davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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 have been submitting letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifaxs end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below : XXXX XX/XX/XXXX
Consumer complaint received 2021-02-24
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. (VA)

Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the Equifax data breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I have XXXX on my PayPal account, they closed my accoumt with no reason, and told me that I need tk wait 180 days to withdraw funds. Its about 1 year ago they told me that. 
My paypal linked to this adress XXXX XXXX
Consumer complaint received 2020-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

From : XXXX XXXX, REALTOR ( XXXX ) XXXX Attn : Ally Financial - Legal Dept Hello Ally Financial XX/XX/2019 : {$8600.00} > Ally Financial > paid off our > LOAN # : XXXX. We did not consent or not informed except we received a letter telling us balance paid in full. As ofXX/XX/XXXX. 
We actually have no loan. We have received no statements since XX/XX/2019 or contacted in any way. 

We had a " XXXX BALANCE ''. LOAN : In reality we financed {$12000.00} - XXXX Paid {$7200.00} up toXX/XX/XXXX. 
This leaves a balance due {$5100.00}. 
Ally now tells us the payoff is {$9000.00}. 
" Ally Financial '' has three distinct sets of violations unlawful auto loan servicing, illegal debt collection, and violations of Fair Credit Reporting Acts. 
Ally Financial - Loan Servicers are not free to charge unauthorized fees or change loan terms on their own, which is what Ally Financial has done in our case. 
Misrepresented how much we ( XXXX ) owed, assessed higher fees than allowed by contract or state law, changed key payment provisions, and flat-out overcharged us. 
Ally Financial increased XXXX balances through a combination of human error, poor quality control, Philippine errors, and faulty computer programming. 

We have been attempting for over 180 days to call Ally Financial trying to correct their mistakes with no result. 

Please help us with this gross violation with Ally Financial. 
Thank you, XXXX XXXX
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

My account with pay pal was closed for 180 days for no reason on XX/XX/2020 and I have tried multiple times to contact them but nobody offers any help at all they keep giving you the run around and there are never any live chat members and nobody answers the phone or emails. So I was patient and it had been over 180 days and I have still not gotten an email to release my funds. Pay pal is such a bad service and I would like to receive an email immediately because I worked hard for my money. The email link connected to my pay pal is XXXX XXXX
Consumer complaint received 2021-02-24
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

I am writing the complaint as XXXX, XXXX  and XXXX has refused to remove and account that has been clearly cancelled by the debt cancellation XXXX XXXX  received from DISCOVER FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was given a XXXX from discover and submitted in a dispute to XXXX to cancel the debt and have it removed from my credit report per fair credit reporting act. This can not be income and a debt at the same time. I have filed the XXXX on my income tax return which has officially made the previous debt now income. For some reason XXXX keeps reporting it as a charge off instead of honoring the fair credit reporting act and removing the debt from my credit report. I have tried to resolve this several time with no resolution from XXXX What is the point of a debt being cancelled if it is not removed from credit report.
Consumer complaint received 2022-12-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (WA)

My husband and I had a home loan though caliber that under went a loan modification I believe there was a mistake mede and the loan reported as late several times we have tried to work with our creditors and were told there payments would not affect us I have tried to dispose the payment history but have not gotten a experience
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020, my checking account PIN was somehow compromised and an unauthorized ATM withdrawal was made at Chase Bank branch in XXXX, New York in the amount of {$500.00}. The claims department of the bank says that because my PIN was used, to them it is an authorized transaction and refuses to replace my funds. I was never at this said branch on the date mentioned and in no way made this transaction. Have already filed police report on this and now trying for success with this method.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NE)

Transworld Systems I is reporting a fraud collection account on my credit report. I have disputed this fraud account several times with the creditor and the credit bureaus. This is a violation of the Fair Credit Reporting Act. The debt is in the amount of {$430.00} and the address associated with the address is XXXX XXXX XXXX XXXX, TX XXXX. I have never been to this address or been associated with this address. This is a fraud account that was opened in my name for electricity service.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

On my XXXX XXXX XXXX XXXX statement, closing XX/XX/2018, it is reflected that I made a single full payment of {$1800.00} towards my previous balance of {$1800.00} and that current balance is {$0.00}. However, it also reflects that they billed me {$14.00} in interest, supposedly on an amount of {$650.00} subject to interest. 

Upon speaking to a customer representative and a supervisor on XX/XX/2018, I still haven't received a logical explanation of where a balance subject to interest of {$650.00} even came from since it is neither currently or previously reflected as either a balance or purchase. 

I was promised that the charged interest would be voided and that previous interest paid would be refunded to me due to the fact that the original purchase of {$2000.00} was supposed to be a promotional purchase that provided no interest if paid within 12 months. 

However, given that previous verbal and written ( letter dated XX/XX/2018 ) promises to adjust the purchase to the promotional rate had gone unfulfilled, I haven't the confidence in the company to make due on their most recent claim to resolve the issues I am experiencing with them.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMA Alliance, Ltd. (LA)

I've asked FMA Alliance to stop calling my home looking for someone who does not live at this address. They have been calling for almost a year. I've told them several times that this person does not live here and to remove my number from their list. Each time they assure me that my number is being removed but they keep calling and it's a different person each time. They call every hour, every day.
Consumer complaint received 2020-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (ME)

Prior to sending this transfer request I checked and rechecked with Wells Fargo to confirm that I was in fact mailing them all of the required documentation needed to process my request as there are specific forms and documents that are required - they confirmed that I was in fact sending them exactly what they needed in order to process my request which included notarized written instructions from me showing my signature. 

A transfer request was sent by me via next day mail to Wells Fargo with delivery confirmed on XXXX. 

The request was to transfer XXXX from one account and XXXX from another account into one account at a XXXX XXXX  - both accounts at Wells Fargo are in the name of my Mother who passed away on XXXX ; I am the personal representative. The background is I had full access to these accounts to help my Mother manage her finances and I am also a long time Wells Fargo customer having several active accounts with them at this time. 

After about 5 days I called Wells Fargo and they confirmed receipt of the required documentation and also confirmed that the documents had been scanned into their system and ready for processing. They confirmed that it would take about 20 days to process. 

After about 20 days I called and they said it would take a little longer perhaps 30 days from date of receipt to process. 

I waited and called again after about 30 days and they said it would be processed within one week of my phone call. 

I called back after about one week and they said they needed me to fill out form W-9 and mail it back to them and that they would then be able to complete my request ( I was not previuosly informed by Wells Fargo that this form was actually a requirement even after checking and rechecking with them ). 

I confirmed that the requested W-9 form was delivered to Wells Fargo on XXXX at which time I ask them when my requested transactions would take place and the Rep stated it would take another 24 days. Based on the response so far I have no confidence that my requested transactions will be processed after another 24 days of waiting. 

Furthermore, on a personal note this is particularly XXXX  to hold me XXXX by not performing the requested very simple, everyday transactions ; especially after the passing of my Mother and the fact that I have funeral expenses to pay from these particular funds. To add insult to injury, I am the one that recommended to my Mother that she put her life savings into Wells Fargo accounts.
Consumer complaint received 2018-09-26
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: SUNTRUST BANKS, INC. (FL)

I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Consumer complaint received 2020-07-07
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: ALLY FINANCIAL INC. (PA)

Ally Financial failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.
Consumer complaint received 2020-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (HI)

I received an email from Paypal that a login was made into my account by an unrecognizeable device on XX/XX/XXXX. An unauthorized transaction of {$100.00} was also made before my account was closed and I could not file a dispute with Paypal because I was not able to log in. 
The transaction was made to XXXX XXXX XXXX and I have never made a purchase from that company. I also saw other complaints of the same incident happening to others involving this company and Paypal.
Consumer complaint received 2020-05-25
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. (FL)

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 : A person with a fake check went into XXXX and cashed a check drawn on the check. To my understanding he was able to get money in the amount of {$390.00} in a combination of goods and a gift card. The check was presented to Chase bank on XX/XX/2020 for payment. The alert came to my phone by account was overdrawn by XXXX @ XXXX XXXX. 

I didn't expect for XXXX to know it was a fake check, but when the check came to the bank to be paid it should have been immediately flagged. It went through the bank to be process for payment., thus the overdrawn alert. 

The stress and fear that came with this alert was insurmountable : Questions as to whether my other accounts could be targeted and compromised. Its too hard to get answer from the claim/fraud department on hold for over 30-1 hr. Haven't had a follow-up call or email.
Consumer complaint received 2020-05-25
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: LEXISNEXIS (TX)

XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations lexis Nexis didn't remove my public records
Consumer complaint received 2020-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

Navient is my student loan provider. I know that there was legislation passed for student loans providing for at least 90 days of deferment and waiving of late fees. I have two loan providers. one of them auto enrolled me into the deferment, whereas navient has kept the loan active and has been charging me late fees. I have attempted to call them on several occasions and receive a message that the office is closed and am then disconnected. 

Call attempts XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX XX/XX/2020 @ XXXX
Consumer complaint received 2018-09-26
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 checked my credit report and saw fraudulent accounts XXXX opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (FL)

I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

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 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IN)

In late spring XX/XX/XXXX I got behind on my car payments with my PNC acct # XXXX because I had taken FMLA to take care of my terminally ill mother. PNC bank put my car up for repossession. I contacted PNC and spoke with someone named " XXXX '' ( phone number XXXX ) around theXX/XX/XXXX and came to an agreement to catch up on my payments and continue my regular $ XXXX   monthly payment on the XX/XX/XXXX of each month which would be deducted from my checking account automatically. Below is a list of the transactions with amounts/dates of these automatic payments which were made directly from my checking account to PNC bank. 

Details Posting Date Description Amount Type CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID CHECK XX/XX/XXXX CHECK XXXX CHECK_PAID In the past couple of months I began monitoring my credit reports trying to rebuild my credit and noticed that PNC bank was reporting this auto loan as charged off to bad debt, even though I've technically made every payment, but not always on time. I contacted PNC to try to discuss this and they told me they can't speak to credit reports. On XX/XX/XXXX, I traded this vehicle in on a new vehicle and the finance manager told me PNC is falsely reporting my auto loan with them as late payments every month and has my debt written off as bad debt and if I hadn't been able to prove this was not the case, I would not have qualified for a new auto loan. I tried to call PNC again to discuss this while at the dealership and again they told me they don't discuss credit if I had an issue to go directly to the www.ftc.gov website. This car has now been traded in and the account paid in full.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/XXXX Chase closed my account due to fraudulent activity however I was not notified. I drove to my local bank and spoke to a banker about my account but they didn't want to help with my situation or give me information, they told me to call costumer service number and that they can no longer give me any information and stopped their investigation with not resolving anything. With this happening with my new job it has created a finical hardship I have not been paid for almost 3 week and struggling to pay my bills. This is very inconvenient for me and I expect better from chase bank employees and company. It would have HAVE BEEN NICE TO BE NOTIFIED THAT I HAD FRAUDULENT ACTIVITY ON MY ACCOUNT WITH MY PERSON INFORMATION.