davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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)

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. In accordance with the Fair Credit Reporting Act section 605b, I am requesting the Credit Reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Below are the items that are reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX  XXXX XXXX  XXXX Balance XXXX {$4500.00}. Also, I am going to request to the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature to prove that the disputed items belong to me. In the event that the Credit Bureaus find not signed agreement, immediate removal of the disputed items will be greatly appreciated.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (CA)

Experian is report inaccurate information that I did not consent of. I gave them over 45 days to investigate. XXXX is also not responding I have given them my 2 forms of ID and Han written the letter so they know it from me and not a agency or company.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016, I bought an electric dryer from Sears. I needed a gas dryer so when they came to deliver it, they said I bought the wrong XXXX and it was returned to sears. I then bought a gas dryer. At the end of the month, I receive a bill for the gas dryer and electric dyer. I called sears and said I never received the electric dryer because I have the gas dryer and they said they would remove the charge. The next month, the electric dryer charge is still on my bill. I called again and they said they would refund the purchase. Basically every week since that month, I have been asking Sears to remove the charge from my account since I never received the product and they promise to fix it and do nothing. Meanwhile, I m being charged interest and late fees on a product that I have never received. This is the only charge on my sears card and I refuse to use my card until this is settled. I have even started recording my conversations with sears as I am planning to take this to court if it is not resolved by the end of the month. It has been XXXX moths since the date of purchase and they have yet to resolve their mistake.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

TO WHOM IT MAY CONCERN ; THIS LETTER IS A FORMAL COMPLAINT THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION. 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF ORIGINALLY SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 


DUE TO THE COVID-19 THE CREDITOR STATES ON THEIR WEBSITE THAT XXXX XXXX IS OFFERING PAYMENT PLANS PUTTING PAYMENTS ON THE BACKEND OF THE TERM LOAN UNTIL THE COVID PERMITS NON ESSENTIAL WORKERS TO RESUME WORKING I HAVE DOCUMENTATION & TO PROVE SO RESPECTFULLY, XXXX XXXX
Consumer complaint received 2015-08-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (FL)

i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OR)

I need help with getting back {$1500.00} that was suppose to be refunded to my XXXX card from Paypal, but has never made it back to my card ... ..I have proof of all this And no body seems to help me track where this money is ... ..this was a dispute letter I sent to XXXX  and was denied , reasons being who knows ... ..PayPal says transaction was successful and I will send in this email proof of this ... ..please help me ... 

I recieved my taxes back for XXXX onto a XXXX XXXX XXXX XXXX Visa card. On XX/XX/XXXX of XXXX, i signed onto my Account through The XXXX XXXX XXXX application, and I sent {$1500.00} from my XXXX Visa card to my cell number. From there, I claimed {$1500.00}, through the link that XXXX sent me in the text message by inputing a verification code on this XXXX  website link sent to my text messages. After inputting verification code, there were 2 choices to pick up the {$1500.00}, either i could deposit it into a personal bank account or into a PayPal account. I chose to send {$1500.00} to paypal account of XXXX XXXX.. From there {$1500.00} sat in his PayPal account until XX/XX/XXXX, where he decided to REFUND me the {$1500.00}. So he pushed refund button on his PayPal account. Next to {$1500.00} dollars. From there I have not seen or know where my money went..It lists the money being refunded to XXXX ... Ive emailed this email several times with no response It states on his PayPal account that refund was issued, but I, nor XXXX, have yet to get a clear answer from paypal of where this money went.several different messages and phone calls have been sent from me and XXXX to PayPal just to receive automated responses from paypal I have transcripts from live chat sessions I was able to save, that I will be including in this letter along with any other proof I haveI just want my XXXX dollars back. it has been stressful and time consuming.PayPal is in my opinion a little shady, and after researching PayPal online, I come to find thousands upon thousands of different complaints from unsatisfied customers please track where my money is. 
I
Consumer complaint received 2016-03-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

Our Family owns an automotive repair shop in XXXX Florida. We have served this community since the XXXX. My father in law had a loan with XXXX Bank. FDIC focreced BB & T to take on XXXX bank and thus our loan was now with BB & T. Everything was fine and BB & T even approved a 2nd Loan to the business with my father in laws guarantee. 
The economy tanked in XXXX XXXX and my father in law fell behind on the payments. 
In XXXX of XXXX my father in law passed away leaving everything in flux. I have a background in mortgages and specialize in loss-mitigation, so The day he passed away I reached out to the BB & T account manager at the time and his response was " yeah no wonder he had a XXXX XXXX after the news we were giveing him '' alluding to the pending forclosire. We have attempted to negotiate the terms of the loan, request to modify the loan, short-sale the property, requested the original loan documents, and even requested a BK attorney reach out to the bank in order to negotiate in good faith. The bank has been silent with the exception of leving our BB & T accounts on XXXX XXXX XXXX XXXX, putting us in a precarious situutation unable to make payroll and our Accounts payable. 
Since then our attorneys received notice of mandatory mediation secheduled for XXXX/XXXX/XXXX issued through the courts ; BB & T I suppse woke up because in the last two weeks they moved for a motion requesting forclosure decison be completed prior to mediation. 
We have worked tireslessly for the last two years to bring the company back from the edge of bankruptcy and the shop is doing well. We have emplyees and their families we are considering not to mention the lovely hood of a family that has depended on this business for 15 years.
Consumer complaint received 2020-08-12
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)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TN)

I received an alert on my XXXX credit report that I had a new collections. I was surprised since I've paid down/off most of my outstanding debt this year. I disputed the charge and it came back verified as my account. I called the agency to figure out the original creditor. I called on XX/XX/XXXX and was told they couldn't find an account and would call be back in 30 mins. I received no call back. I called back on XX/XX/XXXX and was told I had 3 different accounts and those accounts did not match what was reported on my credit report. I asked for a itemized statement since I've never received one from the original provider, apparently the system is down and they said they will send it later. I called Transworld to just pay the XXXX account since I'm in the process of refinancing my house and was told I needed to pay {$560.00} instead of the {$390.00} reported on my credit report. I also asked for a receipt and she told me that the bank statement will serve as my receipt. I told her that was unacceptable and will need something in writing that says this account has been resolved. I almost positive I wont receive one since I haven't received an initial letter that I had an open account with them. I only found out about the account when I got the alert from XXXX. The rep that took my payment over the phone was RUDE and not customer friendly. Here words to me were " We can't tell the computer when to send the updates to the credit agencies '' and " You transaction on your bank statement will serve as your receipt. ''
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

Experian in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Experian that the mortgage was never in default. Experiancustomer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CT)

My account with Discover was locked out then after sending in ID and numerous follow up calls in re as well as attempts to reach a manager, was told account is closed. Since account is closed and access restricted, I do not know details of account activity such as bill payments, ACH payments, deposits, etc .... I request Discover send statement of final account activity as well as a check for remaining funds in account ASAP.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I had a transaction with a merchant that we were not able to resolve, so I filled a dispute with my XXXX XXXX XXXX card in which the charge was originally authorized. XXXX XXXX after receiving all my information determined that the merchant should reimburse me and credited my account and closed the matter for the amount in dispute. A few months later, XXXX XXXX closed my account due to the fact XXXX was moving to Visa. I have a new account now with Visa/Citi bank and the disputed amount is now appearing on my statement as a new charge. I called Citi to let them know that I did not authorize this transaction on my card and that this was a fraudulent charge due to the fact it was not authorized on my account by me. They are refusing to credit the charge because of what they say is carried forward business from XXXX XXXX and that XXXX XXXX is authorizing the charge due to the fact they ca n't get reimbursed by the merchant. These are two separate accounts and XXXX XXXX after resolving the issue has no business being able to authorize a new charge on my card on a matter that was credited and closed by them and trying to get made whole by charging my new account with Citi to get their money. This is 100 % fraud and no one at Citi after hours on the phone is willing to do anything about the fraudulent charges. Please help!!!
Consumer complaint received 2021-04-20
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - CARD SERVICE - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # UPABUPXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2022 I called JC Penney 's XXXXSynchrony Bank Customer Service XXXX XXXX XXXX ) XXXX and I spoke to XXXX ( XXXX ) and I advised him that my payment was going to be late. The payment was due on XX/XX/XXXX but I couldn't pay it until XX/XX/XXXX, XXXX said my cycle starts on XX/XX/XXXX and that I would need to pay {$400.00} if I pay on XX/XX/XXXX and I would still need to make a payment of {$400.00} on XX/XX/XXXX. I told him the amount due is {$190.00} not {$400.00} he became very irate and started yelling at me and begun being condescending. He refused to accept my payment on XX/XX/XXXX and I was getting nothing resolved so I asked to speak to a manager or a supervisor, XXXX kept refusing my request he said they're going to tell you the same thing so he would transfer or put a manager/supervisor on the phone XXXX ( XXXX ) times a asked for a manager/supervisor. On XXXX XXXX I called to make a payment I was transferred to a customer service representative I tried to get my account straightened out once again I got know where. On XX/XX/XXXX I spoke to XXXX she insist I pay {$440.00} not the {$190.00}. On XX/XX/XXXX I spoke to XXXX she request I pay {$310.00}, then it increased to {$440.00} then final request offer was {$690.00}. They tried extorting money from me. They then called the credit bureau everyday with inquiries damaging my credit scores in retaliation against me they also closed my Synchrony Car Care account I never paid late nor have I missed any payments just another attack on me, I only found out my Car Care card was closed when I called in to pay my bill and the automated system advised me of that, Synchrony Bank made false statements to the Credit Bureau 's. I don't know what more to do. That Bank has taken over several companies and I'm afraid they will closed the rest of my other cards in retaliation of this situation. They need to be investigated I quite sure I'm not the only consumer they have violated. They also kept raising my interest rates when they were XXXX percent my rates were over XXXX percent. They are unethical in their business dealings. I have sent letters to Synchrony Bank ( all three ( XXXX ) of the addresses in Florida, Utah. Synchrony Bank calls my phone, leave text messages and voicemails everyday but they will not resolve said issue.
Consumer complaint received 2022-11-15
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-11-15
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: Chime Financial Inc (NC)

Allowing another XXXX XXXX incorrectly to add another telephone # they know is wrong. The wrong # starts with XXXX. XXXX XXXX XXXX
Consumer complaint received 2021-12-14
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: JPMORGAN CHASE & CO. (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have a checking account with Chase. I am having trouble sending an XXXX payment to my son. I keep getting locked out. I have spent four hours on the phone with Chase. I wait for long times to speak to someone and when I do there is a long process to " qualify '' me. Some agents quality me and some don't. Some refuse to let me speak to a supervisor.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OK)

I was the victim of a XXXX XXXX. I saw an ad for a XXXX excavator on craigslist. 
I called the number on the ad. After talking to the man and doing some checking on XXXX I decided it was legitimate. I arranged a loan at XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma. They did a little checking on their own and they decided it was okay. On XXXX the XXXX they wired {$40000.00} to Wells Fargo Bank in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The business name was XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The man said he would deliver the machine the next Friday. Of course I never heard from him again. I have contacted various branches of the law. FBI, The Federal Trade Commission. The Oklahoma XXXX XXXX XXXX. Sheriff departments in Oklahoma and Ohio. I have heard from none of them. The bank in XXXX XXXX returned around {$5700.00} to the XXXX XXXX Bank in XXXX have not divulged the name of the individual who had the account in XXXX XXXX. The XXXX list XXXX registered agents as the agent. I called them and they cant give the name of the owner of the company. I assume this is someone overseas but if not I feel like something needs to be done to deal with this situation.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My mortgage was sold to another company. When I inquire about PMI insurance they are stating that the purchase price was XXXX when in fact the original purchase price was XXXX through my original mortgage company so they are not counting the {$29000.00} I already paid into the mortgage. I feel that I do have 20 % invested into the house and I have never been late on any payments.