davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (WV)

My data was breached in 2017 from an XXXX data breach and my identity was taken electronically somebody must have file for XXXX XXXX. That I never received or signed for as were my emails hacked into and credit card info all the while my wife was working a job for XXXX as a XXXX for thXXXX XXXX XXXX XXXX  our data is stolen. I never had XXXX XXXX on the dates this company has stated and they will not remove this from my credit file after I disputed these facts.
Consumer complaint received 2021-03-20
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)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-04-25
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Recently, I received copies of my consumer report and noticed many discrepancies with my personal information. I attempted at least twice ( XX/XX/XXXX, XX/XX/XXXX ) to address this matter with each credit reporting agency, but to no avail. My report continues to show incorrect outdated addressees, outdated telephone numbers no longer in use, inaccurate outdated employment history. It is imperative that my personal information be correct and updated to reflect my current address, telephone number and employment.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (MI)

I have been using crypto.com for about a year now. I have a debit card through them and have used and spent thousands of dollars through them. 
When I go on the app my wallet balance is there but all of my coins are gone. There is nothing past when I bought coins in my transaction history. I can not sell or buy anything. I can't even access my own money. I basically can't do anything besides see charts on the app now. 
I have been contacting customer support on the app for weeks now. I never get a response once I tell my issue. I haven't gotten one response from 3 closed conversations. And it did not address the issue at hand. Just basically said thank you for contacting us. 
This issue is causing me allot of emotional distress. I can not access anything and seems if they have robbed or scammed me for my money. I believed whole heartedly they were the most legitimate crypto app out there.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

I am complaining about CareCredit 's failure to present all of the details of my previous case. CareCredit stated that my initial charge was {$2000.00} made on XX/XX/XXXX, but I had this charge reduced because the XXXX  clinic that introduced me to CareCredit and signed me up for this credit did not perform {$2000.00} worth of services. This transaction would have been easily seen on my statements, but those statements from XX/XX/XXXX- XX/XX/XXXX are not visible nor retrievable from my online account at this time. I have requested the statements be made available on my account. The practice of providing credit, then charging up the credit for services not rendered, then to place a deferred interest without anyone explaining deferred interest before and certainly after the cardholder is enrolled is unfair and. 
I contacted Synchrony CareCredit twice on XX/XX/XXXX, and expressed my concern about the fees and how it had impacted my credit. Both representatives advised that they would waive the fees if I was able to pay in full within 30 days, but could not resolve the negative mark on my credit. On XX/XX/XXXX, I made a payment of {$30.00}, and on XX/XX/XXXX I made a payment of {$260.00}. This was well within the 30 day grace period as explained by their representatives, but in their response to my initial complaint they now state there will be no removal of the deferred interest. It would appear that this inability to waive the fees is retaliation for my formal complaint with the Consumer Financial Protection Bureau. 

See Complaint : CFPB Case XXXX
Consumer complaint received 2019-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I filed a complaint with CFPB about this issue already and it was closed. I've been with Wells Fargo almost 10 years now and the last year and several months they have been holding my payments to and from me until I overdraft, adding a payment they never showed on my account until that point. They constantly charge me overdrafts and then act like they're doing me a favor with a " one time convienience '' of returning partial credit of what I paid. They did the exact same XXXX here and still refused to acknowledge what they've been doing. I made 2 purchases at the same store, at the same time, on the same day at XXXX and a legal company and both times the fees were taken out 4 to 7 days apart. They are stealing money from me regularly and it is not a favor to give some of it back. They need to be stopped from the horrid practices of stealing from people they know can't afford attorneys against XXXX XXXX   corporations.
Consumer complaint received 2019-04-11
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. (UT)

XXXX XXXX and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK (IN)

On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule 41 E hearing for failure to prosecute. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, Discover Bank, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule 41 E hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana Bar Association, the  Indiana Attorney Generals Office, and the Consumer Credit Bureau for perjury and violations of the FDCPA.
Consumer complaint received 2019-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

I am a 100 % legal US born citizen living as a 100 % legal resident in the XXXX with my wife and daughter. 11 months ago a check I wrote from my US CHASE bank account to my local XXXX bank bounced. The account balance was much more than enough. Our local bank then showed me a telix image of my check clearly stamped " ACCOUNT CLOSED '' we we're shocked. Neither I nor my US based account manager had even been notified by CHASE Banks as is legally required. The saga is very long and drawn out involving mounds of correspondence and scores of conversations. I'm attaching my latest letter to Chase as a synopsis. The short version is that CHASE Bank has been continuously evading returning my. {$87000.00} account balance well past the point of serious criminality.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Well Fargo Active Cash credit card, the way it calculate and charges interest, is that if you don't pay the last statement balance in full, you will be charged interest on the whole balance not on the unpaid balance. So for example, if my statement balance is XXXX $ and I make a payment of XXXX $ by my due date, I still will be charged interest on the whole XXXX XXXX not the XXXX $ unpaid balance. This is unfair, and mostly disadvantaging underprivileged customers living paycheck to paycheck. 
More importantly, the way interest is calculated is not described in the terms and conditions agreement provided once signing up for the credit card. Therefore, this is an unfair charge which is also not disclosed properly.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (IN)

Hunter and Warfield keeps calling and harassing me about an old debt to my previous landlord. I explained to them several times that I couldnt previously pay the debt because I was out of work due to COVID. I also stated that since Im back working that I wanted to pay what I owed. The landlord is trying to charge extra money for old carpet and I was living there for eight years. The agent started being very disrespectful and had previously hung up on me when I wouldnt agree to pay the amount that they requested. I talked about the interaction with a different person but the rude one keeps calling and being very disrespectful. I have told him several times to stop calling me.
Consumer complaint received 2022-04-15
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)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. 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 us 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Im in debt with Wells Fargo due to a fake check that was sent and Well Fargo was suppose to see if the check was fraud or not and they told me that its ok I deposited the check and something happens I ended up having to pay for it Im in debt because of unauthorized stuff with a Wells Fargo
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Social Finance, Inc. (CA)

I was charged over {$900.00} for multiple fees that I believe were made up by the company as every account I transferred money from had money in them at the time of transfer and I was charged for the same transaction of a {$300.00} transfer which was a mistake by me and/or the application being used. I should not have been charged over {$900.00} in fees! Please help me get my money back. SoFi demanded for me to pay over {$900.00} and it was taken out of accounts that did not have the funds by them! I was told that they took it out when the initial account used for the transfer was empty. Now my XXXX account is negative over {$300.00}.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Cosmo Credit Repair (TX)

I signed up with Cosmo Credit Repair ( XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX ) in XX/XX/2022. They promised to remove negative items from my credit report got the amount paid. They stated that I had to pay upfront for them to begin filing disputes on my

credit report. Over the last three months, Ive seen no deletions from my credit report as they promised. I requested a refund and was told credit repair takes up to six months to see any actual changes. After going to the CFPB website,
I realized that I was NOT supposed to be charged upfront and that it is illegal for these companies to do so. To this day they have taken over {$1000.00} from my bank account! 

After speaking to the representative at CFPB, this complaint is the first step in the process of reporting this company. XXXX XXXX XXXX is now disputing and has put a stop payment on any transactions from this company. Per the representatives instructions, I plan to submit a police report and file a report with the Texas Attorney General and FTC.
Consumer complaint received 2022-08-11
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)

HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX. PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Sps servicing has held my mortgage since XX/XX/XXXX and still does. They paid for the insurance part in escrow until XX/XX/XXXX when they dropped it, still paying for other taxes included. Payment is paid a year in advance so the insurance part of escrow was paid till XX/XX/XXXX, payment was suppose to be made for XX/XX/XXXX but was not, I`m now paying for this. XXXX, the insurance company for the property sent me a bill for it as documents attached confirm. I told them that Sps is suppose to pay for that and XXXX said they agree but Sps refuses to pay it. 

I talked with Sps on many calls in XXXX to XXXX and made over XXXX calls asking them to return the insurance to escrow as all taxes were to be included in the payment as agreed when the property was purchased in XXXX. XXXX said they never saw this before. Attached document from Sps shows they no longer do this coverage for condos. 

I filed also with the XXXX XXXX XXXX and the State Attorney Generals Office in Florida, both forwarded my complaint to Sps and they are awaiting responses from Sps on this issue.
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TN)

During my 4 years in school, I took out loans through Sallie Mae -- Federal Subsidized and Unsubsidized loans, as well as a private " Smart Option Student Loan '' ( 1 each year ) to make up the difference in tuition and living expenses. My father was the co-signer. 

Since I graduated in 2013, the interest rate on my " Smart Option Student Loans '' have increased drastically. When I graduated, they ranged from around 5.5 % up to 8 %. Today, they are 9.875 %, 10.875 %, 9.375 %, and 11.125 %. ELEVEN PERCENT on a STUDENT LOAN!! 

I called Navient to see if I could refinance or lock in a lower interest rate. They told me these rates are federally set and they can't do anything about it. In fact, they told me the best thing to do would be to pay it off! SERIOUSLY?! I have even tried to remove my father as the co-signer and they told me my income was not high enough to remove him from my account. 

I've spoken with my personal banker at XXXX. Because it's a " student loan '', they can not touch it. So I'm stuck paying ridiculously high interest rates, with no hope of refinancing because " student loans '' are federally backed.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, late in the evening ( around XXXX XXXX  ) I needed to get cash from a US Bank ATM. I stopped by the XXXX branch in XXXX WA ( XXXX XXXX XXXX XXXX ). A vandal had smashed the glass on the ATM but it appeared to be operational. I put in my debit card and went through a series of steps to withdraw {$500.00}. At the very end of the steps, the screen said something to the effect that the machine is broken and it cant dispense money and I didnt see any money come out of the ATM. The next day, I saw online that I had withdrawn {$500.00}. I immediately called US Bank fraud department and they started an investigation. I thought this would only take a couple days. I was told they have camera recordings and archived ATM data so surely they would see I didnt take any money from the machine and they would have records of the ATM notifying me that it was broken and could not give me money. In fact, the next day the machine was officially out of order. But then I was shocked to receive the attached letter, stating that no errors occurred with my transaction. Theres no way they could have looked at the camera video and ATM data that I saw on the screen and have come to this conclusion. Last week I spoke with XXXX XXXX, the branch manager and he reopened the case for further investigation. But he said it could take as long as 45 more days and at this point, I dont believe US Bank has acted in good faith which is why I am submitting a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2019-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

Our mortgage payments are handled through our online bank. We normally send Ditech $ XXXX/month, which is above the monthly payment. We have never been late and have never missed a payment since we got the mortgage in XX/XX/XXXX. We sent Ditech 's Escrow department ( XXXX ) a check for {$100.00} in XX/XX/XXXX, to cover the increased escrow cost. Instead they applied the funds to our principal and raised our monthly payment by {$9.00}. This is not the first time they have done this. Secondly, we sent a letter dated XX/XX/XXXX, requesting PMI removal and authorized the appraisal of our home at our expense. We received a letter dated XX/XX/XXXX denying the cancellation of PMI stating that our mortgage is " scheduled to reach 80 % LTV XX/XX/XXXX. '' Before we requested cancellation in XX/XX/XXXX, we checked their policy and there was nothing about " 80 % loan to value. '' We are both retired and feel that if these actions are not unlawful, they are unethical.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (GA)

I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX   but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/2018. I opened American Express credit card. I lost my card after sometime and didnt setup the online account and couldnt do the payment on time. They closed my account and put in collection when I called. I paid the money right away and they said account will be removed but it shows as charge off/collection and negatively effecting my credit. My request is to remove this account from report.