davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
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: AES/PHEAA (MA)

I have submitted multiple complaints ( including documentation ) to XXXX, including one previously through the CFPB, on this one issue. XXXX lists my current student loan at XXXX XXXX XXXX  as having a balance of {$0.00} and saying that it was discharged in bankruptcy. It was not discharged in bankruptcy. I have called XXXX XXXX XXXX who says that they have reported ( and will report again at the end of this month ) that I have a balance which I pay toward each month, am current on payments, and have never been late.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (AL)

On XX/XX/XXXX I was able to transfer {$400.00} from my Netspend Control Card Account to my Netspend WU Card Account. I was able to make the same transaction on XX/XX/XXXX for {$500.00}. Today XX/XX/XXXX I now and currently have been on the phone with Netspend for almost 2 hours. I have spoken with 4 different people. I'm being told that they aren't able to do this type of transaction or the system will not allow for it to be done. When I point out the dates and the amounts of the previous transaction no one can give me a logical explanation. I'm very frustrated because I need access to my funds and being a customer of Netspend for over 5 years or more this is truly concerning. Both cards are Held by XXXX/ Netspend . As a consumer, I feel something is not quite right and need answers.
Consumer complaint received 2018-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

I have been paying late charges on my mortage with Chase Home mortgage. I have paid late fee from XX/XX/XXXX until XX/XX/XXXX. I have contacted Chase several times within the last three years to resolved this matter .My first contact with chase was by telephone 0n XX/XX/XXXX, I spoke to a XXXX XXXX XXXX he waived the late fee due to me making two payments in XX/XX/XXXX. One on the XX/XX/XXXX and XX/XX/XXXX. I thought I had resovled the issue. However, this was not true in XX/XX/XXXX I was trying to make my regular payment inside the local branch and was told I had a late payment and need to resolve the issue. I made the payment. This cause me more confusion. I have been paying late charges every month. This has cused me three years of stress and worries.
Consumer complaint received 2020-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (IN)

I cant add my pnc account to anything. XXXX  my investing app I use and I can't add it to any of my other bank cards like XXXX XXXX, XXXX, XXXX XXXX  account. You waste your time putting all your info in and by the time your at the end it says that pnc won't connect it or something. It's been going on for months now.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX called a family member of mine looking for me. They told her I owed a debt ( {$580.00} ) from an old bank account ( XXXX ) that had been closed in XX/XX/XXXX. They told her they were trying to find me to subpoena me to show up in court and sue me for the money. They also told her if I did not contact them that I would be arrested. I called Wells Fargo first and told them this. They told me I did not owe them any money. Wells Fargo fought XXXX several years ago. I then called the number that called my family member. They told me the same things they told her. I told them I know it is a scam and I will not be paying them.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I believe I have a mixed credit file, one that includes my information as well as my parents past information. For my initial credit card, I was an authorized user under a parents account for one year before applying on my own. Almost 10 years later this is now a serious problem. The credit file information does not show up on my credit report to dispute but is routinely used to confirm my identity. In requesting this years credit reports, each credit bureau asked a question I had to call my parent to confirm the information. A previous question asked to confirm my identity asked about who my parents mortgage was with. I cant find anywhere thats tell me how to fix this issue with my credit file.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

A person supposed work for XXXX call me with my Account number and the amount we owe saying that if I dont make a payment tru XXXX XXXX will get electricity cut it off so I summit the payment and after that I fine out that I was a fraud
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (CA)

I noticed an inquiry on my XXXX  Credit Report conducted by XXXX XXXX XXXX on XX/XX/2019. I have tried to dispute this item with XXXX which they referred me to XXXX XXXX XXXX. 
I have written to XXXX XXXX XXXX requesting a copy of any document they may have allowed them for this inquiry, however they have not responded to my request and after I contacted the phone number they provided to XXXX I was forwarded to Credit Co which they told me they do not have to provide any proof for the inquiry.
Consumer complaint received 2020-08-19
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OK)

I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
Consumer complaint received 2020-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam Im reporting this issue here with a purpose to raise your attention. I once contacted our Customer Service via phone months ago, and was then issued a case number XXXX. I was told I will be reached after 1 or 2 weeks, but I never received your response by phone or by mail. I understand it might be the COVID-10 pandemic that disrupted lots of things. 

In simple words, I converted my Citi ThankYou Preferred credit card ( XXXX ) to a Citi Double Cash credit card ( XXXX ) last XXXX, as I had two TYP credit cards then. I did that via phone with our Citi customer service, and kept asking to ensure I wont lose points before making the decision to do the conversion. My understanding is that the points will be linked to my another ThankYou Preferred credit card after chatting with our staff. However, I lost XXXX points due to that conversion after a couple of months. Months ago, I contacted our Customer Service again with a hope to get my lost points back, and was issued the case XXXX. 

Thanks for your attentions XXXX XXXX
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I just want equifax to straighten out my credit report. Was told I had a mixed file the other day when I called and they always need me to send in some kind of document to verify me and update my information properly and also my phone number keeps changing on that fraud alert.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I scheduled a payment in advance with XXXX Credit card ( Synchrony Bank ) for it to process on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my bank notified me of this payment and rejected it due to non-sufficient funds. XXXX deposited the payment early. I have been making payments to XXXX for a few years and the payments never hit my bank account on the same day within a few hours of submitting a payment to process. There is also a disclaimer on their website that indicates when a payment is made, it takes XXXX for processing. My bank statements also shows that scenario as well. The purpose of this complaint is make everyone aware that XXXX will submit and process a payment in advance and not on the date that you ask them to process the payment and to never set up a post dated check because they process it in advance.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (NC)

On XX/XX/2021, I mailed certified letters out to Navient, XXXX XXXX, XXXX, and XXXX requesting them to remove Dept of Ed/ Navient XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

Thank you for having such an important way to protect people from Banks. I am filing a complaint against who XXXX XXXX, and how they handled my financlal hardship due to a Medical condition. I tried for over 6 months to get their attention to help lower my payments and stop the late fees and lower my interest rate. I have had this card for over 30 some years. It started 2015, I contacted this bank over 20 times to help me with reducing my payments and APR. I have been locked out of my account and sent to collections. I have names, telephone numbers and .. we are talking about XXXX .. This card was used for a divorce, and moneys while divorcing, moving, managing a child with XXXX and fighting my own XXXX  issues ... XXXX Doctors, over XXXX in out of pocket XXXX expenses, XXXX XXXX visits. I have made on time payments for over 30 years and last 7 months I stop making full payments to get their pathetic attention. I was lied to, insulted and treated less than anyone who is trying to pay their debt.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

To Whom it may concern.
I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XX/XX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to Equifax on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XX/XX/XXXX) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXXXXXX XXXX tracking : XXXX, Equifax:XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FISERV INC. (RI)

I am a RI XXXX XXXX. I am writing you because I am having some difficulty with one of my financial services. As many XXXX  I use a credit card reader to accept payment from my XXXX. XXXX  XXXX XXXX XXXX XXXX is my provider. Also Fiserv is the company servicing them and charged me ( see next Paragraph ) On XX/XX/XXXX I contacted them in regard to possibly get out of my contract without penalty. In conversation with my point of contact ( POC ). I stated that my contract obligations are up in XX/XX/2021, and asked if I could get out of my contract early waiving my monthly fees and {$500.00} penalty for cancelling contract. This was just an inquiry. 

The very next day XX/XX/XXXX, my checking account was charged the {$500.00} penalty. I immediately contacted my POC and I stated that my conversation with her was just an inquiry and I would like my account reimbursed the penalty. Long story short, through multiple phone and email conversations my POC stated that the request for refund is still in process. To date my account has not yet been reimbursed and on top all this I am still being charged a monthly service fee. 

Please let me know if you can assist me in this situation. 

This is my POC at Fiserv, the company who handles these services : XXXX XXXX Client Engagement Specialist SMB Client Engagement Team 1 XXXX  XXXX XXXX XXXX, MD XXXX Office : XXXX | XXXX XXXX
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NV)

I personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

An unauthorized user used my daughter 's door dash account, which is attached to my PayPal account, to make unauthorized purchases. I discovered this on XX/XX/XXXX and immediately changed my password and put 2 factor authorization on. The purchases totaled over XXXX dollars. I contacted PayPal, they said they would remove the charges. Next they sent me an email to say one charge would be reimbursed but all the others would not be reimbursed. They reimbursed a charge of XXXX but said they would not reimburse for the others -- the others are exactly the same, so why would they reimburse one charge and not the others when they are all EXACTLY the same?? 

I was out of XXXX XXXX and did not use the XXXX XXXX  account -- and did not realize the fraud until I was back in the US -- and at that point the person who stole the log in information had stolen over XXXX dollars from the account.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (OR)

I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX XXXX  surround this same period of time and was left in terrible condition after XXXX XXXX XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. Thank you
Consumer complaint received 2017-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (SC)

Good Morning, During the process of reviewing my credit report. I noticed the company Financial Data Systems Inc. on my credit reports as collections multiple times. It states the file was opened on XXXX/XXXX/2017 in several different amounts for this noted date. Amount # 1 : {$29.00} Amount # 2 : {$120.00} Amount # 3 : {$26.00} Amount # 4 : {$120.00} & Amount # :5 {$200.00}. I have contacted this company via certified letters asking for validation of these debt amounts because they do not belong to me. I did not receive a response from this company. I have also made attempts to contact this company via telephone & informed the rep that I sent out letters requesting validation & informed him that these debts were not valid. The individual attempted to still collect a debt after I informed him multiple times during the call that the debt did not belong to me & that it was IMPERATIVE they removed these debts from my credit report. I then contacted XXXX & XXXX via certied letters requesting that the debt be validated or deleted. In response I received correspondence stating that the debt was validated but there was no proof of validation as requested. Which in turn I sent a second round of letter to both the credit bureaus & the debt collector to attempt to resolve this matter. Financial Data Systems then sent an update to all credit bureaus on XXXX/XXXX/2017 causing an additional major hit to my credit. Financial Data Systems Inc is not licensed or authorized in the state of South Carolina to collect on any debt. Their license has been considered dissolved which means it is not legal for them to practice debt collection in the state of South Carolina. So I do not understand why this company is attempting to collect on debt especially debt that does not belong to me. I have exhausted all of my options as an attempt to reach a resolve in getting this debt removed off of my credit report with all bureaus.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

I was contacted in a voicemail to call phone number XXXX. They stated they were XXXX XXXX XXXX. I was being sued for a XXXX XXXX debt of {$1000.00}. This debt does not show on my credit report. They called my me, my wife, my son and my job. When I tried to find out more information about this cam they just threatened me.