davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (NM)

In XXXX I opened one XXXX XXXX account. XXXX and XXXX of XXXX I ordered items from my account. I log into this account with my user name and password associated with the account and my account number. I pay my bills before the due date and every month. I tried to order items and I was denied and XXXX XXXX said I didn't have enough in my credit line and I knew I had more than I needed for what I was ordering. I started to receive late notices in my name and I ignored them due to me paying my bill for my account prior to the due date. I opened one to find out it had a different account number. When I called XXXX XXXX to question the manner they said that they opened the second account, without my knowledge or consent. 
I spoke to several people at XXXX XXXX regarding the mysterious bills and when asking for a supervisor the agents said " you can talk with me ''. XXXX XXXX, XXXX One agent said that they were getting me to a supervisor and when that person got on the phone they never said who they were or what role. I don't believe I ever spoke with a supervisor. I spoke to the " supervisor '' on XXXX XXXX, XXXX they explained that XXXX XXXX merged both of the accounts. XXXX XXXX 's opening the second account put me over my credit limit and now they're demanding money past due and my account has been flagged. I believe their should be some compensated because I took this serious and XXXX XXXX didn't. It was stressful talking with agents representing XXXX XXXX and stress from their fraudulent act of the second account. I contacted them several times over months because I was concerned about my credit and they treated me terrible. The worst part is this fraudulent account they opened in my name is messing with my credit report.
Consumer complaint received 2021-01-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I am trying to refinance my house with another company. We were on a forbearance plan and have made the last three months of our mortgage payments. We only deferred two monthly payments. I have called Mr. Cooper several times and asked for a forbearance closer letter. The say they cant give it to me, that only one person can but no one can get a hold of her. They say she is my Dedicated Loan Specialist. XXXX XXXX. They have no direct number to her and no email for her. All I need is a letter that everyone says they know what it is, but cant give it to me. I need a forbearance closer letter.
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC (IL)

The company ATG Credit, located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, on behalf of original creditor XXXX XXXX XXXX XXXX claims that I owe a past due balance of {$110.00} to the original creditor of XXXX XXXX XXXX XXXX The collection was opened on XX/XX/XXXX of 2020. I have no knowledge of the debt whatsoever besides the simple information that my credit monitoring service provided me. Furthermore, I am not familiar with XXXX XXXX XXXX XXXX  or ATG credit. I have not received any notification by phone or mail of the debt in question and these companies do not have a contact with my signature.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

The company I am filing the report against is PAYPAL. 

1 ) My friend delivered a baby in XX/XX/2020. 
2 ) I used PAYPAL to transfer money on XX/XX/2020 to my friend on this occasion. 
3 ) PAYPAL put that transaction as pending. PAYPAL withdraw the funds from my bank account and refuses to pay it to my friend until i submit the required documentation. 
4 ) Their required documentation is to upload child 's birth certificate in order to release the funds that they have already withdrawn from my bank account. 

Why would anybody upload a friends child 's birth certificate to be able to give gift funds? 

5 ) i requested them to cancel the transaction.

6 ) they continue to ignore my request and ask me to upload the child 's birth certificate in order to do anything with the funds they are keeping. 

Not sure how many such incidents have occurred and how much money PAYPAL is holding from people and making money on our money.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (FL)

The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (NC)

I called for my mother. She doesn't speak XXXX very much, so I called for her. 

During the call, the person wanted her to pay off a debt from 2004 from GE Bank. The woman " XXXX XXXX '' of " XXXX and XXXX '' stated that she represented a " group of lawyers and investors '' ... and then kept asking what would we like to do about it and if we didn't do anything, she would take my mom to court. 

I told her that I would like to settle a resolution, but I wanted to do my due diligence on the company before handing over any of our financial information. So, I started asking questions like who she was, what's her direct phone number, what company does she work for, what is her employee identification number or company identification, what state are they licensed in, what is the attorney 's name ( since she was representing a lawyer ), and what is the website that I can review. 

Besides her " name '' and website, she could not provide me with any information. The website ( XXXX ) was fake and it was created by XXXX ( the social logo was still XXXX ). 

After I kept asking about the information, she became irate and starting yelling telling her that " I'm trying to do you a favor '' while still refusing to answer my questions. 

This company is a fraud from all that I an tell.
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Turner Acceptance Corp. (IL)

I got a loan of {$6500.00} with higher interest of 33 % with turner acceptance corporation in XXXX Illinois on XX/XX/2018 with a payment of {$260.00} with an annual finance charge of {$4500.00} It was my first loan to get a car and my time to come to USA .I don't know how it working and I was looking for building my credit score so I accepted and signed all documents now am realizing that the try to make me paying double.after interest the charge me monthly payment fees which is added on every payment am making each month.after calculated everything for {$6500.00} loan am paying more than {$5000.00} more..which means each month I'm paying the loans plus interest plus an financial charge.i said no am gon na pay the loan with interest but not annual financial charge am supposed to pay my loan with interest like we set it on my schedule. 
It's when I got another loans from another company am realizing that the try to steal me.
Consumer complaint received 2019-08-15
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: WELLS FARGO & COMPANY (TN)

on XX/XX/2019 i called wells fargo XXXX XXXX XXXX credit card customer service i talked to XXXX at phone number XXXX i told him that on XX/XX/2019 a credit card balance refund of {$25.00} was subtracted from my credit card balance.I did not receive a refund in the form of a refund check or statement credit.All he responded was i did and never explained to me in what form of payment did i receive.Wells Fargo owes me {$25.00} and i request a refund check of that amount
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have tried numerous times to have a bankruptcy that is reporting on my file removed as it is not mine. The company reporting it to you XXXX is frozen to my personal information due to fraud. So how is it possible this wrong information is reporting on my credit report. This is my last attempt to have it removed or I will be taking legal action.
Consumer complaint received 2022-08-06
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: CITIBANK, N.A. (NC)

On XX/XX/2022, a fraudster made three purchases through my XXXX accounts using my CitiBank card for two digital gift cards valued at {$200.00} in total, as well as a capture card valued at {$420.00} on XXXX through a second CitiBank card on which I am an authorized user. Both the gift cards and graphics card were delivered to individuals in XXXX, Florida, yet I live in North Carolina- this confirms that I did not make these purchases. 

I reached out to CitiBank to dispute these charges as fraudulent charges. While they first reversed the charges, they eventually reversed their initial credit and claimed that the initial dispute that I filed mismatched my explanations and had conflicting statements ( this was due to their software not having " fraudulent charge '' or " fraud '' as a possible selection option when making a CitiBank claim ). 

Citibank proceeded to claim " I indicated that [ I ] accept responsibility for this charge '' - I never did, since they were not mine. As a result, they closed the dispute and ruled against me, forcing me to pay for these items without an explanation. After calling the bank, a customer support agent told me I had waived my right to dispute these charges.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

XXXX XXXX I received emails from Best Buy for a purchase I did not make. I contacted Best Buy on that date concerning the fraudulent purchase, and I was told to call during business hours. On XXXX XXXX I called Best Buy and spent almost 2 hours between being bounced around the call center and being hung up on. I feel that Best Buy purposefully makes it difficult to reach them to report fraud. Since I was unable to report the fraud to Best Buy, I attempted to contact Citi Bank the card issuer. I was finally able to speak with a person, but they would not take my report of fraud on this card. I requested to speak with a supervisor and was told this was not an option. At XXXX local time I specifically said that I was reporting fraud on my credit card, issued by Citi Bank thru Best Buy. At this point the call was disconnected. The resolution that I am looking for is that the credit card be frozen, no further charges be allowed, the charges be investigated ( since items continue to be purchased and mailed out of state ).
Consumer complaint received 2021-03-27
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 2023-07-28
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-08-15
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. (IL)

Equifax ; XXXX and XXXX  are reporting incorrectly ( 30 ) plus days late on the DPT ED/XXXX ; XXXX and XXXXXXXX XXXX partial account numbers : ****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. ( Please see pages 5 18 and 23 - 30 of the attached credit report. ) These payments were made on time every month. I and not understanding why there are multiple reporting errors on these accounts. I have contacted the Dept of Ed ; XXXX and XXXX to delete the lates reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed. I have also contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is in violation of RESPA guidelines and in violation of CA HBOR. This dispute is being filed to establish a paper trail of these  violations for litigation purposes. 

1. RESPA requires lenders and servicers who receive a modification package to acknowledge receipt of that package within 5 days and provide an answer to that request within 30 days. Wells Fargo has received a complete package yet has established delay department referred to as a re entry department which has made Wells Fargo violate RESPA guidelines. The package was submitted on XX/XX/18. As of today XX/XX/18 we have been advised the re entry department is unnecessarily holding up the file for erroneous reasons. This is not acceptable 2. Wells Fargo re entry department states their mission is to determine whether a person can apply for a loss mitigation option based on previous attempts. CA HBOR removed the provision this year that allowed lenders and servicers to deny borrowers loss mitigation review based on previous reviews. Therefore this is an illegal practice by Wells Fargo and it must Cease and Desist that practice in CA.
Consumer complaint received 2019-08-15
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 recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXXXXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

In XXXX I attempted to create my online MyEquifax account to monitor my credit information. I have been unable to gain access to my account ever since, instead receiving a screen with the text " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' on it when I attempt to log in. I have tried calling this number multiple times throughout the past years to get this resolved : the first time in XXXX I was passed around to various departments who claimed that their department didn't handle this issue until I eventually hung up after around 2 hours of being transferred repeatedly. The second time in XXXX I was told that I needed to contact Equifax support via their email service, which I did and was promptly told that they couldn't do anything for me and that I needed to call the same Equifax support number again ( XXXX ). The third time I called in XXXX, I was sent a password reset link via my email address, which I reset my password with and still encountered the same screen as before when trying to log in with my new credentials ( " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX '' ). As such, I am unable to access my Equifax account and credit information and Equifax has been unable to resolve this issue for 3 years now.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

XX/XX/19 I emailed to get a payoff letter. I received no response. On XX/XX/19, I contacted the company to get a payoff letter. She stated it would be sent to me via email on XX/XX/19 Tuesday and it will be good for 30 days. Tuesday came and went. I contacted the company again only was able to get a voicemail and then I sent an email with no response. I contacted the company again on XX/XX/19 with some story about they have to wait to send me accurate information because they don't want me to underpay or overpay. They received a payment from my garnish wages on Tuesday so it changed the amount owed. But before the payoff amount would be good for 30 days. After several phone calls, still no payoff letter and no date on when they are able to give me a payoff letter.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EOS Holdings, Inc. (ME)

Eos cca is the company originally XXXX they broke there own contract they wouldnt fix the dish didnt have I XXXX I mean not any services at all, I then canceled service because they refused to fix it then they sent out the wrong boxes after I called them to send out the new boxes they told me to keep them horrible customer service then proceeded charge for the contract they broke not me because refused to fix services and Satellite boxes they were refused to ship out the right boxes they ship smaller boxes on purpose then charge me instead of shipping which is felonious contact me further information XXXX sincerely XXXX XXXX XXXX XXXX ps because of the harassment I would like to sue this company for false/Inaccuracies on my credit report.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

The Company GM Financial has not reported my account as Closed to all 3 credit bureaus, my account was paid off on XX/XX/XXXX for amount XXXX and the company failed to report the correct information to all 3 credit bureaus.
Consumer complaint received 2021-03-27
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: EQUIFAX, INC. (CA)

XXXX : XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SC XXXX Phone : XXXX XXXX : Improper reporting to the credit bureaus ( NEVER LATE ; rolling XXXX ) XX/XX/2020, XX/XX/2020. 

Good day. I am reporting that XXXX Mortgage had " falsified '' stating that I was late on my mortgage. I have NEVER been late. As a matter of fact, they had drafted monthly out of my account. I am a real estate investor and own many problems so I can assure you that money is never an issue with me. However, what is an issue is that this company had reported my mortgage late. I need this over turned immediately. I have provided my information, and email that's notarized, and I hope respectfully that this incident is overturned in my favor. Thank you and have a great day.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX XXXX XXXX the dates wereXX/XX/2020,XX/XX/2020, XX/XX/2020,XX/XX/2020 my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.