davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (AL)

I have submitted multiple disputes and FTC regarding these accounts that do not belong to me and they are still reporting on my credit report. I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have signed up for paperless communication with XXXX. They sent me a mail notification that they required SSA-89 form. Since I missed that physical mail, my checking account was restricted on XX/XX/XXXX and all my credit card accounts with the bank were closed ( including 1 card which I had opened 2 months back where they charged me a XXXX $ annual fee ). 

On XXXX, I went into the branch and submitted the requested documents with a banker. At the same time, I kept calling the bank to lift the restrictions and process the submitted documents. After several calls, I am told that the documents were actually submitted to the concerned team on the XXXX of XXXX, even though I submitted the documents on the XXXX, and that it would take XXXX business days for the team to review those documents. Meanwhile both my wife and I have our salary deposited into that account but we can not access our money or pay our bills. 

I call them again on XX/XX/XXXX and learn that there was a signature page missing in the documents that I submitted and that my account will now be closed because the deadline to get the account re-opened was XXXX XXXX. No one reached out to me telling me that they needed more documents. They instead decided to keep my money and blocked all my transactions. 

This ordeal has caused significant mental harassment for both me and my wife. we have had to call all the places this account was linked for bill pay ( other credit cards, utilities, etc. ) and will have to pay significant fees across all of them. I am yet to receive a resolution and Chase continues to hold my money in an account that I can not access. 

I have been banking with them as my primary checking account since 2017 and my wife is also a joint account holder. No documents were requested from her and she was caught in this for no fault of her own. Please help me get this resolved.
Consumer complaint received 2022-10-25
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. (TX)

On XX/XX/XXXX XXXX certified mailed a packet To dispute items that were fraudulent on my credit report to XXXX XXXX, Equifax, and XXXX all these companies have failed to protect my consumer rights they did not thoroughly investigate, nor did they send any proof they continuously report fraudulent information on my personal credit report according to section 605B of the fair credit report, any consumer that identifies fraudulent information must have that information blocks from appearing on their personal credit report within four business days XXXX  IS REPORTING FRAUDULENT OPEN ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX And all Fraudulent inquiries XXXX is Reporting fraudulent accounts XXXX And open loans
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unlimited Progress Corp (IL)

On XX/XX/2022 I called creditors discount & audit co. to settle a debt from rehabilitation after XXXX XXXX XXXX. I asked how much they would settle out for and they told me XXXX of a XXXX debt.i called back 5 minutes later to ask them if they would take payments on the verbal settlement over the phone and the representative " XXXX XXXX '' said yes so I them made XXXX payment and called the next week to pay off my balance in full and was told my balance was XXXX so after explaining to her that they said I could make payments she then responds to " I misunderstood '' and telling her all of their phone calls are recorded she then said " yes we messed up and your balance is XXXX '' after that I insisted to talk to a supervisor she then transferred me to her supervisor and left a message and a week later after no phone call I called back because obviously her supervisor doesn't care so after saying I just want to get it over with I said I'll pay the XXXX and circled back to the first conversation and reminded her again that she said she messed up and the balance was XXXX so again asked to speak to her supervisor and left a 2nd message and no call back " 2 weeks ''. So after careful consideration I feel that this is an obvious unfair and deceptive practices. I'm trying to pay my debt to improve my credit score and cant even though I'm honoring to the settlement agreement and they are not " reneging ''. I never thought I might have to sue to pay my debt settlement agreement.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

My phone was stolen which was connected to most of my banking information and applications that had my credit and debit card attached to it, unauthorized charges was made on my XXXX  account in XXXX  that I did not make or travel to I filed a dispute to XXXX  and they told me to file a dispute to my bank for a chargeback due to them not being able to refund me as it would mess up the reviews for the hosts on XXXX itself I filed a dispute to my bank and they declined my dispute within XXXX hours without letting me upload proper documentation as I was told that I can upload documentation so they can investigate XXXX  XXXX - XXXX XXXX XXXX {$360.00} XXXX  XX/XX/2022 {$45.00} XXXX  XXXX XXXX {$150.00} XXXX  XX/XX/2022 {$99.00} XXXX  XX/XX/2022 {$31.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$74.00} XXXX  XX/XX/2022 {$130.00} XXXX  XX/XX/2022 {$100.00} XXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2022, I noticed that my checkings account with Wells Fargo was negative by {$890.00}. There were multiple checks deposited into my account and taken out resulting in it being negative. These checks were all for the same amount of {$170.00}. The checks were also all the same digits besides the last number on each one. I called the bank multiple times when this first happened and they said it would take XXXX business days to resolve. On XX/XX/2022, Wells Fargo opened another checkings account in my name and closed the first XXXX. The second account they had made was now {$940.00} negative. It made absolutely no sense and the bank statements did not show why it was negative and they gave me no explanation for where these checks came from. I have called numerous times in the past 20 days and just yesterday Wells Fargo said that they can not do anything else to fix the account. A direct deposit check was deposited into that account by my job accidentally because Wells Fargo will not close my account therefore the money deposited into the negative account and the negative amount of money was taken by my check and they will not give that money back to me. I have not touched this account since the initial date I noticed the fraud which was XX/XX/2022. At this point I am helpless and this bank is not trying to resolve this issue and does not have a reasoning for why this fraud is not being disputed. They do not care for their clients. Before any of this fraud was happening in my account I had money in there that they will also not give me back. They scammed me for my money and continuously keep giving me excuses and it seems to me like they are not worried about my situation. They have not kept me updated and I have had to call almost daily to get useless updates. They will not help me and if I do not apply pressure they will just keep the money they stole from me.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica (IL)

I try to take money out of the ATM and it says please contact your finacial institution. 
When I call the XXXX it says " We are currently experiencing high call volumes, please call again later '' and hangs up on me! 
They promise " 24/7 '' customer support. I am a XXXXXXXX XXXX  service conected XXXX veteran who can not pay his bills. I don't care if you tell me I have to be on hold for a hours just don't hang up on me!
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

On XX/XX/2022, I discovered that a check I wrote to the IRS for {$17000.00} for estimated taxes in XXXX had been stolen, washed, forged and cashed by my bank PNC. I immediately filed a police report with the XXXX XXXX Police Department and a fraud charge and affidavit with PNC bank. To date, I have heard nothing from PNC or the police regarding the status of my claim. The check is clearly forged and anyone who looks at it can tell that it was originally made out to the IRS and someone whited it out and wrote their name to cash it. I have called PNC three times to check on the status of their investigation and have not received any written response. I was able to speak to one person, but got a noncomittal " It's under review. ''
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

I purchased appliances package from XXXX XXXX. XXXX XXXX over charged me for the package. XXXX XXXX placed a charge of {$1900.00} on my Visa on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX I am over charged and need this amount removed from my visa ASAP
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (WA)

I have XXXX separate mortgages with Flagstar Bank. Those XXXX mortgages are for separate properties. I mail in my monthly mortgage payments to Flagstar via United States XX/XX/XXXX priority mail with tracking. The XXXX XXXX XXXX XXXX the date and time of delivery/pick up of my payments. Each month I pay extra principal payments with the regularly scheduled payment amounts which should result in the reduction of interest for each mortgage as of the day my payment is delivered. The effective payment date should be the date payment is delivered per the XXXX XXXX 's tracking and impacts the interest charges. [ CFPB Regulation XXXX states : " General Rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. '' ] I have become aware Flagstar has been recording the effective date of my monthly payments after the date payment was delivered. I reported this problem to Flagstar and Flagstar has corrected some of the incorrect effective payment dates but is refusing to do so for payments I made for both mortgage accounts that were delivered by the XXXX XXXX on XX/XX/2022. Flagstar Agents tell me the effective payment date for these payments is XX/XX/2022 XX/XX/XXXX
Consumer complaint received 2022-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I have applied for PSLF through my servicer, MOHELA, and subsequently received incorrect information concerning the number of qualifying payments. When I contacted them, which took over 2 hours on hold numerous times, I was told they were aware of it and they were mailing out incorrect information to everyone. Later, I received a rejection letter stating that my employer is not a Public Entity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't know how much more public I can get. I have since reapplied, before the XX/XX/31 deadline, but have yet to hear back. Calling no longer does any good. After 2 hours and 16 minutes on hold their system automatically hangs up on you. I've documented this numerous times, with numerous phones, over 2 different wireless networks. They are completely incapable of handling the volume of business they have taken on. Thank you in advance for any help in this matter.
Consumer complaint received 2022-08-03
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)

XXXX XXXX is constantly trying to show they are working in good faith as it relates to our case. XXXX  XXXX continues to show up. RIDICULOUS! 

I am uploading the last communication received which was XX/XX/XXXX. My spouse returned the call from a XXXX Representative named XXXX on XXXX XX/XX/XXXX. Her XXXX is full. 

In the attached documents you will find a schedule of payments XXXX said we made. We NEVER had an initial Loan with XXXX. This was a part of a Ponzi Scheme coordinated by XXXX XXXX closing attorney who staged a fraudulent closing. 

It appears 2 loans were taken out in our name using our info and signature pasted. It was confirmed we did not receive a initial loan in XXXX, Again, how did XXXX XXXX pop up. We financed furniture through them ONLY. We know our information was used to complete applications for a Home Mortgage. I have uploaded the information. 

In addition, we received a scheduled of payments we SUPPOSELY MADE TO XXXX. We never the payments in the referenced attachment. 

This information was created by the submitted Fraudulent 1098 's we submitted to my Attorney XXXX XXXX XXXX who has sold us out OR MY WIFE 'S PREVIOUS XXXX TRUSTEE XXXX XXXX WHO STOLED ALL OF OUR ASSETS..HE DID NOT INVESTIGATE THE FRAUD, It appeared he sent the 1098 's to XXXX and they created the Fraud Ledger. WE NEVER HAD A MORTGAGE WITH XXXX XXXX. WE NEVER HAD A MORTGAGE WITH ANY BANK. OUR MONEY., ID AND MORE WERE STOLEN! 

We know there are four additional persons of interest, We will not list the names for now.
Consumer complaint received 2022-12-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (IL)

I was solicited by my bank over and over for a XXXX loan for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I only qualified per my taxes and letters the representative ( over the phone ) told me to send in based on all income I received. I was reluctant but the reason assured me if I used the loan for the approved reasons it would be forgiven. I took the loan which was about {$5500.00}. I kept calling about XXXX forgiveness paperwork as the window was closing for forgiveness. PNC never sent anything BUT did call me back a few days before the forgiveness period deadline was supposed to end and sent a link and told me to apply online for forgiveness. I accessed the portal to find I had no access to providing information for forgiveness. PNC had already set the site up where applying for forgiveness was not an option. I called the representative back to discuss and find out what happened. He said they made a mistake and I would have to complete the link and pay the loan back. I went into a PNC branch to dispute they were no help. I asked for information of the person over XXXX loans for PNC they would not provide that information. My taxes clearly show my XXXX XXXX on my taxes which is how PNC determined the amount of my loan. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX PNC misrepresented this loan. They did not know what they were doing. They should not have solicited, qualified me and granted me a XXXX  IF I didnt qualify. I would not have taken this loan IF I was going to have to pay it back. To make matters worse, they have been auto debiting my business account for over a year now. This is bad business practices and they should be reported to professional regulations. I did nothing wrong here but I am being punished. This has created an even further financial hardship during these difficult pandemic times. 
There were several different loan reps from PNC when they were constantly emailing and calling me to offer me the XXXX loan. Its obvious this was something new and the representatives were not properly trained or understood the programs and were only operating from the standpoint of the bank benefiting from these governmental programs.
Consumer complaint received 2022-09-30
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. (NE)

see CFPB complaint XXXX The account became past due because of the handling of the termination by XXXX to get to the resolution ( to extend ). I requested that they make sure that there is no negative reflection my credit as a result. Unfortunately, the additional feedback did not resolve the credit reporting, so I filed a dispute through Equifax. 

Upon filing a dispute with XXXX to correct credit reporting they have reported me late for their mishap with handling of my lease termination. I would have never been late, if they had initially accepted to extend my lease and accept payment. As such, I request the late history deleted. My score tracker with my monitoring service is XX/XX/685, XX/XX/686, XX/XX/706, XX/XX/642 XX/XX/657 and XX/XX/629 - since XXXX that's XXXX points down which I'm sure we can attribute to this misreporting that I noted trending downward in XXXX to make the dispute. Also, the car has been turned into the dealer, but they are showing as of XX/XX/30 a balance owing. This makes me really upset that they can not get this right and I'm scheduled to lease from them again all of which this bad service and negative reporting is effective my cost of credit and use of credit.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP (OR)

Got charged interest on a zero percent interest fee. The fee itself was included in the zero percent initial rate. Then after full payment of the charge initial credit request I was charged interest for the fee even though it was wrapped within the 0 %. None of this was communicated to me. Upon followup I notified the bank this was unacceptable they proceeded to hang up on me.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Here is the list of inquires thats on my credit profile with XXXX, XXXX and Equifax these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX  XXXX Inquiry date XXXX XXXX, 2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 2022
Consumer complaint received 2022-12-28
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. (FL)

To Whom It May Concern : This account was settled in court with terms attached. That this account once settled should be dismissed and deleted from my credit report. I sent letters to credit bureaus with no correspondence. I need help with this situation. Proof is below with documents and judgements.
Consumer complaint received 2022-09-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-30
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. (NC)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.