davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

In XX/XX/2018, I discovered that my ex husband opened a joint credit card account without my knowledge, which I was alerted to when it impacted my credit score negatively. I filed an Identity Theft Report with the FTC, the 3 credit reporting bureaus and Discover card ( the issuing creditor ) on XX/XX/18. Discover claimed to " investigate '' the matter but did so without contacting me at all. Their determination was that the account was opened online without my signature but with my correct personal information, had been open for 4 years so they claim it is a valid joint account, the credit card information went back on my credit report and is again affecting my credit score negatively.

I NEVER gave permission or consent to be a joint member on this account. I have never used this credit card account, not one single purchase. I never saw one credit card statement that came to the house. This account didn't exist to my knowledge prior to XX/XX/2018. It was opened over the internet, not in person ; there is nothing to indicate I am a willing member of this joint account. My ex husband had my personal information because we were once a couple, pure and simple ; he then used that information fraudulently. I want Discover to recognize this is legitimate fraud, to remove my liability from this debt and remove it from my credit report.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (OH)

I recently disputed an erroneous account on my credit report with equifax. The alleged account has so many inaccuracies, dates.. wrong name, address, incorrect amounts reporting across all bureaus. I received a response from equifax saying updated information was processed from a dispute from XXXX  and no real investigation was done because there is no way to correctly report it with so many inaccuracies on for account. I have submitted all the information needed to clearly verify my claim. I wish to have this deleted immediately because its defamation to my character and I know without a doubt I can win a case with the evidence I have. Thank you for your time. 
Regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I received a text stating there were transactions made with my account, I text back stating it was not I. I began receiving email notifications that there were an added payee and three wire transfers going out out my account. In the many years I have been a client I have never had a payee or set up wire transfers. Someone hacked into my account. I immediately find a cab to the nearest bank to block any transactions. The following day they transfers were allowed out of my account to a fraudulent account to a XXXX XXXX in XXXX XXXX XXXX. I am from XXXX XXXX, I stopped by the to make a police report, FBI report online and call Citi Bank to address the issue for two months now. Citi Bank is refusing to return my funds, blaming XXXX XXXX. I am a single mother who's lost her job during the pandemic, my family XXXX not have a home due to rent not being paid. The amounts were of XXXX, XXXX and another XXXX. None of which has been returned to my account. I need help. Citi Bank has done nothing to help. I have never given authorization for any of my money to be released, no one has ever called me from City Bank to ask for any verification to release my funds, again, I closed my account on XX/XX/XXXX, my funds were released on XX/XX/XXXX to XXXX XXXX via wire transfer without my permission. They mentioned that I " neglected '' my account by providing a code to a person over the phone ( the person who was ALREADY set up all transactions made and hacked into my account ) Yes when they called I believed it was a representative from Citi Bank. However, I not provide any personal information what's so ever, the person actually asked me to hold on until they " transfer '' me to " someone else '' as I explain to them that I was heading to my bank. I have the text until this very day, I closed my account as soon I could reach the bank in time. However, after blocking my account Citi Bank transferred my funds on XX/XX/XXXX, without reaching out to me, even when noticing suspicious activity, unfamiliar devices that were used while making these wires. This information was provided by XXXX from the wire department who pulled up this information on file.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SC)

I called in to make a payment on or about XX/XX/2019. I spoke to a representative who advised me of different payment options to bring my loan current. She told me that my payment would be around {$570.00} and that I would not have any capitalized interest. I specifically asked her about the amount of my payment and about the capitalized interest. She gave me answers to those questions before I agreed to the forbearance. She then put me in the IVR to say I accepted what she told me. Then, she set me up on auto payment and told me that my payment would be lower the next month because I would get the interest rate point deduction for being enrolled in auto pay. I called Navient on XX/XX/2019 to request that my next payment be drafted on XX/XX/2019. I was advised at that time that my next payment was going to be around {$610.00} dollars. This was higher than the representative quoted so I requested to be transferred to the department that handled this. 
I spoke with XXXX, a supervisor in that department. I asked him to review the phone call I had with the representative before I voiced my complaint, as I wanted to make sure I was remembering the XX/XX/XXXX called correctly. He reviewed the call and called me back. He confirmed that the representative did give me incorrect information. Specifically, she told me that my payments would be {$570.00} dollars per month and she told me that I would not have capitalized interest. She also told me that my interest rate would be reduced due to enrollment in the auto pay. She told me all of those things and that is what I relied upon in making the decision to enroll in this forbearance. He told me that it did not matter that she told me this incorrect information because I accepted the terms on the ivr system. He said there was nothing he could do.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (FL)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hi, I called Citi Bank on XX/XX/XXXX to downgrade my current credit card with them for a card of theirs with no annual fee. After 10 minutes in the automated system trying to talk to a customer service representative I got to the cancel you card thing, thinking thats when I would talk to a customer service representative I went into that many, and the card got cancel with no verbal confirmation. I was told that my card couldn't get downgraded with out verbal confirmation but some how it got canceled with it. I was able to get to a customer service rep right afterwards but it was canceled. I got passed around to 3 reps and finally they said I could appeal the decision which I did and then I should call back in 10 days. I called back 14 days later and it was said that no request got inputted into the system and now I can reply and get charge the annual fee again and have a hard pull on my credit. They were extremely unprofessional with all of it. And I have over an hour on the phone with htem.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

XX/XX/22 and XX/XX/22 PNC Bank {$2500.00} in unauthorized charges total from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX {$70.00} XXXX {$60.00} XXXX {$20.00} XXXX {$100.00} Charges disputed ; funds returned to acct on XX/XX/22 and XX/XX/22 in total. Letter received from PNC via USPS mail on XX/XX/22 that dispute was DENIED and funds would be removed from account in 5 days. Funds removed in total on XX/XX/22 leaving acct NEGATIVE and entire paycheck gone. Next paycheck GONE as well to cover negative balance. Attempted MULTIPLE times to contact PNC week of XX/XX/22 with response finally on XX/XX/22 stating that no fraudulent activity was found as the charges came from account matching my name and account number. Nothing could be done. Sorry maam. So much for fraud protection. PNC ALLOWED ME TO BE XXXX
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Personal Cash Loans of SC, Inc. (GA)

I borrowed XXXX $ from company kinsmith finance in XXXX XXXX, GA. I have all receipts proving I paid loan in full. I even got confirmation from the manager of the location that I dont owe anything else after final payment of {$190.00}. After a few months of no longer doing business with company, they call back saying I owe more money ( XXXX $ ). My last payment was {$190.00}. I also have receipts of every payment Ive made. Ive told them constantly to stop calling and delete my files. They constantly harass me with phone calls and voicemails. Ive told them to please stop calling due to the fact that Ive paid the loan off in full as instructed by the manager of the facility. It even went as far as one of the crew members there hung up in my face after explaining to them that I owe them nothing. Then a few weeks later called back. Its mentally draining XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (FL)

XXXX XXXX XXXX I sent out a affidavit of truth on XX/XX/2021. 

according to the certified mail receipt XXXX it was received on XX/XX/2021 at XXXX XXXX  XXXX, PA XXXX FEDLOAN SERVICING in violation of FDCPA and FCRA for the following : 1. Failure to respond within 30 days of receiving a dispute letter ; 2. Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; 3. Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. 

YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I noticed two fraudulent transactions on my Chase bank accounts. One is a check to transfer XXXX dollars from my checking account, and the other is a XXXX dollars cash withdrawal from my small business account. I notified my bank immediately and filed a claim against these two unauthorized transactions. The bank returned the {$2000.00} check to my account, but the {$3500.00} cash withdrawal has not been returned to me. The bank told me that a person in a XXXX XXXX  branch ( XXXX XXXX, XXXX XXXX ) withdrew the cash from my accounts using my driver 's license ID. 

I am disputing the fraudulent withdrawal based on the following facts : 1. The transaction happened in XXXX XXXX on XX/XX/2022, while I live in XXXX, XXXX and have not visited XXXX XXXX in the past few years. 
2. The signature on the withdrawal slip is not mine. 
3. I never lost my ID ; the ID presented in the bank must be fake. 
4. The date in the withdrawal slip is a future date XX/XX/2022, while the transaction happened on XX/XX/2022. It shows how negligent the bank branch was in handling the transaction. 
5. The bank never notified me or sent any text verification code to check the cash withdrawal authentication. 

Based on these facts above, I request the bank credit the fraudulent withdrawal of {$3500.00} to my bank account. Please contact me if you need more information.
Consumer complaint received 2022-07-28
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. (AR)

I received a copy of my credit report and found the following item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize or sign for any of these inquires and by the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my reports. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the address above. According to the act, there shall be no charge for this updated report. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

A couple of time when it was time for me to pay my I let them know because of XXXX I was out of work or working less hours and didn't have the money for monthly payments also the interest rate went up.no XXXX tried to contact me to help or go down on my payments now my payments are going to a collection. Where I was given a price to pay witch is XXXX dollars on the XXXX of every month right now I'm not working due to I don't work in the summer. I work for XXXX public schools food and XXXX.
Consumer complaint received 2019-01-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (CA)

I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from ECMC. I have not taken any loan from ECMC. As I contacted ECMC the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not  match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence ECMC promised that I will not receive any email or letter communication from ECMC going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from ECMC. I contacted ECMC again but it is not getting resolved.
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

Our mortgage was purchased by Mr Cooper Mortgage this year and we had a fire in our home XX/XX/2019. Our Insurance company XXXX issued a check to both Mr. Cooper and XXXX XXXX in the amount of {$13000.00} for the repairs. 
XXXX XXXX endorsed the check and mailed it to Mr. Cooper in XXXX Texas as instructed, however Mr Cooper Mortgage will not release the funds in order for XXXX XXXX 's home to be repaired. 
The mortgage is current, his insurance has canceled him due to he second claim this year, if he can't use the funds paid by his insurance to make the necessary repairs the house will become uninsurable. 

Please help us get our insurance funds back from Mr. Cooper Mortgage so we can repair our home. 

XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Since XX/XX/year> this people have been emailing me and calling me non stop. I dont know who they are and how they got my information
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: Self Financial Inc. (AL)

XXXX on XX/XX/2023 verified a credit report as accurate then changed as not specified whenever I reported self lender sunrise bank as not accurate because they put I owed them XXXX $ out in my name and it has now damaged my credit by XXXX points. I hadnt had the account for not longer than 3 months and they tried to say I had an account with them for enough to miss XXXX $ worth of missed XXXX $ monthly payments. Every time I tried to request investigation measures XXXX took the website would block me.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have made several payments to XXXX XXXX and yet their payments will never pass through my bank at XXXX  I had to stop payment on them contacted XXXX will not work with me the case is still under investigation according to XXXX I just got off the phone with a representative and yet theyre reporting major derogatory information on my name while its still under investigation they also have a representative calling threatening to come put me in jail, lock me up whatever it is to collect this money for this credit card, when its still under investigation I have the recorded messages I have the letters from my bank for my bank is tried several times To clear this case up in XXXX XXXX refuses to work with me or my bank they would rather report me as a bad consumer Im sure you guys allow this for companies helps them not me its destroying my credit and yet all my other cards are being paid through XXXX  in the same manner Im tired of being harassed by their phone calls every day XXXX times they call back for XXXX times numerous throughout the entire day. They make sure they call XXXX times back to back before they hang up.
Consumer complaint received 2021-10-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (AZ)

I have had my auto loan for 5 years now XX/XX/22 will be my last year. I have missed a few payments during covid. I am slowly catching up in 5 years of making payments I have paid XXXX dollars for my car now the payments I have missed and I am still about XXXX behind. with all of that paid, I have only paid off 5 % of my XXXX loan somehow! I have 14 months left and still owe. almost XXXX even tho I have paid XXXX with 14 months left on my loan if I make all my payments that only adds up to XXXX $ I feel so defeated that I have paid almost XXXX of my hard-earned money to see I never made a dent in loan and even after 72 months somehow will still owe! This has to be iilegal
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

Comenity Capital Bank is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and Comenity Capital Bank still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$400.00}
Consumer complaint received 2022-07-28
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. (DC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a account without my written instructions. 

Pursuant of 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a credit report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This credit card I used to originate every consumer credit transaction below. They should be removed from my transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 14. 

XXXX