davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-21
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: CARD Corporation (FL)

On  XXXX   XXXX  I noticed that the money that should be available I my card.com prepaid card was not, went to my tablet, logged on and noticed a whole bunch of charges that were not made by me. I immediately cancelled my card, and submitted a dispute for the charges I did n't make. The charges totaled up at {$530.00} and being a single mom, I can not afford to take a loss that substantial. After waiting a month to hear back from card.com, they not only did n't give me my money back for the unauthorized charges, they re-charged me for  one  of those unauthorized charges. I was sooooo angry, so I started calling the merchants to try to fix my problem from their end and much to my surprise EVERY  one  of those merchants told me that they had already refunded the claim and that I should call my card company. Well I did and not only did they avoid the questions of where is the money now? If you submitted a charge back to the merchant and then was refunded by the merchants, but was n't given to me, whom it belongs to ... where is my money now? The supervisor hung up on me. And now when I call, I ca n't get a live person on the phone. I enter the info they tell me to enter I my touch pad and the automated system sends me in circles until it hangs up on me. Help ... I ca n't believe I was robbed and  XXXX  is n't standing behind their word of taking care of me ... I REALLY needed that money and they are screwing me out of it.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX I received an email from Synchrony Bank regarding promotional financing I requested. This caught my attention because I had no balance on my Synchrony Bank/Care Credit account at the time. I logged into my account online and found {$6300.00} had been charged to my Care Credit account.

I contacted Synchrony immediately to contest the charge. I was given details about where the charges originated and I was told this charge would be taken off my account and a new credit card would be sent. When I received the new credit card, there was an  additional card with the name XXXX XXXX enclosed. I contacted Synchrony again and I was told she became an authorized user for my account in XX/XX/XXXX. 

Starting XX/XX/XXXX I began to receive letters from department stores, online catalogs and other retailers giving me explanations for denying me credit. I never applied for this credit and it was clear my identity was stolen. I immediately froze my credit at all three major bureaus and put a fraud alert in place. I took other steps as well that month, including following the steps recommended by the FTC for when your identity is stolen. 

I am frustrated with the lack of care Synchrony takes with my identity. In addition to the fraudulent accounts with retailers I have no relationship with, there were two fraudulent applications for credit line increases for accounts I do own. One of these is the very same Synchrony Bank/Care Credit account in discussion. When I discovered my identity was stolen in XX/XX/XXXX, I contacted Synchrony Bank along with all my other creditors to let them know my identity was stolen. Yet two months later, Synchrony allowed XXXX XXXX to obtain a credit card under my own account in XX/XX/XXXX and had {$6300.00} be charged ten months after that. I am frustrated and worried.
Consumer complaint received 2020-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX, at XXXX XXXX  I received a phone call from XXXX which is a Chase Service Department number. The man who called me advised me that my debit card had been hacked, for the fourth time this year. He knew all of my information, new and old address, email, phone number, and he even knew that I had just gotten a new debit card recently. He asked for my pin, which I gave because I have had to provide my pin to Chase many times in the past and thought this was protocol. He then sent me two confirmation numbers via text and requested I read them back to him to confirm my account. I later found out that those confirmation numbers were used to open a digital wallet with my debit card number, ( I did not give this person my debit card number, he found that out somehow himself ). As soon as I got off the phone with this supposed Chase employee, an ATM withdrawal from my Checking was made in Georgia. I then called that exact same number back, was on hold for an hour, was supposed to be transfered to a specialist and got disconnected. The next day I woke up to many charges made in Georgia, mind you I live in XXXX, OH. I spent approixmately 11 hours on hold, was disconnected many times, before finally a day later I was able to file a claim. No one from Chase instructed me how to lock my account and my account was never flagged even the charges were made one after the other. I ended up with - {$900.00} in my account. Chase reimbursed me a week later, only to reverse the reimbursements two weeks after that without notifying me that the claim had been finished and they decided to deny my claim. I ended up having to re open my claim 3 times, I provided them with as much information as I possibly could. I faxed over my phone log and text log to show that this person called me. Basically Chase determined that since this person had my pin, it was not fradulent and refuse to do any more. I would like this looked into and would like to be fully reimbursed so I can close my Chase account. This is the fourth time my account has been hacked, so clearly Chase has a severe security issue. Below are all the fradulent charges made : XX/XX/XXXX : ATM Withdrawal - {$100.00} XX/XX/XXXX : XXXX XXXX {$200.00} XX/XX/XXXX : XXXX XXXX {$180.00} XX/XX/XXXX : XXXX XXXX {$160.00} XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX {$39.00} XX/XX/XXXX : Online Transfer from Savings to Checking - {$340.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00} XX/XX/XXXX : XXXX XXXX {$100.00}
Consumer complaint received 2016-06-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

For the last 9 years I 've had numerous issues with my student loans, many I 've already voiced to CFPB, this is just another issue in a long line of problems. For the past two years I 've been on a " payment plan '' the deal was I pay for 3 months on time with automatically withdrawn payments and they send me a copy of my new updated contract, also after 3 months my interest is supposed to have gone down to 0.01 % because they 've already at this point charged me so much interest my loan is well over double the original amount. Well it 's been two years almost and nothing. I was kicked off the program once even with no notification, and they kept taking out the money every month, it was only after several harassing phone calls did we figure out we were kicked off. I was put back into the " payment plan '' about spring of last year and we still have yet to receive any notification of new contract, not only that but none of the payments I 'm making Are showing up on my credit report, it just says I have n't made any payments in over 90 days! This is preventing me from buying a home for my family.. We do n't qualify for anything because this loan is so greatly affecting my credit. They give us no contact information in the letters we do receive from XXXX, it 's a weird dept handling my loan and when I call no one can get me to the right person to talk to ... I 'm at me wits end, I want to start my life, care for my family and not have to pay almost XXXX what I borrowed!
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

XXXX   XXXX  I wanted to explain our circumstances in this situation. My husband had a   XXXX   XXXX   XXXX   and we missed  one m ortgage payment. Made a deal with the bank to pay an additional {$200.00} per month. Which we did. Bank called  one day  saying they were no longer accepting our payments. My husband insisted on paying any way. The bank called again to advise they were n't accepting any mortgage payments. I asked where are the  3 pay ment I sent. The bank said they had no idea where that money was. So we did stop making payments since the bank was playing some type of game. A few months later we received a summons that they were starting foreclosure. We called the bank and they said do n't worry about appearing in court, this is just to verify we were living here. They advised us to try a loan modification, which we did. Then there attorneys contacted us with a three-month trial modification which we did. Paid them {$250.00} and them {$250.00} for 3 months to the bank. After we completed the program they said the investors decided not to go with it. We ended up in court and they were putting our house for sale. The judge advised us that we were suppose to answer the compliant. He considered the situation we were in and gave us 30 days to answer the complaint. We tried to handle it ourselves. We provided the copies of the  three checks that PNC had lied and said we did n't pay. Thinking this would be enough proof that PNC  lied. But it was n't and the judge ruled in their favor. Went to legal aid and they addressed our situation and we won. We then hired our current attorney,  XXXX   XXXX  had a trial and won the judgement. He advised the bank gets nothing. A new case was started without an appeal.  PNC just passed up the appeal process. PNC  's lawyers knew we had the checks where they said we defaulted. So then they changed the default date to  XXXX . Our lawyer addressed this to  XXXX   XXXX  the different dates. However all these lies did n't matter to her.  PNC  is involved in fraudulent foreclosures, the judge is aware but is bias to us and is reselling our house  XXXX / XXXX / XXXX . We won the first judgement and  PNC st ill does n't have proof of the right to foreclose on us as they are not the legal server of this note. We are being denied our constitutional rights and double-jeopardy is being used against us. We are in desperate need of help.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  Case #  XXXX  won judgement  XXXX   XXXX  new  one PNC  still does n't have the legal right to foreclose but Judge  XXXX   XXXX  is allowing it Reported her to the Chief Judge and he advised all his judge are fair and follow the law Obliviously he is n't going to help us
Consumer complaint received 2017-04-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (OK)

On    XXXX   XXXX   XXXX   I went online to the my Syncrhony website to make a payment. Upon submitting the payment the website provided an error and the payment did not go through. I then had to close the website completely go to another pc as the website would not work and submit the payment. I received a confirmation the payment went through. Today i received a call that my payment did not go through was late and needed to be made. When i asked if i was reported late the person said i do n't know. I told then this was not acceptable as i made the payment. The person said i do n't know if your credit will be affected. this is not acceptable i made the payment. I then asked to speak to a manager who says she will  waive the late payment charge when i ask about my credit she says you did not login on line on the  XXXX  you tried to reset the pw only. I assure you not only did i login i received an error, went to another pc in my home, reset the pw and made the payment. She says she will open the investigation but no one will tell me if my credit is affected. This is not acceptable. Further, we have another synchrony account and when we tried to login to make the payment today it says the website is down so clearly the website does not work. Something is wrong on their side and they claim i did not make the payment. I have not missed a single payment on either account yet they want to damage the account standing. this is not acceptable. I want resolution. When they said they would open a ticket she said may be 3-5 days but no guarantee it will be that would be longer. This is not acceptable. Please correct
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NY)

I was told I could not pay off my loan because Great Lakes  (   XXXX    was the representatives name ) lumped all of my loa ns into one payment.   XXXX  told me that I have to satisfy my minimum monthly first before I can pay off my loan. My monthly payment is  one monthl y payment for all of my loans. Each loan was given a " token number '' but was rolled in to one payme nt. Each loan has different interest rates. I am trying  to payoff one specific loan that is a low balan ce but high rate. They told me that even though I have a monthly automatic payment set up that I CAN NOT PAYOFF THAT LOAN. They said I have to make the minimum monthly payment  FIRST! I am trying to payoff one loan that they took upon themselves to roll into one big loan. This is costing me daily interest that the company is profiting from by not allowing me to payoff my small loan that they rolled into one big loan.
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

This is about XXXX claim I understand that the payments look authorized on PayPal, but I was still scammed I did not receive what I paid him for the transactions look authorized because he keep telling me to send him more money to reactivate my account every following week till the end of the month when he said my account would be reactived, please he scammed me I provided information of him of his profiles he still is scamming more people I really need my XXXX $ from him I need it for rent please reopen my case, I dont understand the companys response they are just explaining me how the transactions were made like every other place I called the bank, PayPal I just want to know if I can get my money back this person scanned me XXXX XXXX my music account was my only source of income I gave him all I had left to reactivate it he told me it would take by the end of the month to send him money every following week or day to reactive it and told me he was even going to send my payments to my PayPal account bjt never did he got my hopes up at the end of the month when he said it would be reactivated he blocked me, the payments look authorized but I never got my account reactivated I had to quit music and get a real job this guy ruined my hopes and cost me almost 500 $ please atleast help me get my money back he scammed me and he is still scamming people
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (UT)

There a re two collections accounts on my credit. These are not my accounts.   XXXX   and  XXXX  have both removed them fro m my account. However, Experian will not remove it. I have sent letters disputing this with them. They do nothing. I have asked Experian to provide proof that these inquiries were in fact authorized with an instrument bearing my signature. They can not provide any proof, because my signature was never used for these accounts. They do not belong to me and Experian per section  609 of F RCA must provide the original proof that I signed for these accounts.
Consumer complaint received 2017-04-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: STERLING JEWELERS, INC. (CA)

I walked into a Kay Jewelers to purchase a gift for my daughter. Upon making my selection the representative was trying to sell me on their credit card, given I had a great credit history with them this would only be a " soft pull '' and would not impact my  cre  dit score i n any negative way. I informed him I 'm in the process of purchasing a home and any negative inquiries would reflect bad. The representative talked to the store manager and both assured me its a soft pull. I proceeded with the transaction and within a couple hours I received an email from  XXXX  notifying me of the hard pull. I was furious and complained immediately, and the representatives apologized as they misinformed me and offered me a {$50.00} voucher upon making a {$150.00} purchase to serve as compensation. This clearly did not help. I escalated this further to their customer service management in their call center and they offered me a {$50.00} gift card, which I declined as I 'm not looking for monetary compensation, I 'm looking for this hard inquiry to be removed. Everyone agreed the store is at fault, however they are not willing to correct the error. This is a UDAAP violation at best and potential FCRA violations as they conducted an unfair, deceptive and and misleading practice, which impacted me  ( monetary ) as I  'm trying to purchase a home and now my score has decreased!
Consumer complaint received 2017-04-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rossi Law Offices, Ltd (CT)

a letter arrived in the mail. creditor is bogus. pretty sure this is a scam. debt for a car of   XXXX   addressed to a person who was born in  XXXX  the name is the correct name of my son.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MN)

FILE COMPLAINT ON EQUIFAX CASE #  XXXX  NO NO YOU DO NOT GET TO INVESTIGATE AGAIN YOU FAILED TO COMPLETE THE INVESTIGATION TH E 1ST TI ME WITH IN THE FCRA 30 DAYS THAT YOU HAD TO INVESTIGATE I 'M GOING TO NEED YOU TO DELETE THIS ASAP Dear  XXXX , Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online.   To accept receipt of the results of your investigation online, please click on this hyperlink :   XXXX   XXXX   XXXX     XXXX  Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion.     We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.     To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, yo u may be able to initiate an investigation request via the Internet 24 hours  a day, 7 days a week at :   XXXX   XXXX   XXXX   Using the Internet to initiate an online investigation request will expedite the resolution of your concerns.     Unsubscribe : If you do not want to receive these emails, please click on this hyperlink to unsubscribe :  XXXX  :  XXXX ?  XXXX  Please DO NOT REPLY to this email as this is a system generated email and will not be read.     Thank you for giving us the opportunity to serve you,   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

I phoned FedLoan Servicing XX/XX/22 about my loan forgiveness application and the calculations received. I waited on hold for 40 minutes. I finally decided to request the call back and by the time I received the call back hours later in the day, I was unable to take the call. 

I phoned again on XX/XX/22 and waited on hold for 50 minutes, despite the recording saying it was a 15-20 minute wait. I hung up and called again to request a call back. This call was placed at XXXX. I received a call back at XXXX only for the agent to ask what my call was about - EVEN THOUGH I INDICTED THIS IN THE REQEST VIA THE AUTOSYSTEM and she proceeds to PUT ME ON HOLD AGAIN for what is has now been 19 minutes as I'm typing this and counting.

This is UNACCEPTABLE and infuriating. What working adult has time for this. This is a way to skirt responsibility and answering questions and I am beyond frustrated. They MUST BE HELD accountable.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Scratch Services, Inc. (CA)

Back on XX/XX/2021 I received an email from Scratch loan servicing stating that my XXXX loan had been forgiven & is paid in full! I was excited & grateful for this. About a month or so later, I never saw this positive debt reflected on my commercial/business credit report. I found information on Scratch 's website stating that they do report to these bureaus, like XXXX XXXX XXXX. I have repeatedly called & emailed Scratch for about 2 months, receiving 1 reply that they will contact me back. To this date, I have not heard back from them. I then reached out to the lender directly, XXXX XXXX XXXX. They said they would contact Scratch on my behalf and that has had no results. I am requesting that Scratch honor their reporting guidelines as stated on their website, and I believe is a guideline/rule with the XXXX as well.
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

My accounts with :   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX    XXXX  #  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX  were paid in full at  XXXX   XXXX  and are not a valid collections account, you will find the receipt of payment attached.     Please remove these erroneous accounts immediately.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DE)

I filed a dispute with Equifax for an   XXXX   collection account on my file. This debt belongs to my son, not to me. They left the item on there. I can not be held liable for a debt that belongs to my son. This is a violation of the Fair Credit Reporting  Act. Sect. 611 ( a ) ( 5 ) ( A ) ( i )
Consumer complaint received 2021-04-22
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. (MI)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX  Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.