davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
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: The CBE Group, Inc. (VA)

XXXX of 2020 on my credit report I discovered 2 collections each for approximately 800.00. I called and discovered someone in Ohio used my information to obtain cable services. I discovered his mane and the town in Ohio. I contacted the first company and the collection was removed easily. The next company would not speak to me because I was not the name on the original order even though it was all my info.
Consumer complaint received 2020-10-27
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: AmeriCollect (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2018-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I purchase an item from XXXX XXXX XXXX, they sent me the wrong item, i sent it back. when XXXX XXXX received the return i called them and told them not to send my refund back to my card, they sent the refund back to the card anyway. I inform the company that i closed my account with my bank. The company inform me that the deposit of XXXX was put back on my card. I call the bank and inform them that XXXX XXXX put the deposit back on my card. The bank told me that once an account is closed the deposit get automatically get sent right back. I called XXXX XXXX and informed them what the bank told me, they told me to give the XXXX thirty days to get to them. I called XXXX XXXX after the 30 days was up. XXXX XXXX informed me that the deposit did not come back. they told me that the deposit of XXXX was put back on my card on XX/XX/XXXX. I called the bank and ask them to give me the date they sent the refund back so i could give it to XXXX XXXX, they told me that they do not give that type of information. I told the bank to call XXXX XXXX with me on the phone and tell them what they told me, so they did. I informed the bank that i want to speak to the supervisor. I explained to the supervisor what happened, she told me that she can see when the deposit came in and mailed out, i ask her could i have a copy of that, she told me that she could not do that.I explain to the supervisor that the deposit was sent while my account was closed.
Consumer complaint received 2020-05-04
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. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA (TN)

Yes my middle initial is incorrect with XXXX, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with XXXX. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.
Consumer complaint received 2017-11-28
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (OR)

XXXX XXXX XXXX has continually called my family members, including my ex-mother-in-law ( have n't been in that family in over a decade ). Today, the company called two of my colleagues on their personal cell phones, one of whom has only been employed here for a month. I can understand reaching out to family members, but calling people with whom I work is inappropriate, embarrassing, and harassing.
Consumer complaint received 2020-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (VA)

purchased a sofa and piece of carpet, from XXXX  XXXX, financed through acima credit llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX with {$720.00} listed as cash price, not incl monies paid in the store. I was informed, I would be contacted to let me know when my 90 days was near to payoff, no such contact was made, instead, I've been charged {$120.00} a month since XX/XX/2019, with paying over {$800.00} to date, not incl the early payoff, made this month totaling over {$600.00}, and the company is still charging to date the every two week amt of {$61.00}, after doing a payoff, complete racketeering .I am completely disgusted and would advise, No one to deal with these crooks. Had I chk XXXX  site first, I would have never purchased anything through them
Consumer complaint received 2021-01-26
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. (ID)

There is a creditor that I have listed in my complaint in which I have no idea who it is, or how they got my information. I don't know this account whatsoever and I demand that it needs to be removed immediately. I contacted this company and I am not getting any responses from them, nor do I have a signed contract with them. This needs to be deleted asap!
Consumer complaint received 2020-10-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (AR)

XXXX  KEPT CALLING MY MOM AND DAD OVER 30 TIMES TRYING TOMCOLLECT FOR XXXX XXXX, ANOTHER GREAKLAKE STUDENT LOAN. THE TWO CELL NUMBERS ARE ( XXXX ) XXXX AND ( XXXX ) XXXX AND ( XXXX ) XXXX.
Consumer complaint received 2020-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank who holds the loan and services the escrow for my mortgage account. Have not been responsibly managing the escrow portion. My account has been debited for insurance purposes but insurance has not been paid. I've been double billed from two separate companies, within the escrow for the same amount of money. And my monthly statements for escrow do not match up with what Chase Bank sent me. They're showing charges and XXXX for insurance payments on a bill that they just sent me. That are not on the paper copies that I get monthly. Looks to me that someone went in after the fact and try to add this information. And send it out on a paper copy ask for when they say they made homeowners insurance payments. I have a copy of all of XXXX statements from Chase Bank. As well as their escrow analysis statement which shows then paying homeowners insurance two two separate companies for the same dollar amount and the month of XX/XX/2020. But my XXXX and XXXX statements dispute. Now they're raising my monthly payment and saying that my escrow is severely upside down. And the dollar amount that they say they paid for the homeowners insurance is incorrect. It was due in XXXX. But after it was not paid I paid it directly from my credit card in XXXX.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OK)

SYNCHRONY XXXX MASTER CARD ACCOUNT. 

My wife and I have thousands of dollars of apple charges over several of my synchrony credit cards. 

We found these charges in XXXX and submitted a dispute. Only the charges were reversed. Synchrony keeps the other half of the fraudulent charges on my account. 

But in XXXX of XXXX, we found that XXXX and synchrony had continued to allow these fraudulent charges to continue. 

We contacted XXXX and were dismissed, telling us that I authorized the charges. Refuses to look into the charges. XXXX locks my account up and refuses to work with us. XXXX doesn't want to give back the profits they had made on these fraudulent charges. 

We contact Synchrony for help. And we were able to dispute over XXXX worth of fraudlent charges. And this amount is for the charges over XXXX, and we hadn't had the chance to fight the hundreds of the smaller amounts. 

At first, Synchrony 's premier mastercard was friendly and submitted all the disputes. They canceled the credit card and told us that we would receive letters in the mail from the fraud departments. These letters would give us contact information to send in any paperwork and phone numbers. 
The only letter we got was our new credit cards. 

It's been over thirty days, and we haven't heard or received any letters from Synchrony. No calls, no emails, just silence. 

We disputed on XX/XX/XXXX, and On XX/XX/XXXX, we started to see that they were adding the charges back on LIKE they were balance transfers. They added these charges as balance transfers without telling us why or what XXXX said. 

I have provided a snip of the charges being added back. What I see is that synchrony is adding them back as BALANCE TRANSFERS. I'M NOT PAYING THESE FRAUDULENT CHARGES, AND I'M NOT PAYING BALANCE TRANSFER FEES. 

This is crazy ; we didn't authorize these charges. And XXXX is refusing to do any investigation, and now Synchrony is refusing to help us. What do I need to do? I'm waiting to hear from Synchrony, but they refuse to respond to us. I want to work with Synchrony, but Synchrony is refusing to work with us.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (NV)

Reached out to Apple for an interest rate adjustment. They declined. I replied that I will be closing out my account once I have paid off the loan. They asked if I would like to close it today. I agreed. ( XXXX ) Went to perform a balance transfer today ( XXXX XXXX ) my access to account information through Apple was blocked. I have no account information to perform balance transfer. I reached out to customer service though the app. They declined to help. I called customer service. They were not willing to provide me with the correct card information to perform a balance transfer. Supervisor told me the accounts closed. We will only take cash. The interest is still payable. I do not find the fact that they will not allow me to transfer money to another bank as an appropriate tactic that a credit card company should be using. I feel AppleGoldman Sachs stating to close the account right away after I had mentioned I would be closing once I transferred the balance out was a predatory move to gain favorable financial position by increasing their interest payments. Customer service was not willing to partner to find a resolution. This is unfair business practice to be performing and I would like to see Apple and Goldman Sachs held accountable.
Consumer complaint received 2020-01-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

EQUIFAX REFUSES BY PHONE TO REVEAL THEIR CALIFORNIA AGENT FOR PROCESS OF SERVICE.I NEED A NAME AND ADDRESS TO SUE AND SERVE THEM FOR FALSELY VERIFYING A DEPARTMENT OF EDUCATION LOAN THEY REFUSE TO REMOVE ( IT IS NOT MINE ) .BY LAW THEY ARE REQUIRED TO PROVIDE THIS INFORMATION.
Consumer complaint received 2020-01-15
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: BARCLAYS BANK DELAWARE (TX)

I noticed an unauthorized inquiry from Barclays Bank Delaware ( Brcylsbankde ) on XX/XX/2019, on my XXXX credit report. I have never applied nor gave permission to obtain my information to this institution. I have sent several letters to this company and no results. Please provide a bearing signature and application that was created with your company. I am a victim of identity fraud and have locked all of my credit files. Please remove this as soon as possible as it is harming me.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IA)

XXXX XXXX XXXX Bank /checking / amount stolen XXXX XXXX company not working with me closed account number off all these accounts that were robbed and had identity theft and fraud done to them. I would also like a full refund from my accounts the person stole money from which is XXXX XXXX / Chase JP Morgan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 2. XXXX XXXXXXXX XXXX XXXX XXXX Fraudulently Filled Two online Applications. 3. First premier credit Card. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking Acct XXXX Fraudulently took XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank Acct XXXX XXXX XXXX XXXX. 
Filled out XXXX Credit Card XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ). XXXX. XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX. Acct XXXX Acct XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX
Consumer complaint received 2020-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/XXXX, I made a purchase on XXXX for a pair of hair clippers. I have yet to shipping information or the product causing me to feel it was an internet scam. I was provided an invoice and order number through Paypal.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I had a XXXX credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXX I ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted XXXX NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, XXXX continues to show this every month on my credit report statement and this is not the true reflection of my account at present. XXXX agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of  this year XXXX continues to report my account status as delinquent 90 days+.
Consumer complaint received 2020-05-04
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}
Consumer complaint received 2017-09-09
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. (NJ)

Received notice of a cyber-security breach from Equifax. I following a step-by-step instructional to see if I was a potential victim of the security breach and the result returned a true response.
Consumer complaint received 2018-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Originally when I purchased my home in XX/XX/XXXX I was told that I would pay PMI insurance for 5 years. After 5 years if I had 20 % equity in the value of my home I could stop paying PMI. 

On a visit to the bank ( Wells Fargo, loan servicer ) around XX/XX/XXXX I was told that if I waited till XX/XX/XXXX I already had enough equity in the home and by then 5 years would have passed and I could apply to remove the PMI payment. 

I contacted Wells Fargo this month XX/XX/XXXX to remove the PMI and they told me no they wont do it. they say that the agreement with the original lender is that I have to have paid 20 % of the original loan to remove the PMI. 

This was not what was explained to me when I signed with my broker and also not what was explained by the mortgage advisor at Wells Fargo the year previously. 

I would like help to have this PMI payment removed I have enough equity and I dont believe I was informed correctly when I took out the mortgage. 

Thank you, XXXX XXXX.
Consumer complaint received 2017-11-27
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (GA)

After finishing grad school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. Navient reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was missed. and
Consumer complaint received 2020-05-04
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$910.00}
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CO)

So I filed for unemployment back on XX/XX/2020 and was APPROVED. The sent my my UI pin and I elected to get a prepaid debit card. I was advised mailing takes approximately 7-10 Buisness days. Its now XX/XX/2020 and I still have no prepaid card. I have not been able to get in touch with anyone not at the unemployment office nor at the US Bank Relia Card Holder services. Yesterday I was holding for over 3 hours. This morning I was holding for over an hour before we gave up and contacted you guys. Now mind you we have been trying to contact the offices for weeks now in reference to the card and nothing works. I have been unsuccessful. I have had an entire agent from the Unemployment office email me directly asking questions pertaining to my unemployment insurance basically hounding me about my unemployment and over a couple of days going back and forth and making sure I answer all of his questions, I asked him the question about my pre paid bank card and why I havent received it and was there a way I can file with them a lost and or stolen debit card and he never responded and that was less then a week ago. I lost my UI pin and requested a new one and nothing happened with that either. We are about 6 weeks in and I need to pay my bills including rent for my family of 3 and still nothing has been done!
Consumer complaint received 2019-02-18
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

After sending certified, return receipt letters to XXXX  on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from CHASE, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.