davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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: SYNCHRONY FINANCIAL (NY)

I have these acounts that are not mine and i want them to be removed. 


1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 01 SYNCHRONY BANK Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I received a wire transfer last Friday, XX/XX/XXXX for money which was an escrow distribution for a sale of a business. Chase Bank has refused to make these funds available in my account as of Wednesday, XX/XX/XXXX. The reason they give is that the payment is outside the normal pattern for the beneficiary and is therefore considered suspicious. This is not true because the account involved was created solely to receive wire transfers from a business sale which took place XX/XX/XXXX. I have submitted two messages to Chase only to be told no wire transfer was pending which is not true. I have emailed the Escrow Distribution Agreement showing that I am due exactly the amount of the wire transfer to XXXX XXXX XXXX at Chase Bank. XXXX is the bank representative for the Chase XXXX XXXX XXXX  and works at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

I have had a credit card with Chase for over 30 years, I have always paid my balance every month, never rotated. I, also have had a credit card with XXXX. 

We used to live in Arizona until XXXX of 2020. After we moved to California one day my credit card was denied by a merchant. I could not believe it because for over 30 years I have had excellent rapport with Chase and my husband, XXXX XXXX, and I were considered " Private Clients '' of Chase. After this event our Private Banker at Chase did not respond to my phone calls. Later, we were told that a partner of Chase had problems with us. Eventually, we figured out that this it was XXXX XXXX  XXXX XXXX. There was a hint that multiple people had tried to use my Gap account. To date I do not have any names or explanations about this happening and it must have happened during or through of our move. 

Sofar, all other credit card companies have been fine and my credit score, last time I checked, Was still " very good. '' Please help.
Consumer complaint received 2022-03-29
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. (NC)

My credit report has over fifty inquires and it wasn't me that made inquires. My identity was stolen a couple year back and now there are lots of false claims of me. Along with other information ill be disputing I noticed this stuff recently. I've found that this is all false and fraud and I want something done immediately as it has halted my life. Its not fair at all that I'm suffering financially by this error and credit bureaus want do anything to help me. i have submitted police report as proof, as by law if they don't have my personal hand signature I'm not liable. I want this investigated and removed immediately.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

After being approved for a loan modification in which the value is much less then what is owed I decided to submit a short sale. The offer of XXXX was submitted and the appraisal was done at XXXX. Fay servicing closed the short sale without communicating to me the value or asking for any counter offer. I submitted an appeal, see attached. Fay failed to send this appeal to the investor stating over the phone in a recorded conversation that they don't have to send the appeal to the investor because I had a modification approved in XXXX. According to their servicing agreement with the investor they are not authorized to make appeal decisions on their own without investor input. It is very clear that Fay servicing is making their own decisions on files being approved and denied. In this case they denied my short sale so they can foreclose on the property and move the file to their XXXX department so they can continue to charge the investor for servicing the loan after the foreclosure is complete. The rep on the file was ( XXXX ) XXXX and his supervisor is no better, XXXX XXXX XXXX.
Consumer complaint received 2019-02-08
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. (CA)

I was trying to pull my free annual credit report from Equifax but it doesn't let me print it online because it failed me several times in verification of my identity and it's asking for a numerous requirement to mail to get it thru mail also.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma (NC)

** Thus is not a third party complaint** On XX/XX/XXXX I was attempting to pay XXXX to began the start of my business. I had the necessary funds needed to complete said transaction except my card continually got declined. So seeing the declined messages made me go check my account because as I've stated I had more then enough to cover the transaction. I called my card company after seeing that {$250.00} dollars was taken out of my account for no reason as all of my attempts at my transaction were declined. I had no resolve until the third call where I was told that could expedite the cancellation of the transaction. I was even told to call the merchant in which I did and that did not have anything in their system about my transaction. This has put me in a real bind as I was looking to start my company and have the rest of my funds to take care of my daily personal needs gas in my car clothes washed etc. No matter how many different reps I spoke to at Credit Karma and told them a declined transaction should not have resulted in a hold on my account and they needed to release the hold they did not listen. My money is still on hold and in limbo because the merchant does not have it and neither do I. I had to borrow money to do my daily needs because of theirs company when a declined transaction should not have my money on hold.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

FedLoan Servicing completed my PSLF review. I had consolidated my loans in XXXX. 

FedLoan Servicing discharged my loan for XXXX payments made to XXXX XXXX from XXXX. 

However, Fedloan Servicing did not count any payments made from XXXX XXXX to a prior servicer. I have been continuously employed by the XXXX XXXX  since XXXX. 

I believe I am entitled to have these payments counted and to be refunded payments over XXXX.
Consumer complaint received 2021-03-13
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: SYNCHRONY FINANCIAL (IN)

I have numerous hard inquiries on my credit report from XXXX XXXX XXXX syncb and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.
Consumer complaint received 2021-09-08
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. (TX)

I HAVE REASON TO BELIEVE IVE BEEN A VICTIM OF IDENTITY THEFT BECAUSE THERE IS AN ACCOUNT AND INQUIRES REPORTING TO MY CREDIT REPORT THAT I'M NOT AWARE OF AND NOT SURE WHO THE ACCOUNT BELONGS TO AT THIS TIME.
Consumer complaint received 2022-10-26
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. (TX)

I was charged XXXX from XXXX that I did not authorize. I contacted Chase bank and did a dispute but they denied it. Ive contacted several departments and was told they did a thorough investigation. I asked them how can you do a thorough investigation when I havent had the opportunity to send in evidence. 
They believed XXXX instead of their customer and refused to put the money back in my account. 

Im on a fixed income receiving unemployment. It wouldnt make sense to spend XXXX on a Ad when I only get unemployment and ebt benefits. 

My account is in the negative because of this unauthorized charged. I cant afford cover this charge and now Chase has threatened to close my account soon if I cant get checking account to a positive status. 

Ive called Chase, chase executives, Ive emailed the CEO, submitted a complaint to the XXXX  and still no help.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Opened a savings account with Citibank early 2021. On my bank statement, it shows 2 accounts. Not sure who owns the other account. But I can see its balance and all transaction details. It bothers me tremendously to image someone else might have the same access to my account info. 

Called Citi, they routed to IT department, and no one ever answered. Called again told them this is a serious confidentiality violation. The representative just told me he knows nothing and transferred me to IT department again, where I waited 20mins. No one ever answered the call.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WATERMARK CAPITAL, INC. (TX)

My request to Watermark Capital , Inc LoanCare was to disburse the insurance payments to my home owners insurance provider from the established escrow account. I have been contacting the Watermark Capital , Inc . Customer service since XXXX XXXX, 2021 and the issue has not been resolved yet ( as on XXXX XXXX, 2021 ). 

I have been on long calls ( ~30 to 45 minutes ) with the Watermark Customer Service ( Escrow and Insurance ) departments on several days over the last 4 months. Here are the customer service request tracking numbers provided for reference - Ticket # XXXX ( Wednesday, XX/XX/2021 ) - Ticket # XXXX ( Monday, XX/XX/2021 )
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (FL)

XX/XX/2022 tried to resolve with Discover and XXXX XXXX same item, unauthorized charge! XXXX XXXX investigated and reversed the charge balance XXXX. Discover at my request dropped charge, after the claim investigation, but kept adding charge back XXXX, 2022 to present XX/XX/2022. Now they are adding fees of {$29.00}! 
Discover card cancelled by me XX/XX/2022. Every month I get a statement with an account number ending # XXXX. I opened a survey XXXX which turned out to be a scam! Original charge was {$54.00} ( approx. ) now it totals {$85.00}.
Consumer complaint received 2022-10-26
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: CITIBANK, N.A. (FL)

MACYS/CITIBANK, N.A. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you MACYS/CITIBANK, N.A. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Consumer complaint received 2022-10-26
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: Affirm Holdings, Inc (VA)

I want an investigation with Affrim Inc as their seems to be an hard inquiry on my credit report with XXXX. I investigate my report on XX/XX/2022 through XXXX. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX bankruptcy. The date I filed bankruptcy was XX/XX/2022.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (CA)

XXXX indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX I C System Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.
Consumer complaint received 2019-02-08
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/2018 ), Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX   XXXX XXXX XXXX XXXX XXXX {$1900.00} not mine
Consumer complaint received 2021-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (AL)

My name is XXXX XXXX. This is my second complaint being filed for not receiving funds from a closed Chime account. My complaint is to receive the remaining balance, {$7200.00} via check. On XXXX XXXX my Chime account was closed because Chime 's partner XXXX XXXX said it wasn't in compliance with Chime 's policy. In Chime 's agreement it states that all funds will be returned via check. My first complaint was responded by the company said I did not qualify for the {$7200.00} that remains in the account and that the originator of the funds would get the funds. I am the originator of the funds. The {$7200.00} was not sent to account at one time. The {$7200.00} was saved over time. The {$7200.00} was saved by me therefore belongs to me. I would like the funds that I sacrificed for and saved.
Consumer complaint received 2021-03-13
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. (NY)

Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the Equifax data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (NM)

I received a text message alerting me that someone had checked my credit report on XXXX. I signed in and saw that Mariner finance had checked my credit. I did not authorize this and I have not applied for credit with anyone recently. I called the company and stayed on hold forever as well as left several messages to be called back. I filed a dispute with XXXX on this.
Consumer complaint received 2022-10-26
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)

i am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

The paypal locked my account for no reason. I have around XXXX on it, and I can't access it. I sent them many messages, but they did not answer. Due to this I would like to get a refund.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (AL)

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-03-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

I was working with nationstar mortgage back in XXXX for a modification after becoming XXXX from a work injury. At no time did Mr. Cooper aka Nationstar or their attorneys XXXX XXXX XXXX stop the foreclosure of my home of 20 years. I was served papers about the sale in XX/XX/XXXX eight days prior to the sale and that was the third time they tried to sell it. They were working with me on modification and had been since XXXX but kept asking for more paperwork. In XXXX of XXXX they served a pile of court papers left in a stack on my front porch and then locked me out of my home and sold it. This is after nationstar and XXXX bounced me back and forth with promises to help until the time ran out.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NY)

This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. 

Please review attachments!
Consumer complaint received 2021-03-13
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 ()

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 2021-09-08
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: SYNCHRONY FINANCIAL (CA)

i signed up for the paypal mastercard back in XXXX XXXX the new card member offer was to receive 4 % cashback up to {$200.00} for all purchases made. then the card earns 2 % cashback on all other purchases. I never received 4 % cashback ever. I only received 2 % cashback the entire time. 
i have attached the confirmation of the offer. i reached out to paypal multiple times and nothing has been resolved. they give me the run around.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ME)

On XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX deducted {$14000.00} from my account to cover bal Tranfer check XXXX made out to XXXX XXXX but then stated the offer expired and interest was at standard APR so I paid {$14000.00} in full XX/XX/2022 to avoid interest. I received new checks valid for bal transfer so I wrote out check XXXX on XX/XX/2022 in the amount of {$14000.00} at zero % interest depositing to my own bank to cover payment I made XX/XX/2022 to Citi Bank in the same amount of {$14000.00} at this point I was notified by XXXX XXXX first check XXXX made out to them was rejected and returned, I called Citi Bank to find out why check XXXX was rejected and was informed check needed to be deposited in my own bank so it was rejected, I then asked why was the funds not still in my bank giving my a {$14000.00} surplus on XX/XX/2022 when payment was made by me and at this point they will not give a straight answer and continue to refuse to return funds for rejected check XXXX in the amount of {$14000.00} back to my account. I have called City Bank several times a week for over a month and every time they tell me to wait or money will be returned in 7 days or just hang up but as of today account still shows balance due in the amount of {$14000.00} plus bal transfer fee of {$720.00}. As soon as Citi Bank rejected honoring check XXXX in the amount of {$14000.00} on XX/XX/2022 and received my payment in the amount of {$14000.00} on XX/XX/2022 account would have surplus in the amount of {$14000.00} so check XXXX in the amount of {$14000.00} on XX/XX/2022 would have been refunding my own money leaving account at zero balance. Citi Bank refuses to correct their error..