davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: SYNCHRONY FINANCIAL (CA)

I have been fighting with Synchrony Bank ( XXXX ) since XXXX of XXXX. 
the first time I called them was XXXX XXXX made an offer {$3000.00} on a collection of {$3900.00}. told me they would let me know within 72 hours. I never heard back from them I would call and call and kept getting " we are still waiting on approval ''. Then when I started to call again they were telling they cant find the account and it seem to always be one thing after the other. XXXX XXXX I call and they said there was no settlement offer and that things got behind because of the holidays. So I got XXXX  of this and submitted another offer of {$2300.00} on that day XX/XX/XXXX they said call back in 7 to 10 days. I gave it alittle more time thinking that if I did they would have an answer. I call back on XX/XX/XXXX and still NO approval. At this point we are going 8 months and im just getting the run around. Finally on XX/XX/XXXX I spoke to them on an 18 minute conversation and the last minute of that she tell me that the debt has been forgiven and it will be deleted. Well this is XX/XX/XXXX and still nothing has change on my credit report.. I want this remove today from my report. This has gone on way to long and I'm getting XXXX  of their XXXX!!!!!! ...
Consumer complaint received 2020-10-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX/XX/XX/XXXXof this year ( XX/XX/2020), I had received a call to my place of employment by Navient. They had called my office, spoke with a coworker who then provided them with my direct line and transferred the call to me. I was unable to answer, so the call went to voicemail. I had called Navient shortly after and explicitly told them to not call my place of employment. I had informed them I am not able to take personal calls at work and could get in trouble I requested they remove my work phone number and to not call. 

Today, XX/XX/XXXX, at XXXX, Navient rep XXXX XXXX, called my place of employment after I have already explicitly requested they do not. They were then transferred to my line where she did not leave a message but instead immediately called my

line a 2nd time a few seconds after. It was during this 2nd call that a voicemail was left. When I called Navient and spoke with XXXX I had informed her I had explicitly told them to not call my work phone number and after being advised not to do so they still did. She indirectly attempted to justify it. During the call, Ms XXXX had accused me of being a thief, made accusations of never intending to pay and when I had informed her of my intent to file a complaint, she then threatened to escalate the matter as a form of retaliation. Furthermore, during the call she lied about the FDCPA guidelines on the number of calls they are allowed to make.

Navient rep was in violation of FDCPA for contacting my place of employment after I have explicitly requested they not call, for providing false information regarding the purview of the FDCPA, making accusations that I had stolen money from them and then threatening to retaliate when advised of my intent to file this complaint
Consumer complaint received 2021-10-04
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC. (WA)

XX/XX/2022 - I requested to close my Health Savings Account at Optum , Inc ( https : //employer.optumfinancial.com/ ) and transfer all the funds ( $ XXXX ) to XXXX. 

XX/XX/2022 - Optum claimed that they issued a check to XXXX. 

XX/XX/2022 - XXXX told me they still haven't received any check or notifications about the transfer. Then I contacted Optum again and they told me that they will reissue a new check to XXXX. 

XX/XX/2022 - When I tried to contact Optum to inquire about the status, I was told that the case was closed and there's no resolution. The customer service basically told me there's nothing they can do and can't wait to get rid of me by " Is there anything else I can help you with today? '' At this point, my HSA funds at Optum was basically scammed. It's been 1.5 months since I requested the HSA account transfer via mail ( which is another pain point ) and my funds ended up swallowed by Optum. I'll have to take legal action against Optum if this can't be resolved.
Consumer complaint received 2020-11-27
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: EQUIFAX, INC. (CA)

Close XXXX XXXX  Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but XXXX  and Equifax still have this account under my name I attached dispute information from XXXX.
Consumer complaint received 2020-10-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (CA)

I applied for loan for XXXX 60 months payment. And then, covid started I applied for payment deferrals for 3 months and i talked to 2 agents saying that theres no extra interest, and i would just pay my extra payments at the of the term. And then upon checking, i saw that they increased my term for 73 months and i called them regarding about it and they said that it accumulated onto my interest when i was in my deferred payment. So where did they get my extra 13 months to pay for them when i just been in deferred payment in 3 months. I was talking to their agent earlier and she keeps saying that because of my deferred payment it went up to like that!
Consumer complaint received 2020-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

There is a collection listed which is inaccurate I have this same company as my current service provider at my home. If I owed them money I would not be allowed to have service currently REMOVE THIS MISTAKE ASAP ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$510.00}
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (GA)

Please see my original complaint here # XXXX. I received information from you that the claim was closed because they were correcting the problem. I received a letter from Ford Motor Credit dated XX/XX/20 stating that they acknowledged their error and were sending me a check for {$7.00} in a separate letter. I have yet to receive this as of today XX/XX/20. I have contacted them through email with no response. Therefore I am making a claim once again regarding their failure to handle it appropriately.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

XXXX XXXX and I went into our local Wells Fargo Bank to try to get an accounting of where our money is going each time we successfully make a payment. We have missed 2 payments and are one payment behind at this time. The woman helping us made some phone calls to their Mortgage Center. By the time she was finished with the call, she was as confused as we are. According to Wells Fargo Mortgage, we are behind by {$1400.00}. 

XX/XX/2018 Paid XXXX ; XX/XX/2018 Paid {$1400.00} but was returned NSF ; XX/XX/2018 Paid {$1500.00} ; XX/XX/2018 Paid {$1700.00} ; XX/XX/2018 To Pay {$1600.00}. This should bring us closer to being current. We are going to continue making overpayments, but are very concerned about how our funds are being used!
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

Borrower : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX My Loan Care XXXX XXXX has been notified on multiple occasions and for several weeks that the payoff balance provided and money they collected was incorrect. They have blatantly ignored addressing this matter and providing a refund. The following has been sent to them via mail and email multiple times and they refuse to respond at all. 

" I am owed a refund. Please view the table below and adjust my payoff amount and provide a refund, as per the payment history details. Loan was current through the end of XX/XX/2020. Principal Balance was {$440000.00}. Five months of payments in the amount of {$2400.00} per month were deferred for the months of XX/XX/XXXX-XX/XX/XXXX for a total of {$12000.00}. In addition to the remaining escrow balance for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX In the amount of {$54.00} and new escrow charges for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX in the amount of {$280.00}. Total Deferred amount {$12000.00} ( 5 monthly payments + All Escrow fees ). In addition to original principal balance of {$440000.00}. 57, which Brings the FINAL PRINCIPAL BALANCE {$450000.00} from XX/XX/XXXX-XX/XX/XXXX.

I since made 5 payments in the amount of {$12000.00} which should have been applied to XXXX payment ( {$600.00} Principal + {$1800.00} XXXX XXXX and XXXX monthly payment XXXX {$600.00} Principal + {$1800.00} XXXX XXXX in the amount of {$4800.00}. 68 ( {$1200.00} principal + {$3600.00} XXXX ). BRINGING PRINCIPAL BALANCE TO {$450000.00}. XXXX ( {$450000.00} - {$1200.00}. The remaining payment balance in the amount of {$7400.00} ( $ XXXX {$4800.00} ) should have ALL been applied to the principal balance ( Per my specific request to pay down principal balance prior to refinance going into effect in XX/XX/2020. ) BRINGING FINAL TOTAL PRINCIPAL BALANCE AND PAY OFF {$440000.00} ( $ XXXX {$7500.00} ). Minus Remaining Escrow payment made ( rolled into deferral amount that was back charged ) for HOI property insurance from XX/XX/XXXX-XX/XX/XXXX in the amount of {$210.00}. BRINGING THE CORRECT FINAL PRINCIPAL BALANCE AND CORRECT PAYOFF AMOUNT TO {$440000.00}. 

Pay off payment made on XX/XX/2020 in the amount of {$440000.00} ( {$430000.00} + {$12000.00} ). Refund balance owed to customer in the amount of {$2800.00} ( {$440000.00} - {$440000.00} ). 

***Please make check in the amount of {$2800.00} payable to XXXX XXXX and overnight mail to the following address : The XXXX : XXXX XXXX XXXX , XXXX  XXXX, XXXX XXXX , CA, XXXX
Consumer complaint received 2020-12-02
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. (FL)

I send out a dispute letter to all there credit bureau XX/XX/XXXX Equifax, and XX/XX/XXXXto verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.
Consumer complaint received 2020-09-11
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX i applied for a new credit card named the " Double cash back credit card '' from citi bank. The only reason i applied for this card is because XXXX XXXX said my approval odds were XXXX chance to get approved. After applying i noticed they declined me for the reason of my credit score being low and too many inquiries in my credit. The reason i am disputing this is because XXXX  has muiltiple inquiries on my account. Which prevented me from getting approved, i did make a mistake on inquiring muiltiple times but i have had credit for over 3 years and never have i missed a payment ever. I have just left my school and started working full-time. I am very responsible and have low balances with excellant credit. I just want to earn the opportunity to increase my credit portfolio without any mistakes. To whom it may concern i hope you can help me remove the hard inquiries on my credit report so i can get approved for a credit card. My current credit score is XXXX ( XXXX  ) XXXX ( XXXX ). I have about 20 days to get my XXXX  account fixed so i can re-apply with the double cash back credit card. 
Thank You
Consumer complaint received 2020-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DE)

I have worked in public service since XX/XX/XXXX. I have not changed jobs. It has ALWAYS been my goal to utilize the Public Service Loan Forgiveness Program. Beginning in XX/XX/XXXX, with the exception of a 2 year deferment while obtaining my XXXX XXXX XXXX, I have paid every single student loan payment on time and in full via direct debit. If you're doing the math, I should have been eligible for forgiveness late last year at the end of XXXX. However, my account was still in complete chaos, as it had been for almost a whole year, after being involuntarily switched to XXXX for servicing. I had no idea what my standing was within the PSLF program and my repayment options were suddenly changed for the worse. Only now, the fall of XXXX am I able to view my " progress '' towards PSLF on their website. To my horror, I have XXXX " ineligible payments '' towards PSLF. That is over XXXX years worth of payments that are, in my eyes, WASTED. My previous servicer, XXXX, never made it clear that my repayment options were not eligible for PSLF. And now that I am married, PSLF is centered around income-driven repayment options, thereby significantly increasing my payment. My husband has never contributed to my student loan debt and it is horribly unfair to be given a repayment option that is literally 37 % of MY income.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

This is to file a complaint regarding a fraud with Chase QuickPay  where I lost {$850.00} on XX/XX/2020. 

For more than a year, I have been sending money from my Chase checking account to my daughter 's Chase checking account via Chase QuickPay Service on the Chase.com website. My daughter has been using her personal mobile phone number to register with Chase Quickpay. On XX/XX/XXXX I scheduled a recurring transaction to pay {$850.00} every month to my daughter via Chase Quickpay on Chase.com. The first transaction was scheduled to happen on XX/XX/XXXX. My daughter did not receive the money. When we followed up on XX/XX/XXXX, we learned that someone de-registered my daughter 's phone number from her Chase Quickpay on XX/XX/XXXX and linked it with a XXXX XXXX  checking account. So the money apparently went into the XXXX XXXX  checking account. This is either a mistake by Chase Quickpay ( service provided by XXXX ) or it is a fraud. My daughter did not authorize de-registering her phone number from Chase account and linking it with another account. My daughter does not have an account with XXXX XXXX  either. On XX/XX/XXXX, my daughter had possession of her phone for the whole day and no one else had access to her phone on the day. 

We promptly registered a claim with Chase ( claim # XXXX XXXX, but chase  declined to investigate the fraud and closed the case saying XXXX told them that the transaction happened as scheduled. But it was evident that the transaction did not happen as scheduled and my daughter did not receive the money. 

Upon escalating further, the case was re-opened three times, but every time Chase closed the case blaming XXXX for the error. Chase asked me to follow up with XXXX to get my money back. Chase representative gave me a XXXX claim number XXXX that Chase opened with XXXX through their back office. 

XXXX declined to register a claim for this or to follow up on the issue saying that I am not a XXXX customer and I need to work with Chase to resolve this. 

Both Chase and XXXX declined to own this issue and I was basically told that I lost the money and they can not do anything further on this. 

I registered a police complaint to further investigate this fraud ( case # XXXX XXXX, IL ) and the police detective suggested raising a complaint on CFPB.
Consumer complaint received 2019-03-09
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. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-11-26
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (LA)

I am another victim of Chime banking closing accounts with 48-72 hours notice, all the while still sending me emails about my new XXXX XXXX XXXX! If they want to close my account fine but I had around {$1600.00} on it, all on their XXXX XXXX XXXX.
Consumer complaint received 2020-11-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd ()

Complaint to TransferWise Dear Whom May Concern, My TransferWise account got deactivated and money withheld because I used TransferWise to transfer money to invest in Cryptocurrency. I received an email stating the refund will be back to my bank account in a maximumof 3 workingdays, but still now l haven't received it. Please see the attachmentfor evidence. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-19
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)

XXXX  found the 2 acccounts of XXXX XXXX XXXX  # XXXX to be inaccurate and removed the item on XX/XX/2018. XXXX XXXX XXXX # XXXX was removed during their investigations as well. I provided and disputed mulitple times with both XXXX and Equfiax aski

ng for the proof of what documents they are using to verify the information on these accounts and to provide such proof to me otherwise these accounts MUST be deleted. Neither complied therefore resulting in 2 plus years of bad reporting affecting my credit. I asked for Method of verification and it was not provided. There is multiple violations of my rights as of guidlines of the FCRA credit reporting act. Please see attach proof of deletion from XXXX  and disputes, complaints, and credit reports from XXXX  and Equifax
Consumer complaint received 2020-11-26
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. (AL)

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Equifax still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Consumer complaint received 2020-11-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (CA)

Loss of Job due to Covid 19 we had to go into a payment assist so we thought with our Student Parent Loan with Wells Fargo, we were told Forbearance of about 6 months. They are starting collections on us. This is very hard for us to pay XXXX a month but they have increased the payment and want use to pay over XXXX dollars we have received no paper work in the mail just on line banking. I have called Executive Office they have a case number but it is not or no one is working on this. Wednesday some women by the Name of XXXX took intake info for their collections department. 
All we wanted was to put the missed payment on the back of the loan it is a fixed rate they changed that to a increase baring loan. With out us or our consent. We are struggling to just pay our mortgage 2nd, and property taxes. I was able to get other credit cards down but with this added expense it increase our monthly to over XXXX a month we have to purchase food on line, delivery cost has I am Medical issues that I can not go into stores at present. We have to order everything. My Husband was a XXXX  XXXX  had several jobs for the year they have been all canceled due to no XXXX  opening with his district that he worked for and there is no news has to went. We have a crewfew in our town XXXX XXXX XXXX. our county is in XXXX XXXX. California