davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (CT)

The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NY)

I received an odd notification from my credit monitoring company stating that EOS CCA reported a collection. I'm upset because EOS CCA is reporting incorrect information on my credit report. Before they falsely reported on my credit report, I never received a letter or a phone call from them. I sent them a debt validation letter last month, but I never received a response. My credit report shows that this account has been open since XX/XX/2016, but I had no collections on my report prior to that date. Also, since reporting in collection, the collection amount has increased. On my credit report, EOS CCA is falsely reporting a collection.
Consumer complaint received 2021-03-30
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: CITIBANK, N.A. (NY)

Hi there, So I have been going back and forth for 2 years now in regards to this issue. This is in regards to the XXXX dollar dispute againstXXXX. When I filed the disute I found out that this paymentI made throughXXXX  went through even thoughI canceled it right away the same day. So I thought my funds weren't taken out of my account since I have canceled it and it says it was canceled on theXXXX. 

I then find out the funds were indeed taken out and so I went ahead and filed a dispute because the merchant wasn't giving the item and my funds were gone. This dispute was not resolved in my favour becauseXXXXsaid they did their job and provided the service by transferring the money. 

My question is if I canceled the payment how on earth did they get my money and send it anyway to the merchant and without my knowledge? .And even so I never got the items from the merchant themselves. 

So i contactedXXXXand they told me that it was a tech error on the application and therefore i dont qualify for a refund which is crazy because I did cancel it and yet they still went behind my back and took out my funds. 

I emailed them as well about this and they said that there was a charge back held from citi bank because I DID CANCEL and the payments were REVERSED FROMXXXXBECAUSE I CANCELED butXXXXstill went ahead and called you guys to get the money. WHICH I HAVE NO IDEA WHY AND HOW. 


I canceled the transaction on XXXX XXXX for this money transfer and it still went though without my knowledge then when I saw in my credit card that I was charged I then reached out to the merchant and told them to please give my money back and if not then send me the items I paid for they never gave me my money and they never gave me my items and kept ignoring me. I took this to my credit card company and they didn't do anything about it I also took this to XXXX XXXX and they didn't do anything about it. It has been hard paying this off and I'm collecting interest and on top of it the pandemic took my job and I Just cant pay this off and I shouldn't be paying this off when I was a victim of fraud. So please I am begging to please help me out here. You guys are my last hope. I went everywhere and no one seemed to help me out.
Consumer complaint received 2019-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

An escrow analysis was done and increased by payment to almost the double amount. When I inquired to determine the reason, my homeowner 's insurance billed amount was incorrect. 
The address for this mortgage company is XXXX XXXX XXXX, XXXX, VA XXXX The homeowner 's insurance billed amount was incorrect. The amount of XXXX has been deducted from my escrow account, paid to XXXX, from my escrow account, paid to XXXX, which had no policy for this property and refunded by same. 
and the insurance amount paid is for my other property at XXXX XXXX XXXX XXXX VA XXXX. Nationstar Mortgage has no insurable interest for the property at XXXX XXXX XXXX XXXX VA XXXX. I worked with XXXX to determine that Nationstar had accessed the business to business website and fraudulently gained the insurance amount for XXXX XXXX XXXX XXXX VA, XXXX, which was a violation of my financial privacy. Additionally, the funds they removed from my escrow account to pay a debt that was not due from me. 
I contacted Nationstar on XX/XX/2019 about this issue. through the messaging portal fro their website. I received a reply on that my inquiry had been forwarded to the insurance department for review on XX/XX/XXXX. On XX/XX/XXXX, I replied that my issue had not been addressed. The subsequent communication on XX/XX/XXXX and XX/XX/XXXX was via my personal email, XXXX. Next, on XX/XX/XXXX, I received an email stating they received my inquiry was to establish an escrow account. I replied again via email and stated my issue was still unaddressed. On XX/XX/XXXX, I received another email response again referencing my to establish an escrow account, which I never made. I replied on the same day again stating this was not my issue and my issue was STILL unaddressed. 
the increased mortgage payment, due on XX/XX/XXXX would not be paid at the current amount. I further advised that as I had not received any resolution I received no further correspondence. On XX/XX/XXXX, I contacted Mr. Cooper via their online messaging portal and advised there had been no resolve and from them, I would be seeking elsewhere. On the XX/XX/XXXX, I received 2 separate response, one to acknowledge receipt and the other to apologize for the poor customer service and that the issue will be forwarded to customer relations. On XX/XX/XXXX, I received a letter by email restating the payment of {$3800.00} to XXXX and the refund. As well, the use of the {$3800.00} as a basis for the escrow analysis. Still, no reference was made as to why they used the amount of the insurance cost for my other property or their basis or right to access this information. My response addressed this specifically in my email response today, XX/XX/XXXX. All of these events occurred in this calendar year, 2019
Consumer complaint received 2022-08-25
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 (IL)

In XX/XX/2022 I called Discover to inform them that I am moving to XXXX and not to accept any charges since I won't be using my card there. I asked Discover not to honor any of the recurring charges and I was informed that my request will be honored. On my end I also closed all the recurring charge account such as XXXX, XXXX and XXXX since I am moving XXXX Just today I found out that the recurring charges went through ( some of them were even manually entered ) and I was charged for the account I no longer had. Discover refused not to only protect my account which I closed while realizing that the company doesn't care about my safety as cardmember but also to dispute the charges. In the 40 min phone call I spoke with three people and at the end the dispute dept woman told me that she can not even find my account whether by the SS # or credit card number just as if the account doesn't exist.
Consumer complaint received 2018-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XXXX/XXXX is attempting to collect on a debt not owed. XXXX is reporting a charge off, which was covered under the insurance I signed up for through their company and made extra payments each month for. When I lost my job, I contacted them and I filled out all the documents they sent me and made sure they received them. I have done my part in making sure I get this debt covered through the insurance I paid for every month, yet they can not due their part and get this debt covered.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I would like to opt out of all XXXX XXXX, XXXX, Equifax pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : 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 2022-10-05
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. (CA)

I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (WA)

I do not have a contract or gave permission to this company. This debt was paid to the original company. This debt was illegally given to these people against my knowledge until it showed up & I was alerted of it being place upon me. 

There are false addresses placed on my XXXX XXXX report that needs to be removed as well. I tried to remove them but they returned back up on my report.
Consumer complaint received 2021-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (SC)

6 months ago I got married. Since then I have tried at least half a dozen times to have my name changed. I submitted all legal documentation requested. I also requested to add my husband so he could handle things while I am away on military orders. Again, I submitted all documentation. I have never heard back. When I requested an update they became nasty. I'm having issues getting it paid due to their unwillingness to update these things and it will affect my credit.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, Equifax and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I noticed a recurring charge on my XXXX 's account every month after purchasing furniture from their store.I believed it to be interest, but realized that the furniture I purchased was supposed to be interest free for 12 and 24 months. I called the XXXX hotline and was told that I had to call the XXXX XXXX XXXX as it was not affiliated with their company. How is a company not affiliated able to charge a recurring fee of {$15.00} since XX/XX/XXXX on MY XXXX account. I did not consent to this. I was not informed of this. On XX/XX/XXXX, I called XXXX XXXX XXXX ( XXXX XXXX ) at XXXX. I was informed they would cancel my account with them, they would stop charging their fee, they would file a request for refund to their " resolution department '', and I would receive a letter within 30 days. Thirty days passed and I did not receive any letter. I called again on XX/XX/XXXX and was told they would send an escalation letter to their " resolution department '' and I would receive another letter within 30 days. I asked to speak to a manager who informed me that their resolution department could only be reached internally and that this department did not have a contact number nor contact address. I am sure thousands of people are currently being scammed by this program and am shocked XXXX would allow this to occur. I am considering filing a lawsuit.
Consumer complaint received 2022-08-22
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX account number # XXXX and XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights 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 2020-11-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

On XX/XX/2020, I received a call from XXXX XXXX at IQ Data International stating that we owed {$6800.00} for the cancellation of our prior lease. Ms. XXXX stated that IQ Data bought the debt from our property owner on XX/XX/2020, and that this was a " final notice ''. Ms. XXXX stated that if we did not pay the balance in full today she would charge interest, conduct an employment check, and report us to the credit agencies. We informed Ms. XXXX that we never received any notification - in writing, via email, or phone - of the amount due. We also informed her that we negotiated with the creditor to enter into a payment plan to repay the debt, and were prepared to pay based on that plan. Ms. XXXX indicated that no payment plan would be offered, and the debt had to be paid in full the same day ( XXXX ) that we were notified it existed.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CA)

this complaint is against XXXX XXXX ceo of apple and his company, apple. 
i purchased with 2 credit cards an iphone at an apple store.the phone is beset with problems, doesn't ring when called and changes typed text messages in both english and XXXX and changes many of the words typed into other unintelligible words and makes the messages either extemely confusing or worse yet they can not be understood by the receiver. 
i took this problem to the apple store where i had purchased the phone from the store manager ... the clerk " helped '' me putting out a minute of time and expertise with instructions that i carried out in front of her.she said both problems were fixed, i said thankyou and left.the situation was unchanged.i decided to return the phone and activate my broken screen, XXXX XXXX phone, that the only thing wrong with it was a broken screen from me dropping it on concrete ... .however it still worked. 
after the XXXX  store to activate and deactivate, i went to the apple store to return the phone.they accepted the phone, erased everything on i, t and gave me the two slips that are attached ... .they said " everythings done '', i said thanks and left ... that was in business hours before XXXX yesterday XXXX XXXX 
today, there is no indication of a credit transaction pending on either credit card for the refund of credit..they have my phone and i have nothing except the slips of paper for a refund of the XXXX made junk product that violates all of california 's implied XXXX law regarding this disheartening transaction.
Consumer complaint received 2018-11-19
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. (OH)

Navient per say is not the problem, they are adequately handling the loan in my opinion. My problem is that Im still in school. Im pursuing a federally funded XXXX/XXXX degree at A public university and after 5 years of deferment I am no longer allowed to defer repayment. This is a large burden because I only make a XXXX student salary of approximately $ XXXX/month and the payment they are asking for is more than {$800.00}. I feel their should be federal protection for students pursuing a federally funded higher degree program to allow them to defer student loan payments until residency even if they are private. I feel in a way I am being punished for pursuing a combined degree simply because it takes 8 years to obtain as opposed to a traditional XXXX only program which takes 4 years. Is there any legislation that protects students like me earning higher degrees from private student loan conditions? Thank you.
Consumer complaint received 2018-03-13
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MA)

On or about XX/XX/XXXX I logged onto Best Buy 's website, and observed my total balance. After observing the total in the amount of XXXX ; I paid my account in full. In XX/XX/XXXX it was brought to my attention that the same account was sixty days delinquent. As soon as this was brought to my attention, I immediately paid the current and incorrect stated balance. Upon finding out how this error negatively affected my credit score, I contacted Best Buy on XX/XX/XXXX in an attempt to determine how to resolve the inaccuracy. Best Buy told me that forty dollars remained, and there was nothing they could do ; they would not accept the fact that they made an error. At this point I pleaded with the Best Buy associate ; asking why would I pay XXXX and not XXXX, and was brushed away with, " there is no difference between XXXX or XXXX XXXX, you'll have to dispute it. '' I then proceeded to XXXX, and filed on dispute. The dispute returned results on XX/XX/XXXX, but stated that the creditor 's information was accurate. I immediately called XXXX, asked a few questions, realized what they do to dispute, and was told my history meant nothing. It does not matter that I had no other negative remarks/data, or a little common sense is all that is needed to show the insanity within ruining someones hard earned credit just because the creditor says so.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

Chase Card was reported on XX/XX/2019. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant.
Consumer complaint received 2018-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (FL)

Complaint Description : transfer XXXX XXXX XXXX to XXXX XXXX from XXXX XXXX I initiate a wire, after a few minutes I called customer service to review how soon it could happen. I was advised to redo the wire so the agent would cancel the wire so my money was going to be back at our bank account within 72 hours. Money had never been refunded and I every time I call a new excuse is given. Last time they said it was refunded to the same checking account. I had sent them my bank statement to prove it had not been sent back. 

Did you sign a contract? : No Amount in Dispute : XXXX Products Involved : remittance Transaction Date : XX/XX/XXXX Original Purchase Price : XXXX Complaint submitted to the Company : Yes Company Contact Name : XXXX Company Contact Phone : XXXX Date Company Contacted : XX/XX/XXXX Response From Company : No Respondent Name : Remitly , Inc . Address : XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX XXXX : XXXX Phone : Account Number : Person ( s ) you dealt with at the company : online ;
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received a phone call from Macy 's saying someone was trying to increase my line of credit using the terminal at a store in XXXX XXXX CA using my social security card. I was told they tried to charge XXXX of merchandise, which I was able to stop. Card cancelled However, I received my Bloomingdales statement and saw over one thousand dollars of merchandise charged at two different locations using my social security number and reported this as identity theft. Bloomingdales requires me to file reports in order to stop me from being charged. The stores my SS was used are not in my area, and I don ; t know how they were able to use without an ID check. My concerns is that they have a fake Drivers license and this makes it easier. 
I have put a report into newly subscribed XXXX XXXX, but these charges were made prior to my getting this protection.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (MO)

I own a checking and savings account with Arvest Bank ; on XX/XX/XXXX, I completed an ACH transfer from my debit card NOT affiliated with Arvest bank to my savings account for XXXX. Arvest took it upon themselves to take another XXXX off my card the same day which I did not authorized and tried consoling with them, they insisted they only took one payment no other receipts to give me and advised me that I also deposited XXXX on XXXX, XXXX which had NOTHING to do with my transaction. My debit card which is with XXXX XXXX advised this is a dispute but call hold times are running out two hours. I am very concerned about fraud taken place at this bank as the bank manager threatened to close my bank down for taking my money from saving and checking 's as I had mentioned this is very uncomfortable to me as a consumer. She threatened for me to calm down or she refused to assist to give me my money from my accounts.