davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

Citibank paid out money to XXXX, XXXX XXXX ( for games ) and XXXX XXXX without my permission or without authorization or even a correct ATM card number. I lost my card, I got new replacement card and to my suprise Citibank still paid out money on the old ATM card number. How they did that I don't know but I am also really tired of XXXX and XXXX & XXXX XXXX XXXX just hitting my bank account over and over again until they get paid and what makes this so infuriating is that they didn't even have the correct atm card number and citibank still paid out the funds. I started calling Citibank at XXXX this morning and it is now XXXX pm and I get transferred around and around and around and around. Citibank is telling me they are not going to refund the money without cancelling my card. I am like you gave out the money. This is not my problem. 

I am paying XXXX  XXXX XXXX XXXX I am also at a loss why I have to talk to people in XXXX about my bank account. Can't they find people in the US/north america ? who understand why I would be so angry. These call centers are a total waste of money.I would say Citibank is also very misogynist. I have lived on the earth long enough to be given credit and respect.
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I apply for store credit to get something for my pick up truck. but after half of year. I never got it .but the store still charge me every month for the {$6000.00} dollars that I qualify for. that happens the XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the owner is a XXXX always stealing from humble people like me
Consumer complaint received 2022-03-19
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 (NY)

ON MY CREDIT REPORT THEIRS AN ITEM REPORTING INACCURATE AND IS FRAUD I AM A VICTIM XXXX DATA BREACH IDENTITY THEFT AND MY INFORMATION WAS COMPROMISED I HAVE A CREDITOR # XXXX XXXX XXXX  ACCOUNT # XXXX ON MY XXXX REPORT I HAVE BEEN DISPUTING IT OVER 10 TIMES OR MORE OVER A YEAR NOW I HAVE MY CERTIFY RECIEPTS FOR PROVE AND THEY WON'T REMOVE IT. I DISCIDED TO MAKE A COMPLAIN DUE TO AM FRAUSTRATED, EMOTIONAL AND DISTREST BY THE SYSTUATION AND I HAVE BEEN DISPUTING IT OVER 10 TIME OR MORE, PLEASE I NEED HELP IN THIS MATTER I ALSO DISPUTED IT WITH THE CREDITOR AND I NEVER RECIEVE A RESPOND SO IT NEED TO BE REMOVE.
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan number : XXXX Hello, I'm filing this complaint, against LoanCare, as I have been unable to move my request for a loan modification foreword in any manner whatsoever. 

My first attempt to resolve my foreclosure began in XXXX of 2019. I submitted all required documentation and nothing happened. LoanCare simply let that modification request lapse. 

My second attempt to resolve this matter with them began on XX/XX/XXXX and submitted ALL required documents, for review on XX/XX/XXXX. I WAS able to confirm that the documents were uploaded on XX/XX/XXXX, but they were unclear as to which documents were actually recieved/missing. 

Since then, I have not been able to get a straight answer from them on any question that I have, whatsoever. I have contacted them over a dozen times in the last 30 days - all to no avail. 

I need your assistance in getting them to formally engage me and conduct a thorough and legal review of my request for modification. My ex caused a very serious financial issue with me, which is my reason for falling behind in the first place. That issue has been resolved, I have more than enough income to support returning to making my payments and I'm simply trying to do the right thing. 

Please assist! 

Thank you so much..
Consumer complaint received 2020-07-26
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 — Their investigation did not fix an error on your report
Company: Synerprise Consulting Services, Inc. (TX)

Dear XXXX  : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. Synerprise Consulting in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. Synerprise, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account Synerprise Consulting as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AK)

I settled an account I had with Chase that had gone to collections. The collection agency promised to close the account and show a XXXX balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

I got a notification from my XXXX XXXX  to alert me of a negative impact on my credit score on XX/XX/2021. So I reviewed my credit report and saw a derogatory account of {$10000.00} by Hunter Warfield company and another account by XXXX  XXXX XXXX with a balance of {$1600.00} with my SSN. These accounts have never appeared on my credit report before & they are not mine. I do not owe anything to Hunter Warfield and I also do not have a credit card with XXXX  XXXX XXXX. I also found out that there is an unfamiliar address XXXX XXXX XXXX XXXX XXXX, CA XXXX to my SSN, which is not my address & I dont know anyone who lives in XXXX XXXX.
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On or about XX/XX/2020 I advertised and sold a watch on XXXX The buyer sent the funds to my Paypal account. I then shipped the watch to the buyer with tracking number. The watch never arrived to buyer, or so he claims. The money was withdrawn from my Paypal account and Paypal refunded back to buyer. I do not have the watch nor do I have the money. Paypal has also put a hold on my account and will not permit me to withdraw {$200.00}. that sits in my account.
Consumer complaint received 2020-05-14
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service Center, Inc. (PA)

Collection Service Center is reporting a debt that has been paid. I have attempted to remedy this with the Collection Service Center phone service but they have unprofessionally refuse to fix their mistake. I have attempted both of the phone numbers listed, XXXX and XXXX and XXXX has rudely hung up on me several times. 

Below I have provided evidence that this has been paid and that I have attempted to fix the issue with Collection Service Center.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I was paying my bill monthly until I lost my job, and my income was very slim. I called them about it and said I could pay an amount of XXXX monthly and that I wanted to close my account to help keep the interest from overloading me. and they said they would not accept it so I said you will if you want your payment, because that is all I have.this is my paypal account. and I want to get it straightened out so I can get it off my credit. I can pay XXXX a month until I get it paid off and that is the best I can do. All I want is to get to get this straight and I am not asking a whole lot but that is what I can afford, and you can look that I was paying every month until last year. Can you please help?
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (FL)

Acima XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. Acima then reported the payment as 30 days late to XXXX Credit Bureau. 

I reached out to Acima XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Hello, I am the victim of the Venmo scam. 
Long story short, I was scammed {$3000.00} in Venmo. 

Thankfully, my bank was right there with me to prevent the fraud and stopped those XXXX Venmo transaction to go through. However, Venmo is not doing the same. 
I opened the disputes and keep reaching out to Venmo for help to get my refunds, but the total opposite has been happening to me. 
Venmo froze my account, took my balance I already had to automatically apply to the negative balance of {$3000.00} and making me 100 % liable. 
No matter how many times I tell them the other payee was the scammer with all the evidences, they are just putting all those things on me and not doing anything with the scammer. 
Despite me being the victim, Im the liable and the bad guy to them. They keep tell me to reach out to my local law enforcement and I did. I made police getting involved, but they cant proceed because Venmo wouldnt give the search warrant about the scammer. 
I never felt so suffocated and betrayed by them. Not doing well mentally and and thought about many life ending thoughts because that money was all I had in my savings. 
Now as Im reading through some of the articles, if I dont pay that amount and leave it like that, I read that Venmo will eventually reach out to the collection agency about the negative balance. 

I was wondering if you can please help me find the justice in this situation, where I'm the victim and need to get my money back here. 
To them, {$3000.00} is a tiny amount of loss for their multi-billion dollar company. For me, this money is everything for my XXXX and personal debts. Im reaching out to see if I can get more info about them or you can help me bring this to the light. Thank you so much for reading through this. God bless.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I traveled to foreign country and was a victim of identity theft/credit card fraud. I tried to resolve the issue with the credit card company, but I have not received any resistance. I also tried to file a police report when I returned to the United States. But was told they can not help me because it was over seas. I also filed an identity theft complaint with FTC. I just want the fraudulent charges and lates removed from my account.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Macy 's XXXX XXXX XXXX has a fraudulent charge of XXXX}. I tried reaching out for last 3 months. Macy 's XXXX XXXX XXXX can not solve it. On top of it. They charged me late fees and charges. 

I finally had to pay XXXX} for the charges that I had not even purchased. Macy 's fraud detection lines are mostly unreachable. I also tried through social media and no luck.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

This is my second complaint against Wells Fargo. I tried to perform a wire transfer to XXXX on XX/XX/2021. I received a call later that day from the fraud department stating they called the sender and she told them the wire was fraudulent and she was going to recall the wire. And my account was being closed. The wire has never been recalled. Wells Fargo received a call from the sending bank and the sending bank told them the wire was not fraudulent. Wells Fargo told them they realized the wire was not fraudulent but they had " issues '' with me. The owner of the company who sent wire reached out to Wells Fargo and told them the wire was not fraudulent. Wells Fargo told his attorneys they had " issues '' with me. I was sent a letter by an XXXX XXXX asking did I dispute what the sender initially said about the wire. I went into the branch I normally do business and disputed what the sender said. I provide supporting documentation on this transaction and other transactions prior to any funds going into my account.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Equifax I have XXXX inquiries on my consumer credit report. I have attached a screenshot of my Equifax credit report. I did not give permission to these XXXX companies to check my credit nor do I have a credit account with these companies. XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX pulled my credit without permissible purpose. XXXX OF XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX pulled my credit without permissible purpose. I AM REQUESTING PROOF FROM EQUIFAX THAT I APPLIED FOR CREDIT WITH THESE XXXX COMPANIES LIST ABOVE ALONG WITH MY SIGNATURE OF APPLICATION. This is a violation of Federal Law & the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681b - Permissible purposes of consumer reports -- - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (NY)

On XX/XX/XXXX I submitted my $ XXXX loan application after paying XXXX in escrow. I applied using the lender that the sponsor wanted me to apply with GuaranteedRate and have been in constant contact with the morgagte consultant in providing them with the documentation they need from me up through XXXX. On XX/XX/XXXX, I get an update from XXXX telling me that my file should be approved this week. 

Then on XX/XX/XXXX, XXXX tells me " So hold off on binding anything we are having a little trouble with your approval, XXXX is looking into it, and will be in touch. '' I send several emails asking what exactly the issue is but did not get a response.I talk to XXXX over the next 2 week who tells me a different issue holding up the approval : 1. Condo occupancy ( % occupancy ) 2. Confusion about the tax amount amount and asking me what the amount is 3. Telling me that I need to lower the loan amount I am applying for and also pay off my existing credit cards. 

Okay, call me crazy but if I need X dollars and they are offering me less than X dollars thats essentially a rejection. After finding this out, I immediately contacted my attorney to let them know and also ask XXXX to issue me a formal notice to which he refused. 

It is XX/XX/XXXX now, 5 days away from closing and I still have not received any formal notificiation ( approval or rejection ). If i don't get this letter, Not only do i lose my 10 % deposit i put down for the house I bought but I also purchaesd something I can't afford. 

I am a first time home buyer and this has caused me so much stressed over the last 3 week that I haven't been able to sleep and it is impacting my work. 
Help!!! 

I had moved to XXXX based on my agent saying this process will close within a month. It hs been over 3 months.
Consumer complaint received 2022-03-18
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)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX i made this clear for 60 days straight with tXXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now XXXX  XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now