davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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: Navient Solutions, LLC. (TX)

Spoke with a representative with Navient and verified that the student loan for XXXX XXXX XXXX does not belong to me. I never attended XXXX XXXX XXXX and did not take out a loan for the school. The representative with Navient acknowledged and verified the loan does not belong to me and would send me information on how to file a police report, and a letter to submit to Navient to have them remove the information. That information was not sent to the email that I provided. I only received an email verifying that the call took place. I requested the original documents showing that I had taken the loan out to be mailed to me and the information on how to file a police report and the letter. I disputed Navient through XXXX and again they verified this loan as mine. I want to file a complaint for all the time Navient has shown on my credit incorrectly and the proof of inquiries that have turned me down for credit since they have been fraudulently reporting on my credit, incorrect information.
Consumer complaint received 2020-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ID)

In XXXX of 2019 we were notified via email that there were upwards of {$2000.00} in charges on our account. The purchases were made online and picked up in person at a XXXX XXXX XXXX. 1. we were out of town then and never ordered or picked up these products. 2. With a pick up order of $ XXXX they SHOULD ALWAYS check ID on the person picking up. 

Obviously we reported these charges as fraud. XXXX XXXX sent it over to their fraud department for investigation. After multiple calls and jumping through hoops they finally agreed that it was fraud, and we were told over the phone that ALL CHARGES WERE DEEMED FRAUD AND ANY CHARGES, AND FEES RELATED TO THE PURCHASES WOULD BE REMOVED. 

We received a letter from XXXX XXXX on XX/XX/2019 saying " We are writing to inform you that we completed the investigation on your XXXX XXXX XXXX Credit Card Account. As a result, we removed the disputed charges and any related fees and interest charges from your account. 

I was so relieved to finally get this letter after getting the go around every time we called them and re-explaining the issue. Such a headache. BUT little did I know even though the letter said it was fixed and that XXXX, Experian, XXXX XXXXXXXX would all be updated. They were not. 

We recently pulled our credit while trying to get a home and THE CHARGES STILL REMAIN AND HAVE NEGATIVELY IMPACTED MY VERY HIGH CREDIT SCORE. I have never had any late payments or anything negative reported on any of my credit cards until this happened. 

I have continued to contact XXXX XXXX and am always given excuses and I swear the call center doesn't even understand what I am trying to explain most of the time. I called today and they are closed due to Covid 19. I have reported disputes 3 times to Experian with proof of my letter from XXXX XXXX. However when they look into it and contact XXXX XXXX XXXX Credit Card they are told, nope! The account is closed but fees and interest rate still applies! I AM NEVER PURCHASING FROM XXXX XXXX AGAIN. THIS HAS BEEN SUCH A HEADACHE AND HAS BEEN GOING ON MORE THAN A YEAR NOW. WE HAVE BEEN MORE THAN REASONABLE BUT NOW THAT IT IS EFFECTING THE LOAN ON OUR HOME THIS IS NOT OKAY! I NEED HELP FIXING THIS FOR GOOD. PLEASE PLEASE HELP! 

THANK YOU!
Consumer complaint received 2020-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Klarna AB (CA)

I financed an online XXXX  purchase through Klarna in XX/XX/XXXX. I paid Klarna the {$450.00} balance in full in 6 months. In XXXX the concert was postponed and on XX/XX/XXXX the concert was canceled. Klarna emailed to me a statement showing a {$450.00} credit balance. I called XXXX on XX/XX/XXXX and was told that they would issue a refund by check within 21 days. On XX/XX/XXXX I called Klarna again as I had received no check. Klarna had no record of my prior conversation, so they told me they would send a check. On XX/XX/XXXX, I received a check for {$83.00} ... .not the {$450.00} as shows on my Klarna statement. I have made repeated calls to their customer service number and their non-American based agents are so poorly trained that they can not even understand this very basic series of events. Klarna owes me over {$350.00} and it is impossible to communicate this point to them. I need help.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (AZ)

I have had an account with XXXX  XXXX  which is with Synchrony Bank for over 3 years I initially used this for a XXXX XXXX I had a 6-month interest free option if I paid it within 6 months and on time, after my 3 rd month I called to see what my balance was and they told me I did not qualify for the 6 months interest free anymore because they received a late payment however my payments have always been made through my bank. since XX/XX/XXXX I have had this card and the total amount has still to this day have not gone down and I make my payments monthly after 3 years you would figure I owe a couple of hundred dollars since I have never used the card again. but I still owe as of today XX/XX/XXXX {$1000.00} which is a lot my procedure was only about 600 dollars. I called today and asked the interest rate and they stated it was 26.99 %. 

Can I please get some help with this?
Consumer complaint received 2022-03-18
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. (NC)

In accordance with the Fair Credit Reporting act has violated my rights. 

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-05-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

My parents took out XXXX life insurance policies many years ago. I did not have any info on these policies. I was contacted by XXXX XXXX, the company the policies were with. They told me that I needed the bank to complete a Release of Collateral Assignment form on each policy so I could take possession of them. The bank that had originally had the collateral assignment was no longer existing. I did a XXXX search to find what bank currently owned the assets of the original bank. Wells Fargo is the current holder of these assets. I have tried repeatedly to get the local branch to complete the forms and they will not. They will not put me in contact with anyone higher up in the company except one man who has done nothing to help. They say that they have no way of contacting their corporate office. They say they can not ask anyone at the regional office other than to put me in contact with the one man who has done nothing. They say that since the branch is a retail branch, they have no authority to help me. I offered to show them my documentation proving Wells Fargo bought the bank that had these accounts, but they did not want to see. They would only look back 7 years on their computers and say they could n't find the accounts. When I told them the accounts would have been bought a lot longer ago, they claimed that they had no records of assets further back than 7 years. ( As they are a bank, I did challenge them on this, to no avail. ) I need to have these accounts and in order to do that, Wells Fargo must complete and sign the Release. of Collateral Assignment on each of these XXXX policies. 
The policies are all from XXXX XXXX and the policy numbers are:XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-19
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. (CO)

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

On : XXXX XXXXXX/XX/2022 Wells Fargo decided to Close my ATM Card, for at least a Year. They told me that I misused their ATM Card, for Disputes that I did on my ATM Card constantly.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I paid my student loan off in XXXX, with XXXX  college. The credit report never had XXXX college on it until I stated what college I attend now all of a sudden I owe them to. XXXX  college is a closed school due to fraudulent loan accounts. Its other schools on my report that I have no idea of and never attended, also theres a energy bill that is part of the identity theft case in XXXX I have tried to explain it but no one listens. Its address that I never lived at on my report, its a last name that is not mines attached to my first name. I have tried for years to despite the errors but they are forcing me to accept them. Please stop racism together we have had enough
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Transaction issue — 
Company: WELLS FARGO & COMPANY (TX)

I have reported my card stolen XXXX different times now. Every time this causes me to open a new credit account. I 've told the bank and XXXX that the reason I keep reporting it stolen is because XXXX keeps getting access to my new card. Visa is providing them this. I told XXXX to stop getting my new card number, and they have refused. They also refuse to let me cancel except in person or by mail which I can not do.
Consumer complaint received 2023-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Enhanced Recovery has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Enhanced Recovery. Enhanced Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

Today I received an automated phone call about my Amazon XXXX credit card. The automated voice said someone had charged a XXXX pro computer laptop to my card and they wanted me to push a button to connect with someone who could talk to me. 
The phone number was local to me XXXX and they called me at XXXX pm. I hung up the phone because I had not used my Amazon XXXX recently and I checked my account online and it was ok. I did not attempt to call the number back. 
This was a scam and I just wanted to report it.
Consumer complaint received 2020-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

Company name is REMITLY is based out in Washington state! The bank is telling my sister that shes not able to pick up the money because theres nothing there and plus they say they already send it but theres deposit there. if thats what they say ( I got a receipt that says How much when and how I send it )
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

On today if XXXX  XXXX 2022 I was supposed to receive my check from my job which is XXXX but it was sent to the wrong direct deposit I made sure it was the deposit I wanted they sent it to an account which I can't access i.e. chime banking I tried unlocking the account I tried calling customer service emailing etc and when I call they hang up after a while the requirements are i.d . social and proof of address I sent them a pdf of my lease of the apartment that I live in it even says they accept PDFs but for some reason they won't unlock my account and let me get my money I am struggling and I need to pay my bills if I don't get this situation resolved I will be homeless.
Consumer complaint received 2022-03-18
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. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-03-18
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE IS ONE ADDITIONAL ACCOUNT THAT IS REPORTING LATE PAYMENT HISTORY WHICH IS IN ERROR. I WAS NEVER LATE, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. WE HAVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE STATUTES UNDER THE FCRA.
Consumer complaint received 2023-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Collection Items found own report that are not mine. 
Original creditor : XXXX XXXX Account name : XXXX XXXX XXXX Account : XXXX Amount : {$1200.00} Original creditor : XXXX XXXX Account name : XXXX XXXX  XXXX  Account : XXXX Amount : {$910.00} Original creditor : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account : XXXX Amount : {$630.00} Original creditor : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX Account : XXXX Amount : {$6.00} Original creditor : XXXX  Account name : XXXX XXXX XXXX Account : XXXX Amount : {$390.00} Inquiries do not belong to me. 

Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX, XXXX Date : XX/XX/XXXX Creditor Name : XXXX - XXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXXXXXX XXXX  Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXX Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (CA)

I replied to an email from XXXX to see if I am pre-qualified for their card and the next thing I know, I get an email saying that I'm approved and a card is on the way. 
This is the wording on the email : XXXX XXXX risk. All reward. 


Find out if you pre-qualify for the XXXX Credit Card before you apply with no impact to your credit bureau score. If eligible, see your credit offer risk-free. 

THERE WAS NEVER A FORM THAT SAID, YOU ARE NOW APPLYING FOR A CARD. THEY NEVER SAID THAT I'M PRE-QUALIFIED AND I NEVER PRESSED THE " NEXT '' FORM ON THE APP. NOW, I HAVE TWO DINGS ON MY CREDIT REPORT. ONE FOR A HARD PULL, AND ONE FOR A NEW ACCOUNT, EVEN THOUGH I CLOSED IT THE SAME DAY.
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Apex Funding Group, Inc. (MT)

I have been trying to re-finance my mortgage in order to get cash out for remodeling the house. For some reason when they did the title search a 2nd mortgage came up that I know nothing about. I have never received a bill or any notice from them saying that I owe this and I have no idea how it ever got attached to my property and have never had any communication with them. There is nothing in my current loan documents that show that I ever took this loan out. Please see the attached documents.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023, I received a letter from Chase that they were closing my credit card account. They refused to offer a reason. My complaint is that I was charged a {$550.00} annual fee in XXXX for use of the card. Since they closed my account, I can't use the card for almost all of 2023, but they are refusing to credit me for the annual fee.