davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I need to add another bank to withdraw my money, but I can't get in touch with them. I always make mistakes when I add Banks Sorry, we cant link your bank account right now. There's always that mistake My email number is XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MA)

I applied for a Chase Freedom Unlimited credit card on XX/XX/XXXX and was approved the same day. A bolded feature of the card on the website was 5 % cash back on groceries for the first XXXX  months of the card, which is why I picked Chase. When I noticed that I was not receiving the advertised rate on my cash back rewards, I contacted customer service via their message portal on XX/XX/XXXX to ask when it would be applied. They requested information about the offer the next day, so I copied/pasted the offer from their website. 

Their reply on XX/XX/XXXX was that " We don't have a similar offer available for your account right now, and we can't match the one you requested.. Our credit card offers vary and change, and new ones become available on a regular basis. '' I replied to this message that it was an active offer both currently and when I signed up for the card, and I would like it explained to me how it did not apply. 
The reply I received on XX/XX/XXXX stated : " Sign-up offers are promotional. As a result, they may change or cancel. Multiple sign-up offers may be marketed for the same product in overlapping timeframes, via different communication channels. '' I did not think this was an acceptable response because the information was from their own website, so I asked how to escalate my request. Their response XX/XX/XXXX was that " your account is not eligible for the new offer you requested '' and " We responded to this request earlier. Because there is no further action required on the account, we will no longer respond to this specific inquiry. '' At no point have they acknowledged that they advertised this specific card with this offer or clarified why I was not eligible despite applying for the card under these terms. 
Here is a screenshot of the offer, taken less than XXXX  hours after my application was approved XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES (IA)

I updated my contact information online because i moved. The company ( great lakes )  would not update my information without an email address. Then once you enter the email address you are automatically signed up to receive everything by email. There is no way to receive all correspondence in the mail excepted to call and have customer service fix the account. I received a " verify your email address '' and did not respond to it. My email address was not verified. The company then sent me an email with my account number amount due and other information to the email address that had yet to be verified. Is it acceptable for them to send my account information to an unverified email address?
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (FL)

On XX/XX/XXXX, I contacted XXXX XXXX to inquire about paying off my lease. I was advised that they would be able to asisst me and we scheduled an appointment for XX/XX/XXXX. On XX/XX/XXXX, i was advised via text message that i would have to get the car inspected for safety reasons. I was not advised of any fees associated with this inspection. Upon my arrival at the dealership, my car was taken back for the inspection. A while later, i was given the final payoff amount which included a {$990.00} dealer fee, and a {$190.00} inspection fee. These fees were never disclosed to me prior to my appointment. I informed the representative and the general manager that these should not be charged as they were not legal nor in my lease contract. The dealer would not budge and refused to waive the fees. After going back and forth for a while, the general manager refused to complete the transaction and I was asked to leave. According to the federal consumer lease act, the only fees that may be charges on the backend are fees disclosed in the original lease agreement. In my contract, it states there will be a {$390.00} disposition fee. No other fees are indicated. I contacted two other XXXX dealers in the area and both indicated that there would be no dealer fees charges. One dealer even indicated that they would not complete the buyout due to the fact they could not legally charge such fees.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Garcadia Financial LLC (AZ)

For years, Foursight Capital ( sp? ) has harassed me with phone calls to collect a debt on people that previously had my phone number, but have not had this number since 2016 or so. After numerous attempts to have them update their files and remove me from their call lists, I have given up, and will no longer talk with them. As a senior citizen, I resent their invasion of my innocent privacy, and their recalcitrant insistence on thinking that I will pay a debt that I do not owe. They will never get a penny from me, but I do look foreword to seeing them in court, and receiving damages from them.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Since the credit breach with Equifax I have been unable to access my account online. I've made countless attempts by phone only to get automated questions, disconnected calls, transfers, etc. Representatives say their website is in maintenance and to call back after 2 hrs. Password resets don't work. They are not willing to mail my report. 
This company is in serious trouble. I only get emails inviting me for free credit scores and free credit report. When I click the link and answer all the questions the password won't work. They send a reset password to my email address only to have the same problem again. This has been going on for two years!
Consumer complaint received 2019-09-06
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. (FL)

i have submitted several letters disputing inquires in my credit, there are still there 1.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY 2.-XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-06-09
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX of this year a collection hit my credit report in the amount of {$520.00} dollars from a company called XXXX XXXX XXXX. I disputed it on the XXXX of XXXX with XXXX and Equifax after calling XXXX XXXX XXXX, and having them refuse to give me the address on the account without me giving my social and ID. XXXX Removed the collection within 8 days of me filing my dispute. Equifax claimed it came back as accurate. I have disputed it more than once to no avail. This account is fraudulent. I have lived in XXXX Geogia for the past 6 years and never gave anyone my personal information to open any account in my name. Please assist me in the removal of this fraudulent account.
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

I found out that I was a victim of Identity theft after receiving collection letter from SYNCHRONY BANK. I did not open or authorize this account and I have never had any outstanding debt with this company. Therefore, I filed an FTC ID theft report and a police report to dispute this matter with all the credit bureaus and SYNCHRONY BANK. Although the credit bureaus have resolved this issue and remove the negative account, SYNCHRONY BANK is still making collection activities. They keep sending collection letters which makes me feel harassed. I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau and warn other consumers about this type of financial harassment. 

Under section 605B of the Fair Credit Reporting Act, a creditor is required not to provide the inaccurate information to any Credit Reporting Agencies and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection.

I believe It is not my responsibility to pay the debt I do not own. If SYNCHRONY BANK does not follow with the FCR Act, I'm willing to take any necessary legal step to resolve this matter.
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo was requesting the financial statements of another person for our loan. This person was a co - signer on a retail card that we held. Wells Fargo requested that we close the credit card account. The credit card co - signer paid the balance and closed the account to try to help our mortgage application. 
Myself and mother are the mortgage applicants and approved all access to our accounts. We have provided many many documents and explained many things. This co -signer is not involved with this mortgage application in any way. 
Wells Fargo is requesting that we provide the financial information of this co -signer. There is no confidentiality agreement between this co-signer and wells Fargo. We are not legally authorized to act on this person 's behalf nor do we have access to their accounts. 
Wells Fargo is asking us to commit fraud. They will likely use that account information for marketing purposes and selling services to them.
Consumer complaint received 2019-09-06
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-07-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (TN)

Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX
Consumer complaint received 2020-08-15
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)

i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted
Consumer complaint received 2018-11-27
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. (GA)

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with Equifax, XXXX and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Consumer complaint received 2023-01-23
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: DISCOVER BANK (CA)

The date of occurance was XX/XX/2018 with Discover Bank Account # XXXX, Amount of monies owed to XXXX XXXX is {$4100.00}. I am filling a dispute against Discover Bank due to account being reported to my Creditreport, This Account is Fraudulent and inaccurate. I reached out to the Credit Bureaus and Discover Bank and well to let themknow this account is due to FRAUD. I also filed several police reports XXXX XXXX XXXX XXXX ) and FTC reports File # ( XXXX ) .The Credit Bureaus are doing what they can to assist me with this matter, I even reached out to Discover to dispute this Charge/Account and informed them that this account was not mines but they refused to remove this account from my Credit.I 've sent Police reports/FTC reports signed Affidavit that this account isn't mines and they still refuse to remove the account even tho the name and address doesn't match my personal information. I informed Discover that I have been a Victim of Identity theft for several years and that my personal information was used to obtain goods in my name. The unprofessionalism of Discover Bank is horrible and needs to be addressed, I would like this to be resolved ASAP as Discover bank is causing harm to my finiancial freedom. I also filed a complaint with the Attorney Generals Office and The XXXX.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020, I was pre-approved By Wells Fargo for a mortgage of {$300000.00}. 
On XX/XX/XXXX, I received " Upfront Fee Payment Confirmation '' from WF for the {$400.00} fee I had paid to open an escrow for the purchase of a house. 
Between XX/XX/XXXX and XX/XX/XXXX, I have uploaded over 45 documents ( over 150 pages ) to my " Loan Tracker '' account with WF. 

I have also communicated via email and telephone conversations. Meanwhile, the escrow has already been extended twice, and I have stressed many times with my WF loan counselor that the sellers are anxious, issued a " Two-Day Notice to Perform '' 3 days ago, and that we are going to lose the house if I can't at least tell them that WF will fund my loan, and give them an approximate closing date. They will cancel the contract now, because WF will not respond one way or the other on the funding. 

I have given WF every document they requested, except ONE, which was one of 3 new documents requested only 2 days ago. My checking account is with XXXX, and it is titled XXXX XXXX XXXX, Trustee for XXXX XXXX. She is one of my daughters. WF wants a " Trustee Statement '' from XXXX. " The statement must confirm that you are the primary beneficiary with unrestricted access to all, or a specific amount of the funds needed to close the transaction, including any required cash reserves. Statement must indicate if funds will or will not be a loan. If funds will be a loan, provide repayment terms. '' I have explained to WF that I called the USBank XXXX number, and was told that only the Branch Office could provide the Statement. That person gave me the Branch phone number, and was surprised to see that they are open ( presumably because of Covid-19 shutdowns ). I called my branch and they are not answering the phone ; I left a voicemail message to ask for assistance with a " Trustee Statement '' for an escrow. They have not called me back. The bank 's hours are limited : " LOBBY XXXX to XXXX. '' I presume that means walk-ins, banking transactions only. And the branch is an hour-and-a-half away from where I live and work. I have told WF that it is IMPOSSIBLE to obtain the Trustee Statement at this time. 

Furthermore, I have stated in writing to WF that I have NO INTENTION of using funds from that XXXX checking account for escrow. I have told them that my intention is to pay for the down payment and all escrow fees from my XXXX XXXX   XXXX account. But, my counselor won't even try to communicate with the underwriters with this information. All I get from her is " all document requests must be filled. '' And as a result, I am losing the house. The sellers are done.
Consumer complaint received 2019-09-06
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. (GA)

This account from XXXX XXXX XXXX XXXX XXXX XXXX that's showing a charge off on my Equifax credit report does not belong to me please remove from my report. I would also like to state a complaint from my previous experience with Equifax that they do not properly investigate complaints and allow companies to report inaccurate information without providing the proper information to report items on a credit report.
Consumer complaint received 2020-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

Mr. Cooper seems to use punitive practices if bankruptcy/complaints are filed against them. 

I am requesting assistance is a ledger for the mortgage provider detailing all property inspections for the life of the mortgage, at a minimal since XX/XX/2016 XXXX XXXX filing date. 

The mortgage provider has used sending a property inspector to my property on a monthly bases. This type of action should be harassment as XXXX XXXX bankruptcy provides a stay and at any time the attorney/trustee could have been contacted to acknowledge the property was occupied.
Consumer complaint received 2020-08-14
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. (IL)

XXXX XXXX shows delinquent payments for XXXX, XXXX, XXXX, XXXX. 

I have spoken to them repeatedly to provide proof I was late. They do not respond. 

I need XXXX XXXX to prove I was delinquent on these payments.
Consumer complaint received 2020-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (NJ)

I was given stock from Robinhood by son for Fathers Day XX/XX/2020 I opened account and transferred {$100.00} to Robinhood to start. I received XXXX as stock from son, I bought a few more of XXXX  and about 20 shares of XXXX to see how site works. I have not been able to access account since I opened it. I tried numerous times contacting Robinhood support and help emails getting same generic response. I gave Robinhood all my personal information and do not know what Robinhood has done with it. They have not used it to fix account problem. I tried their password reset and it shows account with XXXX balance. 
Robinhood has no telephone support which I find strange. I would just like to close account at this point and have money returned to my bank.