davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TN)

Daily, I receive so many annoying " Scam '' cell phone calls, I do NOT answer any of them. I only answer numbers that appear with a Name that I know. I check my Voice Mail every 2-3 days. A few months ago, a voice message was left from a " Synchrony Bank '' located in XXXX that my PayPal Master Card minimum monthly payment of {$160.00} is Past Due. So the next time that number called - which begins at XXXX XXXX  every day and goes to midnight, I answered - and after getting past the Robot to whom I REFUSED to give my Social Security Number so it could look up my account - I spoke to a woman. I said, " Where did you get my Name, Address and Phone Number? I do NOT have a PayPal Master Card. My PayPal account was hacked in XXXX and PayPalAlertTeam closed my account - and made sure my bank account was secured so these PayPal scams would end - and they DID at my bank. So, where did You people come from? I have never heard of a Synchrony Bank - sounds like a scam. '' This woman sent me to her manager - and when she said, " Is this Ms XXXX XXXX? '' and I answered MAD : " Yes, IT IS! '' she hung up on me. I continue to get 3-5 robot calls a day. On XX/XX/XXXX, I got such a FAKE Past Due letter, it was ridiculous : cheap paper, NO address, NO email, only a phone number to call to settle the Past Due. I XXXX  Synchrony Bank and their " clever and length '' NON- '' brick & mortar '' bank is laughable.
Consumer complaint received 2022-01-05
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: United PanAm Financial Corp. (TX)

On XXXX the XXXX 2021 a company called United Auto credit ( XXXX ) and another company called XXXX XXXX ( XXXX ) acquired my credit report WITHOUT my permission. I did not apply for any loan from them. I tried to call them but received no help.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (DE)

I PURCHASED A TICKET FOR XXXX/XXXX/2016 XXXX XXXX FLIGHT XXXX TO XXXX XXXX, IT WAS CANCELLED AND XXXX REBOOKED ME ON XXXX FLIGHT XXXX TO XXXX XXXX. I ORIGINALLY BOOKED XXXX TO AVOID BAGGAGE FEES WITH MY XXXX CREDIT CARD. I INCURRED {$50.00} IN FEES WITH XXXX. XXXX INFORMED ME I NEED TO CONTACT MY XXXX CREDIT CARD FOR REIMBURSEMENT. THE FORM CAN NOT BE COMPLETED ONLINE BECAUSE OF THE XXXX TICKET NUMBER. I SUBMITTED A FEEDBACK REQUEST FROM XXXX ON XXXX/XXXX/16 CASE ID XXXX AND HAVE RECEIVED NO FOLLOW UP. WHEN I CALL THEY CONNECT ME UNTIL THEY CANT CONNECT ME ANYMORE OR THE PHONE DISCONNECTS.
Consumer complaint received 2021-06-23
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: CITIBANK, N.A. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-06-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

To whom this may concern, Vance & Huffman are reporting a debt that I do no owe and there reporting XXXX and the letter XXXXthat they sent over to the CFPB shows a different amount of {$550.00} this is not my debt and I need this to be removed from my credit report. They haven't shown any proof that I owe them directly they have not validated that I owe any loans with them. I need for this matter to be investigated and for them to remove this erroneous debt from my credit report.
Consumer complaint received 2021-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

On XX/XX/2021 I submitted my employment certification form to FedLoan Servicing to see how many payments I have left before I am eligible for Public Service Loan Forgiveness. Additionally, there are many months that I didnt not receive a bill from FedLoan where I could have paid but they said those months would not count.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (LA)

After my house burnt down XXXX of XXXX, I was shocked to discover that on XX/XX/XXXX a lien had been placed on my property by Discover Financial Services in the amount of {$4300.00} together with interest and legal costs, thus preventing me from selling the land. I completed a Chapter XXXX Bankruptcy on XX/XX/XXXX. My bankruptcy attorney informed me that Discover Financial Services could not hold a lien to my property since the debt had been discharged. 

I went to the XXXX XXXX Clerk of Court 's office for guidance on how to resolve this matter but received no help whatsoever. No one has been able to produce a copy of the judgment that was supposedly served to me. I have depleted all of my resources and without the judgment I have no way of knowing who/where/how to contact Discover Financial Services so I am turning to you for help in getting Discover to file a Request to Cancel Inscription so the Clerk of Court will cancel the lien on said property. 

I have attached supporting documents for your aid. Any help you can give in this matter will be greatly appreciated.
Consumer complaint received 2021-06-22
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: DISCOVER BANK (NY)

This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-06-18
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. (IL)

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and Equifax showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (UT)

I have asked my mortgage servicer to remove the escrow reserve on my account and re-analyze with no reserve/cushion. They refused initially and have since said they " are researching ''. I have the option to keep a reserve or not. If I choose not to have a reserve, I bear the responsibility of absorbing larger changes in escrow elements from year to year, which I am willing to do. RESPA only allows for up to XXXX months, and my state allows for the same, but neither requires a reserve as part of my escrow account.
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CO)

I opened a bank account at Wells Fargo in XXXX, Co. in 2015 and had my Veterans Administration Pension deposited directly. While my account was active, the bank received a garnishment letter from XXXX XXXX Child Support Enforcement Unit. Due to my deposits being from Veterans Affairs for my pension, the account funds was not garnishable. Wells Fargo charged my account XXXX dollars for processing the garnishment order, like I mentioned, led to non garnishement. I contacted the Regional manager from Wells Fargo Bank by phone at was told that once the account is cleared by the XXXX, that they would credit the XXXX dollar negative balance my account had because of the order. It never happened. I went to the location where I opened my account and talked with a bank rep. but was unable to get the reversal of the XXXX dollar debit which led to my negative balance. My account is was closed by Wells Fargo for not getting the funds after I stopped my direct deposit and has sought other collection procedures to include phone calls to my phone asking when I was going to pay it.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NC)

My mother, XXXX XXXX XXXX had a checking account with JP Morgan Chase. She designated me as the beneficiary of that account after her death. She passed away on XX/XX/2019 in XXXX, XXXX. Chase has refused to accept the official death certificate from the XXXX XXXX XXXX XXXX XXXX stating that I have to receive an " apostille '' certification from the nation of XXXX. The problem is that XXXX does NOT issue " apostille '' certifications as they are not signatories to the XXXX XXXX which created those. I have explained this to Chase Bank and they have basically said, " too bad, we will not honor the beneficiary designation and turn over the account to you without that. '' I have provided them with sufficient proof of my mother 's death and they are illegally holding onto the account funds. I believe this to be an unfair and deceptive business practice on their part.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WI)

I have a Chase card through Amazon Prime that I earn points from purchases. I noticed I had more points that I should have, so I checked my Chase account and there was a purchase for {$1800.00} that I did not recognize. I went back to Amazon and didn't see anything matching that, but it turns out someone had hacked into my PC at work and ordered an XXXX XXXX XXXX XXXX  on XX/XX/XXXX and had it shipped to someone in New Jersey, and then they archived the order so that I didn't see it. Not only do I not use Apple products, I don't know anyone in NJ. I immediately contacted both Amazon and Chase to alert them that I did not place this order. Whoever hacked my computer also went into my XXXX account and had all messages from Amazon forwarded to Trash. I updated all my passwords, but again on XX/XX/XXXX the same thing happened, this time with a {$100.00} XXXX XXXX gift card. Again I called both Chase and Amazon and disputed the fraudulent charge. Chase issued me a new card and the charges were removed from my account and Amazon canceled the purchases. Then in XXXX, the charges were re-billed to my Chase account. When I called them, they told me that since they hadn't received credit from Amazon they considered the charges valid. I called Amazon several times while they investigated and they sent me proof that both orders were canceled, provided me the charge back dates and other information. I provided that information to Chase and they opened another investigation, and again they came back to me that they considered the charges valid. I can not get anywhere with their horrible outsourced customer service, so I was advised by a consumer law attorney to file a complaint. I have since deployed extra security measures including the text verification from Amazon every time I log in, and no further fraud has occurred. I have been making the payments monthly to Chase for my Amazon purchases, but am not paying for the fraudulent charges and it has been hurting my credit rating. It is also not my responsibility to make sure Amazon refunds Chase.
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On or around XX/XX/XXXX /XXXX  XXXX. I used the app XXXX through my JP Morgan Chase account. I was told this app was a safe and secure way to send money. I have used this to send money to my sons in past. When I used it this time, my Son never received the money. I called the bank and to report this. I was told to file a claim. Next, I went to my local branch asking them to investigate where my money went. I was told both on the phone and in-person that an internal transfer had been made and the bank would have to contact the account holder to get it back. I explained MY SON DOES NOT HAVE AN ACCOUNT WITH CHASE SO IT COULD NOT HAVE GONE IN HIS ACCOUNT. Then I received a letter XXXX XXXX saying they would credit my account while conducting an investigation. Then on XX/XX/21, I received a letter saying they finalized their investigation and found no error on their part and they would be taking the {$1000.00} dollar back!!! This makes no sense to me because I DID NOTHING WRONG except trust the fact they would see the name on the account did not match my son 's name. I work hard for my money and I was just trying to help my son. He has XXXX  problems and had been out of work. Losing {$1000.00} is a hardship to me. I'm XXXX and don't have that kind of money to just write off.
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (MI)

My home was foreclosed on XXXX/XXXX/XXXX, today ( XXXX/XXXX/XXXX ) the mortgage company " Everhome Mortgage Co '' reported the forecloser on XXXX/XXXX/XXXX. This info is wrong and I have the sheriff sale paperwork to prove that. They are a horrible mortgage company.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

On or XX/XX/2015, I returned a " required '' ACH consent for a loan repayment, my loan was purchased by BSI Financial from XXXX XXXX. I have NOT chosen to do business with this company, I have filed a complaint once already for this company for not applying payment correctly. 
I am again getting statements that I am delinquent on my XX/XX/XXXX payment, which should have started via ACH for the XX/XX/XXXX 's payment. Their statements are showing an incorrect address for the loan. They are showing my personal residence, I have a mortgage with my credit union. This " SLOPPY '' work is what takes advantage of XXXX!
Consumer complaint received 2016-12-26
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Action Financial Services, LLC (CA)

Not enough information to verify debt, amount of debt, Did not receive no form of paper work or amount of debt via mail when asked. Company was provided all financial upon request and after I was told I would pay {$43.00} a month so I said XXXX, I gave them the XXXX then then they said later they want XXXX a month, I still have not received any paperwork only phone calls daily. the company is Action financial services, llc
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX, I bought the pre-paid card, added {$50.00} onto it at the same time as I bought it, and activated it when I got home. I immediately noticed it had been a bad idea as I read about all the fees. 

I went ahead and decided to close the account and get my remaining balance of {$50.00}. 

They sent me a check in the mail for {$44.00}. The check is dated XX/XX/2021, but I got it XXXX XXXX. 

Today is XX/XX/XXXX and I can't cash the check because it's no longer valid. 

So I called them and the customer service told me that I won't be getting any more checks and unfortunately my balance can not be retrieved.
Consumer complaint received 2021-06-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Upstart Holdings, Inc. (GA)

UPSTART please remove the application and supporting documents from your system as I decided I do not want to get a loan. I ask that the company Upstart to stop using my tax return information to solicit my children, my husband, and my family to apply for loans with UPSTART as we are not interested. 
The company UPSTART did not resolve the issue because they did not answer the issue. This company disregarded a request to cancel my loan application. This company has used personal information from my application supporting documents and issues a loan request to my children who are listed on the application. I do not want a loan with UPSTART I am requesting that they remove my information from their system because of their unsafe handling of individual personal information as they were in a lawsuit for this problem. I want them to stop contacting my children for loans and stop using my canceled application to allow others to solicit me for loans.
Consumer complaint received 2021-06-18
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: WELLS FARGO & COMPANY (NJ)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX  Date of Inquiry : : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NH)

I tried to deposit a cashiers check in the amount of {$500.00} on XX/XX/2022, the person who gifted it to me wrote " Merry XXXX '' in the memo line and per the associate on the Customer Service phone line, can't accept that in the memo line. Chime Bank refused to accept and deposit it. This is discrimination.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (MN)

I been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX  XXXX  XXXX, XX/XX/XXXX.
Consumer complaint received 2021-06-17
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. (MN)

XXXX, Equifax and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. XXXX XXXX and EQUIFAX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (TX)

sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (TX)

sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX