davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC (TX)

I work at a XXXX XXXX and I have been looking for a second car. Simultaneously my boyfriend was also looking for a car. I originally applied for a XXXX XXXX but I wasn't sure so I held on and he applied for a XXXX. He qualified on his own with his full time job but as he does XXXX XXXX  for my XXXX  I wanted to include that as supplemental income, the deal was rejected because the internal documents that we submitted to prove his supplemental income were rejected unfairly. The lender had us re-apply with only his full time job and then denied it on the same basis using the second application as proof of the fraud, which was their fault in the first place and the loan should have never been rejected. He decided to buy a different vehicle because of the mistreatment from Westlake and I decided to buy the XXXX because we had already paid for it and ordered the title and the business was out of that money, so I decided to take in on because I like the car. Even though I'm putting more than half down it's being rejected as a " straw purchase '' as if I'm buying it for my boyfriend, who is now just a friend and I am no longer in a relationship with. It is not a straw purchase. Westlake Financial is able to charge high interest because they hire bottom of the barrel people to give first time and second chance loans, unfortunately this means that mistakes are made and they are making mistakes over and over.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (AR)

In XXXX I applied for a XXXX XXXX card to receive an additional 10 % discount on an order. They said they would mail me a letter. I received the attached letter from XXXX XXXX  saying I had not been approved because the consumer report stated the applicant was deceased. ( Attached Ex A ) I was not then or am I now deceased. I called Sagestream 10 times and left a voicemail requesting a copy of my report they sent to XXXX XXXX  for XXXX XXXX and requested a return call to discuss this issue. I never received a phone call. I made 4 request online and the Sagestream website for the said report. The letter States I can receive a copy of the report if I request within 39 days. I never heard from Sagestream. You can not get through to a person no matter what number you push when you call the number on the letter. XXXX I received the letter attached from Sagestream without a copy of the report stating that my XXXX score was XXXX and the following : *When consumers SSN was issued compared wit *Limited history for consumer at this phone *Limited history at this address *Number of inquiries *Inquiries did adversely impact score So now I'm not deceased I have all these other issues. I am a widow on XXXX and my credits not perfect now but I've come a long way since after my husband died suddenly 4 years ago. My credit score with XXXX  and XXXX  is between XXXX-XXXX. I have read Sagestream does some other kind of scoring. 
I want a copy of the report they sent to XXXX XXXX  that I requested via phone and online within the 30 day period. I want this corrected and a copy of the corrected report. I also want to opt out of anything with Sagestream , LLC. This has been a nightmare over a 10 % discount for XXXX XXXX but Sagestream didn't do due diligence on this and needs to make it right and send me the copies I hab requested. No company should have the authority to make a mistake and then just ignore it hoping it goes away and not ever sending the consumer the correct information. What if this had of been a mortgage loan? Or car loan? Please look into this and that appreciate your help in this matter. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, At XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (FL)

XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government.

FISERV and Money Network dropped the ball. 
I received an EIP debit card in the mail yesterday. 
I called XXXX to activate the card and assign a PIN - no problem. 
I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed. 
The next morning, 8 hours later, the email arrived with a 5 minute window for use. 
I missed the window. Tried again - same thing. 
I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards. 
ACCOUNTABILITY!
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

This is an electric bill that has been paid to the electricity company XXXX XXXX XXXX. I should not be on collection of any kind. I ask the collection company Helvey & Associates to contact XXXX XXXX to confirm this account its been paid. Remove this collection ASAP from all credit bureaus.
Consumer complaint received 2020-05-27
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. (NC)

Equifax claimed to have verified a fraudulent account due to me being a victim of identity theft. I would like to know how and when and what method was used to verify a fraudulent account that I had nothing to do with
Consumer complaint received 2019-10-23
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)

Hello, The following account is not mine. Please remove from my credit account. Thank you. 
XXXX XXXX XXXX The following Inquiris were not made or authorized by me. Please remove from my credit account. Thank you. 
Inquiries : XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX, 2018 2018
Consumer complaint received 2020-05-27
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: U.S. BANCORP (IL)

I applied for a US Bank Business Cash credit card in response to a promotion in which I would earn a {$1000.00} cash back bonus if I spent {$10000.00} in the first 120 days. The promotion also stated " your cash rewards will add up fast - especially when you get multiple cards for employees '' I requested 2 cards : one for myself and one for my son who works in the business. I was approved for the cards on XX/XX/XXXX. That meant I had until XX/XX/XXXX ( 120 days ) to spend the required {$10000.00} to be eligible for the {$1000.00} bonus. I spent the following as shown on my first 4 monthly statements : Statement dated XX/XX/XXXX - Net balance {$170.00} Statement dated XX/XX/XXXX - Net balance {$3000.00} Statement dated XX/XX/XXXX - Net balance {$6200.00} Statement dated XX/XX/XXXX - Net balance {$2100.00} The total spent as of XX/XX/XXXX was {$11000.00}, above the required {$10000.00} - On XX/XX/XXXX I called US Bank to inquire about the bonus, they told me to wait a few more weeks. 
- On XX/XX/XXXX I called again and they told me I should see the bonus in the next statement. 
- On XX/XX/XXXX I called again and they said they would do an investigation and would send me a letter in 7 days. 
- Early in XX/XX/XXXX, I received a letter stating I didn't meet the spending requirements. 
- On XX/XX/XXXX I called again and asked the customer agent to look at my first 4 statements showing the total spending was clearly over {$10000.00}. The rude customer service didn't bother to look but simply told me to refer to the letter. I then faxed in my letter explaining that I'd spent over 10,000 and sent them copy of my first 4 statements. 
- On XX/XX/XXXX I called again to check if they had followed up on the documents I sent. They told me I didn't meet the spending requirements that I had only spent about {$6000.00}. They told me the {$10000.00} spending requirements has to be under my specific card, it can not be combined with my son 's card. I told them the promotion did NOT mention this. In fact, the promotion ( I still keep a copy ) even stated and encouraged me to get additional cards by stating " your cash rewards will add up fast - especially when you get multiple cards for employees. '' My son works for me and in many cases, we use our cards interchangeably and I'm responsible for all charges under both cards. US Bank did not say the {$10000.00} spending requirement had to be under my specific card in their promotion. Otherwise, I would have done all the spending under my specific card only as my son and I were often together, I could have used my card instead of his. US Bank now denied my promotion bonus. They cited their rules which they did not disclose earlier in their promotion. They only disclose this rule after I already made the efforts to spend {$10000.00} so they would not have to meet the obligation they promised.
Consumer complaint received 2016-11-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (OH)

XXXX sent the doctors bill to XXXX XXXX but sent services bill to collections plus the bill they sent me was missing Provider TIN #, Diagnosis Codes, Procedure codes/Revenue Codes, and several other items which delayed XXXX XXXX settling the bill for months after I finally got the bill sentand it was settled and paid by XXXX XXXX minus my portion-XXXX dollars and I have the proof.I was a victim of Identity Theft also and my address changed also and Ive taken a huge hit due to this hospital bill and related issues due to the Identity Theft.
Consumer complaint received 2020-05-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC (IL)

On XX/XX/2020, XXXX Leasing attempted to contact me from a blocked number, as they try numerous times each day. The company also sends me unwanted text and will not cease when asked. The representative on the phone conversation on XX/XX/XXXX did not inform me that it was an attempt to collect a debt and that the phone call was being monitored and recorded until approximately 1-2 minutes into our conversation. Thus violating my right and recording me without consent.
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I sent {$100.00} via Paypal to my friend 's dog rescue on XX/XX/2020. She never received it and it wasn't pulled from my bank account yet, so on XX/XX/XXXX I sent another {$100.00} thinking the first transaction didn't go through, but I used her personal email instead of the XXXX XXXX XXXX email. The second transaction was deducted from my bank account immediately, and my friend received the money. The next day, the first {$100.00} was deducted from my bank account and my friend never received the money. I have been following up with Paypal and they keep telling me the transaction was completed, but have not offered any proof. In the meantime I sent them copies of my friends transactions showing that she only received the second payment of {$100.00}. I have been trying to resolve for over a week now and Paypal keeps telling me the transaction was completed when it clearly was not because my friend never got her money. How can I get this resolved so she either gets the second payment of {$100.00} or I get my money back?
Consumer complaint received 2020-05-27
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. (NC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX {$10000.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX {$25000.00} EQUIFAX XXXX {$380.00} EQUIFAX XXXX {$270.00} XXXX XXXX {$1800.00} XXXX XXXX
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

On my XX/XX/2020 statement, a late fee of {$27.00} was refunded, and Synchrony Bank services was supposed to remove associated interest as well. They forgot to remove it. 
As a result - the following fees have accrued - and Synchrony Bank must refund them. 

Additionally - Synchrony Bank must correct their reporting to various Credit Agencies ( XXXX, XXXX, XXXX  ) from delinquent to normal. 

XX/XX/2020 {$4.00} XX/XX/2020 {$1.00} XX/XX/2020 {$7.00} XX/XX/2020 {$1.00} Total {$15.00}
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (CA)

I found out that my East West bank account was closed on XX/XX/2020. I contacted customer service on the same day and asked me to provide another XXXX XXXX  account with {$3300.00} in it. I transferred the money inside, but I have not transferred the money in the past 13 days. I have contacted East West Bank customer service many times, and I said that I will transfer the money soon.
Consumer complaint received 2016-12-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mnet Financial Inc (TX)

I paid a debt to MNet Financial on XXXX for medical services earlier this year. I received a call from someone today, XXXX, saying I did n't pay it. I pulled up the information on my phone and gave that person the information that appeared in my bank account info showing it was paid. Because the information showed MNet 's phone number she said it was not sufficient to identify in their system. She said I would need to produce a bank statement. I am not going to send a bank statement with my personal information to this debt collector because their system is too antiquated to reflect that the payment was made was made SIX WEEKS ago.
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I had outstanding state taxes due to the Georgia XXXX I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the XXXX. The Equifax credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien XXXX stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Equifax Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (TX)

I have a substantial credit balance on my Chase credit card. I requested a refund from the bank which holds my credit card approximately two weeks ago and then I called a week ago to resubmit my request because no action was taken. The customer service representative on each occasion said check was ordered to be sent. I contacted the credit card company today and requested an acknowledgment that the credit balance was to be sent to me via check as promised. Each time I ask CUSTOMER SERVICE for an acknowledgment they refuse saying thats not their policy. Chase is refusing to refund my credit balance as promised and is using my money without paying me any interest.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I purchased a trip to go to XXXX in XX/XX/XXXXXX/XX/XXXXwith XXXX XXXX travel. The trip cost a total of {$5600.00}. I paid for this in 4 installments : {$1500.00} on XX/XX/XXXXXX/XX/XXXX {$2000.00} on XXXX/XXXX/XX/XX/XXXX {$1000.00} on XXXX/XXXXXX/XX/XXXXand {$850.00} on XX/XX/XXXXXX/XX/XXXX. Unfortunately due to COVID this trip could not take place. The company wrote me an email stating they would not be offering refunds but they would be postponing the trip to XXXX. I received a Credit for the full {$5600.00} to use for a trip in XXXX. However on XX/XX/XXXX I was told that XX/XX/XXXXtravel was now in administration and is no longer trading as a business. They have cancelled all future trips. I was advised by XX/XX/XXXX to contact my credit card which is a Chase Visa and asked to contest the charge as the goods and services provided were not received. Chase denied my request as they stated too much time had passed. I called and explained that the reason all the time had passed was because the trip was initially rescheduled. There was no reason to contest a charge when I was promised what I paid a year later. The customer service rep suggested I resubmit my claim to include the email promising the trip in XXXX, the credit, and then the letter I received about administration. This was again denied. I spoke to a supervisor again XX/XX/XXXX who again stated that it had been too much time since my charges. They advised me not to resubmit unless I have new information. However, my understanding about visas rules are that, the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. So I don't think the window has closed. And I believe I am entitled to the {$5600.00} I paid for a trip that the company will no longer be able to provide.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Yesterday, during a routine call to Wells Fargo to order checks, the employee said I was eligible for a better credit cad and referred me to another employee in South Dakota named XXXX. He examined my accounts and discovered that I had two checking accounts and no savings account. He suggested repairing this situation, and did. Today I read in the paper that Wells Fargo employees have been issuing unwanted accounts and charging us for them. Wells Fargo has been fined a lot of money. Am I eligible for some of it?
Consumer complaint received 2020-05-27
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. (TX)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Refund at XXXX against Chase debit card process approved, but it was to a closed account on XX/XX/2020. Called Chase, informed me to go back to XXXX. Went back onsite to XXXX and called Chase back together and Chase unwilling to assist. XXXX referred back to their sales admin staff. Called and talked to XXXX sales admin and they again redirected back to Chase. Went to Chase onsite and still refused to help and not willing to call XXXX together to resolve. Both parties are denying and unwilling to track down the funds. Amount owe that is in one of their suspense accouint is {$420.00}. It's been almost a month and they keep on shifting blame and giving me the runaround. This is also a Reg E violation as we informed Chase and there was no record, filing, and lacked follow up.
Consumer complaint received 2016-11-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MD)

hello my name is XXXX XXXX recently i walked into my bank and requested to stop payment on my my bank account with wells fargo, the bank teller said she will close out my old account and open me another account and all of my reccuring payments to any company will stop since they will not have my new bank account number. wells fargo also sent me a letter saying i have to contact a list of companies if i would like for them to debit my account every month as they did on the old account. well i never called any company and disclosed them my new account number but somehow wells fargo let XXXX XXXX ach withdraw out my account for the sum of {$2300.00} even after i told them to put a stop payment on my account and the teller said she would close out my old account and open a new account to avoid the ach withdraw. i gave XXXX authorization to debit my old account but i didnt give them permission to debit my new account. this is totatlly violating my rights as a consumer.
Consumer complaint received 2021-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.