davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-25
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. (NE)

XXXX contacted me about an account I did not authorize. They advised me of a balance I was unfamiliar with and I demanded validation of the account because I was the victim of ID Theft in the past. The company not only did not provide necessary documentation to validate the account but they proceeded to report the account to the credit bureaus. I already have an ID Theft report on file and need this item removed immediately. In my ID theft report I specified there was no way for me to know all of the accounts that were opened in my name but outlined a period of time I knew for sure the thief was opening accounts. I do not use credit for hardly anything and now that I do need to use it for business purposes these fraudulent accounts are hindering my ability to do so.
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IN)

I am filing a consumer complaint against my previous mortgage lender Citi-Mortgage ( CM ) for violation to the National Mortgage Settlement ( NMS ). This settlement prohibits lender abuse during the application process of applying for loan modification assistance. Somehow, my ex-wife XXXX XXXX. XXXX, was allowed to complete a loan modification without my permission nor signature in or around XX/XX/XXXX. As a result of this negligence of CM, it appears that because my home loan was allowed to be modified without my consent, the new servicer XXXX XXXX ( XXXX ) now refuses to discuss loss mitigation options with me and will only speak with the co-borrower of the loan which just so happens to be my ex-wife XXXX XXXX. XXXX. I feel that since CM, is still the owner of my loan it is their responsibility to correct the error. In fact CM, obtained a final judgement for foreclosure during the time that I was attempting to plead my case with XXXX, with regards to my rights to the home. First off, Ive provided copies of my recorded mortgage Note dated XX/XX/XXXX, in addition to this my name also appears on title for the property. See Exhibit A ( Mortgage Note dated XX/XX/XXXX ) Secondly, Ive sent copies of the Agreed Order from the divorce that was completed between XXXX XXXX. XXXX and myself dated XX/XX/XXXX, which clearly indicates that XXXX XXXX. XXXX has released all interest in the home and has no desire to be a part of the decision making process for loss mitigation nor any other subject matter relating to the property. This order releases all liability of XXXX XXXX. XXXX and appoints myself as the sole responsible party. See Exhibit B ( Agreed Order Divorce dated XX/XX/XXXX ) Furthermore, both CM and XXXX also failed to adhere to a settlement conference, which is a face-to-face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. ) CM and XXXX  have blocked me from the opportunity to satisfy the mortgage debt, instead XXXX and CM prefer to take advantage or abuse our homeowners rights in the same process which are deemed as direct violations to 'Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. )  Regulation X.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, my debit card and PIN number was compromised. I scanned my work badge entering my workplace at XXXX at XXXX CST I used my card to purchase breakfast within my job in the amount of {$5.00} ( XXXX XXXX ) When I went to lunch at XXXX I attempted to use my debit card to purchase lunch at XXXX XXXX, again within my workplace- ( XXXX XXXX ) this transaction was denied, which prompted me to log into the chase app on my phone to check the balance. I notice 2 transactions on my account at the USPS in XXXX TX, one for {$1000.00} and another for {$880.00}. I then immediately contact chase and was told my card was placed on hold for suspicious activity. Thats why my lunch transaction was declined. I was told by the bank that someone used my card at an atm and used my PIN number -- Address of the atm was XXXX XXXX  XXXX in XXXX XXXX Tx at XXXX and XXXX XXXX I was at work at this time, and I never use the ATM to check the balance. Then the USPS charges were done at XXXX and XXXX XXXX, again I was at work with my card still in my possession.. I was told that the card was then again used at the same atm as earlier at XXXX attempting to withdraw {$40.00}. This attempt was declined by the bank because they already put a hold on the card. Again I was at work wit the card in my possession. I then attempted to buy lunch at my job ( XXXX XXXX ) at XXXX XXXX, 24 minutes apart from the Last ATM transaction. I have co-workers that provided a statement that I was at work in their presence and went to lunch together that can vouch of my whereabouts and witnessed me take my card out my wallet and attempted to use for lunch, even offer to pay once was declined. To get from the ATM in XXXX TX to XXXX TX in 24 minutes and get to the cafeteria in my job is impossible - Should show that there was a second card somehow. Makes zero sense for me to go to a non chase ATM TO CHECK MY BALANCE when Then can see I check my balance on my phone all the time. And to do it multiple times does not make sense. Also if the card declined at the atm using the pin why would I go to work and attempt to use the same card for lunch without calling the bank when there was more than enough money to make the {$40.00} withdraw. I dont out feel like a thorough investigation was done to protect their customer. If it was me, why would I commit fraud like that.. Im confused how they can deny my claim when I proved it wasnt me and I had my card, I also provided the police repot info I filed. 

Went to branch and was told that sound like someone used a devise to copy my debit card and pin # -- -- If the brach is aware of this type of fraud how can they deny my request
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

I filed three fraud claims with Wells Fargo- one was approved as fraud ( {$380.00} ) and the other two were not ( {$170.00} and {$270.00} ). I have spent hours talking with the bank to no avail my account is overdrawn. I have not received a debit card. I have been disrespected and belittled by the lead at the bank I have requested to speak to a supervisor and I have yet to receive a call.
Consumer complaint received 2017-08-25
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. (NC)

According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.
Consumer complaint received 2017-08-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AL)

I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (TX)

The number XXXX XXXX XXXX called me from the financial institution CHASE saying that I had a credit card issued in my name from XX/XX/XXXX with a balance of $ XXXX-XXXX ( I do n't remember the exact amount ). I never checked out a card from them or been to a CHASE, there is n't even one near me. A little bit of research online has led me to believe that they are Scammers, but I am unsure how to go about it. 

They 've called me Mon XX/XX/XXXX and twice today on Fri XX/XX/XXXX.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

i have never missed a payment on gas card or my medical card. i knew that i would need new credit for our flooring and reduced the line of credit on my gas card by {$1700.00} and my medical card by {$4000.00}. i then was approved for less credit than i needed at 2 flooring stores. i closed those cards and my gas card to increase my chances of getting the credit i needed. i was then denied even though i reduced my credit lines by {$12000.00}. this stinks. i will no longer use Synchrony bank or its Vendros going forward.
Consumer complaint received 2017-08-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC. (TX)

On XX/XX/XXXX, I received a threatening call from XXXX XXXX of XXXX XXXX XXXX ( supposedly an arbitrator for Cashcall ) at XXXX. Threatening to file paperwork with the courts for a warrant and lien on my sister 's home ( by next Tuesday ), allegedly because her name was on the application as a co-applicant for a payday loan, but did n't have the information for the loan. She offered settlement arrangements on a {$5000.00} debt to avoid court but would not accept that I wanted it done in writing and that I would not be putting anything on a credit card. Hung up with an " We 'll see you in court ''. Then called my sister and told her to make a deal to avoid losing her home, even telling her that she should file a police report against me.
Consumer complaint received 2020-06-22
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: LEXISNEXIS (NV)

LexisNexis is reporting for a long time now an accident in my driving record, every time I try to get auto insurance that accident will come up. I called LexisNexis many times and explain that accident is not mine, they are confusing me with my father. My fathers name is XXXX XXXX and my name is XXXX XXXX XXXX, the car my dad had the accident ( XXXX   XXXX XXXX ) is the car Im driving now and every time I try to get insurance that accident will come up. Please help me fix this misunderstanding, thank you very much for your help.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

The problem I have was n't listed, so I choose what I thought to be the closest. My account was paid up, XXXX balance. I made the mistake of not deleting Wells Fargo from my payment calendar and on XX/XX/XXXX made a XXXX payment. When I realized the account had been paid off, I called my credit union to stop the payment but it had already been sent to Wells Fargo. I called Wells Fargo and they said they had n't received it but when they did, it would be credited back to my credit union account, in 5-10 days. On XX/XX/XXXX I still had n't received a credit to my credit union account, so I called WF again and spoke to XXXX in cust service. She said on the day I initally called, they had system problems and the transaction had not been processed and she would submit again. Check would be mailed, account not credited, in 7-10 days, by XX/XX/XXXX. On XX/XX/XXXX I called WF again because I had not received a check. I was told it had not been completely processed but as soon as it happened, the check would be mailed. I asked the man when the processing would be complete and he said he could n't give me a time frame. On XX/XX/XXXX I called again and asked to speak with a supervisor. I was connected to XXXX. He said a check for XXXX was sent to me on XX/XX/XXXX. I told him I never received a check and had no idea where the extra XXXX came from. He said an affidavit would be sent out in the next three days fo me to sign, saying I had n't received a check. Upon sending affidavit back, a check would be issued in 7-10 days. Address was confirmed. Today, XX/XX/XXXX, I called back since I have n't received anything. Asked for a manager and was connected to XXXX. He said no affidavit would be issues for anything under XXXX and that a check had been sent to me and cashed on XX/XX/XXXX for XXXX. He said there was nothing he could do since there was a check cashed and he could n't verify I had n't cashed it. I went back to look at all my deposits from XX/XX/XXXX though today and there is n't a deposit for XXXX, XXXX or from anything other than my pension, SS, deposits from my kids when I babysit my grandkids or when I transfer to checking from savings account. He insinuated I could have cashed the check, for cash and just 'forgot '. I told him if I had done that, I certainly would n't be going through all this for XXXX and informed him I was going to file with FTC. He then connected me to the Executive Office. I spoke with XXXX who has created a case with their investigation dept. Case # XXXX. Agents name is XXXX XXXX. She is suppose to contact me in 4-5 business days.
Consumer complaint received 2017-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (TN)

The debt collector is reporting incorrectly the date of delinquency on my credit report to make the debt appear new again. This account was charged off by the original creditor and is over 6 years old. It is being displayed on my credit report as date opened XX/XX/XXXX2017. I believe they are violating my consumer rights by falsely and inaccurately report this debt.
Consumer complaint received 2018-06-01
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. (MA)

I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ALLY FINANCIAL INC. (TX)

I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist. 
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in  a row. 
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays. 
I receive calls constantly on my work number which is strictly prohibited by my employer. 
I have received voice messages stating that I will be served paperwork if I do not return phone calls. 
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature. 
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail. 



Thank you,
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

XXXX store finance card from Synchrony is a predatory company that no one should ever borrow from. They provide VERY deceptive information about " late payment '' fees and the date these payments due are revolving. The charge is absolutely absurd as well and once an account is " closed '' they wo n't work with you to resolve any issues only ding you with massive late fees etc and laugh their way to the bank.
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sold my virtual currency ( Etherium ) on Coinbase onXX/XX/XXXX, exchanging it for Euros. I then withdrew those Euros ( XXXX ) from Coinbase to my bank account, on the same day. I received an email from Coinbase ( attached ) stating that the money would be in my account by XX/XX/XXXX. 

XX/XX/XXXX arrived and no money had arrived from Coinbase, although the transaction was marked as 'Complete ' on their website. Previous twithdrawals to my account had been very prompt, so it was unusual that funds had not arrived on time. I raised a support ticket on the XX/XX/XXXX with Coinbase ( also attached ), asking them to confirm the funds had been sent. 

I received no reply to the support ticket, so sent Coinbase support another message through their website on the XX/XX/XXXX. No response was received to this message asking where my money was, except for an automated email from Coinbase on the XX/XX/XXXX informing me that they were experiencing high volumes of support requests. 

Its now the XX/XX/XXXX - 9 working days since I requested my money be sent to my bank account - and I have received no response from Coinbase whatsoever as to where my money has gone. The amount of XXXX has been deducted from my Coinbase account, but hasnt been sent to my bank account, so I have effectively lost XXXX to Coinbase as they still have my money.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I had this credit card that was closed and paid as agreed in XX/XX/XXXX. Citibank. In XX/XX/XXXX, they sued me after reopening without my knowledge and doubles the amount owed with fees. When I called them they say they are not the one suing me, the card was sold to / Assignments rights given to Citi XXXX in XXXX and no longer owned by them. They could not even find it in their system. I ended up speaking to a XXXX in their recorders section in NY, that told me all lawsuit records are processed through her, and they Citibank is not the Plaintiff where my cases is concerned. When they, and also I did call Citi XXXX, we got the same recording that the account is handled by a outside vendor, etc .... the 3rd party vendor is the attorney firm that bought it. They have been suing me since XXXX, and this is causing XXXX and financial hardship on me an my family. My XXXX is extremely high, my doctor can even XXXX it, because I 'm constantly under this XXXX.I have paid over {$4000.00} so far, and still owe the attorney over {$4000.00}. XXXX have paid them too, just about the same amount of money and I really do n't know what my attorney office is doing. They keep passing the case around the office to their different attorneys and redoing all request afresh as a new case. 
They have all the evidence they the attorney firm suing is fraudlently using citibank from day one, and will do nothing about it. Now after 8 years of suing, and about 10 years since the card is closed, I was just told by my firm we are going to court for a trial and they, my attorney firm are withdrawing. After over {$10000.00} in fees and proof they are fraudulent, they want to withdraw? HELP, HELP.
Consumer complaint received 2017-08-24
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 have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.