davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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. (NY)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-06-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

- Entered forbearance XX/XX/XXXX as a lot of large projects I was supposed to start were canceled/delayed/severely reduced in cost - Updated the forbearance request throughout the year - M & T Bank ( mortgage servicer ) said I missed 3 payments in XXXX - while in forbearance! 

- I can not refi with a legit bank due to this - M & T is refusing to allow to exit forbearance - have been begging them since XX/XX/XXXX! 

- I got angry - I told them I was leaving the country MULTIPLE times & to make sure we get the paperwork done. They continually delayed the process, moved the goalposts, requested MANY docs/items/notarized statements that their own " borrower financial report '' didn't ask for. 

- Im STILL angry, demanding an update after FOUR MONTHS of attempts to get back on track - These XXXX  pieces of XXXX called the POLICE for a " wellness check '' on ME - after I told them 50 times that I AM NOT IN THE COUNTRY. Wellness checks in XXXX have ended in DEATH. This TERRIFIED the tenant & her XXXX year old son. It was borderline IMPOSSIBLE to find someone during COVID to move in & pay rent. If she leaves - XXXX XXXX. 

- I have had a great XXXX ( all of my delayed projects in XXXX are happening now. Between the money we have saved, new projects and over $ XXXX in equity - we may have close to $ XXXX to put towards the house : XXXX : XXXX - M & T Bank is REFUSING TO ALLOW ME TO EXIT FORBEARANCE for whatever reason & using the XXXXPD as their PERSONAL XXXX to harass my tenant. 

Absolutely inexcusable. They need to face every repercussion imaginable. 

Regarding the late payments - they NEVER sent a bill or contacted me to tell me I was out of forbearance during that time. I can not refi with a legit bank due to these marks on my credit, I have the email where I requested the additional forbearance during that period. 

Without coming out of forbearance - I can not access the equity to pay off a XXXX lien ( cost has increased $ XXXX since I originally requested the payoff quote due to their incompetence ) and have $ XXXX to put towards the principal, exit PMI, go conventional, get the current interest rates. These XXXX are costing me TENS OF XXXX OF DOLLARS and calling the police on ME while they DO IT. 

This is CRIMINAL. 

This bank has 0 place in today 's climate/environment. Sanction this XXXX place until they are GONE.
Consumer complaint received 2021-06-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

Affirm was refunded money from XXXX  back on XX/XX/23. They allegedly tried to refund the money to my bank acct but claimed it failed ( um yea ok ). Then it took them 17 days to issue a check sent to a wrong address and now they are saying it will be another 2 weeks to reissue to my correct address.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I received my XXXX unemployment benefits on the US Bank Relia Card. My money is on the card but I'm unable to access it because the account is restricted for no apparent reason. I have been without money for 3 weeks unable to pay my bills and facing an eviction. They tell me that XXXX has flagged my account and XXXX has not had any flags on my account ever. I have called and confirmed this. Yet US Bank refuses to believe me and I can't get anyone to speak on my behalf. I have sent them 8 different documents confirming my identity yet it is not enough. The us bank has sent me letters telling me they will close my account and return the money but XXXX SAYS THERE ISNT ANYWAY THEY CAN DO THAT AND IF THE CARD EXPIRES WITH FUNDS ON IT THEY will then return it but they can't re issue me that money. I need this money. I have confirmed my I. D. With u. S. Bank in my opinion. They are not satisfied. I have even sent them copies of the correspondence they have sent me. XXXX has never made me verify my identity so why does the Relia card insist upon it and why don't they comunicate with them if they insist XXXX has the restriction instead of using me as a mediator a go between? XXXX assures me my account with unemoyment is good. They told me if it weren't they would have never issued the funds to US bank if my account was flagged. Please help me to get my money I need to pay my bills and eat.
Consumer complaint received 2021-06-28
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: JPMORGAN CHASE & CO. (CA)

THIS IS NOT A DUPLICATE REQUEST DO NOT DELETE THIS COMPLAINT!! I have some new information on this issue from XX/XX/2021 when I registered a dispute on charge with Chase. Chase is standing on the fact the merchant XXXX XXXX in XXXX, CA stated that no refunds after 30 day of purchase but because XX/XX/2021 was a short month and we tried to return the flooring on XX/XX/XXXX which is the day I called to register dispute with Chase, we were STILL in the timeframe for returns! So Chase has no reason to not side with myself instead of merchant. XXXX XXXX state right on their receipt within 30 days which we tried to do and they refused to accept for NO REASON. Chase stated do I have proof that I didn't pick up product on XX/XX/XXXX when purchased, even if I did ( I didn't ) it was STILL in the 30 day timeframe!! 
I want Chase to look back at everything and see that everything I am stating is correct and I was in the timeframe so XXXX XXXX has NOTHING to stand on!
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (AL)

The first time I had ever heard of this company is when they sent a bill for me to pay 2 to 3 months ago. I immediately called the company to advise they had the wrong person and that I didnt owe the debt that it was fraud. I advised the company I dont even go by the name on the bill they sent to me and I never bought anything. The lady I spoke with said that they would not bother me again and send the account back to the company that hired them to send me the bill. 
Today I get a letter from this collection agency stating they purchased the account and they are trying to collect and harass me for a bill I know nothing of and that I know I dont owe. 
I do not owe this company anything and Ive advised them to cease and XXXX  harassing me and do not put anything on my credit report that I dont owe. The name is incorrect, I never signed any contract, i never purchased anything, and I know nothing about this company, Then the company is showing stuff in XXXX and XXXX but the first time ever sending me anything or I couldve disputed this back during those times.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (MN)

" XXXX from Discover '' repeatedly calls to lower my interest rate. 

The most recent call came from XXXX on XX/XX/2022 at XXXX AM XXXX I keep asking to be removed from the call list and block the originating number. 

Calls continue to come from different numbers ; which I then block as well. 

My phone numbers are in the Do Not Call Registry.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I opened savings account with 5 bank due to the interest rate with no fees about 2 years ago. 

I find out today the account was changed due to a policy of the limit monthly transactions. They have lowered the interest rate and now charging a monthly fee. 

They claim multiple attempts were made to let me know but I never received anything. My contact info is all correct.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TN)

I opened my onine checking and savings account with Citi Bank on XX/XX/XXXX. 14 days later on XXXX ( XX/XX/XXXX ) my card stopped working. I called Citi and was transferred to the Fraud department. Turns out a {$50.00} XXXX charge caused my card to be frozen for suspected fraud. They asked me to verify my identity through my mobile number only to tell me that since my number isn't tied to my credit profile I couldn't verify myself that way. I ended up using my grandmothers phone # to verify myself because I co-signed a loan for her at the end of XXXX. Although that number is not registered to me, I was able to use it to " verify '' my identity. On XXXX, I was forced to drive over an hour away to get access to her phone to complete this process. After 5 calls into the Fraud Dept, I was able to finally get my debit card reactivated. This was strike 1. 4 days later on XX/XX/XXXX, I went to USPS to get a {$1200.00} money order to pay my rent. The transaction went through fine. Later in that same day, I was trying to get my son breakfast and my card declined again. Well this time Citi took it a step further by completely blocking my checking and savings account. I have XXXX access to these accounts. Leaving me with literally NO MONEY for basic human necessities such as food, gas, bills, etc. I have called over 15 times from XX/XX/XXXX - XX/XX/XXXX and I am being told that because they can't verify my identify via phone that I must wait to receive a letter via USPS that verifies my identify. The crazy part about all of this, is that I just used my grandmothers number to verify myself on XX/XX/XXXX but now that number is no longer eligible for identify verification. This has been the worst experience I've had with a bank in my 30 years of living. I've escalated to multiple POCs @ Citi Bank with no resolution. This has to be illegal or at the very least unethical. With Citi being my only bank where all my money is stored, they have literally tied my hands. Now, I'm waiting 7-10 business days to receive a letter via USPS with an authorization code that validates who I am. I have offered to DRIVE from TN to MO to visit a branch to show my passport, SS card, DL, etc. and was told that the ONLY course of action is to wait for the letter via USPS. This is insane and this " verification '' process is a true disservice to all customers.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
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: WELLS FARGO & COMPANY (MA)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX XXXXXXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXXB Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (GA)

I applied for a loan on XX/XX/XXXX and was approved for a personal line for credit from Marcus by Golden Sachs. I applied online and the process was going smoothly until the final step in the process when I received a technical error message on the website. I will attach the image of the message. 

I called the customer service number provided and went through the troubleshooting steps. They asked me to use a different browser, to clear my cache and cookies, and download the app. I did all of these things and was advised that a ticket would be put in to try to help my situation. They told me that I was approved, and I had seen an alert from my credit report that the loan was being reported. I was told to wait and keep trying the website. 

After multiple attempts, I called the customer service line again and was told that my problem was being escalated but did not see any progress or change. On XX/XX/XXXX I called in and asked to speak with a supervisor because I did not see any changes and was losing trust in the company handling my loans. A few of the calls would not be escalated and I was just told to wait. I was frustrated with the lack of answers and that it would take so long to escalate. On XX/XX/XXXX I was finally able to speak with a supervisor. There were still not any solutions - I asked for the paperwork to be emailed to me or what the process was if there were issues like I was having. I was told the only way to get the paperwork to me was by mail. I requested that I get the papers fedex to me but all of these request I was told no. I was told that the technical support could take 7-10 days. I was worried of there being not resolution so I asked for the paperwork to be mailed to me. She assured me it would be. 

On XX/XX/XXXX I received a letter in the mail and thought it was the paperwork but it was only a letter saying they needed my bank information to finish the loan. I called and tried to get the information to them but I will still be having the technical issue every time I logged in. The supervisor told me that from looking at the notes they were not able to send out the paperwork yet. This was not acceptable to me, nor was it communicated. I think it would have been important to let me know that there were still issues with the paperwork and getting my the loan. There seemed to be no urgency or direct communication with me about the status. 

I do not feel like I can trust XXXX but I feel stuck. I am worried about canceling the loan and having that impact on my credit. I am concerned about being declined by another company. I do not think it is right for a bank to hold a customer like this to their loan with no solutions on how to get the paperwork signed. It has impacted my credit and I need to build trust again with the company.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

RE : Dispute Case Number : XXXX. 
Merchant Name : XXXX XXXX XXXX Dispute Amount : {$1700.00} Discover Representative from Dispute Department assured me if I was able to upload letter from Expert showing that XXXX Chair I received is *not* real leather then I would " get my money back from Discover ''. I followed the instructions yet Discover did not provide me a refund nor any fair resolution to the dispute process. Attached are Fascismile and electronic communications to Discover that were ignored by Discover.
Consumer complaint received 2022-01-10
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. (DC)

On XX/XX/XXXX for Equifax, the XXXX for XXXX and the XXXX for XXXX by way of certified mail, these companies received letters regarding inaccurate and unknown items on my credit report. Embarking on 90 days later I have not received one word about the errors on my credit reports from either of the 3 credit reporting agencies. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 90 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me while I'm attempting to deal with my finances during COVID. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 60 days to receive a no respons because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 73 days soon so they should be deleted promptly.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

I have recently disputed charges made fraudulently on my debit card. Said charges occurred on the following days, and my card was fraudulently used to make unauthorized cryptocurrency purchases via a merchant named XXXX using XXXX XXXX. The dates and amounts are as follow : XX/XX/21 - {$400.00} XX/XX/21 - {$1100.00} XX/XX/21 - {$1600.00} Previously, I had contacted the merchant whom after conducting there own investigation agreed that unauthorized transactions did take place, and had refunded me roughly {$3000.00} based on the dates I had provided them with. They also terminated my account. After further reviewing my bank statements, I noticed that there were additional charges that had taken place but were not refunded by XXXX as I did not include them in my initial report. As such, I contacted XXXX, who advised me to contact my bank for further assistance as my account has been terminated and can no longer be serviced from there end. So, thats what I did, disputing the above aforementioned charges. Wells Fargo proceeded to deny my claim and tell me that there was nothing I could do. How does it make sense that the merchant refunded me, agreeing that unauthorized transactions took place, and yet Wells Fargo denied my claim? Every attempt to follow up With Wells Fargo regarding the issue is met with generic responses and no effort to assist me whatsoever.
Consumer complaint received 2021-07-20
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: SYNCHRONY FINANCIAL (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$1400.00} Opened XXXX XXXX, XXXX XXXX  Balance {$3.00} Opened XXXX. XXXX, XXXX XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX XXXX