS PAYMENT OF {$480.00} WHICH HAD ALREADY CLEARED MY XXXX XXXX ACCOUNT, AND HAD POSTED OT MY CREDIT CARD AS A PAYMENT ON XX/XX/202,. AND SHOULD HAVE NEVER, EVER BEEN STOPPED. 

IN SHORT, CHASE, A MULTI BILLION DOLLAR CORPORATION IS ENRICHING ITSELF WITH {$70.00} IN FEES, ON STOP PAYMENTS TEHY ASSURED ME WOULD BE HANDLED SINCE MY CHECK WAS IN A " PENDING '' STATUS, AND I SHOULD HAVE THE AUTHORITY TO CANCEL PAYMENTS MADE, WHILE STILL ON " PENDING '' STATUS. 

THIS IS ANOTHER EXAMPLE OF ABUSIVE, SHARK LENDING AND PREDATORY PRACTICES FROM THESE CORPORATE XXXX DOLLAR COMPANIES WHO ARE SUBSIDIZED IN LARGE PART BY OUR TAXES. 

THANK YOU.
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (FL)

I have been paying my mortgage on time until 2 months ago. I called Homebridge financial and asked what I could do. I even offered to pay partial payments or just my mortgage amount minus the PMI and was told it was all or nothing. Which I could not do. I was told I did not quality for a modification. Now I lost my job due to Covid19 and am waiting to be tested for the virus. I called again to ask what I could do and was told there was nothing they could do and they would send me a packet to fill out which I should receive in 12 days. All my calls were recorded as per the company. I was told that there would be possible assistance during this time. This is not my original mortgage company as I refinanced and wished I never did. Every time I call I am treated horrible. I am not a bad person just having some financial problems. I would like them to work with me not treat me terrible. Please help.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Shellpoint Mortgage Servicing is the lender for my investment property mortgage. My account has an escrow account. The lender had failed to pay my r.e. taxes due XX/XX/2020, so I am incurring penalties. 
I had received the letter from them stating that my r.e. payment had been made on XX/XX/2020, but checking the website today XX/XX/2020 it says that my r.e. taxes had not been paid.
Consumer complaint received 2021-08-18
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. (MO)

Equifax credit reporting agency has a Bankruptcy ChXXXX from XX/XX/XXXX listed on my credit report. This Bankruptcy was a Ch-XXXX and should have been removed from my credit report last year after 7 years. I have disputed it twice with Equifax on XX/XX/XXXX & XX/XX/XXXX. They have refused to correct this error and I was denied a new car loan.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

We charged some travel arrangements on XXXX XXXX and XXXX of 2019 using our Citibank Visa card. I became ill and was hospitalized starting XXXX XXXX and was released from the hospital XXXX XXXX with a home nurse and medical assistance. We thought we might be able to recover in time for the trip in XXXX but in XXXX my doctor said it would not be advisable so XX/XX/XXXX we called to cancel. At That time the coronavirus was just starting to cause problems. We spoke with the travel company, XXXX XXXX XXXX and they told us that because of the virus they will give us a refund. The Air tickets and hotels were to be covered by our travel insurance. We contacted Citibank and asked to dispute the charges as did our travel companions on their XXXX XXXX charge. Citibank came back saying that the XXXX company and air had a policy to not give refunds. Our companions got a full refund through XXXX. I have emails from the travel company saying that they will give a refund. Can XXXX XXXX be smarter or Citibank just not caring about us as customers?