davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Accounts, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-09-17
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 (MI)

I have two credit card accounts with XXXX XXXX. ( XXXX XXXX XXXX &   XXXX XXXX XXXX  ) On XX/XX/XXXX of this year a salesperson at XXXX XXXX XXXX requested an increase on my XXXX XXXX XXXX credit card. Instead someone at Synchrony raised my XXXX XXXX credit card amount and put the first charge from the XXXX XXXX XXXX retailer on that account. I have called and done a live chat with Synchrony and instead of just transferring the increase from one card to the other they lowered the XXXX XXXX card and then refused to up the XXXX XXXX XXXX card. This is clearly their mistake and now all these mistakes will be on my credit report not to mention now I can't purchase the kitchen renovation that I thought was all on order.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

Obtained this card through a store for a purchase I was making at the time, got a promotional purchase that allowed me to pay interest free if paid by a certain time. I had since not used the card but had automated payments going thru each month a bill was due and not once had I missed a payment. My intentions was to pay the card off as the promotion is coming to an end, I received a credit alert saying that Synchrony had reduced my available credit from {$500.00} to {$250.00} for no reason at all. I had not authorized Synchrony to pull my credit nor would they have a reason to do so given that this account is fairly new and hasn't been used that much ( at least not in the moment ). As of a result of Synchrony 's action it had reduced my credit score and reflects poorly overall for my credit utilization. This has potential to harm me financially in the short term for again no reason at all. I had not applied for anything further from synchrony and in fact hold a Amazon account with them that is also paid for automatically and has never been delinquent,
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Good morning, I created my Coinbase account in XX/XX/2020. A few months ago I passed an XXXX  from my digital wallet ( XXXX  ) and since two months ago my Coinbase account appears as " account under review ''. Nobody gave me an explanation, I have uploaded my identity documents several times, I have contacted the technical support on XXXX and via email and they do not offer me any help. They open case tickets and close them without answering me. It's embarrassing. I read on the internet that there are thousands of people in the same situation as me. They hold people 's money and don't give any explanation. 

I hope you can help me, thank you very much.
Consumer complaint received 2021-07-27
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. (PA)

A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX  appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.
Consumer complaint received 2021-07-27
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-27
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX! XXXX DOB - XX/XX/XXXX LAST XXXX SSN - XXXX FILE NUMBER XXXX PLEASE APPLY THESE LAWS TO MY ACCOUNTS : I AM WRITING TO ASK THAT YOU DELETE ALL UNAUTHORIZED INQUIRIES, DEROGATORY REMARKS, AND CLOSED ACCOUNTS, ALSO FRAUDULENT ITEMS THAT I HAVE FOUND IN MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO REPORT THESE ITEMS BUT HAVE YET RECEIVED ANY RESOLUTION. I AM AGAIN ASKING THE ITEMS LISTED BELOW TO PLEASE BE DELETED FROM MY FILE AS MANY OF THESE ITEMS ARE MISREPRESENTED ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS AND DEROGATORY REMARKS HAVE MADE IT HARD FOR ME TO LIVE A DECENT LIFE. 


DEAR SIRS/MAMS THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C SS 1681 ( FCRA
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

On XX/XX/2018 I noticed XXXX XXXX XXXX Report a balance of {$960.00} on my XXXX, XXXX, and XXXX credit file which I do not recall. I havent received anything from this company at all via phone, via postal service, or any contact method. This is harming my score I requested something bearing my signature from this company.
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (PA)

Robocalls would start 5 days ahead of due date XXXX XXXX of every month ) and continue till payment was made. Loan contract stipulates 10 day grace period with no penalty. Calls started XX/XX/XXXX & continued till I refinanced with another company in XX/XX/XXXX. Made numerous complaints to Westlake to not call. Was told to call in ahead of payment date to let them know what day I would pay.
Consumer complaint received 2021-07-27
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MD)

I asked for a full investigation of a bankruptcy reporting to my credit file. I asked for documentation and proof of the investigation. I want to know the source of the information. I contacted the US Bankruptcy Court and was informed that they do not report to any other company or credit bureaus. The only one entity that could officially verify the bankruptcy has verified that they did not. So I am confused why LexisNexis is providing this information for it to be furnished to my credit report. If the US Bankruptcy Court did not report this and there was no permissible purpose to furnish this information then a bankruptcy should not be on my consumer report
Consumer complaint received 2021-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Chase received two direct deposits in my checking account totaling {$26000.00}. The first deposit was made on XX/XX/XXXX for {$21000.00} and the second deposit was made XX/XX/XXXX for {$3300.00} When I called Chase in XXXX of XXXX to ask when my funds will be available they told me " your funds are suspended '' and that I had to call XXXX XXXX with Chase Fraud And Investigation Services. 

I've been calling XXXX XXXX and leaving voicemails since XXXX of XXXX. I never received a callback. 

Every-timeI call chase for an update ( 17 months later ) the customerservice team tells me the same thing " call XXXX XXXX XXXX XXXX 
I walked into a branch XX/XX/XXXX and they told me I'll receive a call back from XXXX and never did. 

XXXX XXXX does not answer her phone and has been out of the office since XXXX of XXXX. The number to XXXX XXXX is ( XXXX ) XXXX - XXXX Chase told me that XXXX XXXX works at a back office and they don't have access to her. 

I never received anything in the mail with details for my funds availability date. 

I received 1099 's for the income and can't access the money. 

I also had debt that was discharged in a month after receiving my direct deposits ( XXXX of XXXX ) in my second account so there's no reason for my money to be held this long.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Cbna XX/XX/XXXX Account not mine need to be remove off my credit report.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had an account with JP Morgan Chase bank for several years now and I have been involved in identity theft several times with them were someone has been obtaining my bank and card info I already filed a police report once and have record of it Im not quite sure if I have to do it everytime it happens but I have been reporting it to chase bank and today I tried to make a transaction and find out they closed my account without notifiying me and when I called to find out they said they cant tell me bank reserves the right not to inform the reasons. I want to file a complaint because I have not done nothing wrong dont understand why this happened and my money is there and I cant use it until they send me a check. I am a disable person and need my social security income and by the time I get a new bank account and inform the social security it will be too late so now everything will be delayed. I want to clarify this situation and not be delayed on my money
Consumer complaint received 2019-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Im trying to get immediate foreclosure assistance and I also have a large problem with my homeowners insurance that 4 months after filing a claim a theyve now denied my claim, further suggested my claim is fraudulent and have tied up all my accounts. 
They never even sent an adjuster to my house or provided me assistance in filing the claim properly but did take my {$1000.00} deductible for the claim. 

Im XXXX and Ive had some harsh hardships this past year, but suggesting fraud is obscured, to avoid paying a claim and at the time I filed my claim I was not even behind on my mortgage. 

Im now 5 months behind, no current income but only expect this to be short term. But do to the county lowering my property value due to damages and the damages themself, I cant sell the house either I also applied for mortgage assistance with my lender at the time, Wells Fargo, and they sold my loan to some unknown bank XXXX XXXX XXXX 2 months into the modification process and dropped me and within days XXXX XXXX XXXX XXXX denied my application and started sending threatening foreclosure letters and would not look into additional options only denied me because of income to debt ratio. 

Wells Fargo advised me to not make payments during modification application process, so I didnt either. 

Now every company I call for help will not offer me assistance Can you please help me immediately ~ Thank you XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX
Consumer complaint received 2021-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (KS)

I received a letter on XX/XX/21 from XXXX XXXX XXXX XXXX saying that I owe {$1300.00} on my PayPal account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. XXXX XXXX XXXX XXXX is requesting that I make the payment directly to them ( instead of to PayPal ).

I contacted PayPal and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to XXXX XXXX XXXX XXXX, as they believe it is fraud. 

I believe the letter I received from XXXX XXXX XXXX XXXX to be fraud/scam or a case of identity theft and do not plan to contact them.
Consumer complaint received 2019-04-23
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. (NY)

SOMEONE USED MY INFORMATION TO TAKE OUT A CAR LOAN IN MY NAME AND IT APPEARS FRAUDULENT ON MY CREDIT REPORT AND ITS PREVENTING ME FROM RECEIVING CREDIT. I CONTACTED THE COMPANY FOR REMOVAL OF FRAUDULENT ACCOUNT AND THEY REFUSE TO REMOVE THE ACCOUNT EVEN AFTER PROVIDING A FTC IDENTITY THEFT REPORT AND ALL DOCUMENTS NEEDED FOR ACCOUNT TO BE BLOCKED OR REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-08-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FULTON FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, Fulton Bank automatically deducted a payment of {$360.00} from my checking account only for the interest due on my new credit line with them. The details shown on the monthly statement I received shows that they charged interest at a rate of 100 % for three days beginning XX/XX/XXXX. This error doubled the amount due on my loan from what shouldve been approximately {$130.00} based on the original 6.5 % interest rate. 

Their system has continued with this error because the information for my loan shown online still maintains an amount due of {$360.00} for XXXX - payment due on XX/XX/XXXX. 

I called and reported this error on XX/XX/XXXX and was told that a certain department at Fulton Bank would research the error and that the representative I was speaking with would contact me. It is now XXXX and I still have not heard back from Fulton Bank and their deduction of the erroneous amount of {$360.00} was indeed posted to my account on XX/XX/XXXX. 

I called their support line today and spoke with a different representative. He confirmed that this was a major problem that had affected so many of their customers that they hadnt been able to get to my complaint ticket yet. 

I wish to report this to your agency because something as major as this shouldve been fixed by now. At the very least, Fulton Bank shouldve stopped all loan auto-deductions for any loans that this affected. The executives at Fulton Bank must be held accountable for this major mistake, especially when it costs their customers so much money and hasnt had a negative effect on Fultons financials at all.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Throughout XX/XX/XXXX, Loancare/XXXX  contacted me daily to remind me that my forbearance period, under the CARES Act, was ending and that I would need to resume my regular monthly mortgage payments ; the documented end date of which was XX/XX/XXXX ( see attachment 1 ). I resumed paying my mortgage payment as requested via check dated XX/XX/XXXX ( that Loancare/XXXX  processed XX/XX/XXXX ). Upon applying for my partial claim loan afterwards, I was told by their representative ( XX/XX/XXXX ) that I did not have to make the payment that they had been relentlessly requesting daily for the entire month of XX/XX/XXXX. The FHA COVID-19 Partial Claim documents sent to me via Loancare/XXXX  ( dated XX/XX/XXXX XXXX stated that the sum of the partial claim ( {$11000.00} ) would be for monthly payments during the dates of XX/XX/XXXX through XX/XX/XXXX. [ note the partial claim loan is for months beyond the original XX/XX/XXXX forbearance end date ] ( see attachment 2 ). 

So, as noted above, LoancareXXXX requested a partial claim loan beyond the period of my forbearance, after doggedly instructing me to make a mortgage payment immediately after the stated forbearance end date, i.e. XX/XX/XXXX ( which I complied with ). In essence, LoancareXXXX , incited the paying of an unwarranted extra mortgage payment, that they, in turn, used in a way that I did not authorize. They refused to credit this payment as a normal monthly mortgage payment when requested, despite already having funds to cover beyond the entire forbearance period via the partial claim. Furthermore, according to my recent mortgage statements, this XX/XX/XXXX payment was applied in such a vague and nebulous way, that LoancareXXXXXXXX own employees could not identify and explain how the payment was utilized ; for example, when asked about this, I was told by 2 agents that this extra payment was applied entirely to my principle ; something that I did not request or intend it to be used for. Again, upon examining my recent statement ( s ) from XXXX, XXXX, XX/XX/XXXX ; and a requested record of my account history from LoancareXXXX  ( see attachment 3 ) ; these documents give no indication of my mortgage payment of {$770.00} being applied, in its entirety, to the principle. When I called them again ( XX/XX/XXXX ) about this, an agent admitted that the payment was not applied to the principle as initially stated ; showing that even they were having great difficulty understanding their own calculations, statements, etc regarding this payment. With millions of people having gone into forbearance during the pandemic, I cant even imagine how many people this has no doubt happened to ; they should be given fair warning.
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been contacting Fed Loan Servicing for over a year now and have spoken to numerous customer service representatives and supervisors. I have received different information from many representatives for what was needed to be done to receive credit for my PSLF payments. 

This year, I have uploaded a PSLF application on XX/XX/XXXX for the United States XXXX XXXX. I served in the XXXX from XX/XX/XXXX - XX/XX/XXXX and have been told to upload additional documents to receive credit for the payments I made while serving. I have been told to upload a copy of my DD214 ( Honorable discharge paperwork ), my W2 transcripts for each year served, an entire history of payments for each and every month while serving with each amount paid, and other documents to receive credit. I have uploaded all documents and keep being told that I still do not have enough information to receive credit. Once again, I have received different misleading information from many representatives along with supervisors that I have requested to speak with. 

I have been paying student loans under the PSLF program from XXXX. I am supposed to only have a few payments left before I am forgiven for the rest. I have been calling Fed Loan Servicing for over a year now and still no resolution and believe that it will surpass my end date for my loans before this issue is resolved.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, and Equifax are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Consumer complaint received 2020-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have sent several certified letters disputing several collection accounts on my report. 
Equifax has either NOT responded or asked for proof of ID. Other Credit bureaus have deleted the same reports, why is equifax being so stubborn and unreasonable?