davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
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)

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

There was an error with my payment account and now my account has been closed when I've been a good customer. 
I'm very upset about the status of my account and how it's been handle by your company. I explained to the Rep I don't remember making an {$11.00} payment from the wrong checking account and you'll see that a {$50.00} payment was made the day before that cleared. It could have very well been human error, but again this is not good business. Again I've been a good customer for over 2 years and to penalize me for an erroneous {$11.00} payment with no warning is predatory to say the least. 
Lowe 's Credit Services XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Hello, On XX/XX/2020 I made a purchase from XXXX for a shirt and a pair of pants. 
I paid via PayPal. Since the item did not arrive and I could not reach the seller, I made a claim through PayPal on XX/XX/XXXX to get a refund of the {$51.00} I paid. ( Case ID : XXXX ) On XX/XX/XXXX, I finally received the item and PayPal closed my claim. 

The item was not at all as advertised. It was a different fabric and color. I sent a photo to PayPal with this evidence and opened a new case. Case ID : XXXX. 

PayPal opened the claim and reached out to the seller. On XX/XX/XXXX I received a request from PayPal to mail the items back and provide tracking information by XX/XX/XXXX. 

PayPal provided me with XXXX address to mail the items back to in XXXX and through the Resolution Center provided a different address that was in XXXX and XXXX. 

The shipping information on the original package was Alabama. Also, when I check XXXX now and the XXXX website, it no longer exists and the email addresses used by the company keep changing. This appears to be a fraudulent company and I kept saying this to PayPal. 

On XX/XX/XXXX I returned the item. I paid {$41.00} to ship it back to XXXX. I was surprised to receive a message on the same day from PayPal, denying my claim. I attempted to reach out to customer service, but they only have an AI chat function. I am now out {$51.00} for a product I returned and {$41.00} for shipping the item back. 

I would like for PayPal to refund the {$51.00} and the {$41.00} in extra shipping costs they required me to pay to resolve this claim. 

The entire process has been incredibly frustrating with PayPal protecting a fraudulent company for some reason.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MI)

I have a credit card with Amazon, Synchrony Bank. Starting from XXXX, 2020, Synchrony has continualy not posted the amount of payment that I have sent in. The minimum amount is {$28.00}, I have sent in Five payments of {$50.00} and they continue not to indicate this on their statments. Now if my calculations are correct I have paid them {$250.00} towards what I own the bank. You can not talk to any one about this problem because no one at the place that I make the call understands English. I have repeated ask for help in this regard and have not been able to get any. I want to see every payment that I have made on the statment that they send me. As of now they can not do this so I do not know how much I do own them. When I do get a statement one month I will own {$170.00} and the next month {$220.00}. I want, Like I stated to have a statment that shows how much I have payed, the month that I payed it and the balance. Synchrony Back is earther trying to steal or they are totaly incompetent on how to run a banking system. I want to hear from someone from the bank that speaks English and for them to send me a comlet and accurate statement!!. I am being forced to send in another {$50.00} so I will not any late charge, this is so stupid, I want this Bank instructed to fix their statment system! The last stat ment that I received showed only one {$50.00} Payment. I whant tis fixed ASAP. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

An unauthorized party gained access to my online login credentials for chase online. They then started quickpaying themselves money from my checking account. Chase flagged one of the transactions as fraudulent but allowed the others to go through. I called as this was happening and put a hold on my account but not before another transaction went through. I had to go in to a beach to deal with the issue and opened a fraud claim which the bank began to process. However, the bank determined that the transactions were non fraudulent, even though one of the transactions was flagged as such, and are now refusing to refund my money. Unlike other banks, chase has no limits on new quickpay recipients. Anyone who compromises your account is able to transfer unlimited funds from your account with no recourse
Consumer complaint received 2020-12-04
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. (MN)

XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus. 

XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative.
Consumer complaint received 2021-01-24
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. (GA)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX : XXXX/XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (CO)

In 2017 I lived at XXXX XXXX owned by XXXX XXXX some point it got sold to a different owner now XXXX. XXXX place wrongfully charged me an ETF fee when they released me because of faulty electrical not up to code and that it looks like they were not even disclosing ETFs received on their books because I was paying but my payments were getting lost in the mail and they were not sending me legal correspondence or any invoice to show payments applied. I even had to get the postal investigation office involved. I complained to XXXX too. They stopped colle ting at that time. Now out of the blue this guy XXXX keeps calling me and it sounds fake.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

In XX/XX/2020, I opened a savings account with CitiBank. I had steadily been depositing funds as there were no indications of any issues. When I went to withdraw funds in early XXXX, I was told that the account had been " FROZEN '' for suspicion of fraud. After several hours, I was then told that the Fraud dept. had nothing to do with the hold but servicing department could help. Servicing department also had no idea but " new accounts department '' could help. That department requested I first send in additional identity documents so I did, via XXXX. When I later followed up, I was first told documents were never received. Two days later they admitted to having received but just not reviewed but promised to review. Here we are, XX/XX/XXXX ; I was told the account is " closed '' and when I asked what happens to my over $ XXXX, they said they have some documents and account review to do and will try to get to it by Tuesday and " she thinks they would send a check to my address '' after that but she wasn't being told much else either. The Supervising Rep that called me from a XXXX number also said she urged them to find a way to release my funds so that I could access money and they were nonresponsive to her and she felt she should not push further and wasn't being told much. I've contacted corporate offices and am told they can not help me. They've given me phone numbers that aren't being answered or that auto drop calls no matter how many times I've called. This is the absolute worst time to experience not having access to much needed funds that I entrusted them with. As an Executive Platinum CitiCard holder, I've been in good standing with them for over 5-10 years ... just 5 months in and Citi is being absolutely horrible at trust worthiness.
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I had a dispute with a seller about a transaction which I initiated through XXXX and then initiated a chargeback through Chase. This was done on XXXX, XXXX. Fast forward today, XXXX claimed that I won the case and they sent the money to Visa a long time ago ( in XX/XX/XXXX ). I have confirmed with chase that they have never received any money from XXXX or visa either. In addition, Chase claims that they can not speak to Visa on my behalf either. I need to speak with someone at Visa because the funds are now missing and XXXX and Chase does not have them. I tried to speak with Visa before and they told me to speak to Chase, who again, is telling me they can't contact Visa.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NV)

I have oped an account with Chase and deposited my unemployment checks and another check and sum funds to the account. Layer I get a call stating that my account will be closed but couldn't give me a reason not have I gotten back my deposits. Account numbers XXXX. Checks number and amount unemployment {$1200.00}, {$3400.00} number XXXX, and also coin app amount {$13.00}. ( I have photos but my phone won't let me upload for some reason there photos of worker at check cashing with photo copies of Chase check saying " Do not see anything in the system for this cashier check. '' ) Phone number to who she spoke with is XXXX route number XXXX, XXXX.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

Department of Education/Nelnet is reporting 20 different accounts each with XXXX, XXXX & XXXX, with a late payment in XX/XX/2019. All of these accounts were in forbearance until XXXX of XXXX and then consolidated in XX/XX/2019 and paid in full. They were never late, and then paid in full and should show no derogatory indicators. Between the 3 bureaus, they are reporting 60 derogatory indicators. I have disputed with all 3 bureaus. XXXX marked them as included in my ch XXXX bankruptcy that was done in XX/XX/2019 AFTER this loan was paid in Full ( WRONG ). XXXX & XXXX   marked that they were confirmed as reporting correctly & changed nothing ( WRONG ). I have attached documentation from the department of education showing these loans were in forbearance while I was in ch XXXX bankruptcy from XXXX & then were placed in a forbearance & did not enter repayment until XX/XX/2019. They were paid in full through consolidation on XX/XX/2019. This issue is shredding my credit & I need it corrected immediately. The servicer ( Nelnet ) needs to check with the department of education and correct the dates in their records because they are wrong.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I opened a business banking account with Chase online. I gave Chase bank all of the information requested online and Chase opened the account. Weeks later, after I received the debit card for the business checking account Chase restricted the account. As of today Chase is claiming to close the account because of an error on their end. I gave all information requested, spoke to plenty of representatives trying to resolve the issue and Chase is still being difficult and I am confused as to why. The company also has funds going into the business checking account which is another issue. If the account is going to be closed how will I obtain the funds going into the account? This has been extremely difficult and time consuming.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

wells Fargo should forgive this loan due to the Fixed Rate Note and other documents.This is the legal loan note and the address is incorrect. Instead of two units at XXXX - XXXX XXXX Wells Fargo Mortgage Fixed Rate Note financed address XXXX - XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, CA which is 71 properties instead of two. 

Violations both federal and state legal regulation of mortgage. Document not provide consumer as the law required at at the time of the loan. 
Wells Fargo transfer the loan to XXXX  XXXX XXXX. Wells Fargo has not taken care of the matter as of to date.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IL)

In 2013 I had a dispute with XXXX who claimed I had a XXXX $ Electric bill for a home with no appliances or heat running as it was unoccupied, after months I made them remove the meter from the property. They sold this debt that was never theirs to a company called AARGON AGENCY who is unlawfully reporting to my credit report that they are owed {$980.00} I have contested this and they have supplied false documents to reporting agency 's to maintain the credit fraud they are perpetrating.
Consumer complaint received 2022-10-05
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. (NC)

I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the XXXX credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, bank XXXX XXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for XXXX but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called XXXX today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. equifax did not do anything at all for me to remove any accounts i requested.
Consumer complaint received 2022-01-06
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: DISCOVER BANK (MI)

I've been disputing a fraudulent account that has been reporting on my credit report. The company is Discover Credit Card {$3000.00}. A credit repair company provided me with the documents of this account. I immediately contacted XXXX to dispute this account. 

Spoke with the customer service representative and was told to contact Discover. I called Discover Fraud department and was told by them to provide them with documentation showing this account was not a account I opened. I submitted the police report, and affidavit of fraud and forgery that was notarized by my credit bank. I also sent them identity theft victim information sheet that I filed as well. 

This process has been ongoing with them. Discover sent me a letter in XX/XX/XXXX saying that after their investigation the account was opened in XX/XX/XXXX, and they provided an address that is not an address where I have lived. At that point I had my apartment complex provide Discover with a letter stating I have only lived at one address in the complex. And as of today XXXX and Discover are holding me against my rights to an account they have failed to prove I opened. 

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) block of information from Identity theft. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency '' .... but this matter has been going on for years and XXXX nor Discover Credit Card has upheld this law.
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (AZ)

The company Americollect is trying to collect a debt on behalf of XXXX XXXX XXXX. The debt has been paid to XXXX XXXX XXXX. I sent XXXX, XXXX, XXXX the bill and proof of payment. When I dispute the charges on my credit report, within 12 hour they send a message back saying " we have investigated and the results found are accurate ''. Americollect has the incorrect balance and it is paid, Americollct is upset because the bill was paid to XXXX XXXX, and they are not willing to accept that I paid XXXX XXXX XXXX before the collection was placed. Americollect is stating a price of XXXX ( that is their own inflated price ) and the bill is XXXX and the bill payment is complete.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP (IL)

I applied for an Associated Bank Balanced Checking account on XX/XX/2020 and signed up under a {$170.00} promotional offer. The requirements of the promotional offer were to make three payments using Associated Bank Online Bill Pay OR have at least one direct deposit of {$300.00} or more within 45 days of account opening. The promotion terms also stated that the bonus amount would be deposited into the account within 75 days of account opening after meeting the qualifications I successfully made three separately bill payments on XX/XX/2020. It has now been more than 75 days ( which would have been XX/XX/2020 ) and as of today 's date ( XX/XX/2020 ) I still have not received the {$170.00} promotional bonus amount in my checking account. 

I have utilized the online chat function and called the customer service phone number to inquire on the status of this with Associated Bank, and I have been given no concrete answer as to why my bonus has not been deposited into my account and the representatives I speak to keep telling me that they do not have any information for me. 

I find this unacceptable as a customer, considering that I signed up for the checking account under the promotion, I successfully fulfilled the requirements of the promotion, and now the bonus has still not been paid out to me in the time frame that was stated.