davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

Synchrony BankXXXX XXXX XXXX is charging interest {$880.00} on a promotional balance owing of {$300.00}. 
Original balance was {$4200.00} 12 payments were made but by my mistake I was short {$300.00} at the end of the promotion.

Synchrony Bank XXXX  customer service is unable and or unwilling to explain and show the calculation of interest charged, I am unable to them explain after expending hours on the phone with them.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I opened my account then a deposited a few checks. 

The bank claims they weren't able to verify the checks. So they closed the account after a few months I finally managed to contact them. And they told me I have to go in to a branch with the person that gave me the checks. I went in and they confirmed everything. But then I only got 1 checks from the bank with half the amount I was supposed to get .... after a few weeks Waiting I called the bank again then they told me I have to go in again and verify again .... which doesn't make sense.. but unfortunately now due to the circumstances I can't go in to the bank. So the bank has to either send me my money or send it back to the original person that gave me the check. They have no right on holding my money for so long.
Consumer complaint received 2021-12-17
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. (SC)

There is a XXXX XXXX  debt with account # XXXX & XXXX on my equifax and XXXX credit report along with XXXX XXXX XXXXXXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (OR)

I wanted to know what interest rate might be to get a credit card for my mother to use for some upcoming dental work. I filled out an online application, just to see, got the interest rate information, and decided NOT to apply. I believe I did cancel the application, but the card came in the mail anyway. 
When I could n't get past all the barriers on their website, I phoned the company to CANCEL the card. The representative told me that my mother had to speak to him herself, or that I needed to send my POA documentation to them, in order to close/cancel the account. 
My mother, who has XXXX and lives in an XXXX, was NOT involved in any part of this process. 
Additionally concerning is the fact that she was turned down by another company because she has no credit history for the past 20 years or more. This company appears to have made no inquiries at all as to her creditworthiness.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (CA)

My checking account with Eastwest bank was closed this XXXX, due to reason of inactivity, according to the bank. It's a questionable action from the bank in the first place, since this account has regular activity. 
After that I received a email from the bank asking me to provide ways of receiving remaining funds in the closed account. I replied the email, asking them to send a check to my mailing address. Since then I have contacted the bank several times, and still hav n't received the funds yet.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

I am experiencing an issue with Loan Servicing Company Seterus as they changed incorrectly WITHOUT MY AUTHORIZATION and knowledge my Principal and Interest mortgage payment of {$2300.00}. 

Additionally Seterus Inc. payed the last 3 months of my Home Insurance by sending a check for {$530.00} to XXXX. As stated in my previous complaints as well as my loan documents ALL INSURANCE AND TAXES are paid separate and that no escrow account should be opened. Once again Seterus has disregarded the loan agreement and paid the remaining balance of my home insurance. As you will see in the attached statement from XXXX I have paid on a monthly basis all applicable insurance bills ON TIME. XXXX has agreed to send the check back to Seterus Inc . This issue has caused unnecessary hardship and time. I will ask once again that Seterus close my escrow account that should never nave been opened and send back a refund check at the close of 2016.
Consumer complaint received 2021-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (PA)

I've filed multiple disputes with my credit card company ( XXXX and Goldman Sachs ) about an item I did not receive that was purchased online from XXXX on XX/XX/2021 in the amount of {$90.00}. I've provided them with all supporting documents ( email from UPS showing tracking number that was provided was not to me, and any communication to try and talk to the seller on XXXX, went unresolved because they never answered, and also because they are no longer a registered seller. I have proved that I did not receive the item, and they have gone ahead and charged me for the item anyway. I've been contacting them since the transaction in XXXX, and have opened multiple disputes, and have been unsuccessful in having a credit applied.
Consumer complaint received 2020-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

This is NOT a duplicate complaint. 
I called your office ( CFPB ) and was told this may be most effective. 
I am submitting this new complaint because I fully disagree with Capital One 's response ( I also attached ) to my other complaint.
Consumer complaint received 2021-11-11
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. (NH)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

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

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

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

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

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-07
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. (GA)

XXXX XXXX THERE IS A CHARGE OF {$1800.00} BY XXXX XXXX XXXX XXXX XXXX. 
I SAW THIS ON MY CREDIT REPORT IN COLLECTION. FOR XXXX BANK. 
ICALLED XXXX BANK THEY HAVE NO KNOWLEDGE OF THIS ACCOUNT, NOR OF THIS XXXX XXXX XXXX XXXX XXXX. I HAVE PROTESTED THIS XXXX TIMES TRYING TO GET THIS OFF MY CREDIT REPORT AND THEY STILL HAVE THIS ON ME. THEY SAY IT IS MY ACCOUNT.BUT THEY SEND ME NO PAPER WORK OR PROOF OF THIS ACCOUNT.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

XXXX XXXX XXXX On XXXX XXXX  I have seen that my account was fraudulently compromised. I had XXXX  in my account on that date. At a later time I have seen that all my money was stolen out of my account. I contacted my bank Chime to let them know I did not cause this. They assured they will see about this issue. When I put in a dispute and two days later they made a decision to deny my claim to refund me my money. They say that is not an error and that the charges was sufficient. I told them that the location of the charges was two hours away from where I live. I never went that far because I just moved from XXXX XXXX to XXXX XXXX. I made phone calls on numerous days and even spoke to management and no one wanted to help. I even turned in a police report and identify theft report and they still denied my claim to refund me my money that was taken from me. This is so horrible because FDIC is to protect me when my money was stolen and the bank is refusing. How can they investigate this in two days. They dont care and it has caused me a lot of financial burdens because that was my way to pay my bills and feed my children. They brushed me off when I stated this. I tried to resolving this but they wont help. I had to wait to get my identification updated because in XXXX  XXXX  you have to schedule an appointment. So they would not let file a report for a dispute until I showed my new identification. This is so unprofessional because i was not able to file the dispute until XX/XX/XXXX which is when I got my new identification.
Consumer complaint received 2021-10-25
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. (MS)

on XX/XX/2021, I sent letters to Equifax and XXXX about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (CA)

The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX  of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. 

However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX  ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive *in writing* throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. 

I need help from the FTC or CFPB so that my state tax authority ( XXXX  ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (GA)

In early XXXX I was checking into rates for debt consolidation loans, I filed out some information but didn't accept any of the loans because I didn't have the paper work needed at the time and my bank wasn't on the list of banks pulled up for deposit. I didn't think any more about it until {$600.00} was deposited to my account on XX/XX/XXXX. I emailed the company on the XXXX with questions and they replied that they needed more information so I sent them the information they requested. I got no reply so I emailed again on the XXXX trying to find out if they could take the money back and after waiting several days I found a phone number and called on the XXXX, the person I talked to said they couldn't help me and connected me to someone at national small loan and the lady I talked to there said she would talk to her manager and to stay by the phone because they would call back I have yet to hear from them, and the money is still in my account. I am trying to build my credit up and I don't need this looming over me, I can't afford the payments they have set and I just want them to take the money back and cancel the account.
Consumer complaint received 2021-10-25
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NC)

Fedloan Servicing does not keep up to date accurate records for accounts serviced. I sent Fedloan a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.
Consumer complaint received 2020-04-24
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-25
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. (NY)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I am being reviewed for a short sale since XX/XX/XXXX an entire YEAR! with the same buyer. I have submitted all documents requested by the lender. I have an assigned representative XXXX XXXX p # XXXX ext XXXX and I believe the processors name is XXXX XXXX XXXX I have been emailing with and has now stopped answering my emails in regards to the postponement of the sheriff sale date scheduled for XX/XX/XXXX. I have called the assigned representative XXXX XXXX and have left several messages for an update and he NEVER called me back. After being transferred around for 40 mins I finally spoke to a representative today XXXX ID # XXXX who informed me that the sale date will not be postponed because it was postponed 4 times in the past and the postponement department says it does not meet the criteria. I have a valid offer on the property, I submitted documents on time when requested and they are refusing to review it because they dont want to postpone the sale date again. The have mismanaged my file and that is not a valid reason to remove my file from a current review for a short sale because they just want to wait. They have wasted the buyers time and everyone involved.
Consumer complaint received 2021-10-25
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, XXXX XXXX, ( a natural person ) I do not owe such debt and this is a clear violation of my rights under Title 15 U.S.C 1692 ( e ). Thru U.S. Postal Service Via certified mail on XX/XX/2021 I sent them a letter to Cease and Desist their fradulent activites and they still failed to do so and still continued to use this false information against me. I also requested that I be provided with validation from XXXX XXXX and XXXX XXXX  of these alleged debt and it was not provided. I left over 7 messages for a manager with the company and received no responses. They continues to willfully keep the false debt listed on my credit report. They are unable to validate the debt and still did not remove it. This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the loss of income, troubles, and mental stress this company is causing me by being complicit in violating my federal rights.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I was refused service at the XXXX XXXX  XXXX, XXXX, TX XXXX PNC Branch by the branch manager XXXX XXXX. XXXX refused me service, telling me, " we will not serve you here ; you will have to go to a different branch. '' This is all after I came to this branch multiple times spending hours at the branch trying to get my money with multiple different tellers and with XXXX herself. 

Furthermore, the tellers refused to get any amount of money from any of my checking accounts. 

I did what XXXX said, left the XXXX XXXX  XXXX branch, drove to the XXXX XXXX XXXX, XXXX, TX XXXX branch location and was able to get all of my money out in less than 30 minutes from the teller.
Consumer complaint received 2021-10-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DE)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. ()

Hi My Name is XXXX XXXX, I have premier account with Equifax Credit Reporting Agency, where I can login any time and get my credit score and check my report, I do this every month to check for any changes to my score. 
Back on XX/XX/2021. I logged it to my account and my credit score was as usual Excellent XXXX points. It goes up or down a point or two every couple of weeks. This was confirmed by Equifax order transaction number is XXXX. 
In XX/XX/2021 I tried to print the report I generated in XX/XX/XXXX, to show it to a land lord who I was trying to rent his house.

When I tried to login to my account, Equifax system asked me to switch to a new platform they developed, I tried to avoid this by logging into my old platform, but the system wouldnt let me in. 
After several tries, I logged in to their new platform, in there it shows that my credit score has dropped XXXX point to Good XXXX points. And it did not show any events in my report that may have caused this drop. 
I called Equifax and they told me that they switched a new system and changed the way they do the calculations of the scores and that I do not have access to my old reports anymore, and they did not give me any reason why my score dropped XXXX points over night. 
Now the new platform only shows my credit history from XX/XX/2021 only with no access to any old reports generated in my account. 
I filed an Online Dispute submission. Ticket # XXXX to Equifax, and they answered me back with general information with no specific details to my compliant or gave me any explanation why my score changed too. 
I need a full detailed clarifications to why my score dropped from excellent XXXX points in XXXX XXXX to Good XXXX Points in XX/XX/2021. 
I need to have access to all my old reports history. 
Thank You