davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/XXXX, I saw a credit inquiry from Synchrony Bank ( PayPal ) on my XXXX account. I called Synchrony 's number and reported that I have no accounts with them, and did not know why a credit inquiry was made. They said they would take care of it, and report any activity as unauthorized. Nothing else occurred until next year in XXXX. 

In XX/XX/XXXX, I received a XXXX from PayPal Savings ( Synchrony Bank ) claiming I received {$42.00} in interest income, despite not having opened a PayPal Savings account . 

Suspicious, I called their customer support and explained that I had never opened a PayPal savings account. When I gave them my SSN, they found 4 unauthorized PayPal savings accounts opened with emails that are not mine. The phone number tied to the account was from XXXX, Florida ( I have never been there ). They froze the accounts and said they believed my identity had been stolen.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-01
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. (PA)

Equifax Confirmation # XXXX XX/XX/XXXX Equifax hasXX/XX/XXXXXXXX XXXX XXXX XXXX  PA XXXX in which I have not had since XX/XX/XXXX which is wrong reporting information and not correct.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (UT)

XX/XX/2021 call from amazon stating fraud charges on my acct. Over {$1300.00} from a book club in CA Press # 1 talked to XXXX XXXX (?? ) told him I was not at home to use my computer and to call me back later. Was told not to give personal info to anyone. Found out it was a fraud call and did not answer any return calls ( about 6 ).
Consumer complaint received 2017-07-07
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: AES/PHEAA (CA)

XXXX/AES both utilize a glitch in their computer system to collect more late fees/interest on student loans. I started paying back my student loan in XXXX, 2006, and I am 2-3 years ahead in paying back student loan. However, AES indicated to credit bureaus that I was late 60-90 days, when in fact I was ahead 2-3 years ahead in paying back my loan. Whenever a person is 2-3 years ahead in paying back loan, and if they are set up on direct debit where the system/loan gets paid automatically by direct bank payments, the computers start thinking that a person is late once the direct bank payments stop. The computers do n't consider that a person was ahead 2-3 years ahead of paying back loans, and immediately start indicating a 30/60/90 day late notice when no late notices should be charged as person can be ahead 2-3 years. The staff/people at XXXXAES are aware of the glitch, however, they still collect on late fees/interest when we are 2-3 years ahead of paying back loan. I have been waiting patiently for AES to refund late fess and remove negative information on credit reports, but they have failed to do so. It Is against the law what these companies are doing. If you note on attached documents, AES indicates that no payment needs to be made for several months, but on the other document, it states that I am past due 13 days. They ca n't have it both ways, and I am over 2-3 years ahead of payment schedule.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (TX)

I filed for a Loan Modification in the month of XXXX XXXX. I only received 2 denials by letter when I was told by one guy there on the phone there were over 25 programs and surely, I qualify for one. I was also told that they were easier to get a loan modification from than XXXX. On XXXX/XXXX/XXXX, I called them and asked what was going on totally expecting to get a lone modification. I was informed I was denied. I was then told that they felt I could afford the house. 
I HAD PROVED THAT AFTER THEY RAKED ME OVER THE COALS IN SEVERAL VERY HEATED CONVERSATIONS WITH MY INCOME. THAT THERE WAS NO HARDSHIP BECAUSE I COULD AFFORD THE HOUSE SO THEREFORE NO LOAN MODIFICATION. I HAD BEEN IN 2 WRECKS WHICH I SENT THEM ALL THAT INFORMATION. THIS WAS A 49.3 MINUTE PHONE CALL ON XXXX @ XXXX, WHERE I ARGUED WITH THEM. MY HOME WASNTHEN SET UP FOR FORECLOSURE ON XXXX/XXXX/XXXX. 
I FEEL I HAVE BEEN DISCRIMINATED AGAINST, AS A SINGLE WOMAN TRYING TO KEEP MY HOME. 
I WAS BERATED AND TOLD I COULD NOT AFFORD MY HOUSE SO NO LOAN MODIFICATION. THEN I PROVE I CAN AFFORD IT AND I AM STILL DENIED. 
I HAVEN BEEN DENIED ALL HARP AND/OR HAMP WHICH EXPIRED IN XXXX. I WAS ALSO DENIED THE PRINCIPAL REDUCTION MODIFICATION PLAN OFFERED BY FANNIE MAE. 
I was denied a loan modification of any kind, loan reduction, Principal reduction, balance forgiveness and loan term extension. I have been put through XXXX, ruined my credit by filing bankruptcy to keep my home over and over. The stress has affected my health and I was still healing from the wreck. I am on pain meds and muscle relaxers daily. Instead of offering me a solution they put my house for AUCTION and they blamed it on Fannie Mae and it was their decision, THAT I WAS NOT APPROVED. 
My loan PAYMENT WAS RAISED SEVERAL TIMES ON AND OFF WITH NO NOTIFICATION. 
I would also like a review of what is owed. They sold it when it was scheduled for auction on XXXX/XXXX/XXXX. I was never notified of the cancelled auction. 
In have no family, but my children. This is my home. My credit is ruined. Im severely stressed. I HAVE BEEN ON A ROLLER COASTER WITH MY HOME AND AM NOW IN BANKRUPTCY AGAIN BECAUSE THEY SOLD IT TO XXXX XXXX. 
THESE EMPLOYEES AT XXXX AND SETERUS GET PAID BONUS FOR GETTING PEOPLE OUT OF THEIR HOMES. XXXX ALWAYS TOLD ME THAT IT WAS ALL FANNIE MAE 'S DECISION AND NOT THEIRS. EVEN THOUGH XXXX TOLD ME THEY PUT IN THE INFORMATION IN THIS HUGE MACHINE/APP AND IT FIGURES IT OUT BUT TAKES 30 PLUS DAYS. I ALWAYS WAITED ON PINS AND NEEDLES WITH BOTH XXXX XXXX  XXXX AND SETERUS. I HAD TO GO THROUGH ONE BANKRUPTCY BECAUSE XXXX  UPPED MY PAYMENT {$XXXX} RIGHT AFTER I SIGNED THEN LOAN. 
I HAVE BEEN TERRORIZED FOR THE LAST 4 YEARS AND SUFFERED THROUGH LAST 9 TRYING TO KEEP MY HOME. 
THERE NEEDS TO BE NEW LAWS TOO MANY LOST THEIR HOMES AND WERE TREATED UNFAIRLY.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I bank with Bank of America and have XXXX through the mobile app. My account was hacked and someone attempted XXXX seperate transactions through XXXX to another party ( $ XXXX $ XXXX {$500.00} ). Only one transaction went through, {$350.00}, and the other XXXX were stopped. I filed a complaint to Bank of America and after 10 days they concluded there was nothing to be done as it appeared that the transaction had come from my device/account even though I was hacked and declined the XXXX {$500.00} charges when the text was sent to my phone asking if I authorized.
Consumer complaint received 2018-02-01
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: Experian Information Solutions Inc. (CT)

I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason XXXX XXXX XXXX  - XX/XX/ XXXX -XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX- XX/XX/ XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX - XX/XX/
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In went on XXXX XXXX as I had a foreclosure and enough time had passed so I wanted to work on my credit. I located a DEBT {$870.00} with Midland Credit Management ( MCM # XXXX ) for a XXXX XXXX Bank ( # XXXX ) credit card. 
I DID NOT APPLY FOR., RECEIVE, and/or USE a CREDIT CARD. 
I tried to call and speak to Midland, they were rude. I called XXXX XXXX Bank. They were helpful, in the fact, they let me know date the account was opened XXXX/XXXX/XXXX. The address that was used for the credit card : XXXX XXXX XXXX XXXX XXXX, FL. The date they sold the account to Midland Credit Management, XXXX XXXX. They instructed me to call Midland Credit Management back and request a Resolution Letter/Fraud Packet. I did same. However all Midland Credit Management sent was a BILL for the {$870.00}. I never received the Fraud Packet. 

This is NOT my debt. I was married and lived at that address at one that time. HOWEVER, I divorced and moved to XXXX in XXXX XXXX. 
My Divorce was Finalized XXXX XXXX. 
This account was XXXX XXXX XXXX. 
Again I did NOT live at the Address of XXXX XXXX XXXX XXXX XXXX. FL when the account was opened and used. I did not apply for any credit card. I obviously never received the credit card as I had not lived there for almost XXXX XXXX. However, my ex-wife DID live there at the time the account was opened. As we were once married, she knows my Social Security # etc. I can not say she is the one who did this, but it appears she had means and opportunuty. And during this time she has multiple arrest for fraud, stolen property etc, as a result of her drug habit. 
I sent BOTH XXXX XXXX Bank and Midland Credit Management a Certified Letter stating the issue andagain asking for a FRAUD PACKET, a copy of the APPLICATION, a copy of the exact CHARGES and locations of those charges. 
XXXX XXXX Bank responded they do not own Account to contact M idlandCredit Management.
Midland Credit Management responded that they " investigated '' and determined it was a correct debt.??? 
How is that possible? Someone FORGED my name, USED my Social Security #, basically STOLE MY IDENTIY, ran up a debt under my name. 
How is this a legitimate debt? 
I NEED and DEMANDED from MIDLAND CREDIT MANAGEMENT to provide me : 1. Fraud Packet 2. Copy application including signature card 3. Copy Ledger of each of the purchases ( dates/location/amounts ) assocaited with this debt 4. Verification of exact date and address the credit card was mailed. 

Again I have been repeatedly DENIED this information. 
I need this information to file a Criminal Case with the XXXX 's office. 

I need assistance. Someone STOLE my identiy and Midland Credit Management is REFUSING to provide me information that I need to 1. determine WHO stole my identity and 2. pursue a criminal case against that person. 

I can be contacted at XXXXXXXXXXXX or XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. 

Thank you XXXX XXXX
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I made a Bill Pay dispute with Bank of America. I filed a police report and sent in all the requested information so that they could begin their investigation. A year and a half later, on XX/XX/XXXX, I received a message in my online Bank of America message portal that they have received the necessary information needed for us to process the return of your funds and that the funds would be credited to your checking account within 3-5 business days. 

It is now XX/XX/XXXX and I have not been credited the {$1600.00} to my checking account. I have called multiple times within the past XXXX weeks to understand why they have not complied with the timeframe they designated, and no one can give me an answer. I get passed around from one agent to the next, with several disconnections. 
Please note that I responded to the online message in my bank portal, and no one has responded to my multiple inquiries about the delay. Additionally, I requested a copy of the documents that they relied upon during their investigation both online and over the phone and I have not received them. 

I feel as though I have exhausted all my options with the bank and need support so that they can comply with their own finding. That is, that I am entitled to a return of my funds in a timely manner.
Consumer complaint received 2019-10-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Harley Davidson Financial Services Inc (CT)

On XX/XX/XXXX, i purchased a new Harley Davidson XXXX XXXX motorcycle for {$15000.00}. On XX/XX/XXXX I brought the bike to the dealership for a recall and when I went to pick it up it was gone. It was picked up by the co-borrower and a third party. The sherriff refused to help and it was several months before I got the bike back from the co- borrower. During that time I did not make payments, several phone calls a day came in from Harley Davidson Financial, including additional calls to my place of employment. I lost my job due to the daily calls at work which slowed my attempts to get the account in good standing. As a result a voluntary repossession took place. To make matters worse, hurricane XXXX hit Florida a few days later and was told I could not pay to get it back because it was damaged beyond repair. I was also told, ( by an attorney ), that because the bike was in the posession of the recovery company at the time of the hurricane, their insurance company would have to settle with Harley Davidson. Not long after I received a letter stating it was charged off as bad debt, affected by natural disaster. Now 3 years later, I just received a collection notice for {$8500.00}. Is Harley Davidson entitled to be paid twice? Am I still liable for the loss even though the damage occured elsewhere?
Consumer complaint received 2017-10-06
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. (CA)

the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and equifax and XXXX thank you
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (FL)

I was a Wells Fargo member for over 10 years, I had a credit card with them that went to collection. I was in the process to change jobs when I started to running behind with payments and went to collection. After the account was place in collection I reached them to " pay for delete '' and we were able to settled the account. I paid {$510.00} now the account is XXXX balance. I called to send them a Good will letter so see if they are able to remove the account off my credit report, since it has a high impact on my account, hurting my scores badly. They say that I was able to settle for the 40 % and I still have a balance with them. I told them I have my receipt an I have a balance XXXX. This company is not able to negotiate with no one. I believe this in an abuse of power.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (MN)

I phoned XXXX XXXX XXXX on XX/XX/XXXX to dispute the " adverse '' information they provided to my potential employer, XXXX on XX/XX/XXXX. I was told by XXXX they would only check back 10 years, XXXX went back to XXXX, they then reported to XXXX that there was adverse information from the MN XXXX 's office. When I told XXXX  that I contacted the XXXX 's office and was told that there were no open studies on me nor was I disqualifed, the person I spoke to told me that XXXX asked for any disciplinary action ever taken against me to be added to the report even though it was outside the 10 year time line and irrelevant to the job I was applying for. The disciplinary action happened when I worked as a registered nurse, I have not worked as a nurse since XXXX.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Financial Services offers XXXX through their online banking services as a form of payment. On XX/XX/21, someone set-up a recipient that I did not authorize, nor did I receive an email from Wells Fargo or XXXX asking if this recipient was authorized by me. On XX/XX/21, two separate payments of {$2000.00} and {$1500.00} was sent to a XXXX XXXX. In addition, on XX/XX/21, another XXXX payment of {$500.00} was sent to XXXX XXXX. On XX/XX/21, I logged onto my Wells Fargo account and saw {$4000.00} was withdrawn from our savings account through XXXX to XXXX XXXX. I called Wells Fargo and they started a fraud investigation. I deleted XXXX XXXX from my XXXX account through Wells Fargo. After 10 days, I received a letter from Wells Fargo stating that the transfers were already approved and processed, and they were unable to stop or reverse the funds. They notified the receiving financial institution and the XXXX network about the scam and asked for the funds to be returned but there is no guarantee that we will receive the money. Wells Fargo said the claim was now closed.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I went to a local Chase branch and deposited two cheques that are endorsed to me by my parents. On XX/XX/XXXX, chase closed my checking account and they told me I cant get the cheques back and they cant issue the amount to me as well. They told me to contact IRS to reissue the cheques. On XX/XX/XXXX, we got the response from IRS saying that the check has been paid to the bank and denied the claim of check reissue. Today XX/XX/XXXX, chase said they cant help me further. The moneys still with chase and they wouldnt release the funds to me. The only way is to talk to IRS and tell them to recall the cheques and get them reissued. I have been going back and forth between IRS and chase branch to get my money back, but they both denied my claim.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX XXXX  XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

the account number from wells fargo does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and XXXX and XXXX thank you