davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc (NM)

This all started back in XX/XX/XXXX ( Currently Early XX/XX/XXXX ) when paypal tried to take XXXX dollars out of my bank account and the funds weren't available so paypal charged my checkings account {$26.00} dollars putting the checkings account into the negative balance. Being a college kid, just recently getting a job with a decent commute, hit rather hard. I moved money around but a couple more monthly payments that I didn't anticipate went through just before paypal tried again and charged another {$26.00} ( a consistent number through this story ) at this point I was pretty dry for money and payday wasn't for a couple more days, and of course it tried again but this time it just subtracted from paypal totaling to - {$12.00} in paypal. At that point I called support for my bank to see what the deal was at which point I was directed toward paypal so I contacted their support system. On the phone with them they basically said I was lying and that paying the difference in my paypal account might fix it. After 3 to 5 business days nothing had happened at which point I had become busy and wouldn't bother with this issue again until XX/XX/XXXX after another incident that actually took place in late XX/XX/XXXX. This was a charge of {$14.00} got declined by my bank and paypal charged another {$26.00}. In that support message it was basically me telling this story then a month later I got a message from paypal saying it has been resolved but funny enough that was not the case so I alerted them about that and have not heard back since. Fast forward to XX/XX/XXXX a payment of {$10.00} failed to go through an yet another {$26.00} out of my pocket totaling a whopping {$100.00} that shouldn't have even been able to leave my basic checkings account.
Consumer complaint received 2018-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

I applied and was approved for a Wells Fargo mastercard close to a month ago. Since Ive received the card, Ive been unable to access my account on Wells Fargo website. Ive tried following the steps to receive my username and password multiple times. It does work however the Wells Fargo website states system is temporarily unavailable. I have my username and password. Its been like this since Ive had my card. I have called the credit card help line and at no point in the phone menu does it direct me to the credit card help desk. My problem is not solved through the automated menu.
Consumer complaint received 2018-04-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (IN)

XX/XX/XXXX Di tech financial is trying to collect old bad debt on a home that I lost 17 years ago to foreclosure. 

XX/XX/XXXX I wrote them back certified return receipt that the debt was no longer valid. 

XX/XX/XXXXToday I receive a letter with no description of what they are trying to collect on. Included was a ditech account number and only that they were trying to collect a debt? 

I want these people to stop and to close my account number.
Consumer complaint received 2018-04-02
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. (TX)

On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX and Equifax. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have unauthorized and fraudulent inquiries listed on my Equifax credit report. The following inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (OH)

Hello, I took an {$800.00} advance loan on XX/XX/2017. I've been paying {$140.00} every 2 weeks - and thus far have paid back {$1300.00}. This is a lot more than I owe. When I log in to my account on their website, it provides me with no information about when my loan is done or how much I still owe, etc ... I've paid what I owe and don't want to pay anymore. 

Thanks XXXX
Consumer complaint received 2018-02-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (PA)

XX/XX/XXXX we closed on a Home Equity loan as a refinance of our original mortgage issued in XX/XX/XXXX. This Home Equity loan on XXXX XXXX XXXX XXXX PA XXXX, was for the total amount of {$230000.00}. It was written by PNC Bank Mortgage loan officer XXXX XXXX, out of the XXXX XXXX XXXX XXXX office ( I'm not completely certain that this was the branch he worked out of ). 
At the time, he told us that we were getting a 15 yr. mortgage. At no point did he inform us that we would have a balloon payment of {$160000.00} due at the end of 15 years. At no point in the 15 years that we had this loan did PNC communicate to us that this balloon payment would be coming due in XX/XX/XXXX. In fact, the only way we discovered this was through our online banking portal. The payment due changed on XX/XX/XXXX from the typical {$1300.00}. to {$160000.00}. 
THIS IS PREDATORY LENDING. We have faithfully made our payments for the past 15 years, and now PNC expects us to come with a lump sum of XXXX? We need to have the loan modified in a reasonable and affordable way. So far PNC has NOT cooperated, we applied for a refinance and were told we did not quality - due to income and debt requirements. We own a small business and have cash flow problems. But we HAVE always made our mortgage payments. When we inquired about our options at PNC were advised to let it go delinquent and then do a " work-out '' we do not want to go delinquent and have our credit ruined. This is inexcusable. 
Please require PNC, a multi-BILLION dollar company, to do the right thing and modify this egregious loan product that should have NEVER been issued, and should have come with many, many communications about its payment structure.
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WA)

I had filed a claim on my account back in XXXX because the XXXX had overcharged me when I submitted the claim to the bank it ended up being denied so according to the letter the bank chase wrote that they were responding to the complaint from the XXXX which they received XXXX XXXX 2016 it says that we adjusted your claim and provided XXXX credits because I initially had received a claim credit for XXXX on XXXX XXXX and since the merchant credit the account we adjusted the amount and provided a credit of XXXX on XXXX XXXX they had advised me that on XXXX XXXX they would reverse the credit of XXXX which they had removed and ended up overdrafting my account of XXXX so they made the adjustment from the XXXX claim for XXXX that merchant said they would adjust and then took out the XXXX from the adjustment they made I filed XXXX claim not XXXX upon receipt of speaking with the executive office at Chase the XXXX time all this was explained to me and I said okay I understand what you are saying so then I had a direct deposit that had come in on XXXX XXXX for XXXX and then XXXX which left my account at XXXX so when my account was hit with the direct deposit of XXXX on XXXX it should had put my account up to a positive balance and not a negative one then the claims reps that I spoke to on Thursday night XXXX XXXX and Friday XXXX XXXX said we understand it was done in ERROR you are right should NOT have been re taken out on account they also then advised me I did n't file the XXXX claim the bank did so how do you take another XXXX which you already removed
Consumer complaint received 2023-06-18
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. (PA)

I submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I am requesting for these items to be removed from my report immediately! 
Thank you
Consumer complaint received 2018-01-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

This is a repeat complaint. Equifax initially responded that they were investigating and getting back to me with results. This was on XX/XX/XXXX. As a result, that complaint XXXX was closed. I never heard one word from EQ. I then submitted it again on XX/XX/XXXX Complaint XXXX and no response to date. I first started this dispute in XX/XX/XXXX. All records have been attached. I d need these three accounts to report on my EQ reports. One of these disputed accounts did show up very briefly only to be taken off yet again after approximately four days. I 've been treated so unfairly and ignored. 

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. On XX/XX/XXXX EQ  Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2. XXXX 3. XXXX XXXX XXXX. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. EQ Report XXXX Begins the non-reporting of my AU accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an AU. I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. Thanks for your time.
Consumer complaint received 2017-02-03
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: CU Recovery, Inc. (AZ)

I had attempted to negotiate a reasonable settlement of past due car payments with the original note holder. XXXX XXXX XXXX XXXX. We could not resolve. I voluntarily returned the vehicle. The vehicle was sold for an amount equal to or higher than amount owed. I attempted to resolve the quoted 'balance due after sale ' with XXXX XXXX. No response at all. Then I was contacted repeated by phone ( to the point I blocked the caller ). I responded in writing requesting no further phone calls and an accurate breakdown of charges. To this date I have not had any compliance from the debt collector - C U Recovery and they have actually sent me information with other individuals names on it stating they owe the debt as well. This C U Recovery appears to not have a professional representation nor is willing to assist in resolving this debt.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (KY)

My separated husband has opened credit cards in my name without my knowledge. I found out by reviewing my credit report. Several i am an authorized user and at least XXXX i am a joint user which means i am also responsible for the debt for which he created an is now in charge off. It is over {$14000.00}. I am trying to keep from filing bankruptcy so my credit will stay good. He is in the process of filing bankruptcy. I never had a credit card. He never told me that he did this.
Consumer complaint received 2018-02-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (TX)

Citibank misfiled my student loan account for the past 9 years under In School Deferment. This has caused my account to collect interest for 9 years without my knowledge and without Citibank attempting to contact me about a repayment plan. It wasnt until XX/XX/2017 that I was made aware of this situation when I was contacted by XXXX XXXX XXXX. I have since exhausted all of my options in an attempt to rectify the situation and contact someone through Citibank to help me since XXXX XXXX says they cant do anything other than give me account information. I need to be able to speak with someone at Citibank who can help fix my account since it was a mistake on their part having me listed under the wrong status for 9 years. XXXX XXXX had told me that $ XXXX/month payments are all that can be made or else my account will go into default. Seeing as how this is not my fault, and those payments are due to the total amount owed due to 9 years of high accrued interest rates, I need to speak with someone from Citibank as soon as possible. I have been given 6 different phone numbers to call for Citibank and each person just gives me another number to call and says they dont have any information regarding student loans.
Consumer complaint received 2017-02-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC (GA)

our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about them.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Monterey Financial Services LLC (CA)

Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I have a Walmart issued credit card, which I maintained and paid on-time for several years. Due to XXXX XXXX 's expenses, I was unable to make my on-time payment on XXXX/XXXX/XXXX. As a result, Walmart credit card services decreased my credit line close to the amount owed, thereby affecting my credit. I contacted customer service on XXXX/XXXX/XXXX to discuss this matter and was informed that credit line decrease was not due to a late payment but it was due to a XXXX XXXX credit check on XXXX/XXXX/XXXX. I advised them that this is false since Walmart provides a free XXXX XXXX credit monitoring on their payment webpage where they themselves can view my credit progress. I was late with other creditors as well for the month of XXXX due to XXXX XXXX, however, none of them took such adverse action towards someone who was financially impacted by the storm. I believe my credit was lowered solely because of the late payment and because it was lowered to the amount owed it will negatively impact my credit. Please assist me in resolving this matter. I advised them to close my credit card because of their unsympathetic stance.
Consumer complaint received 2016-09-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

My bank card was kept at the XXXX, NC ( XXXX ) branch of 5/3 Bank after I forgot my password. I told the rep at that location I live XXXX miles away round-trip and asked if my card could be mailed to my home or a new card issued and mailed to my home. The rep at this location offered NO help in retrieving card other than driving the XXXX miles round-trip. I contacted the 5/3 Bank help department THREE times via their online contact option, but I have never been contacted or received my card in the mail. I do not know why this is such a big deal. I can answer any question over the phone that I can answer in person. I just want my bank card, so I can access my money.
Consumer complaint received 2017-10-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Loan care did n't apply payments received then forced placed insurance on my home then filed foreclosure on my home will in foreclosure they credited me for forceplace I filed class action for forceplace they settled the case out of court but still I 'm in foreclosure please help me.
Consumer complaint received 2017-03-06
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MI)

I use an Amex Serve card ( a prepaid debit card with a bill paying function ) as an option to a checking account. On XXXX XXXX, 2017 I got an email saying I had a negative {$140.00} balance on this account. After reviewing the transaction history on the acct, I could find nothing that would cause that kind of deficit other than an unauthorized withdrawal transaction. After 2 phone calls to the Amex offshore help desk I still do not know what could have caused the problem. Just a simple check with a calculator beginning with the most recent cash reload showed that accounting for all the following transactions would leave only an {$8.00} deficit & I 'm certain there was a positive balance at the time of the reload. Both " customer service representatives '' that I spoke to at Amex Serve would only parrot back the transactions to me & would not even take the simple step of doing the transaction calculations that I did to produce the - {$8.00} balance. I am concerned about this especially since I just went through a lengthy identity fraud investigation with the IRS & am concerned that my identity has been compromised. However, even with that information Amex Serve refused to open any kind of investigation to find out why I have such a large deficit in my account. So, my only recourse is to bring this to your attention in the form of a complaint so I can find out the real reason for this issue. I 'm attaching a copy of the transactions in question beginning with XXXX XXXX & covering the transactions up to today. Thanks very much for your help with this.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with Equifax directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.
Consumer complaint received 2017-10-01
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. (TN)

I have been disputing this issue with the creditors and the credit reporting agencies Equifax for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but equifax has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
Consumer complaint received 2018-07-21
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

Synchrony / Walmart Credit card stated that they would remove all fraudulent hard inquiries from my credit report back on XX/XX/XXXX. The Hard done on XX/XX/XXXX still reflects on my XXXX  report.