davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-29
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: DISCOVER BANK (TX)

On or about XX/XX/2018, I was notified by XXXX Credit Bureau that XXXX XXXX reported over the balance with a decrease in credit by two FICO scores. I logged into the bureau to find by Discover cover over {$150.00}. I called discover no one had the info and I thought it was related to illegal activity on my account. I logged into my Discover account only to find that on XX/XX/2018, Discover did a repost to a dispute for {$220.00}. he company did not notify as advertised or make a called to see if I wanted to challenge the amount or what was going on. Discover then allow a representative on XX/XX/2018 to approved the {$220.00} from the merchant to be legit and failed to look at the required contents of the submission provide my the account holder. I have excellent credit and only at lease pay Discover balance in full mostly every month. To not get notified of this overcharge or dispute is not within ethics, standards nor does it restore confidence and Integrity with Consumers. The agent acted without thoroughly reviewing what Discover had previous requested for the initial dispute. The documents was in view but, this agent just sided with a company who Scam me and may be others. On XX/XX/2018, I spoke to a supervise and she resubmitted the dispute and gave a provisional credit. I had previously report this same merchant to XXXX and XXXX stated they had zero tolerance for merchants like XXXX with scamming customers and it was against their policy. I have used this merchant in the past but, no for this type of services and they had always completed within one day. This last project they lied to get my money then, gave me the run-arounds for a month and tried to credit for my work. I called Discover ( spoke with a different Supervisor ) I told her about the agent on lack of effort of them not reviewing the documents and she stated, " It not a legal requirement to do so! '' I asked then, why would Discover have me to download the Proof when, Your not going to hear what your customer has to say or give them rights! She then turned into a unlicensed attorney, " That is way you need to take legal actions because, it looks like to me all the work is the say! '' I don't know how Discover made her a supervisor. She was not speaking in terms knowledge of Discovers mission statement, value, Integrity, or trying to restore confidence like the first supervisor. ( my understanding from the conversation ) She's telling me, '' we don't care its what every the merchant states. Your complaint is just going to repose again. Your wasting your time. Out of her own mouth- That's why you need to filed this in COURT ... WOW. So, Since Discover did the repose on XX/XX/2018 hurting my credit and this last supervisor advising me to file this in COURT. I feel I have no RIGHTS and Discover will do this again.
Consumer complaint received 2019-09-08
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. (IL)

This company XXXX has re-aged the information contained in my credit file and has violated the FCRA. I stated a credit report dispute and they have instead verified the information that shows recent activity well after the account was closed, i.e. Last Reported XX/XX/XXXX, Shows late payments in XX/XX/XXXX and XX/XX/XXXX when the account was closed in XX/XX/XXXX.
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

As I own an account with Paypal and his email address is XXXX Paypal requested documents proving my activity, which is selling health and beauty products - and I submitted these documents, which are 100 % correct invoices, but I was surprised that they seized my money, which amounted to {$6200.00}. 
Unjustly, they didn't even send me one message to inform me of the reason for withdrawing the money. And that was in XXXX They will claim that I violated the usage agreement, but my documents related to my products are all in order, and I have settled all disputes with buyers amicably. Except in some cases, I was surprised that Paypal closed the dispute on his part and returned the money to the buyer and then comes to take compensation for that even though he did not investigate this It confirms the validity of the buyer 's claim
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (AZ)

I was an employee working for XXXX up until XX/XX/2018. During my time their the company assumed responsibility of my cell phone bill with XXXX XXXX XXXX. It was either have a work phone as well as a personal, or use one cell for both and the company would take ownership of the line. 

Once I left XXXX I was told by their HR department that I would not have to take any action regarding the phone line, that it would automatically cancel once my two weeks was over and I was no longer with the company. This was a relief because when attempting to cancel the line directly through XXXX XXXX XXXX I was told by the phone company that I had no access to make changes to the phone line, including canceling it, because it was not in my name anymore but XXXX. 

So months go by, the phone line has been cancelled and I am with a new provider when I check my credit on my free App and it has a collection in my name for {$200.00} owed to XXXX XXXX XXXX. I was never contacted via phone, mail, or any other way by XXXX XXXX XXXX letting me know what was going on by the debt collector because they simply had incorrect address and phone information. I called XXXX XXXX XXXX to gather information about this money owed, from what months, for what services, and they could not disclose any details with me. This is because it was not considered my phone line, but XXXX, and they could not disclose any information to me. 

I have the right to dispute collections and so I did and disputed it with all three credit bureaus based on these facts. All have removed it from their reports except for Equifax. They seem to refuse to consider that I never owed a debt, and if I did was not given proper notice of a debt owed prior to being sent to collections, or the I had a collection because XXXX  had very old contact information.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my fourth 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 alleged fraud or extortion. 
STATE OF MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-01-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Embassy Loans (FL)

I contacted the EMBASSY LOANS INC to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted Embassy on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX never allow me to get reports online. They ask questions online to verify my identity that have no relation to me. I have tried to get reports mailed to me to dispute but have been in vane.
Consumer complaint received 2020-08-17
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-07-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/2021, I responded to an email from Wells Fargo and informed them that I am ready to leave the COVID Homeowners Forbearance program. I requested the FHA homeowners mortgage refinance option, and was verbally approved for that plan. I was informed that the closing would occur in XXXX. Wells Fargo would prepare the closing documents and a notary public would contact me to arrange for signature and to leave copies. 

As of XX/XX/2021 nothing else has happened. I have spoken with and emailed the home ownership representative several times and have been assured that all is well with the loan. However, She does not know why the closing has not occurred. 

I understand that Wells Fargo is undergoing some leadership changes. The company is also dealing with several legal challenges. I am afraid that my mortgage refinance has gotten lost in the shuffle. Please help.
Consumer complaint received 2020-08-17
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)

MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX -XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ''
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (MN)

I bought 2 XXXX Gift cards ( serviced by U.S. Bancorp ) in XX/XX/2018. But when I tried to use them in XXXX, I found that both of them were registered by someone else online, and the funds were already transferred to its XXXX account, leaving almost nothing on my gift cards although I still have both of them. I called the card service number on the back of the card on XX/XX/XXXX, and the agent gave me a fax number to send them the receipts, front/back of the cards, and my id. I also wrote my name, address, email, and phone number on the fax sheet together with those requested information so that they could contact me if they had any solution. But after 2 weeks of waiting, nothing happened. I called again on XX/XX/XXXX, and the agent told me they never got the fax and confirmed with me the fax number I got was correct. So I faxed again on XX/XX/XXXX. After a week, I called again, and the agent said they still did not receive the fax. I faxed for the 3rd time on XX/XX/XXXX. On XX/XX/XXXX, I called and they still did not receive the fax. The agent said the department which is in charge of this do not have any phone number to call. The only thing I could do is keep faxing and calling and getting to know that they never received the fax. They are not doing the job at all. When asked, the agent also said they could not provide any time frame regarding how and when they would solve the issue.
Consumer complaint received 2018-11-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I opened a court order CD for my minor child, due to his injuries. The account was opened at XXXX XXXX. The court order reads : The blocked account or accounts belong to a minor. The minor was born XX/XX/XXXX. No withdrawals of principal or interest shall be made from this blocked account or accounts without a written order under this case name and number, signed by a judge, and bearing the seal of this court, until the minor attains the age of XXXX years. When the minor attains the age of XXXX years, the depository, WITHOUT further order of this court, is authorized and directed to pay by check or draft directly to the former minor, upon proper demand, all moneys including interest deposited under this order. The money on deposit is not subject to escheat. 
On XX/XX/XXXX, my son now XXXX and 1 day went to now holder of money Chase bank to withdraw his money and was denied, they stated to my son and I we still need a court order to withdrawal the funds. They have in their hands uploaded once again original court documents and are refusing to release funds. We are above frustrated with Chase bank. XX/XX/XXXX
Consumer complaint received 2020-08-17
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2018-11-29
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: SYNCHRONY FINANCIAL (TX)

Made a purchase on the Synchrony Bank with a merchant for some auto parts, after the merchant failed to deliver the parts as promised, I cancelled the order and notified Synchrony Bank to which they placed the item in dispute.

The merchant then sent parts, the wrong parts of course and stated he sent them, told the merchant the order had been cancelled, they were the wrong parts and I purchased the parts directly from the dealer.

Synchrony bank returned the money to the merchant despite the merchant admitting he got the parts back and said he would refund the money that day and he did not and clearly never intended to do so.

Synchrony Bank incorrectly refunded the money to the merchant and is penalizing the me the customer despite the facts that the merchant sent the wrong parts AFTER they were cancelled and got the parts back.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquiries regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also, future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, Oh XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I need XXXX XXXX, XXXX, and XXXX XXXX to OPT OUT my name and information from all their products and remove the inaccurate information. I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute.
Consumer complaint received 2018-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CO)

I financed an auto with Wells Fargo Dealer Services XX/XX/2018 The amount financed was XXXX. ( first payment due XX/XX/2018 ) I made four payments on this loan ( XXXX- XXXX payment, XXXX- XXXX payment - XX/XX/2018-XXXX  payment & XX/XX/2018 -XXXX payment. ( loan showed paid until XXXX XXXX as of this payment XXXX ) The vehicle was totaled by insurance with an accident date of XX/XX/2018 ( insurance deemed total loss in XXXX XXXX Insurance sent a payoff check for {$10000.00} ( their screen reflects XXXX Insurance settlement but check was indeed made out for XXXX ). I was advised on XXXX by one of their customer service agents I would be mailed a XXXX over payment check. On XXXX XXXX I received a check for XXXX. I called Wells Fargo and was told that was all they owed me and did not give a good explanation as to why they are keeping the over payment that was paid to them above the amount financed. If you add the insurance payoff check and the XXXX in payments I made- the total paid to Wells Fargo dealer services was XXXX - amount financed XXXX = XXXX - XXXX check mailed to me = XXXX is left owed to me as far as my calculations show. I would like to know why they can keep this overpayment. In the ledger of my online account it even shows " payoff with overage XXXX '' unapplied adjustment -XXXX. They also show a Late charge adjustment which I am not sure why as There was never a late payment made on the account only future payments made.