davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2018 the Purchase APR on my Chase XXXX XXXX card increased from 13.40 % to 17.49 %. 

I contacted Chase efor explanation. Unfortunately the phone rep was unable to explain and offered to send a letter. 

I have not received the letter.
Consumer complaint received 2020-05-12
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. (NC)

As a result of the COVID-19 pandemic, my mortgage company placed a notation on my credit report that it was in forbearance and the Credit Bureau Equifax lowered my score by 35 points.This goes against the Governments statements that no one would be effected in a negative manner as a result of the pandemic. How may I get my score back to it's previous level?
Consumer complaint received 2020-08-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.
Consumer complaint received 2022-08-05
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. (IL)

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 719XXXX has me at a score around 590. 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 n 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 n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am a XXXX XXXX XXXX XXXX, I run a XXXX XXXX XXXX XXXX. 
In XXXX I deposited {$30000.00} into a Wells Fargo savings account. 
I applied for an unsecured line of credit and was denied by Wells Fargo. 
So I opened a secure line of credit using my savings account at collateral. 
Wells Fargo put a hold on {$29000.00} in my savings account. 
Wells Fargo authorized a secure line of credit for {$27000.00}. 
I made all payments to the line of credit on time. 
I was never late and I never missed a payment. 
On XX/XX/XXXX I paid the outstanding balance on the line of credit down to XXXX. 
Several days later I asked the local Wells Fargo branch loan officer to cancel the line of credit, he advised me that he could not do that. He told me I would have to call Wells Fargo customer service. So I called Wells Fargo customer service and closed the line of credit. 
The Wells Fargo customer service rep told me that the funds would be released once the system updated. 
It has been 19 days since the account was closed and Wells Fargo still has a hold on my {$29000.00}. 
I do not owe Wells Fargo anything. 
Wells Fargo is not claiming that I owe them anything. 
However, Wells Fargo is continuing to hold my money. 
I need access to my money to run my business. 
I have called Wells Fargo numerous times and waited on hold for over an hour on several occasions ... nobody has helped, they always say " it's another department '' or, " there's nothing I can do ''. I have send multiple email requests through the online Wells Fargo message center to have the funds released and I have only received one reply. That reply said, " there is nothing we can do, please call customer service ''. 
I just want my money released.
Consumer complaint received 2020-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (IN)

i was trying to connect my PNC banking account to my XXXX XXXX XXXX, and it would not connect due to changes that PNC have made that hinder the interaction of the two companies.
Consumer complaint received 2020-05-29
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. (CA)

AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK (MI)

tcf bank has taken over Chemical Bank in XXXX, Michigan. Since that time, the local bank in XXXX, Michigan has been destroyed by the 2 XXXX failures. tcf has changed several of their fee and other policies. I have been trying to contact them because the service charges they imposed put my account into a negative balance. I was a member of Chemical Bank for over 30 years. I am now trying to close my account with tcf, but when I try to contact them via phone, they only have one contact number, I have been on hold in a loop for over 45 minutes.  Obviously, this financial institution is too busy for me to do business with them. I would appreciate any help from you to make contact with this establishment. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Mi. XXXX XXXX XXXX
Consumer complaint received 2020-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

I received a letter on XX/XX/XXXX from XXXX ( XXXX XXXX XXXX ) stating that they had purchased a debt of {$300.00} from GE Capital Retail Bank. XXXX  informed me that the credit card from which this debt occurred was created in XX/XX/XXXXand that XXXX   purchased the debt in XX/XX/XXXX. I never opened a credit card with GE Capital nor any of the retail stores they cater to. Furthermore, even if I had unknowingly signed paperwork at a retail store with credit information, I never received said credit card in the mail or ever used it nor was made aware of minimum yearly payments. Finally, this whole situation sounds fraudulent since XXXX made veiled threats to sue me and then offered to let me pay a lower amount than the original {$300.00} they said I owed. 

For reference, the GE Capital Retail Bank Account Number is : XXXX And the XXXX Account Number is : XXXX Thanks very much for your time and help ; XXXX XXXX
Consumer complaint received 2020-08-25
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. (OH)

I'm not familiar with this a account XXXX XXXX # XXXX, please provide method of verification and validation of debt as I did not receive notice to dispute this information. Also, I have sent Certified mail to this company and received no response. As this company is no longer in business as well. 

Please Deleted ASAP.
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I received the attached debt collection letter from Transworld Systems Inc at my tenant 's address. The debt is allegedly for a XXXX XXXX from 2012. I did not have a XXXX XXXX in 2012 and the address has been rented to tenant 's for over 10 years. I am unsure as to how this happened but my concern is fraud and identity theft.
Consumer complaint received 2020-08-25
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. (CT)

I have student loans which have been in default but for the past 3 to 4 years the monies have been coming directly out of my paycheck. And when the CARES Act was initiated, the company I work for suspended payment to the company named XXXX XXXX. I am trying to move into an apartment and I was denied then I looked at my credit score and it had tanked tremendously. I did file a dispute with XXXX   but I was not sure if I should do the same with the other credit bureaus. I was told by XXXX that it would look like non-payments because there were no payments made. So I asked what about the CARES Act and was told that it did not apply to defaulted loans. But when looking at your site I read the following. ( From your site ) If your federal student loan is already in default, The CARES Act requires the Department of Education to stop the collection of defaulted federal student loans, including garnishment of wages and the offset of tax refunds and Social Security benefits, through XX/XX/2020. * There is no additional action required from you for your federally- owned loans. For all other defaulted federal loans, contact your loan holder to find out about your options. 

If you are rehabilitating a defaulted student loan, any missed payments through XX/XX/2020, * due to the coronavirus pandemic will not be considered a missed payment against your rehabilitation. 

Can you help me in this matter. I just want my credit score to be reflected that the payments are being paid or stopped due to COVID 19. 

Thank you for your assistance in this matter.
Consumer complaint received 2020-11-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
Consumer complaint received 2021-02-21
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. (MD)

On XX/XX/2021, I found an fraud inquiry on my Equifax Credit report that I never apply for. The inquiry was from Equifax XXXX. It is a fraud and I never apply for anything. I called Equifax to resolve the issues. They added a fraud alert on my credit report.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a credit card with XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX  / XXXX  is reporting this as a Charge Off in XXXX. I have letters and statements from them stating that it had a XXXX balance as late as XXXX!!! How can it be late or have a Charge Off if it has a XXXX   balance? 

XXXX  and XXXX XXXX  have refused to correct this error. I have disputed it numerous times. But XXXX  and XXXX XXXX  have refused to correct the error. 

I am attaching a letter with a copy of the statement showing a XXXX balance sent by XXXX   / XXXX XXXX  date XXXX. This should serve as proof of the mistake by them.
Consumer complaint received 2020-10-29
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. (CT)

This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. please see attached. this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement.

please see attached letters sent to this company ( XXXX ) and documents as proof of identity update my personal information and remove/ deleted any other profile open on my name that should not. correct all mistake made for this company.
Consumer complaint received 2020-08-25
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: Westlake Services, LLC (NV)

I have a loan with WESTLAKE FINANCIAL SVC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, WESTLAKE FINANCIAL SVC and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (IL)

AFNI sent me a letter dated XX/XX/XXXX, but it was not received until XX/XX/XXXX. I am enrolled in the USPS informed delivery which proves the date it was delivered. 10 days to receive an intrastate letter via USPS to a major city seems doubtful. Rather I suspect the company intentionally delays sending the letter to reduce the amount of time I have to dispute their claim ( which is an obvious mistake in itself ).
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

My home is currently in foreclosure with LoanCare LLC. I called to request a reinstatement amount. I was given a reinstatement amount of {$16000.00}. In my calculation, this amount is incorrect and I previously requested a payment history in writing TWICE but my request was never processed. I was told on the XX/XX/2020 to send the payment via wire transfer. I went to my bank at XXXX CST to send the wire. I called XX/XX/2020 and was informed my wire was not received. I was transferred to Supervisor XXXX Agent #  XXXX. He sounded sleepy or possibly inebriated. He spoke in a very unprofessional tone. He was able to locate my payment but said he did not know when it would be applied. I explained to him a loan servicer can not delay applying a payment. He said he would research. I explained the amount they gave me to reinstate my loan was good through XX/XX/2020. LoanCare has hindered me every step of the way in my attempts to save my home from foreclosure. They have given me misinformation and lied about what options I had to keep my home. This is just another in a long list of tactics employed by this company to try to remove me from my home. I received a letter yesterday stating I agreed to sell my home. I never agreed to that either. Now today you are unable to apply my payment? It is not only fraud but discrimination.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX 2021, I received an auto text alert on my phone that asked me to authorize a XXXX transfer to a persons account that I did not recognize/initiate myself. I responded NO to the text, and immediately received a call on my phone that read as " WELLS FARGO '' on the caller ID ( whom I utilize as my bank ). I answered and spoke with someone who identified themselves as being from the Fraud Department & inquired about the transaction which I perceived as the routine procedure to prevent fraudulent events. I later found out that this person I was speaking to was the scammer themselves & only impersonating someone from my actual Wells Fargo Bank to get my account information/2-step verification details in order to complete the transaction. In doing so, they authorized the transfer and I lost {$4000.00} dollars from my savings account. It has now been over a month of explaining this situation to Wells Fargo yet they continue to refuse to refund my money despite being tricked into doing so at no fault of my own. I did not authorize the payment & have documentation to prove this ( see attached files ). Only when I was deceived into believing I was speaking with representatives from my own bank did I divulge personal account information. This does not constitute personal authorization as they claim on my part, due to the fact that I was fraudulently induced to believe I was working with a trusted source from my own bank. Yet they continue to deny my claim. The scammers fraudulently impersonated both my bank ( Wells Fargo ) & myself by commandeering my account to authorize a transaction I did not consent to. I am asking Wells Fargo to refund the {$4000.00} unlawfully taken from me per my right as a Well Fargo Bank customer & XXXX XXXX protected by Regulation E of the Federal Electronic Funds Transfer Act.
Consumer complaint received 2020-08-25
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: MARINER FINANCE, LLC (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-25
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)

I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, XXXX, and Equifax. They still have not answered my request. The information on my report must come off asap ...
Consumer complaint received 2020-08-25
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.