davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-09
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. (PA)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (GA)

I had a floor put into both my living room and sunroom via Lowe 's using my Lowe 's Synchrony credit card.

Another Lowe 's contractor was installing a door on the sunroom last spring XXXX XXXX when he point out issues with the flooring that i didnt notice. 

I was immediately contacted by XXXX @ Lowe 's Install Team ( XXXX ) she has been trying for over a year to get the contractor to fix the floor. 

I started speaking with XXXX XXXX at the Presidents Office for Synchrony Bank ( XXXX ) there is a dispute on my card currently for {$2300.00} ( actual is only {$2000.00} ) for door and flooring issues. I was told by the company that NLT  XXXX they have an answer. 

When i reached out next someone from Lowe 's sent paperwork that the floor had been repaired by XXXX XXXX ( XXXX @ XXXX ) which is a bold faced lie and Ms XXXX reopened the claim and pushed it back to XXXX XXXX refused to do any warranty work against their spotty craftmanship cause it was done at 3 different times and they had sub-contracted out 3 different companies ( 1 was their own employee ) They do not want to repair the work at all! 

On XXXX, I spoke with XXXX XXXX XXXX with no real answer ( XXXX haven't talk with either since ) I went into the store and spoke with XXXX the GM ( XXXX ) He was not made aware of this issue that i had been fighting for over a year. 

He offered to look into and i have not heard back from him 2 months later. However on that day he did personally apply a {$500.00} credit on my Lowe 's account which covered {$250.00} against my XXXX XXXX check card, {$220.00} directly towards my issues, and the remain was $ XXXXwas as a round number. 

Prior to this I was totaling between flooring and door issues {$2600.00}. XXXX XXXX could not back me up due to the length of time i had been arguing with Lowes / Synchrony. 

{$2600.00} TOTAL XXXX account credit XXXX gift card XXXX account credit I still have an issue with a XXXX floor that I can not pay someone else to come in and RIP up a 2 year old floor and still pay off {$2000.00} on a card with no recourse
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (RI)

Wells Fargo, appeared o my credit reports, with a balance of over {$11000.00}, I contacted them by mail, since XX/XX/2015 to XX/XX/XXXX. 

I have further written to them, and has provided with police report, and letter, stating that this account was opened fraudulently. 

I was told, that I needed to make payments, in order for this issue, not to be reported on my credit reports. 

Therefore, I have paid about {$4000.00}, or so on this fraudulently account to prevent them from damaging my credit worthiness. I have filed with this Agency before about this issue. Yet, WELLS FARGO refuses to clear this for me, knowing, that I did not apply for any credit cards with WF. 

I have spoken to date with every ne in the customer services dept., supervisors, managers in the fraud department, and with the headquarters/executive officers, Yet, they continue to request payment s on this account, which is definitely were not opened by me. 

How wf opened this account, when I am I A M A VITIM OF IDENTTY THEFT, AS WELLAS A FRAUD VICTIM, IS BEYOND MY COMPREHENSION. ALL THREE MANOR CREDIT BUREAUS HAVE A FRAUD ALERT ONMY PROFILES. 

I Refuse to take any other payments on this account, when they still ruined my credit worthiness, and I WILL NOT BE LABLE FOR THIS FRAUDLENT ACCOUNT. FURTHER REQUEST THROUGH WELLS FARGO, TO EFUND ME BACK EVERY PENNY, INWHICH I HAVE PAID THEM, YETTHEY DECIDED NOT TO ACKNOWLEDGE MY REUESRTS AT ALL, AS FAR AS I AM CONCERNED, I CAN SUE OR OPENING A FRAUDLENTLY ACCDER MY INFORMATION. I INTENT TO DO SO, IF THEY CONTIUE TO NOT COMPLY WITH MY REQUESTS. 

WELLS FARGO IS A FRAUD CREDIT COMPANY, INWHICH, TEHY FRAUDLENTLY OPEN ACCOUBTS UNDER FRAUD VICTIMS PERSONAL INFORMATION, ANDREFUSE TO MAKE ANY CORRECTIONS TO SOLVE THE ISSUES AT HAND AT ALL. a letter from wells Fargo, states an account ending in # XXXX, balance : {$11000.00}, IN WHICH IS ALL FRAUDLENTLY CHARGES ONTHE THE FRAUDENT OPENING OF THIS ACCOUNT, IN WHICH I have never received, JUST BILING S INTHE MAIL. 

THEY Also HAVE MY NAME WRONG : " XXXX XXXX WITH PARTIALLY INCORRECT ADDRES : XXXX XXXX XXXX, XXXX XXXX XXXX ', THIS TOO IS INCORRECT.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My XXXX account was recently hacked. While the account was hacked, the account was disabled due to posting content that goes against their posting policies. I am unable to log into his account or make any changes, and there is no way of contacting anyone at XXXX in any way. Any dispute that is made, is disregarded. My linked Paypal account was then compromised for XXXX by a fraudulent charge set up by the hacker for XXXX  advertising. I have no idea what the charge was for as I have no way of logging into my XXXX account while its disabled, which is where the charge was created. We have attempted to fix this through Paypal, which they are saying they are not at fault, and that XXXX is a reputable seller. We have no way of contacting anyone at XXXX to try and fix and resolve this issue.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

There are several discrepancies with my personal information. The following does not apply to me : Social security numbers related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my spouse I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I applied for a credit card with capital one, and received a denial not because of derogatory information, but because they could not reach me to resolve a reporting error to proceed with the application. Nobody ever attempted to contact me, and I wrote a letter on XX/XX/18 requesting to be contacted and have them complete the application to approve the credit, but have never received any correspondence back from them.
Consumer complaint received 2018-06-12
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: SYNCHRONY FINANCIAL (FL)

I am being charged for dental work that I did not receive I am also being charged for dental work received that is bad. I returned to the XXXX XXXX XXXX 4 times to have the problem fixed and they did not fix the dental work. They are suppose to have a money back guarantee. Not only that but I am being charged for dental work not received. I am also being charged over {$800.00} in fee and interest. I really need to see a dentist who can help me but I would like to straighten this out first. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (IL)

I still continue to receive repeatedly phone call all through the day from WELLS FARGO - ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX
Consumer complaint received 2022-04-01
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. (VA)

The following account is not mine XXXX Account : XXXX The following account is not mine XXXX Account XXXX Please remove from my credit report I disputed collections and still showing on my report please assist.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX, XXXX has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called XXXX XXXX XXXX immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. XXXX XXXX XXXX told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( XXXX XXXX XXXX ) to take care of the matter. I got the run around again. 


XXXX XXXX XXXX XXXX has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that XXXX, XXXX has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

XXXX XXXX XXXX XXXX has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. XXXX XXXX has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for XXXX XXXX at the hearing showed a balance on the account. This PROVES that XXXX XXXX did not follow through. 

Our credit has been damaged by XXXX XXXX and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.
Consumer complaint received 2018-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Debt was result of auto accident XX/XX/2016. Physician consistently failed to bill insurance regardless of information I provided. Bill was given to Transworld whom I communicated with on several occasions. I do not believe they communicated with physician, I communicated with physicians office, yet health insurance was never billed. Physicians office finally billed health insurance, but they failed to file the claim within the allotted amount of years, and was told my portion of payment is {$0.00}. Physician sent an invoice showing that I owe XXXX. Yet, Transworld communicated to me it was a charge off. I provided documents showing that it wasn't and told them that nowhere on the invoice does it show that it was a charge off. Physicians invoice shows I owe {$0.00}. Transworld has been claiming it is in dispute for more than 30 days. Transworld has done nothing to repair incorrect reporting. They haven't even reported it as a " Charge Off, '' even though it is not a charge off. They have done nothing and it has been on my report inaccurately for over a year I am attaching the documents they have received on more than one occasion.
Consumer complaint received 2022-09-11
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. (TX)

Previously reported this company to XXXX and called XXXX directly. Issue was never resolved after years of trying and sent a letter from XXXX showing I was never late but they decided to fraudulently add the same notes saying my payment was late when it was in fact never late. The vehicle was totaled out and paid off. Next time this happens I will take legal action against company for discrimination they consistently attempt to ruin my credit as a XXXX  person.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX XXXX including legal fees I received a call from a restricted number. The person on the other line claimed to be a processor and advised me to contact the following company regarding the matter. The number given directed me to XXXX XXXX XXXX XXXX. I was told that I am being sued for a debt that I have no knowledge of from XXXX. XXXX XXXX XXXX was rude and threaten that I would be sued and have to appear in court. In addition. I contacted the original creditor that I advised me the debt was sold in XXXX to XXXX XXXX XXXX that has since went out of business. I was told by the original creditor that the statue of limitation had ran out and that XXXX was using unlawful tactics to collect on a noncollectable debt.
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (WA)

In XX/XX/XXXX, I applied for consolidation of two Utah Higher Education Assistance Authority ( UHEAA ) student loans, acct # 's XXXX and XXXX, through the Department of Education that were to be serviced by XXXX ( the only account numbers I have at this time are the ones listed on my credit reports ). The consolidation was approved and funds were disbursed to UHEAA on XX/XX/XXXX. At this time I was advised that all future payments were to be made to XXXX. Unfortunately a clerical error occurred and consolidation was rejected by UHEAA however I was not informed and representatives of XXXX did not appear to have any knowledge or record of the rejection by UHEAA and UHEAA representatives did not appear to have any knowledge about the status of the consolidation or that it was rejected. I was being billed monthly by both UHEAA and XXXX for the same loans, and both companies were reporting these accounts to the credit bureaus, unfortunately I could only afford to pay one company the majority of the time so I made XXXX the priority, considering I had received the consolidation paperwork and was told the consolidation was complete. As a result I fell behind on the UHEAA payments and they were reported as late payments on my credit reports. Multiple calls by me to try to resolve the double billing/payments to both UHEAA and XXXX were unfruitful, it took over a year of making calls, asking for forbearance 's and finally an investigation by the Department of Education XXXX office for resolution. 

As a result of the Department of Education 's Investigation the consolidation was finally successful on XX/XX/XXXX. Payments I had been making to XXXX during the previous 14 months were refunded to me and the accounts they were reporting on my credit reports were removed, however the negative marks on my credit reports regarding the UHEAA accounts remain. Juggling payments and forbearance 's between UHEAA and  XXXX and the financial hardship caused by this situation resulted in past-due payments to be reported to my credit files in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 60, 90 and 90 days respectively on both UHEAA loan accounts ( XXXX and XXXX ).
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

This is a complaint about FRAUD AND ID THEFT by withdrawing money from my savings account at Citibank. Someone registered on XXXX using false documentation and my personal bank details, which I have kept confidential without sharing with anyone, and made several automatic debits for usd {$500.00} without notification from the bank to me that this was happening. The debits started in XX/XX/2019 until XXXX of that year when I realized what happened and started a claim with Citibank. The number of transactions made exceeded the limit of transactions allowed by United States Federal Law, and the bank did not stop these transactions, concluding with the closing of my account for that reason. For example in XX/XX/XXXX 10 withdrawals were made from my account and the limit is 6. This complaint requires the return of USD {$8500.00} drawn from my savings account at CItibank without authorization from me. 

yesterday I received a notification from Citibank USA indicating the payees registered in an ATM / Debit card that I personally cancelled in XXXX at their offices in XXXX, I do not have payees registered by me, however I see a person registered that I do not know so I can verify that the security measures are definitely vulnerable, since someone re-entered my account to register and make automatic payments from my account again. This person has the name of XXXX XXXX, whom I have never met in my life. 
This is additional evidence to the identity theft and fraud that I reported in my previous cases : XXXX, XXXX, XXXX, and for which I continue to claim {$8500.00} fraudulently withdraw from my savings account. 
I have sent letters to Citibank on this matter and they open the case one day and close it the next day without doing any deep investigation as I requested in several times since last year.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (WA)

My husband XXXX XXXX and I I have two ( 2 ) store accounts with Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. In XX/XX/2020, as normal, we separately paid the amount due to each account. Synchrony Bank placed the funds from each account into only one of the accounts. The next month, we received a {$29.00} late fee charge on the account which Synchrony Bank failed to properly apply the payment made. I immediately paid the full balance on the account, plus the {$29.00} late charge. 

In XX/XX/2020, a {$170.00} balance owed me was shown on the account that Synchrony Bank failed to apply the payment we made in XXXX. 

My husband immediately called in and requested a refund of the {$170.00}. He was told that the {$170.00} would be applied to any future purchases. He advised that I would not be making any such purchases. He was then told a check would be sent out immediately. No refund check ever arrived. He has have since called numerous times in order to obtain the balance due me. It should be noted that their mistake cost me {$29.00}. In addition, Synchrony Bank charges 29.99 % usury interest ( when the fed funds rate is XXXX % ) should I pay over time. 

Synchrony Bank continues to acknowledge that they owe me {$170.00}, however, have continued to refuse to send me the payment.
Consumer complaint received 2021-02-26
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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There is an unverified late payment, paid charge-off, and collection that hasn't been validated that's on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. My initial dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.
Consumer complaint received 2018-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (OR)

hello three weeks ago i put money in pay pal they said if I put money in I can use it to pay out with no fees I have called 6 times Ive been on the phone 8 hours Ive had 2 representitives tell me a supervisor would call me back every rep says they see my XXXX bucks BUT when they try to get it release even they cant get it out of pay pal I want my money back they continue to tell me its there, and they are sorry they cant get it to me pay pal email is XXXX repsectfully XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have contacted Experian on multiple occasions with regards to an unknown XXXX account reporting on my credit file. I have never opened an account with XXXX. Please have Experian remove this account from my credit file. I have informed Experian that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all.