davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have contacted this bureau multiple times regarding these fraudulently opened accounts that are listed below. These accounts do not belong to me and are hindering me from obtaining future credit. Bureaus are not cooperating with me and have not got back within the last 3 months regarding the disputes or investigations. 
The accounts that are not mine and have been fraudulently opened are as listed XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX and XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX.
Consumer complaint received 2022-09-20
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: Colony Brands, Inc. (IN)

I had paid off an account in the amount of {$270.00} with The Swiss Colony. They said over the phone they would mail me a receipt and I have not received that receipt showing this account is paid for and closed. I have been patient and called them several times and even spoke with a manager. I was told I would receive a receipt in the mail. It has been several weeks and I have not received anything. I would now like an email copy along with a copy sent to me in the mail. In addition to that, I want all items from the Swiss Colony deleted off all my credit reports. This includes XXXX, XXXX and XXXX.
Consumer complaint received 2021-01-28
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. (FL)

I purchased a XXXX XXXX XXXX in XXXX. Unfortunately it was totalled. The loan was interest only which I did not understand at the time of signing. The lender was XXXX which has recently lost a lawsuit for engaging in fraudulent lending practices and I was named in the class action. I have repeatedly tried to get XXXX to correct i formation on my credit report that is inaccurate until the lawsuit ramifications are resolved for the consumers hurt. I have made 3 disputes and get the same response that it is accurate. My credit report says {$14000.00} was charged off with a balance due of {$5200.00}. I paid {$14000.00} for the vehicle. I called XXXX and the rep XXXX XXXX said it was charged off before they got the payment of {$10000.00} from my insurance company. I asked her why did they not reduce the charge off amount to reflect ins payment. She said she does not know. Also she said there is no one I can talk to at XXXX regarding this
Consumer complaint received 2021-09-02
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. (AZ)

I HAVE 1 LATE PAYMENT THAT ARE NOT CORRECT I HAVE 1 COLLECTION ACCOUNT THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.
Consumer complaint received 2021-11-03
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. (AZ)

I've asked XXXX 3 times now at this point to remove a dispute that I had on my account reporting on Equifax. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling XXXX and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I attempted to open an account online with US Bank, which advertised a bonus for opening the account online. However, it gave an error. I thus went into a branch, and a representative conferred with another representative that the bonus would be able to be applied to my account even though it was not opened online due to the technical problem with U.S. Bank. Thus, a total of 2 representatives confirmed the bonus would apply. However, the bonus never came. The representative I worked with has supposedly appealed to the promotions department, and been denied. This is essentially a bait-and-switch because a promotion was promised that was not delivered.
Consumer complaint received 2018-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

On XX/XX/XXXX I was laid off from my XXXX XXXX due to economic downsizing. Despite applying for countless jobs, no one wanted to hire a XXXX  woman and so after my child was born I ended up claiming unemployment for a short while. I continued interviewing, to no avail over the next six months. I also CONTINUED to pay on my student loans during this time, and for another two years after losing my job by taking money out of my IRA. Realizing we couldn't afford the $ XXXX/yr fees associated with XXXX children in daycare, I became a XXXX XXXX. Navient allowed me to defer my loan for unemployment and financial hardship a few times but after XXXX XXXX XXXX XXXX and having regular income, albeit a small amount, I tried to apply for income based repayment plans so I could stop racking interest and fees associated with continued deferrals, defaults and forbearances. EVERY SINGLE application for IBR was either denied or resulted in a LARGER payment than I was already making - meanwhile my income is a measly fraction of what it was when previously employed full time. According to Navient, my household income is accounted for when establishing these numbers ; understood. The problem with our household income is that we still can not pay our bills in full ( which I provided three years of our own budget tracking spreadsheets as proof ) AND the latest IBR repayment values they issued on XX/XX/XXXX are hilariously ridiculous. They are as follows : 9 payments of {$480.00}, 122 payments of {$820.00} < -- -- -- please note this!!! 
2 payments of {$350.00}, 4 payments of {$340.00}. 

WE CAN NOT AFFORD THE PREVIOUS PAYMENT OF $ XXXX/mo anymore and there is no way we can afford the aforementioned  payment schedule. 

I need some help here. My loans have exploded in value because of all the deferrals, and forbearances and my credit has plummeted due to the defaults. I WANT to make a payment that we CAN afford, but clearly Navient doesn't want to help me do that.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP. (AR)

21st mortgage is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX  and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CT)

I opened a supposedly personal/ separate checking account at Chase during my divorce. 
On XX/XX/2021, I noticed an unauthorized transfer of {$3200.00} from my account to my ex-wife 's account at Chase. 
I spoke with Chase and had the transaction reversed, and I reiterated that my Chase account was not supposed to be accessible to my ex-wife. ( Chase had improperly set up the account to be accessible to my ex-wife ) Chase said they changed the PIN so that she would no longer have access.

The {$3200.00} transfer occurred again.

Speaking with Chase, they apologized and stated that they changed the wrong PIN and that they would cancel the debit card.

For 36 hours the {$3200.00} transfer was in a " pending '' state, during which time I requested that funds be returned.

Chase did not following these instructions, allowing my ex-wife to keep the {$3200.00}.

I filed a claim and escalated this error to the Chase " Executive Office '' to no avail.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TN)

On XX/XX/XXXX, I learned that IRS placed a levy on my Social Security Retirement Benefits. This prompted me to contact XXXX XXXX and request my transactions. I needed a hard copy of my transactions. 

On XX/XX/XXXX, I received my request. To learn that another person name and a card number had been added to my debit card without my permission/ knowledge. 
The name added is XXXX XXXX XXXX, the last four digits of the card added to my card is ( XXXX ). 

This information was added to my account XX/XX/XXXX. You can check with Social security, to confirm that only my name should be on this account. The last transaction with that name and card number was done XX/XX/XXXX.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (CA)

Disputed with company on XX/XX/XXXX. The company received my written disputes on XX/XX/XXXX according to certified mail receipts. It is now XX/XX/XXXX and I have to receive requested verifiable proof. Under the FCRA 15 U.S.C. 1681i, it is my right to have all unverified accounts promptly deleted. The company has yet to provide me with a copy of the verifiable proof even though I have requested this proof multiple times from them. According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, Upon request the company is required to disclose to me all of the documents that are recorded and retained in my file at the time of this request concerning the accounts that are reporting in my credit report.
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (NV)

every time I call the so call ed people saying I owe the this debt they keep hanging up on me.i never once received anything in the mail saying I owed the multiple debts.. and there are 2 collection agency 's trying to collect a debt from the same place it seems like everyone I check my credit new accounts pop up and places I never herd of or scene and I have medical insurance amcol systems inc {$3000.00} opened XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX  {$1200.00} opened XXXX online information {$1100.00} opened XXXX XXXX XXXX XXXX {$1100.00} opened XXXX XXXX XXXX XXXX {$710.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} opened XXXX XXXX XXXX XXXX {$210.00} opened XXXX XXXX XXXX XXXX  {$130.00} opened XXXX
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

My XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.
Consumer complaint received 2018-02-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: MB FINANCIAL, INC. (IL)

On XX/XX/2017 I transferred an IRA account from MB financial to XXXX XXXX prior to its maturity. The amount of the IRA was {$16000.00} however MB financial only transferred {$15000.00}. They said the difference was due to an early withdrawal penalty. The account was only paying 0.399 % APR at the time and the Truth in Savings statement provided when I initially opened the account has no mention of early withdrawal fees. The interest accrued at that point was {$32.00}. The penalty they charged was against my principal and interest in the amount of {$560.00}. I argued that : I was over XXXX years old and should be able to withdraw at anytime and the the original Truth in Savings information I had no early withdrawal fees. They said that that had been changed since my original opening of the account. Additionally prior to transferring the account to XXXX XXXX I checked there website for early withdrawal fees and none were listed. I faxed an original of the Truth in Savings document to them but was ignored. I can't believe they can get away with this practice? 
Additionally I received an end of the year statement stating that they distributed a full {$16000.00} from my account. They did not. Not sure how they are rectifying there books but this is fraudulent I received only {$15000.00}
Consumer complaint received 2020-11-19
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)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2021-10-07
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. (FL)

This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va XXXX XXXX XXXX. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

Chase fraud impersonator called from a chase phone number and told me I had a {$260.00} charge in TX that was suspicious, did I authorize it? No I said. He said well this {$2000.00} charge did you authorize that? We will have to refund it on chase 's app zelle. 
I called the police and Chase. XXXX said Chase is the one to call. Chase said call the cops ( Which we did ) and said they aren't paying. 

Chase makes the apps to drain your account using your phone number to do so. Without a pin required! 

They cant leave doors open to your account and then claim its not their problem when a client ( over 10 years ) gets robbed!
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (MI)

I supplied Total Visa a letter dated XX/XX/2021 which requested cancellation of my Visa credit card. The annual fee of {$48.00} posted on XX/XX/2021 and the monthly serving fee of {$6.00} should have been eliminated by my cancellation request. XXXX XXXX charge posted on XX/XX/2021 should not have been honored as the cancellation letter is dated XX/XX/2021. Additionally, XXXX did not have the authority to charge {$190.00} to my account. A letter from XXXX admits the charge was not legitimate and reversed this charge from my account. That reversal was made by Total Visa within five to seven days of XX/XX/2021. The remaining charges of a service fee of {$6.00} posted on XX/XX/2021 ; a late fee of {$29.00} on XX/XX/2021 ; and an interest charge of {$4.00} on XX/XX/2021 occurred well after the XX/XX/2021 date of the cancellation letter. This dispute was answered by letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX, servicing bank for Total Visa denying my request to eliminate the {$94.00} charged to my account for the annual fee, servicing fees, late charge and interest charges. These charges were all placed on my credit card by Total Visa. The only phone number that I have for XXXX XXXX XXXX or Total Visa in XXXX XXXX, SD is XXXX. My name is XXXX XXXX at XXXX is XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. Total Visa credit card # XXXX
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AK)

Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company. XXXX is my email address that the account is on.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MD)

For the past week ( XXXX ) I kept getting daily repeated calls from a number that came up on my phone as " Scam Likely '' ( XXXX ). I listened to the voicemails that said in an automated voice " XXXX we have made several attempts to reach you via phone and at the address on the record we've been unsuccessful, due to no response the documents are deemed undeliverable one final attempt will be made at your place of employment ''. On XX/XX/XXXX I called and spoke to XXXX with XXXX XXXX XXXX XXXX at ext XXXX. She stated that this was a debt that I had with Old Navy and it wasn't filed on my chapter XXXX bankruptcy in XX/XX/XXXX. I informed her that I did my bankruptcy myself and I know for a fact that Old Navy was on there. She over-talked me the entire time and wouldn't let me explain that I know Old Navy was on my bankruptcy. She then informed me that the company GE Capital is what should actually be on my bankruptcy and I informed her that it was. She continued to tell me it wasn't and that they would be filing legal action against me and disconnected the call without the proper goodbye. I called back right after that call on XX/XX/XXXX and spoke with a different XXXX and she said and did the same thing. I then called back and spoke with a XXXX/XXXX and he was EXTREMELY rude and told me that they filed legal action against me and whatever paperwork I had would need to be taken to the court whenever the court date would be. I asked him for an email address or address to send my proof in and he wouldn't give it to me. I tried to call back 3 more times with no answer or voicemail. I can not find XXXX XXXX XXXX XXXX   online as a debt collector and that makes me think this is not a real company. I XXXX  GE Capital and they are no longer handling these accounts ; it is now Synchrony financial. My Old Navy account was from before XX/XX/XXXX and it was also filed on my chapter XXXX bankruptcy.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Bankruptcy is unverified. According to the verified source XXXX XXXX, they dont show a bankruptcy on my credit file. Ive asked multiple times for removal. 

According to the court clerk, they dont report/or release information to credit bureaus, which is another erroneous effort to verify this inaccurate reporting.