davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
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)

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MI)

I applied for the XXXX XXXX Business Mastercard by Barclays Bank. I was approved with promotional terms stating " Spend XXXX dollar and pay annual fee '' and receive XXXX XXXX XXXX miles within 90 days. '' I have fulfilled those terms and they are refusing to reward the miles to me.
Consumer complaint received 2019-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC (IA)

On XX/XX/XXXX I used a service call JPay to send my brother, an XXXX  in a XXXX XXXX {$97.00}. I decided to use this service because I had previously used it in the past to send a XXXX  XXXX money which was successful. While on their website I had seen where they started " You can now send money to you loved ones in XXXX XXXX. '' So I continued, I put in his ID number in which it pulled him up so I continued on with the transaction, in which it stated it was successfully sent. 

I got a call on XX/XX/XXXX from my brother saying he never received the money and that I should try to call them. So my first attempt at settling this issue was on XX/XX/2019 a lady i had spoke with told me to call the XXXX  that sometimes they will hold the money. So I called the XXXX  and spoke to a Male who proceeded to tell me that he has never heard of JPay and they only use XXXX XXXX or XXXX XXXX to receive money. 

I called JPay back the same day and told them what the XXXX  said to me, the lady at JPay put me on hold for what seemed like a very long time then she came back and told me that she knows what happened, that it had something to do with his ID number on their end and that she was going to put in a ticket and I would hear back from a manager by XX/XX/2019. XX/XX/XXXX came around I had not received a call back so I called them again. This time I asked to speak directly to a manager in which they never produced a manager. I was told they could not find their manager at the moment. They put in another ticket for me to be called back. I called 2 more times on XX/XX/XXXX after I still had not received a call back from anyone regarding this matter. This time I was frustrated and I demanded to speak with a manager, the lady put me on hold, in which I assumed she was connecting me to a manager. When she came back on she told me that it will take 5-7 days for a ticket to go through. I waited until XX/XX/2019 to call them back. This time I was angry I wanted to speak with to a manager. I wanted my money back. This time I was treated very rudely and hung up on. I never got to speak to a manager and this issue has not been resolved. My brother never received thse money and my account has not been credited back the funds.
Consumer complaint received 2020-04-28
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Opened an account in mid XXXX and funded this account with my XXXX XXXX bank closure. I closed because my local branch had closed. I saw Citi was giving a promotion that looked like something that would benefit me. A few days after opening I funded the account with my life savings. I also put my direct deposit and started with automatic bill paying and continued on with my normal banking. I logged on yesterday XX/XX/XXXX to see if my check was cashed by my vehicle insurance company. I then see my accounts have been blocked. I called and after 30minutes I get " We can not discuss anything in this account, it is locked and you will recieve your money when we close the account in 10 business days, good bye '' and they hung up. Frantic, I called today XX/XX/XXXX, it was the exact same story and hung up. I called my local citi bank branch who called the 800 number and later called me back stating " they will only talk to you, call XXXX extension 4 '' im thinking " great i can get the account unlocked ''. incorrect, it was the exact same story except this time it was 30-60 business days ; then they hung up. I called again today to see if anything has changed XX/XX/XXXX. Only thing i got from the call was that the account would be closed within 60 business days. I also wanted to verify the address where my money would be sent and when to expect it. They confirmed my address, but were unable to tell me when it was coming.
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AL)

I used paypal check cashing for my stimulus as soon as my funds where deposited paypal limited my account saying I needed to verify I'd I did and nope there " still reviewing " I need my money I have XXXX kids an unable to return to my job right now there is absolutely no way to co tact pay pal so they have managed to take XXXX from me
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

We started to refinance our home with Quicken Loans ( Rocket Mortgage ), on approximately XX/XX/XXXX with XXXX XXXX. Initially, we were inquiring about a 20 year loan. On XX/XX/XXXX, after speaking with our financial expert, my wife and I decided to go with a 15 year loan. I tried calling XXXX repeatedly, along with some text messages requesting the mortgage we applied for, be changed to a 15 year. He did not return any calls or texts until Monday, XX/XX/XXXX. Meanwhile, on XX/XX/XXXX we canceled the appraisal ( with XXXX at XXXX  XXXX ), that was scheduled for Tuesday, XX/XX/XXXX at XXXX XXXX  because we felt as though XXXX was trying to keep us locked into the 20 year. At this point we went back to XXXX XXXX, who had previously ensured us that a 15 year mortgage would be no problem and began the process for a 15 year loan. When I finally spoke to XXXX on Monday, XX/XX/XXXX I requested a refund for the original appraisal. Some time later I noticed a {$47.00} dollar credit on our credit card. When I called Rocket Mortgage again I spoke to XXXX XXXX. He said that he would investigate. When he finally got back to me I was informed that a `` drive by '' appraisal had been done by XXXX XXXX, a company that was never mentioned. We were informed that because the appraisal had already been " done '' they would not return our money. So, we called our XXXX XXXX card and explained the situation. They entered a dispute pending an investigation. XXXX XXXX told us if we do not hear back from them by XX/XX/XXXX the matter will be closed. Since then, I have spoken to XXXX XXXX at Rocket Mortgage. XXXX stated he performed an investigation and that since a `` drive by '' appraisal had been done we still have to pay for it. I requested to speak to XXXX 's supervisor and got XXXX XXXX, Team Leader Client Relations. XXXX offered to eat half the cost. ( fishy ) Both my wife and I were home at the time ( XXXX XXXX  ), per XXXX, they say they did the so called appraisal thus the picture they took of our home should have had both of our vehicles in the driveway. There are NO vehicles in the driveway in the photo they submitted on their so called `` drive by '' appraisal. 
We feel like we are being scammed. 
We would greatly appreciate it if your company would look into this matter. 

Thank you very much in advance. 

Sincerely, XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NV)

I was XXXX from XX/XX/XXXX until XX/XX/2020. during that time my apt was broken into and.was robbed. My purse with my wallet, with all my cards, and my cell phone was among the many items that were stolen from my place i immediately called and reported them stolen and was informed that there was activity on them .I went and filed police report .I listed the cards that were stolen but was informed that I needed to call the banks the cards belonged too .I did so and direct Express sent me paper work which I filed out and faxed back I was then sent a response back denying my claim
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (MN)

The reason for filing is complaint is I sold a car but the fund mystically disappeared within two US bank accounts. 

The whole story : I sold one of my car to a local car dealership and received a check with {$21000.00} from the dealer. I made the first deposit with the check via an ATM on XX/XX/XXXX, and my bank record showed the check was reversed on XX/XX/XXXX because it was over the limit of depositing a check via an ATM. I received the check about one week later. And I deposited the return check over the counter of a local US bank branch and did what was asked from the branch account manager on XX/XX/XXXX. My account showed the check was returned again on XX/XX/XXXX. When I called US bank customer service hot line, I was told the check was returned because it was a duplicate check. The representative told me he was 100 % sure the fund was routed back to dealership 's bank account. But when I stopped by the dealership, their financial department told me the fund was not returned to their account. From what they could see from their account, that fund was showing was cashed on XX/XX/XXXX. And there was no any pending transactions or indication that the fund was going back to them. So I went back to a local branch on XX/XX/XXXX and tried to figure out. The branch account manager said she could only see the check was returned from my account and I should talk to the dealer 's financial department to initiate a claim from their side so that US bank can look into where the fund went. So I pushed the dealer to make a call with US bank and talked to their account manager to see what they can do. And I received the call from my dealer on XXXX XXXX and saying their account manager said the check was clear. The fund left their account and they wouldn't be able to provide more information on where the fund go. But they could see the fund was deposited into another US bank account. And so far I have made at least 4 calls with US bank, visited US bank branch for 3 times, called 4 times with my dealer and visited 3 times. And no one could tell me where the fund went and why it didn't deposit in my account and how the check was clear. US bank customer service just keeps tell me to go to my dealer and my dealer asks me to talk to US bank. But the fund is disappeared within US bank. 

Thank you for reading the long story! I did not expect it to be this long and time consuming to sell a car and receive the money either.
Consumer complaint received 2020-04-28
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: ID Analytics, Inc. (OH)

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Consumer complaint received 2020-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NM)

Sir/Maam, Good afternoon, we are submitting a fraud complaint on an account that was opened illegally and we are not receiving ANY assistance with Transworld Collection Agency. We have called them several times for the fraud packet and they still havent sent one to us and we have provided our address several times. The collection agency is contracted by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ). 

The first phone call to the debt collector was on XX/XX/XXXX ( XXXX ) and we told them that it was fraudulent account and we would like to resolve it and get back our federal income tax that was applied to the debt. After the last phone on XX/XX/XXXX they said they will mail a fraud kit out residence and it should take a few days. We immediately went to the police department and filed a police report of the fraud. Over a month goes by and no " fraud kit ''. Around XX/XX/XXXX we get a letter from Transworld thinking it was the kit, unfortunately it wasn't. It was actually a statement from XXXX with the statement and balance of the account and they want us to sign and agree that the balance owned is in fact true and we agree to it ; that is completely ILLEGAL and not what we spoke about on XX/XX/XXXX. 

On XX/XX/2020 I called XXXX four times and I specifically asked for a supervisor/manager and the first representative said she will transfer me and all I got was " the number you have dialed is not in service ''. I called again with little to no assistance. The last call I was provided a number for Mr. XXXX XXXX at ( XXXX )  XXXX and I left a message to call me back ASAP ; it's XX/XX/XXXX and no phone call back from Mr. XXXX. 


At the end of the day we just want to file a fraud report, get our names from this account and get back our federal tax return. This particular fraud is hurting us financially and also affecting jobs. Below are some details about the account. 

Account # : XXXX Open Date : XXXX XX/XX/XXXX Online Balance Owed : {$7600.00} Address used to open/mailing : XXXX XXXX XXXX XXXX XXXX, NM Last Payment : XXXX XX/XX/XXXX Sent to Collection : XXXX XX/XX/XXXX Filed police report with XXXX XXXX XXXX, NM
Consumer complaint received 2020-04-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My house was a robo signed mortgage, among other things that wasn't legit. Fraud. I  keep going back a forth with wells forgo. about this loan. they just telling me they haven't got to the bottom of this yet. they send me paperwork of some documents, but it don't say anything about them making up fraudulent docs beforehand to make it legit, because I still have my originals and other docs. They still haven't told me anything concerning the fraud. Only thing is we looking into it. Known the other company don't want to here nothing. They just want that money. They told me that they don't got nothing to do with that. Just sir your loan was transferred. How you gon na make the payments. that bank or lender is XXXX XXXX XXXX XXXX. Thats right wells forgo said. I can keep my bank account I believe til the end of the year, before they start charting me. looks like its fighting time in court.
Consumer complaint received 2020-04-28
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. (TX)

I am a victim of identity theft. I have provided Equifax Credit Union with All identification documents, police report and a copy of my Federal Trade Commission report. I was informed by agent ( XXXX ) on XX/XX/20 to send in a copy of my police report in order for requested fraudulent activity to be Blocked from my report. Spoke with agent on XX/XX/20 to confirm receipt of requested document. Agent ID # XXXX at XXXX CST stated all documents were received on XX/XX/20. Writer confirmed with Agent that request for the following accounts was received and reviewed. 

Fraudulent Accounts 1. XXXX XXXX 2.XXXX  XXXX 3XXXX XXXX 4.XXXX  XXXX All above listed accounts are a result of identity theft. Has been requested over 30 days ago to be suppressed from my credit profile. Agent confirmed that request was received and reviewed over 30 days ago. Equifax failed to notify me as well as failed to suppress Fraudulent activity from my credit profile
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

on XX/XX/18 XXXX XXXX placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as SYNCHRONY BANK ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting Syncrony 's fraud  department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both XXXX XXXX over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with XXXX XXXX. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this removed.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XX/XX/20 I submitted Identity Theft documents to Equifax, XXXX  & XXXX  about several fraudulent applications and accounts in my name. There are still mutltiple fraud accounts which remain on my Equifax & XXXX  report even though I have notified them of Identity Theft in my name.
Consumer complaint received 2020-04-28
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: SYNCHRONY FINANCIAL (NV)

I have been in the middle of a refinance for about 6 months. So I would not have opened any new credit. I received an email stating that there is a late payment on my credit for a PPC account. I never opened up this account and now there is no one to speak to at paypal regarding this!!! Again, I am in the middle of a refinance on my house and my credit score just dropped only who knows how much because of a missed payment on an account that I didn't open up and there is not one single person to speak with about it. Oh goodness I am over the moon with frustration right now. The reporting agency can report a derogatory status on my account but not answer phone calls! Is that even legal? Shame on you Paypal! I sincerely hope there is something you will do to fix this. I have not been late on a payment in years ... ugh It is item number 17 on my credit report at the top of page 10/33.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MS)

Chase advised that they were working on a workout plan with me and during the workout option I was never notified that a foreclosure date was set. Chase representative advised that the workout plan was still in process and that no foreclosure date was set and that they extended the delivery for the documentation until XX/XX/2019. Chase has not been transparent throughout this process and has led me and my family into an ambush. Chase also advised that because of the XXXX that they sent to me a week prior to dissolving the workout plan, that they never mention was in jeopardy of being dissolved, that they had already set the date and left it up to the attorney 's office to notify me regarding this. I never received any notification from neither Chase nor their attorney.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Equifax refuses to take my credit file out of their Office of Consumer Affairs. I have made several requests and sent the documents they requested. XXXX, XXXX XXXX form sent a letters for the last two years requesting this removals. As of yet, it has not been removed and I run into many issues when purchasing a new home and trying to find somewhere to live. This has become a major barrier in my life. I feel as though I am being discriminated and targeted.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX