davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IL)

A letter was sent from XXXX XXXX XXXX XXXX XXXX about a walmart credit card by XXXX XXXX. 

This company, walmart credit card XXXX XXXX changed the address without my authorization. The address on the letter is only a forwarding address to mail to. All correspondence should be sent in a brown envelope with any letter statement with the original address. 

Secondly contact was made with this comp any. I asked them to recall the debt to the 1st party. The rep stated they are XXXX XXXX and can not do that. This company is debt collect tor and not part of XXXX XXXX they are a th ird party. 

ForThe ( insert name ) changed my address without authorization from me the account holder. The company changed it because it was forwarded to a different address only for the purpose for " care of '' mail. The company never notified me for authorization nor was i given notice of the change until i received my mail from the care of address did i notice the company changed it automatically without consent. purposes of this complaint they are to Cease and desist all communication via phone and mail Restore the original address on the statements Recall send the debt back to the 1st party
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MO)

CitiBank. I have tried to settle an old debt. They indicated that the account was to old, that it had passed the statue of limitations. I sent in multiple payments trying to open the account back up as indicated. They never opened the account back up so I could negotiate a settlement. They then sent a letter indicating that they charged off the account. They continue to report this to the credit bureaus.
Consumer complaint received 2018-10-12
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. (OH)

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, Equifax, and XXXX I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account below : CAPITAL ONE BANK USA XXXXXXXX
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

I am unable to log into my venmo account. I get an error code every day. I have submitted my id & a self with my id like I was asked. I need access to my account on demand. Not whenever venmo things I should be allowed.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc. (OH)

For the past year or 2 I have been fighting with a company called National Credit Systems about a collection on my name that I am not responsible for or connected too. 

For my entire life except for the time I spent out of the state while in the military, I have lived with my parents homes here in Ohio. 

In 2020 I had dealt with a large amount of different cases from, loans & credit cards being opened in my name, & my existed bank accounts & credit/debit cards being used all related to my identity being stolen or leaked online. 

In 2020 around the same timeframe, an individual rented an apartment in my name and didn't pay for it. I have no connection and have no idea who it was who rented this apartment, but it was not me & was a result of identity theft. 

Every single time I try to connect with National Credit Systems, they refuse to provide me with the verification of signature from the lease. 
National credit systems submitted to me a billing statement without any extra information such as lease documents, wet-signature or other info related to this situation. 

After speaking to our family friend who is an attorney, he said to me that " Under federal law, if a wet signature can not be provided by a collection agency, the debt therefore can't be verified & must be deleted due the unverifiable information. '' If National Credit Systems can not provide me with the " wet '' or Ink-Signature used on the documents for this apartment that was rented in my name, as a result of identity theft, I am asking the CFPB to ask them to delete the collection & remove it from all Credit Reporting agencies.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. I am filing this report in hopes to get these accounts taken off my credit.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I deposited on XX/XX/2023 at Wells Fargo ATM the amount of XXXX XXXX dollars. Wich did not appear on my banck account. I am waiting for XXXX  month ago the proof that the bank has. It is the only proof that I have too. They closed 2 times my case but never show me the video. I have ATM number, Location and time that I made my deposit. Please help me with this case. I think Is not necessary look for a Lawyer to resolve this. Thank you in advanced. Sorry for my XXXX. My first language is XXXX.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

IN XX/XX/XXXX I SET UP A PAYMENT ARRANGEMENT TO PAY OFF MY XXXX XXXX AE CREDIT CARD. THE PERSON I SPOKE WITH SET UP MY PAYMENT ARRANGEMENT FOR THE END OF THE MONTH EACH MONTH AFTER MY ACTUAL DUE DATE. WHAT I WAS NOT AWARE OF IS THAT I WOULD BE ACCRUING LATE PAYMENT PENALTIES EVERY MONTH EVEN THOUGH I SET UP A PAYMENT ARRANGEMENT WITH THE COMPANY. I WAS NOT MADE AWARE OF THE LATE PAYMENT PENALTIES ADDED TO THE TOTAL AMOUNT I OWED UNTIL MY PAYMENT ARRANGEMENT ENDED IN XX/XX/XXXX. I WAS GIVEN THE IMPRETION THAT BY SETTING UP THIS PAYMENT ARRANGEMENT I WOULD BE PAID OFF IN FULL BY XX/XX/XXXX. I CONTINUE TO GET CALLS FROM DEBT COLLECTORS AND XXXX XXXX STATING THAT THIS IS MY FAULT AND THAT IF I DO NOT PAY IT WILL  NEGATIVELY AFFECT MY CREDIT AND LEGAL ACTION COULD EVENTUALLY BE TAKEN.
Consumer complaint received 2018-10-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Counsel, Inc. (FL)

In XX/XX/2016 we hired a company to do stainless steel ( the most expensive ) to avoid to get rusty or need maintanance ) railing instalation. 
pictures of rusty material : XXXX XXXX  XXXX The original amount was {$20000.00}. 
We paid {$4000.00} as you can see the attachment. So even the letters that the collection company sent are incorrect since the Balance due is {$16000.00}. 
Also the rails are not up to code and we will need to pay another company to do a new one. The problem is not only the rusty. 
Check the architect message attached : The engineer-designer needs to review these and incorporate the ADA requirements. This design does not meet the criteria required by current Florida XXXX XXXX - Accessibility and the ADA. 

The company XXXX XXXX XXXX ( rail company ) installed materials that are rusty since the day they installed and have parts broken. 

I hired a lawyer, XXXX XXXX, to contact XXXX XXXX XXXX  and inform that materials have problems and we need change everything or more payments wont be done. 
XXXX XXXX XXXX didintchange the material and hired a collection company, CREDIT COUNSEL INC by XXXX XXXX XXXX to collect the money. 

XXXX XXXX XXXX : 1 ) calls frequently even being informed to contact the lawyer XXXX XXXX XXXX.

2 ) Does repetitious phone calls that are intended to annoy, abuse, harass any person answering the phone. 4 persons have been insulted by him already.

3 ) He uses profane language 4 ) He threats and screams every time so we hang up the phone.

5 ) Sometimes he calls, start to talk without telling who is and then he starts to scream and use abusive language.

6 ) He send letters with amounts that are not the correct amount that we have to pay after all is fixed.
Consumer complaint received 2018-05-01
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: WELLS FARGO & COMPANY (CA)

THIS HAS BEEN AN ON GOING ISSUE WITH XXXX XXXX. MY ACCOUNT WAS CHARGED FOR SEVERAL TRANSACTIONS THAT I NEVER AUTHORIZED AND I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER DONE BUSINESS WITH ANY OF THEM.. I WILL LIST ALL DATES AND AMOUNTS ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX I CALLED XXXX XXXX AND THEY ARE ACCUSING ME OF MAKING THESE TRANSACTIONS AND I NEVER DID. I DINT OWN A TIMESHARE AND NEVER DID. PLEASE HELP ME GET MY MONEY BACK PLEASE. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I noticed there was a quickpay XXXX money transfer for {$200.00} that went to a contact I had not used before. The only information I was able to see is a XXXX email address ( XXXX ) and their name ( XXXX XXXX ). No phone number was provided. I was surprised that this happened and immediate contacted Chase Bank. 


I called the XXXX number on the back of my card as I caught it in processing. They tried to see if they could stop it and then told me they couldnt. In addition, when I asked them for more information they could not give it to me. They did not even mention to file a police report or prosecute the person. How do I know it's not a Chase Bank employee or friend/acquaintance of an employee there. 

I asked what else could be done as the money had gone to someone it shouldnt have and I want it back. They escalated it up, and I spoke with fraud. 
They told me they would investigate but that it was unlikely anything would happen. I was to receive a call back in a few days. 

That didnt happen instead about 2-3 weeks later I received a brief form letter from chase saying it wasnt fraud they determined the transaction was fine and Im XXXX out of luck. Chase Bank lacks professionalism, has poorly trained fraud and customer service staff -- from my experience, and I have lost trusted in them. Chase Bank representatives stated and implied that when a customer uses their quick pay XXXX feature that the bank is immune for any dispute or fraudulent activity. 

I started to research and tell others of what had happened. I found an article on XXXX from XXXX XXXX, titled " JP Morgan Chase glitch gave some online users access to others ' accounts. '' First, there was communication or mention from anyone at Chase Bank about this situation or that possible I could have been a victim of this ordeal. According to a XXXX XXXX that could not confirmed that there was or how many unauthorized money transfers. What I am asking for is the return of the unauthorized transfer of money for {$200.00}
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (CA)

NOTICE OF INCORRECT INFORMATION FAILURE TO DISCLOSE BUTTON AUTOMATICALLY CHECKED ON CREDIT APP AS STATED BY EMPLOYEES i, XXXX XXXX XXXX have been mistakenly charged for a credit card with synchrony bank whereas i gave no consent for all phone calls are and have been recorded by both parties. They have illegally reported that i was over my credit limit? for some reason without disclosing why. So when i did the research it came up that they have failed to disclose the charges of {$75.00} per month in fees for some card security attached to Syncrony Bank. 
The debt is being disputed and must be proven within the next 30 days. Verified and validated. 
FACTS WITH EVIDENCE : a. ] several hits to my credit report all three XXXX   XXXX and XXXX alleging that i signed up for this {$75.00} per month when i did not ever give consent. 
b. ] no proof of the debt alleged when disputed c. ] When the debt was disputed your clients continues harassing my credit reports sending me documents alleging i gave consent without ever providing a signature Damages ; cost XXXX XXXX XXXX to miss out on gaining solar with XXXX XXXX damage credit report legal and administration fees {$5000.00} so far i was only credited back {$1200.00} but that only covers one year they would owe me two years in the amount of {$1200.00} for XXXX. 

CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, the Defendants and their attorneys where served via USPS mail with Certificate of Service or certified mail as well form USPS XXXX. Signed by personnel. 

Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX # XXXX Phone : ( XXXX ) XXXX XXXX XXXX Nevada XXXX XXXX CERTIFICATE OF SERVICE PROOF OF SERVICE I hereby certify that on XX/XX/2018, I mailed a copy via USPS and electronically transmitted the attached document to the Clerks Office using the XXXX XXXX for filing and transmittal of a Notice of Electronic Filing to the following XXXX registrants : After it has been received and thereafter emailed thereto all Defendants herein this matter. Real Party ( s ) In Interest would prefer a quick resolution. 

This documents was delivered thereto the USPS office located on XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX by XXXX XXXX on XX/XX/2018.
Consumer complaint received 2017-12-05
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: CITIBANK, N.A. (OR)

I noticed a hard inquiry on my XXXX credit report. It was from XXXX on XXXX XXXX, 2017 for what XXXX identifies as Bank Credit Cards. This is their address and phone number : XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX. 

I have spoken with Citibank 's fraud department asking why I have a hard inquiry from them and they told me someone tried to open a credit card account. They have given me the run around and will not remove the inquiry.
Consumer complaint received 2018-10-13
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. (CA)

XXXX XXXX, account no.XXXX is wrongfully appearing on my EQUIFAX credit bureau report.I opened the account in XX/XX/2015.The payments made for this account were for usage and a XXXX XXXX XXXX PHONE.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX phone for {$600.00}. 
I said I WASN'T INTERESTED but there was SALES PERSISTENCE.Finally he said we will cancel everything, I WOULD NOT BE CHARGED as everything was settled to XXXX BALANCE.I kept the same phone number and transferred to XXXX XXXX. 
The entire debt is fraudulent! I owe nothing!
Consumer complaint received 2018-10-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

In XXXX I went to Wells Fargo to open an account. I was asked if I ever had an account there. I didn't, after the fraud with XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. I stopped using banks, my credit have been abused. I went back to Wells Fargo and requested a copy of the account. 
Since the account is in my name, I was given a copy. It have my name as XXXX XXXX XXXX XXXX A EIN number have been created in my name. 

This account shows it was created in XXXX. I filed bankruptcy in XXXX, I was going through the procedure during that time. The account is set up as me being the XXXX of this enitity. 
All of my history was being deleted and myail was being stolen. 

I address you have on file was with XXXX, separate from the United States Postal Service. I submitted a change of address with the United States Postal Service. I was told they couldn't forward Family/Individual from a Business Address. I  never had a business. Due to identify theft /fraud/abuse of my identity. Someone was stealing my mail.
Consumer complaint received 2018-03-18
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: JPMORGAN CHASE & CO. (CO)

My identity was stolen twice during the past few years. I have opted out of receiving any pre-Approved solicitations for credit. Chase continues to send me solicitations that included pre printed checks that can easily taken from my mail box. 

I spoke with Chase today and asked them to stop sending me these solicitations, especially the ones with pre printed checks with a credit limit of {$15000.00}. I was transferred five times and each department said they had to transfer me to another department. 

On the last transfer, I asked to speak with manager. XXXX came on the line and said she would have to transfer me for the sixth time. During the 35 minutes on hold, I was able to find the cfpb site and fill out this form. XXXX refused to give me contact information so the cfpb can follow up with her. 

I have also repeatedly asked them to stop calling me to offer their promotional vacations and they have continued to call me for the past five years. 

I have formally opted out of all solicitations and Chase continues to send them. Please have Chase and their affiliates remove me from all solicitations. Thank you. 

Best regards, XXXX XXXX
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (PA)

For the XXXX payment XXXX. They claim they informed us the auto payment no longer applies. The new payment will include the discounted rate of .025 % due to not being on auto payment. 

I never received the email or a letter from goodleap stating this. 

Goodleap attorneys stated the auto payment was corrected for people in arbitration. The auto payment would work. No mention of the .25 % discount. 

I contacted goodleap. They put me through to a supervisor. Who stated the regular customer line could fix the issue. Regular customer service stated they could not. 

We are being penalized for using their contract arbitration clause. They increased our payment from XXXX to XXXX. And refuse to correct the problem for the XXXX payment and any further payments. Causing the loan to increase over its life time nearly XXXX I had not been late on any payments from XXXX to XX/XX/XXXX when they arbitrarily cancelled auto payment. 

It is not right for goodleap to cancel auto payments because we are paying in good faith until arbitration is complete.