davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
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. (FL)

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report and showing balances. I have disputed the information several times with Equifax due to both of these items were included in my bankruptcy. Equifax has yet to update and validating the debt
Consumer complaint received 2022-08-30
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. (TX)

I have an inquiry on my Equifax credit report from XXXXXXXX XXXX from XX/XX/XXXX that I do not recognize or authorize. Ive tried calling XXXX to let them know, but they stated I would have to call Equifax to get it taken care of. I called Equifax and they stated I needed to file a report on FTC, in which, I was directed to this page. I need this taken off of my report because it was not authorized by me, and according to the FCRA, legally, this unverified unauthorized item must be removed.
Consumer complaint received 2022-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I filed an Income-Driven Repayment Plans on studentaid.gov for Nelnet and linked my IRS tax information per requested. I also printed a PDF files application along with IRS transcript tax information on Nelnet 's webpage. Nelnet emailed asking for proof of incomes and I have provided W2 and IRS transcript on their website and emailed. Nelnet send a physical letter saying they need the most income information such as paystub and W2 or transcript is not a proof of income. Now my account is on hold and I'm force to make the payment that is not under Income-Driven Repayment Plans. 

Nelnet is very misleading in their languages and requirements for additional proof of incomes. Other lenders such as XXXX and XXXX accept tax transcripts, W2 as proof of income. According to the studentaid.gov website, these documents from Internal Revenue Services itself and W2 is a proof of incomes. 

Nelnet is misleading their lenders and making the process for Income-Driven Repayment Plan confusing and complicated in what consider proof of incomes. This should be a standard practice like any other lenders as well as federal governments.
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 in the evening at approximately XXXX ( after the branch had already closed ), I drove up in my XXXX XXXX ( LIC Plate XXXX ) to the Drive-through ATM at Chase Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I used my phone to access my account ( XXXX XXXX not my debit card ), entered my pin, and requested to withdraw {$800.00}. The ATM had a weird malfunction, no money was dispersed, and took me back to the first screen as if to start the transaction again from the beginning. No receipt or money was dispersed. My phone alerted me that {$800.00} had been withdrawn from my account. Without even moving from my spot, I immediately called Chase customer service to alert them of this problem. I stayed there for about 20 minutes and the woman I spoke with told me to leave because there was nothing more I can do, and let the cars behind me go. She informed me that a temporary credit will be added to my account until this is investigated. I left, and two days later after calling Chase again, the money was credited to my account again. On XX/XX/XXXX, I noticed that they reversed the credit that was given me. I immediately called Chase again, where I was all but accused of stealing. They told me they " investigated '' and there was no problem with the machine and it is now my problem. I asked to speak with the supervisor and for them to simply look at the ATM Camera footage, and again they were of no help and told me to call the police to subpoena the ATM camera footage. I went to the Branch and spoke with the Branch manager ( XXXX ) and she told me they will try to look into it but there's nothing that they can do. She mentioned that she noticed that my account said I also withdrew {$1000.00} that same day, which would be impossible because the limit is {$1000.00} a day. In actuality, I withdrew {$1000.00} the next day but there is an error on my account stating I also withdrew it on the XXXX. 

I went to police services and they told me to go back to the bank and a police officer will meet me there to take my statement and file a report. When the officer arrived, he stated that since this isnt a crime, he cant do anything and that this is a matter between me and Chase. He came into the branch with me and explained this to the branch manager. She then proceeded to file a report asking the claims department to take another look at our claim and to check the footage. For some reason, no one had looked at the camera footage this entire time, which would immediately exonerate me and show that I did not take any money out of the ATM.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

Jcpenneys approved me for a Jcpenneys Gold Card. My limit was {$500.00}. I paid {$100.00} on my old Jcpenneys card which was the basic red card. The payment was not recorded by the people that was to process my credit card payment. So I was accessed a late fee. I called Jcpenneys after I could not use my Gold Card. and I was told the payment was not recorded. so they decreased my credit limit to under 320.00. all of this happened in less than 20 days.
Consumer complaint received 2019-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (WI)

XXXX Account number or transaction number From PayPal For the dollar amount unauthorized by me under a XXXX *** **** number no longer in use by me or anyone authorized. 

Amount {$130.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (CA)

I had opened an account with Robinhood ( RHS ) Acct # XXXX around XX/XX/2022. I connected my bank account, verified my identity, sent in the proper documents including face scans, Drivers License and a copy of my Social Security Card. I was told that I could not access my account to transfer, withdraw or invest due to my identity not being confirmed. I challenged that and contacted Robinhood multiple times, sent copies of my social security card as requested and was told the matter was being investigated. It has been one week since a hood has been placed on my account and my money is being held under false and unlawful reasons. I simply want to close my account, transfer to another broker and have access to my funds as would be expected under the terms of service. 


There are multiple complaint/case files from Robinhood. They are ; # XXXX, # XXXX, # XXXX, # XXXX.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have paying my loan on time and the bank does not report this or the balance on my credit report. This I feel has had an adverse impact on my credit score. I can prove on-time in person payments for the past XXXX  months
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Great American Finance Co (FL)

My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is XXXX for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

Hello- I have been a Chase Sapphire card user for over 7 years. Almost always pay my card off every month and never late. About two weeks ago my wife was at the store and told me her card was being declined. I immediately logged on to Chase to check on the card and seen that it was stating the account was closed and I never closed the account. I immediately called customer service because I was concerned about fraud and could not get resolution. I was transferred 2x then hung up on. I tried twice more the same day and had the same scenario play out. 

I tried two days later to call and still was not able to get an answer and felt it was discriminatory in nature. The only answer I could get was it was " bank policy '' for the cancellation. 

I still have yet to get resolution on this and it has been extremely frustrating especially having been a good customer over the years.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I have called numerous times ( sorry I dont have exact dates ) and have been hung up on many times when the collection agents didnt want to answer pertinent questions : like asking for the telephone number of the original creditor. Also I filed a dispute with the credit reporting agencies twice and got nowhere, even though its clearly obvious Im not the correct personI even explained to both the credit reporting agencies and the debt collector that there are three people in the United States with the exact same name as me, but we are all different ages and live in different parts of the country. I used to work in a debt recovery office and I know how many of these companies operate. So I am pretty certain that the collection agency sent letters to the credit reporting agencies accusing all three of us of the same debt to try and get lucky ' one of us was the correct person.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (UT)

LexisNexis, I HAVE REPEATEDLY REQUESTED DIRECTLY IN WRITING, ONLINE, EMAILED AS WELL AS MAKE PHONE CALLS TO LexisNexis, in order to opt-out of public reports to all companies and consumers, discloser of my clue choice point and LexisNexis products XXXX 
And for LexisNexis freeze my personal report. 
I am a victim of ID THEFT. 
My life has been threatened by law have the right to privacy under the said above legal circumstances! 
The Federal Trade Commission has a report concerning my personal LexisNexis report. 
and all Law Enforcement agencies.
Consumer complaint received 2022-11-05
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. (TX)

I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe XXXX economic and XXXX problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

In XX/XX/2022, Synchrony Bank sold my XXXX card to XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I inadvertently sent a payment of {$4000.00} through bill pay through XXXX  XXXX XXXX to Synchrony Bank. I talked with XXXX XXXX XXXX XXXX XXXX and they said that Synchrony Bank is supposed to forward the payment to them. To date, they have not done so. I can not speak to a live customer service agent at Synchrony Bank to resolve this, because the IVR system will not allow me to talk to a live agent unless I have an active account with Synchrony Bank, which I no longer have since they sold my XXXX card to XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MD)

Ditech approved our loan modification and then never sent us our forms to sighn.When we inquired about our forms they told us they sent them to our attorney.When we called our lawyers they stated they never received the papers.We called ditech back asked them to send the papers back to us instead of our attorney, they said they would do so asap, but before we could get the forms they foreclosed on our property.We have called Ditech numerous times they would never call us back.We took them to court but up till now we cant get any help I hope and prey that you can help us.Thanks I can be reached at XXXX or XXXX and my emailis XXXX.please call me asap we need your help desparately.
Consumer complaint received 2022-08-30
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance : {$15000.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX Bankruptcy Reference # : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHS, Inc. (OR)

SCA Credit Services, is trying to collect the PPO discount amount from medical bills that were paid in full. We have repeatedly sent Explanations of Benefits with the claim numbers showing that the claims were paid according to the agreed upon discount between the provider and the insurance company. 

SCA Credit Services, XXXX XXXX XXXX XXXX, XXXX, VA XXXX In regards to : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In looking through the documents I'm finding several different account numbers. Maybe this is adding to the problem.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

XXXX college is no longer the school that I attended and my loan should of have been discharged due to the closure of the school also the loan is still appearing on my credit report sever times although it has been consolidated into one loan.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

on XXXX, XXXX XXXX  I have transferred my phone number from XXXX XXXX XXXX XXXX XXXX XXXX  and then I tried to access my Citi Bank account but I wasn`t able to, So I contacted them on XX/XX/2022 and I asked them to fix the issue and they told me that will take a about some time to reflect the new provider and I asked them to add a new phone number to the account and they did and I reset my ATM debt card number pin with them over the phone over the recording system. and I was able to access my online account, But this Morning which is XX/XX/2022 I couldn`t able to access my online account or use the debt card and I contacted them again for about 5 times and each time they telling me that my account is under review/ blocked at the fraud department and they are not be able to verify my account and each time they hang the phone on me and they aren't able to fix the issue and I still have a balance in this account, So please help me to get the money from my account and close that account because I don`t need to work with Citi bank anymore XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NJ)

I went on XXXX to lookup XXXX  XXXX  customer support. Found a number believing it was XXXX  XXXX. Called an they pretended to be the company customer support. I didn't know that I could only withdraw a {$1000.00} a week from XXXX  XXXX. That was the reason for the call. They instructed me to place the money on another card until they fix the issue. When I did they hung up. I finally got the official XXXX  XXXX  number and told the to launch an investigation. They stole {$13000.00} from me.
Consumer complaint received 2022-08-30
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

{$400.00} was taken out of my checking account for 2 ATM withdrawals that did not dispense any funds. On XX/XX/22 i attempted to withdraw {$200.00} at an ATM. No funds dispensed, so I tried again. No funds dispensed the second time. I called my bank on XX/XX/22 and opened 2 disputes for the transactions. On XX/XX/22, I received a letter from my bank stating one of the disputes was denied. I have not heard anything regarding the 2nd dispute. I have called the bank more than 10 times and spent hours trying to get the funds returned. The bank acknowledges that one of the disputes is still in process, well after XXXX  months, but no one can assist me in getting the funds returned. On at least 3 occasions, I have been told a manager would call me back, but no one has. 
I contacted the ATM company. According to their records, no funds were dispensed. Their records show 3 attempts to withdraw {$200.00}, all of which show XXXX dollars were approved and XXXX dollars were dispensed.