davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

someone hacked my chase debit card in XXXX. I live in XXXX. there was about {$1500.00} in charges. Chase gave me credit for the charges at first then put {$350.00} in charges back on my account. They told me because a card was used with the chip and pin number and that is impossible to duplicate. i offered them proof that i was in XXXX at the time and they said it would do no good and then accused me of giving out my pin number. I sent them a video of 2 police officers showing how these cards are duplicated and how they steal your pin number. Then they told me it doesnt matter it is too late now because they looked into it twice. one charge was for XXXX with {$40.00} cash back at rite aid in XXXX XXXX XXXX on XX/XX/2018. the other charge was at a lowes in XXXX XXXX  for {$200.00} with another {$40.00} cash back on XX/XX/2018. They told me a police report will do no good either. so because of chases incompetence in their security im out {$350.00}. Please help me to recover my money. I already closed all my accounts with them since they can not keep y money safe!
Consumer complaint received 2018-07-13
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: Experian Information Solutions Inc. (CA)

Experian, XXXX, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3.XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX # XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX  XXXX # XXXX
Consumer complaint received 2018-07-13
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. (UT)

XXXX  and Equifax are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information XXXX  and Equifax was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened a fraudulent personal loan under my name and social security. I've personally complained to the company directly at least over 10 times. All Wells Fargo has done was open and close cases without addressing any issues. They make false promises of throughly investing my claim or returning calls to management call backs none which has taken place. Ive went about and beyond sending all requested documents to even sending letter and travel documents to prove I wasn't even in the states to open the account. My claim has failed on deaf ears. I've tried to escalate to the highest level in Wells Fargo but nothing has been done.
Consumer complaint received 2018-07-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

On XX/XX/2018 I have type out and mailed a certified letter to a creditor Conserve in regards of amount I owe of XXXX. I requested a validation, of competent evidence Bearing my signature, showing that I have ( or ever have some contractual obligation to pay them. conserve has failed to respond, or have my account disputed.On XX/XX/2018, I have written a second goodwill letter, in response to them ignoring my 1st letter. Evidence is in attachment, with name and account number.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (KY)

Fees charged to business semi annually, because they have not had any activity of any customer using a XXXX, XXXX XXXX or any card during this period. My company accepts all major credit cards, but mostly they use Visa, MasterCard, If they have other cards we accept them also, I feel it is unfair to a business owner to charge them a fee because no activity of a certain credit card was used during this time period, A Business can not help what type of card a person has, we pay, as it is, for the cards we do take. Why should we pay for a card that someone didn't have, to me this is so wrong and I am being charged for something I have no control over, if this is the case, I will be forced not to .take any card except debit with my bank. To me this is the same as stealing money from a company, because someone didn't use a credit card.
Consumer complaint received 2018-07-14
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)

I contacted XXXX XXXX to inquire about the remaining balance owe they say i owe them in the amount of XXXX thats apprearing on my credit report. {$10000.00} is total amount of the car which i leased from XXXX XXXX in XXXX. I paid on the car 2 years before it was repod. I called XXXX XXXX and spoke with XXXX and XXXX about the balance and was told the car was resold for XXXX in XXXX which was suppose to be deducted from the balance that ive already contributed to. From XXXX to the present, XXXX XXXX has been reporting inaccurate info on on credit report mainly Equifax and also late payments. Surprisingly after the conversation with this organization they reported AGAIN involuntary repossession on my Equifax report which caused my score to drop 78 points out of spite. Also while looking over my credit report it seems as though they changed at date from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

My complaint is both XXXX and Navient are reporting the status of an account with two different account numbers XXXX # XXXX and Navient # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally XXXX continues to contact we and not my attorney who is currently handing my account via POA.
Consumer complaint received 2018-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gregory Alexandrides, LLC (MD)

I contacted the Law Office of Gregory Alexandrites, LLC via phone requesting that they validate not verify a debt they are attempting to collect from me they claimed I owed and was informed I had to request it via email. I specifically asked for a Statement of Accounts and requested validation on five different occasions XX/XX/18, XX/XX/2018, XX/XX/2018, XX/XX/272018 and XX/XX/2018, along with 4 different occasions via telephone yet the firm failed to provide the requested information and has ignored the 4 voicemails I have left for their office manager XXXX . They then sent me a final notice letter after not responding to any of my request threatening to file a lien on my property. They have not provided me with any statements or validation after my numerous requests. I have attached supporting documentation. I am asking them to provide the requested information or cease harassing me.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (TN)

Dynamic recovery solutions has repeatedly sent bills and invoices and has refused to send verification of debt. When informed that I know I have the right to validation they argued saying that they could not send any further information. They began offering to settle the debt for smaller amounts and still stated they couldnt send information in writing.
Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (VA)

XXXX has closed my XXXX, XXXX, and XXXX XXXX without notice. They stated it was due to inactivity. They have currently suspended my credit line with XXXX XXXX and insist that they must do a hard inquiry in order to reactivate my credit line, or it may close the  account. 

Responsible credit usage should weigh more than the number of inquiries on ones credit report. As it is a car deal had run multiple credit inquires for a purchase of a vehicle bringing my credit rating down. I have been actively trying to keep my credit clean of any lates, always pay on time, and this is how XXXX is rewarding it's users.
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (TX)

I placed order XXXX cell phone on XXXX/XXXX/2014 through web & I received the phone on XXXX/XXXX/2014. Then I returned that wireless device to local XXXX wireless in XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2014 within 14 days with restock fee {$35.00}. And I contacted XXXX Customer Service. But this company has afflicted me by continued attempts to collect debt I do not know. So I had called Customer Service a lot and I had spent my time too much. To make matters worse, I have had to be exhausted by XXXX debt collectors over 1 year and 4 months. Therefore I am claiming my case to CFPB. I still have a receipt to return.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I opened a bank account with Wells Fargo, was told I was approved, ordered checks, was given a temporary debit card, deposited money into a checking and savings account. Then received letter in the mail stating my accounts were being closed and they would return my money. I lost my job and faced financial hardship years ago during the recession, I owed Wells Fargo money which I have since paid off and worked hard to re-establish my credit. I went to Wells Fargo for their second chance banking account, believing they wanted to give people a second chance. When I applied I was told I qualify for a normal checking account so I got that instead. Only to be told later they do not want my business for a mistake I made years ago and am trying to make amends for.
Consumer complaint received 2019-02-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

I have tried several times on my account in order to be able to repay some money to another person. It was not possible, any credit card ( even prepaid ) I put them did not verify it. They blocked an account without even giving me the chance to give back the money to the buyer. It's XXXX dollars.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Continental Services Group, Inc. d/b/a ConServe (NJ)

After consulting with an agent Concerve collection agency, hoping to repay this loan, i was notified by my Employer about wage garnishment. 
this transaction begins XX/XX/XXXX and ended on XX/XX/XXXXA certification document was forwarded to my Employer about cancellation and released Yet still various notifications have been forwarded to me, in the same format of collections and wage garnishments. 
I have paid the amounts listed, but continued to received other notifications of owed monies and interest rates. 
Since paying off the principal amount, and also the second assumed debt, i have since received bills for cents amounts. 
This is creating an depressing situation upon my psyche as per when does this error and continued creation of bills end .Thank you.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Experian has account number XXXX with syncb/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
Consumer complaint received 2018-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of identity theft. The following accounts and credit inquiries are listed on my XXXX XXXX and Trans Union credit report, are all fraudulent and unauthorized : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DC, XXXX, XXXX, XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, i never applied for credit or accounts with any of the creditors listed above.
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Weltman, Weinberg & Reis Co., L.P.A. (KY)

Due to my mother passing away on XX/XX/XXXX, and my maternal grandmother passing away on XX/XX/XXXX, I ran into financial difficulty and my private student loans that I was paying on became in default status. My mother and grandmother 's estates are being handled but I am paying out-of-pocket for some costs of both estates until things are finalized with the public administrator. I was not aware that my private student loans were in default status until I was contacted by phone in XX/XX/XXXX from the debit collection company Weltman , Weinberg & Reis Co., LPA to persuade me in getting my {$16000.00} private student loan paid off. The rep tried to help me by stating options of getting a loan from my credit union, insurance companies and any other means of paying off this loan amount. To no avail, I did not have the above amount nor could I borrow this amount of money and pay back. Several days after on Monday, XX/XX/XXXX, I had a phone interview with Ms. XXXX, certified loan officer with XXXX XXXX XXXX ( XXXX ) who stated according to the scanned copy of my private loan that I emailed that I have an option of forbearance that I can let the debit collection agency know about. Per XXXX 's advice, I also made an appointment on XX/XX/XXXX with a legal attorney, XXXX, who recommended that I send certified letters requesting a forbearance and the original contract and promissory note. The certified letters were sent on XX/XX/XXXX and on XX/XX/XXXX, I received the returned receipts signed by Ms. XXXX XXXX. Several weeks went by and I did not receive a response back regarding the forbearance. Towards the end of XXXX, I called the debit collection agency an spoke with the representative XXXX and after a round and round discussion, I finally received a point blank answer of " no ''. They did not receive the certified letter regarding the forbearance. After much frustration with this debit collection agency, I reached out again to the legal aid attorney Ms. XXXX who recommended a file a complaint. On XX/XX/XXXX the debit collection agency sent me ( 2 ) settlement letters stating they could offer me a 70 % settlement on my account. I would need to pay {$5700.00} for one loan and {$5900.00} both amounts would be due by XX/XX/XXXX. If I am requesting a forbearance for the private loans what makes this company think I could pay a 70 % settlement? Isn't that the reason why I would request a forbearance in the first place? Because I am having financial difficulty. Unbelievable. Please help!!!
Consumer complaint received 2018-07-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (GA)

On XXXX-XXXX-2017, I sold my house to my son. During the process, I sent Quiken Loans a copy of the property taxes that I, the seller paid in full for tax year 2017 to XXXX XXXX, Georgia. Once the house closed and I received my final check, I realized that the loan company had deducted the property tax of {$1500.00} from my final check! After talking to three people including upper management, I was told that in order for me to get my money back I would have to get the money from the buyer or the buyer would have to re work his loan to add the funds to his loan. These taxes were paid in full as required by law before this loan was finalized. Quiken Loans kept this money to pay taxes that were already paid upfront in full. That's double taxation on the loan companies part! They, Quikin loans, had no write to require me or the buyer to pay a bill that was already paid as required before the loan was finalized. Therefore, I want, deserve and demand my {$1500.00} back in my pocket where it rightfully belongs!!!
Consumer complaint received 2018-07-13
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. (IN)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Equifax and XXXX certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.
Consumer complaint received 2018-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent XXXX and Trans-union certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to  address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

Hi, PROFESSIONAL DEBT MEDIATION, INC on behalf of XXXX XXXX has been trying to collected an amount of money that is not owe because according to the Florida statutes 83, appliances and all the stuff they are charging me have normal wear and tear and it can not be charge to the tenants. I rent the apartment in XXXX, while this apartment was seven years  old already by XXXX. All inside the property was already in bad conditions and it is reflected on the move-in list. After moving-out in XXXX, ten years more of use plus the 7 previous years, the apartment was with 17 years of antiquity. I have proofs, like photos, the move-in/move-out report, and a letter that confirms that all the payments were always made on time. This situation happened in retaliation from the management, because they were reported for not replacing the carpet after 17 years, for not renewing our contract and for request a first floor to move in for a XXXX apartment. Since I was force to move out due to their retaliation to other place, I was unable to fight this Debt in court and I do not have the money for pay a lawyer to represent me. I already sent professional debt mediation, Inc all the proofs I have, also I reported it to the consumer report in XXXX Florida, which were unable to help me and they send me a referral for an attorney. I did my complaint with XXXX XXXX Consumer Report because this property is a low income property that is offer and sponsored for the XXXX XXXX County. All the charges are unfair and illegal.
Consumer complaint received 2018-08-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CURO Intermediate Holdings (TX)

Your continuous calls and such conduct has caused me to suffer severe humiliation, embarrassment, emotional distress and physical discomfort. Please take note that any unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. I am being caused mental anguish because of these unfair debt collection practices. I will be seeking and filing mental anguish and economic damages due to these deceptive trade practices. I will seek financial relief and any further contact will be recorded. Please refrain from the abuse or I will continue to file complaints and contact others that have had similar experiences to start a rally against your company.