davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (KY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-05-19
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. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
Company Inquiries 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 2021-03-28
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 (AR)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Synovus Bank (GA)

was trying to rent a house in XXXX XXXX ga, the so called owner told us to download the XXXX App to our phones and register then we could self tour the house afterwards we did a rental application with a {$75.00} fee and then we were asked to put a deposit on the house of {$770.00}. the next day the actual rental company called and asked if we liked the house and wanted to rent it. we told them we already did and that is when she informed us we were scammed. totaling {$850.00} unfortunately we sent our money through XXXX with our bank which is instant transfer. which we may no get it back. 

The guys name was XXXX XXXX, email ; XXXX, phone number : XXXX Contacted our bank, XXXX, Federal Trade Comm.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IL)

Account Statement Ending XX/XX/2020 and XX/XX/2020. 

My Discover A/c has three different types of balances : Purchase Balance 12.99 % APR Balance Trf 0.0 % APR Balance Trf 5.99 % APR I am surprised to find out that the company first applies portion of my payment ( minimum payment due ) to my lowest interest balance before applying any additional amount to highest interest balance. 

Generally, any payment first should go to highest interest balance after satisfying interest accrued. Otherwise those not able to pay off their balance will be forced to payoff their 0 % balance before high interest ( 12.99 % or higher ) balance which is unfair. 

Discover earns fees during balance transfer and then makes more in interest charges as the payments first are applied to 0 % balance before being applied to higher interest balance.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.
Consumer complaint received 2020-11-20
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. (MN)

Mortgage from XXXX XXXX was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to XXXX XXXX but have gotten nowhere. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the Equifax report.
Consumer complaint received 2017-08-09
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 (MN)

I have a Fleet Farm Credit Card which is held by XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX to pay off my credit card in full. I submitted my payment with the lady on the phone and she gave me my confirmation number of XXXX. My account had the amount of {$330.00} withdrawn from it on XX/XX/XXXX. I received a letter stating that my account was past due on XX/XX/XXXX. I then contacted XXXX XXXX to ask if it was a mistake or if their system sent it out to early and XXXX informed me that our account was still delinquent and showed a balance of {$330.00}. I then gave her a our confirmation number and was put on hold for 26 minutes to only get the response that they do not know where the money went if it was truly paid and that it could take up to 10 business days to reflect on our account and to call back then. I waited longer and contacted them back on XX/XX/XXXX. I spoke with a rep and directly asked to speak with a manager and she proceeded to want the details to relay to him so I gave them to hear to have her respond with " Sorry Sir, I understand your frustration, but I ca n't help you with this '', in which I responded " Thank you for wasting more of my time, so please get someone who can handle this situation ''. I then was put on hold for 25 more minutes to get greeted by XXXX ( who would not give up his last name ). I then had to repeat everything to him and ask him why my card still showed a balance on it. He then stated that they have no proof that I paid the card off, so I gave him the confirmation number AGAIN, to which he stated that he saw that in the system, but no payment was reflected to it. I then asked him what is a confirmation number for. He laughed and stated " Proof of Payment '', to which I responded " So you have proof that we paid it '', to which he laughed again and stated that it is not in their system or if it was " Truly Paid '' they do n't know where it was applied. He then told me that I needed to send proof of payment via a bank statement. I told him that I had it pulled up and could email it to them. He then stated that they have NO EMAIL! Who has no email? I then cooperated with his request and told him that I would print it and send it to them. I sent them the statement on XX/XX/XXXX and contacted them today, and was told that they never received the statement! I then asked the female rep to speak with a Supervisor and she said I need to put you on a brief hold. I was put on hold for 49.32 minutes to then have them disconnect the phone from me. I am beyond amazed of the rudeness, un-tactfullness, disrespect-fullness and no care for customer service that this corporation has HIGHLIGHTED in this simple problem.
Consumer complaint received 2020-11-03
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. (NV)

This medical is bill is not my bill. I believe someone is trying to use my information. I sent you my personal documents to prove its me and note that I am not a lender nor a credit repair schemed company. Please remove this data immediately as I have stellar credit.
Consumer complaint received 2018-03-02
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: EQUIFAX, INC. (TN)

XXXX XXXX XX/XX/XXXX XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 
This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency XXXX XXXX XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. 

XXXX XXXX - XX/XX/XXXX It is showing up late on my report. Provide proof of this delinquency. This item is on my report twice. The information is different. The dates are wrong. What date is on the contract I signed? 

I didn't authorize the following companies to pull my credit report. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-20
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: ALLY FINANCIAL INC. (TX)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ALLY XXXX Date of payoff. XX/XX/XXXX XXXX XXXX Date of settlement payoff XX/XX/XXXX Ive challenged this account several times with no response. This account does not belong to me as I have never had XXXX services. I have provided proof of this as well as submitted FTC affidavits, yet it is still reflecting on my report. IT NEEDS TO COME OFF Ally and XXXX XXXX were both paid off in a settlement with the agreement that those accounts would remove them from my report. 

These are a list of Inquiries on my report that I have no knowledge of. I have never applied for jewelry financing and I have haven't bought a car since XXXX yet there are a list of Auto Financing inquiries on my report.. 

XXXX CARD - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Finance/Personal XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

There was a large escrow shortage as of XX/XX/2020. Wells Fargo waited five months to send notification that or mortgage payment would increase by about {$800.00}. Almost twice the current payment. They should have reworked the payment when the shortage was known to prevent such a large increase. 

They said the reason was this is a new house and the estimated tax was based on the land only. How does this make sense when they knew the purchase was for a house?
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Called chase to cancel chase sapphire reserve credit card. While i was able to close the card, Chase refused my request for a prorated refund of the {$450.00} annual fee that was charged on XX/XX/2020. I explained the reason to cancel the card is due to covid-19, still Chase denied my request for a partial refund of the annual fee, even though I did not use any of the annual benefit and it is only 3 months into the year. Charging full annual fee is just not fair. Appreciate your help to correct this.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

I had an original account with Walmart synchrony bank it went to collections to a company called XXXX XXXX XXXX. I settled the account in full for less then the original amount, however I was told I would owe nothing further after this. XXXX reported my payment back to synchrony bank with a balance of {$210.00} which was the forgiven or pardoned amount in their words. After contacting synchrony bank I was told that the balance will still show as {$210.00} on my credit report and they have no ability to take a payment from me for that remaining balance. They can not report an amount that can not be paid so I want to make sure they clear this balance out to XXXX  I spoke with an agent XXXX with synchrony and she also processed a request to her credit department to make sure that this balance is XXXX. They should not be able to report this remaining balance if it was forgiven and if they will not accept a payment going forward. Thank you.
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE CORPORATION (SC)

I have a bank account with South State. I have been banking with South State for two  years now. On XX/XX/XXXX between six transactions with my brokerage, my account got double charged, which resulted in me loosing out more than {$3300.00} Around that date, I noticed on the transaction history that the transactions that were being processed were all out of order. After contacting the bank about the transactions they gave me a provisional credit of only $ XXXX.I took the {$2900.00} and left behind the other {$400.00} with no problems, because I have been banking there for two years. On XX/XX/2020 South State chose to revoke the provisional credit saying the bank has a Category system on the weekend which processes all credits first with debits following. After reviewing transaction history from both companies I realized XXXX XXXX had transactions processed on the correct time and date, while South State transactions where processed incorrectly. An example of what should have happened would be : I had {$700.00} in my South State account and debited it into my brokerage account, bought a  stock from my brokerage account, sold it, and cashed out {$700.00} dollars to my bank account. 

( Correct equation ) 0+ $ 700= {$700.00} ( south state balance before debit transaction $ XXXX $ XXXX ( south state balance after debit transaction ) XXXX XXXX ( brokerage account balance after debit ) XXXX ( bought stock from brokerage ) XXXX $ XXXX {$700.00} ( sold stock brokerage balance ) XXXX {$700.00} ( South state balance after cash out credit ) Incorrect equation ( due to South States category system ) XXXX ( South State balance after cash out credit from brokerage ) XXXX ( South state balance after bank error debit transaction ) After filing the first complaint, South State told me they would not refund my account. However, they said I could come in to claim my COVID check because they understood customers had many hardships. They also said they would pay up to XXXX in over draft fees that accumulated during the time. When I looked at my bank account just today I noticed my bank account balance was at a negative XXXX. This means I got charged for the COVID check which was a free check from the government. I have attachments to show you.
Consumer complaint received 2020-05-19
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: CORELOGIC INC (FL)

I received a letter from Credco after disputing 2 inquires. Credco stated I gave verbal authorization through a mortgage transaction which was false. So i contacted Credco.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. Credco told me it was XXXX XXXX XXXX  and i should contact them. XXXX told me it was XXXX XXXX XXXX. XXXX XXXX XXXX told me it was XXXX XXXX XXXX. I contacted XXXX customer service as instructed. I was then told by customer service that they have no ideal what to do about it.
Consumer complaint received 2020-11-03
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!