davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Social Finance, Inc. (NJ)

Advertising for card said unlimited 2 % cash back. After signing up and receiving the card noticed the fine print. Saying it's actually 2 points for every dollar and depending on how you redeem it could be worth 2 %. If pure cash, it's only 1 %.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX we called Comenity Bank ( XXXX ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. 

Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. 

It took us a very long time to figure out how or who to contact with XXXX  about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. 

We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Consumer complaint received 2021-03-31
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: National Credit Adjusters, LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... NATIONAL CREDIT XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I received a copy of my Credit Report in XX/XX/XXXX Upon reviewing the information I requested EACH Lender/Account BELOW to be verified as well the Validation of Debt Or Delete this Account from my Credit Profile. 

I have sent letters to ALL ( 3 ) Bureau 's XXXX & XX/XX/XXXX in regards to removing or verifying the Account or Debt. 

As of TODAY XX/XX/XXXX ( 6 ) Accounts Remain on my Credit Profile out of ( 15 ). 



Approaching my 4th & hopefully FINAL letter that I will be sending out. 

My hopes are that the accounts are removed ALL 6-15 Accounts that are remaining on my Credit Profile. 

If the accounts can't be verified it should be removed immediately. 

I did also send out Goodwill Forgiveness Letters to inform them that I am on Dissability My Doctor wrote me out of work in XX/XX/XXXX due to the Coronavirus Pandemic cases are rising not safe for me to be out in public risking my health I have an Auto immune Deficiency XXXX XXXX XXXX I can provide that documentation from the doctor as well.
Consumer complaint received 2021-03-31
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2021-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XX/XX/2020, {$490.00}, Coming of deferred payment due to Covid 19 reported my account 30 days late
Consumer complaint received 2021-03-31
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-31
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: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, a new patient to our XXXX practice, XXXX XXXX, was seen for an XXXX XXXX, XXXX XXXX, and XXXX  which totaled {$1200.00}. The patient, XXXX XXXX, received the XXXX  on XX/XX/XXXX. He complained that the XXXX  thickness was too thick. We spoke with him regarding his high prescription ( XXXX ) and offered to send the XXXX back to the laboratory to remake the XXXX  and try to improve edge thickness. We spoke with Mr. XXXX on many occasions regarding the status of the order without incident. On XX/XX/XXXX, Mr. XXXX was dispensed the XXXX  via XXXX. XXXX with a pick up signature. Later, we discovered that previously on XX/XX/XXXX Mr. XXXX had already filed a chargeback with his credit card company stating he cancelled the order. Our signed policy strictly states the patient has 24 hours to cancel the order. We sent documents to the credit card company, JPMorgan Chase Bank, disputing the claim and referencing the XXXX XXXX, XXXX, and the pickup signature. The merchant services initial debit our account ( {$1200.00} ). A dispute letter was submitted. Merchant services credited the account. Later, we receive a second chargeback letter on XX/XX/XXXX. Merchant services debited the account again stating the customer cancelled the order. We have now filed legal action against the fraud. We are filing this complaint against JPMorgan Chase Bank for allowing their customer to not pay for goods and services provided. Mr. XXXX has stolen the XXXX and has not paid for professional services at his request. We have clearly submitted documents confirming actual events, however, JPMorgan Chase has acted in favor of their client 's claim without any supporting evidence or documentation. We believe JPMorgan Chase is culpable in this complaint due to negligence in not examining all documents supporting our claim or simply ignored it. And, unilaterally supported judgement of the chargeback without evidence to the contrary. JPMorgan Chase upper management should be alerted of this practice and provide additional training to the department which has poorly handled this dispute.
Consumer complaint received 2021-03-31
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. (FL)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-03-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In XXXX of 2020, my husband lost his job due to XXXX. Our mortgage payment was paid but it was late that month. We managed to figure out a new budget and have not been late since. I have asked Bank of America to please remove the late payment from my credit report citing the CARES Act. Under the CARES Act lenders are expected to not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Also detailed under the CARES Act, lenders are required to report accounts as current. 

I've called Bank of America numerous times and they just won't help me with this. I have been told that I can sign up for a hardship program but that would only assist with future payments. I do not need to sign up for a hardship program to defer future payments. 
I am not asking for payment forgiveness or deferral. I'm simply asking to not be punished for XXXX late payment at the beginning of the pandemic.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

" WARNING '' Medical Revenue Service shared a copy of my personal medical treatments. I did not give orginal creditor my consent to share PHI ( ( protected Health Information ) with any collection agency of such balance/ treatments. This was a violation of my HIPAA rights. Please be aware that HIPAA allows for fines in the amount of {$10000.00}. Per violation. This account must be deleted immediately off my credit report for violation of the HIPAA LAWS!
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal has held a balance in the account for 180 days and want to hold for another 180 days. There's no access I can't accept, withdraw or transfer funds and they say I'm a buyer and that isn't true. The honest truth. I've given my driver license and have even linked my bank account and debit card. They won't respond to my calls or emails and I need my funds of {$1300.00}. It's not fair and I'm so very frustrated.
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Each month my payment is sent from XXXX XXXX between the XXXX and the XXXXThe loan is {$1300.00} each month, I started sending {$17000.00} about 3 or 4 months ago, I had been sending {$1600.00} before that. Before my account. was sold to this company, I never had trouble with the additional payment. Now I am being charged late fees for using thier payment plan. I have the loan thru a loan company. but a collection agency handles the account. LOANCARE XXXX. XXXX XXXX XXXX XXXXXXXX, VA XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX, VA XXXX XXXX A charge of {$51.00} for late fees.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Money Management International, Inc. (CA)

I was referred to Money Management International by my bank as a method to overcome a mounting credit card debt issue pertaining to unsteady employment. I had previous consolidated with a personal loan but quickly built up the balance on my cards again. MMI set up 5 year plan, and most accounts are being repaid on schedule except for the largest account, the personal loan. In the nearly three years so far, several payments have come in close calls of being late. Despite the money being taken from my account the month prior. Check are lost and the follow up process is often left to me. This particular occasion a check was unaccounted for for nearly 25 days, and luckily my loan service reached out and I was able, with some financial strain, to make that payment directly. 

Reaching out to MMI they said they would send their research team on it, and would determine if the check was lost. I updated them with all the information from the lender and gave clear instructions to cancel their check and refund my payment. They refused to comply saying they must determine if other checks from other payers are included in that lost batch so therefore I must wait at their convenience to receive a credit. 

I spoke very clearly to the customer service a second time, after not receiving follow up from the research team, that I can not trust a company that puts the error of lost payment on my burden to solve and cover, let alone wait 30+ days for a resolution. I have not received any resolution and my financial status is strained because of this. I have never been late with my commitment to MMI and I feel trapped.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identy theft and the inquires listed below are a result of the identy theft XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NC)

In mid XXXX Discover Card sent me notification via mail and phone that I was delinquent on a my Discover card and that I owed them {$9500.00} which I disputed and asked them for proof that this was my loan. Discover never provided any such documentation. The Discover hard I did have was closed with the highest balance being {$5600.00} to the best of my recollection. I pulled my credit report and did see the closed account, and also the account discover was referencing. Discover never provided me with any contract or proof this was indeed my debt, but they did add it to my credit report. 
In late XXXX I was issued a court summons, Discover using a private debt collection firm called XXXX and XXXX was suing me for the debit. I filed a sworn statement of denial of the debt, and asked the court to dismiss the case. While waiting for the date, XXXX and XXXX filed a motion for summary Judgement. In my response I stated this was not my debt again. When I appeared in court the attorney representing Discover called me into a room where she tried to coerce me into paying the debt. When I refused, it went before the Judge. The judge was angry at a previous case and read over mine, said I do not see any denial here and ruled in XXXX and XXXX 's favor. Over the last 8 years I have been sent repeated letters threatening action, and attempting to get me to pay for the debt. I have been unable to refinance my home, or do many normal credit related things, including help my aging mom a home recently, Also over the last 8 years as my credit began to improve Discover card began sending me pre approved credit offers to attempt to get me further into debt. The entire time they were sending letters to collect a debt on a fraudulent judgement against me and my only home. I saved over 17 pre approved credit offers from Discover card, and have XXXX of the debt collection letters one from XXXX and XXXX from XXXX. The credit offers are from various years and some were never opened. All addressed to me offering me " 0 percent rates '' and " XXXX XXXX ''. Some of the offers are even personalized inside, addressing me by name saying how Discover wants to help me. All the while they have a fraudulent Judgement against me, for an amount I never owed, that is preventing me from living my life and helping my family, We are trapped HELP PLEASE Amount XXXX and XXXX / Discover say I owe is : XXXX for account ending in XXXX. Original Judgement for XXXX ( not my debt ).
Consumer complaint received 2021-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/21 I received an email after applying for a personal loan on a website XXXX  XXXX directed me to. It took me through several applications from different places and I filled them out and when I checked my email later there was an offer XXXX at 6 % from XXXX XXXX at XXXX XXXX. XXXX. I called he asked for banking info and that was a big no go on my part. So he said I could pay the XXXX $ with a XXXX XXXX activation card which in my head at the time made sense bc he was telling me he was western union the loan. Well I could not find the card so he said get XXXX play got it he said since I have bad credit I had to make a one time payment of XXXX $ paid it. Then he said I still could not get it bc I had to pay state tax XXXX XXXX Im such a dummy
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On the morning of XX/XX/21 @ app. XXXX. I called cash app customer service number that was listed on line regarding an issue. I called seeking help, however I got taken advantage of. I called because I sent my son XXXX $ via cash app and I asked him dd he receive it, he said no. So my first instinct was to call customer the service number. There is no way to reach out to any customer service representative through the app. There isn't a email connected to the company or a number connected neither, which led me to XXXX the number online. I called the number posted online, someone picked up, I explained to them what happened, then then told me that they would help me. They asked my name and the general information someone would ask to verify an account. They told me they see the issue and that I also needed to download an app called XXXX XXXX to help navigate me properly through the app. ( it allowed them to see my screen on my phone ) we went to customer support an other credible places in the app and then they told my to click on XXXX. and to click on the option of XXXX XXXX I wasn't sure what exactly what was going on because i'm not familiar with XXXX. so not only was I still out of the XXXX, now i'm being scammed out XXXX more dollars. at this point i'm getting upset because i'm noticing money being taken from my linked bank account. they were able to change the account number to my cash appp account from there end. I was in the process of hanging up, they told me that the money that was taken from my account would be returned along with the original amount of XXXX, XXXX if they can have access to my sons account. They got on the phone with my son my son verified his account as well they accessed his account as well and that's when they were able to take everything. They also scanned his I.D . and his face. ( This didn't alarm me at the time because these are things you have to do to verify your identity when you set up a cash app account. ) I then got upset and told them to give me my money or I was done. at this time I knew something wasn't right. They kept telling me that they were having technical issues that's why were having problems, and was having issues reversing the money. I told them that I have a cash app debit card if that would help that they could send it to. They said I would have to only go to a XXXX  ATM to receive my money, and that I will receive my money in full, cash, so my son and I drove to a XXXX machine on XXXX XXXX XXXX ( in a gas station. ) They gave us a code to put in and we also had to add XXXX additional dollars in order to active the XXXX machine.Of course it didn't work. I finally hung up and reported it to my bank and went to the police station shortly after that. And the police confirmed I was a victim of a crime.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I have tried to resolve with the Wiltshire consumer Capital. I have tried to contact and sent email to them multiple times, they have not responded or put any effort to help with resolve the issue. They are reporting that i was late on my payments however that was never the case.