davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Skrill USA, Inc. (TX)

Received an email dated XX/XX/2022 at XXXX AM letting me know that my request for a Skrill account had been approved. A couple of emails later there was a confirmation that card XXXX has been added. The final email stated I needed to send in a copy of my identification to finish the process. The email address used to open the account was XXXX. 

I did not open this account. I attempted to contact them at the phone number provided XXXX and it continues to loop through a process of entering a pin and pressing 1 for English. You can not get to a live person. There's no email address to contact. The address given for the company in the email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX. 

I have had several accounts opened in my name and I have consumer fraud alerts on my credit report. Just recently a XXXX XXXX XXXX account was also opened in my name that I have had closed. I need to make sure this account is closed and removed from my record, if necessary. 

Thank you for your help. 

XXXX XXXX XXXX
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

today XX/XX/2018 I received an email from XXXX XXXX that my lowes credit card had been closed. I pay on time every month was confused to why they would close my account. so I called customer service and got a man who just kept repeating the same line over again saying I will get a letter in the mail. after I ask to speak to a supervisor he then ask if he had permission to read me this letter that was sent to me, letter said they ran my credit, for this reason or that they closed my account. listed several reason what it could be. no specific reason. I have paid on time NEVER missed a payment. this is not the first time they have hurt my credit drastically, they lowered my XXXX XXXX account after paying some balance off. which also hurt my credit and gave them the ammunition to close my lowes card. I feel they have bad business habits which single handedly ruin people 's credit. this is not right and I will be calling a lawyer and filling a class action suit.
Consumer complaint received 2020-06-15
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. (FL)

i have sent several letters over several months that all 3 credit bureaus have been reporting incorrect information. in addition, i have asked them all for supporting documentation that asks how these accounts were verified and whom they spoke with. i also have asked them to show supporting documentation that proves that i have a binding agreement with these account holders and they have failed to do so. i believe that they do not want to delete these accounts because they will lose money.
Consumer complaint received 2018-09-04
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 (NC)

I have had a hard time logging into and receiving customer service from my credit card company. Several months ago, I tried using the online chat to discuss my issue with their representative. Every time I would ask my question about a late fee, my chat would be discontinued. It was so frustrating. 

After the third time, I finally submitted a request to cancel my card, explained why I was having a problem and then requested someone - anyone- to PLEASE contact me because I couldn't get through to a human being. 

I got a notice a month later that there was a late fee of {$20.00} applied to the account. 

Fine, I tried to go online to pay the account - but I don't have my credit card anymore so I can't put in the number to access the account. 

I tried to call, when I put in my social security number and zip code, they can't find my account! 

They connected me to an actual human being and she couldn't hear me. As soon as she got on the line she just kept saying " Hello? Hello? Hello? '' I have small children at home. This is ludicrous - how can a business operate this way? 

Today, I got ANOTHER notice from the card company and they've applied another {$20.00} fee. 

I tried once agin to use the chat tonight to talk to the account representatives - SAME THING HAPPENED where they connect, tell me they are reviewing my question and then disconnect without helping me at all! 

So {$40.00} in fee for a card I've canceled, can't use and can't contact the credit card company about! 

This is such a horrible scam I am ashamed and outraged I fell for this credit card company at all.
Consumer complaint received 2022-10-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Affirm Holdings, Inc (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2022 Affirm account number : XXXX Loan ID : XXXX To Whom It May Concern : On XX/XX/2022, I was approved by Affirm.com for an online purchase for a XXXX  Controller Case from The XXXX XXXX Before I purchased this Case, I called Customer Service and asked about the case, asking will the case fit my Controller without any problems. I was told the case will be a perfect fit. I went ahead and purchased the case. A Few days later the case arrived. Once I opened the box, I immediately noticed the case was huge and heavy, and it did not fit my controller as stated by customer service. 
I immediately called customer service and advised them the case was too big and it was very heavy. I asked for a return slip, and I was told the case was a Clearance sale, with no returns. When I placed the order, I did not notice any clearance sale. At this time I immediately called Affirm.com, advising them I am canceling the order and sending the case back to The XXXX  Hookup costing me {$56.00} and returning the case on XX/XX/2022. 
After calling Affirm several times to resolve this matter, they continue to bill me for payments and ruin my credit for {$360.00}. Last month I applied for a {$5000.00} business loan, I was declined and told I have a past due account since XX/XX/2022 with Affirm.com. I need your help to litigate this matter, asking for damages to my credit reputation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2020, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY XXXX XXXX.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I issued a wire transfer in the amount of {$50000.00} from my XXXX  XXXX XXXX account to my supplier 's account at Wells Fargo bank. The same day XXXX issued a reversal order because I realized I had issued the transfer to the wrong account. 

My supplier was only notified of the reversal 17 days later. They agreed to the reversal immediately and now, 45 days later the reversal has still not taken place. And there has been zero written communication from either bank. 
We have filed a complaint against XXXX XXXX XXXX and now we are filing one against Wells Fargo
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.
Consumer complaint received 2018-09-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

XX/XX/2018 I was to purchase 2 concert tickets via PayPal transfer. I transferred {$49.00} to the seller and never received my tickets. I notified PayPal of this issue they advised me to bbn notify my bank. I notified my bank and was advised to file a dispute claim. I need assistance.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (SD)

I contacted Chase because they put thru a {$31.00} charge after I had paid for a stop payment. I was informed that I had to place a stop on ACH transactions as well. I was informed of this on XX/XX/XXXX and not prior to this date when i placed the stop payment in XXXX. It sbould be mentioned that the merchant obtained my bank account information without mybpermisdion. I expressed this concern to Chase. I also mentioned the merchant charged my Chase account and the new card I placed on file with the merchant, XX/XX/XXXX transaction on screenshot attached. I was asked to fax or mail my proof of the duplicate transactions. I was provided case number XXXX, fax number XXXX and and address : XXXX XXXX XXXX XXXX XXXX, TX XXXX. I went to my local library and faxed the required documents. I faxed again on XX/XX/XXXX and XX/XX/XXXXafter receiving emails stating more information was needed on my claim. Today XX/XX/XXXX I receive an alert that my account was overdrawn. When I checked Chase has reversed the provisional credit.
Consumer complaint received 2018-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Olympic Collection Inc. (OK)

Earlier this year in XXXX, I received a collection letter from Olympic Collection Inc ( OCI ), XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX ( XXXX ) XXXX claiming that I owe over {$500.00} relating to towing expenses. I called OCI and was told that there is a XXXX XXXX that was towed, and that the vehicle is registered under me thus they sent me a collection letter on behalf of the towing co. I told the case manager that I sold that vehicle in XX/XX/XXXX and that I will provide her information to prove so. 
On XX/XX/XXXX I emailed them a copy of the Notice of Transfer that I obtained from the local tag agency where I filed the paperwork right after I sold the vehicle. The Notice of Transfer shows that I sold the vehicle on XX/XX/XXXX and it also lists the name and the address of the person the vehicle was sold to. In the State of Oklahoma, when you sell a vehicle, you are required to get a Notice of Transfer to prove that the vehicle have been transferred from the seller to the buyer. From that moment on, it is the responsibility of the buyer to have the vehicle registered in any state they desire ; the seller bares no liability. I called and explained this to an OCI employee and was told this is not enough to prove the vehicle is not mine. 

I decided to contact the Oklahoma Tax Commission ( OTC ) agency and they agreed with me that according to Oklahoma law. They offered to write a letter on my behalf which stated that " A Notice of Transfer was filed with the State of Oklahoma on XX/XX/XXXX. Per Oklahoma law, XXXX  is no longer the owner of record. The Notice of Transfer releases him from liability for this vehicle. '' The letter also includes the office number in case OCI wanted to contact them. I emailed the letter to OCI on XX/XX/XXXX and called twice within 3 weeks and was told that they will contact the Oklahoma Tax Commission and get back to me. 

I received a call on XX/XX/XXXX from an OCI employee who told me that the claim will go forward since I did not provide enough information which is incorrect. According to the state I reside in and in which I conducted the business, I am not liable for that vehicle.
Consumer complaint received 2022-08-09
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. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (TX)

I AM NOT A LAWYER. I AM A XXXX XXXX. I believe I was misled about the hard copy information ( consent to judgment/ rule 11 ) they send to myself concerning the debt. Please see attached. This is a follow up to complaint numbers XXXX and XXXX. At the time I filed my original complaint, I was unable to attach the following call logs to prove I had communications with Zwicker and Associates on XX/XX/2018. I spoke with XXXX on the previous days as well. Somewhere on or the day before is where I heard him make his questionable statement. I believe it was on XX/XX/2018. It could have been the day before. I am unsure If the women on the phone told me that I need/ must sign it ( rule 11 and consent to judgment ) before she told if not I would/will be taken to court. Please investigate. What she said seems/feels threatening to me. What XXXX XXXX said about the consent to judgment form seems/feels very much misleading. Please double check our last communications. Both representatives of Zwicker and Associates have raised ethical questions and concerns to me creating a very real feeling of oppression with mental pressure and distress. I am attaching my XXXX as proof that I am a veteran. Please keep from sharing from Zwicker and Discover if possible. I also want to state that I will hold up my end of the settlement agreement faxed on XX/XX/2018 unless otherwise offered an alternative. I will not agree nor will I sign the consent to judgment or rule 11 that was dated the next day on XX/XX/2018.
Consumer complaint received 2018-09-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

In XXXX, and again in XXXX, I sent paperwork to Navient for loan forgiveness, based on the fact that I have XXXX full time, XXXX XXXX, in XXXX XXXX for over 20 years. I definitely qualify for loan forgiveness, based on this fact. The first time I tried, they denied me. The second time, they ignored me. They are still billing me for XXXX, in spite of the fact that I have made regular monthly payments for many years. I'm sure I've paid off what I borrowed, however the interest has made it impossible to keep up. 
I believe they are hoping I will just give up, but I know I have earned the loan forgiveness for teaching special education.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo was notified on XX/XX/2022 that the account ending in XXXX was not opened by me. It appears Wells Fargo continues to open accounts using customers identities without authorization. This account was opened as a Result of Identity Theft. I did not sign any account opening documents, Nor did I receive any account opening packets. I did not receive a debit card. Wells Fargo had 1 direct deposit from a XXXX XXXX ( XXXX XXXX ) That is not my employer either. My Employer is XXXX XXXX XXXX. Additionally, I got a very harassing call from Wells Fargo, of course I did not answer because I am working and I do not have time to respond nor answer Wells Fargo 's harassing calls and or emails. I am a victim of identity theft, I did not provide Wells Fargo with my Drivers License, Nor Social Security Card, Nor Passport. Wells Fargo did not verify my identity prior to opening said account, The account is not authorized, was not authorized. Yet I believe someone internal in Wells Fargo Opened the account, It must be someone from the CLAIMS Department that called to Harass me. None the less, I do not accept Responsibility for an account I never authorized. I have come to learn my email address was also hacked, and I was able to recover that with XXXX. I explained the identity theft situation. I called the CFPB and advised my account may have been hacked here as well. They were able to change my password and make sure the account was and is secure at this time. So previously complaints would not have been submitted from me. That has been rectified. Wells Fargo still allowed the fraudulent account to be open. I did not receive a debit card for this account, so I am not sure where that went or who opened it or received that. It did not come to my address. Wells Fargo continues to cause Identity Damage. This is not acceptable for people who are victims of identity theft. I want this account closed, and the username associated with this account or account 's closed as well.
Consumer complaint received 2022-08-08
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: Paypal Holdings, Inc (NY)

On XX/XX/2022 Paypal said my purchases which were never fulfilled were protected under their policies and told me countless times over the phone and chats that I would get my money back and to be patient. They initially said 15 days of no response from the vendor XXXX XXXX would result in a ruling in my favor. 

I was very patient, but Paypal waited until XX/XX/XXXX at XXXX to notify me I was ineligible to receive purchase protection on my 24 unfulfilled orders for a total of {$19000.00} which were under 180 days old. 

They additionally said there would be a high likelihood of orders over 180 days that were unfulfilled to be refunded. 24 orders with a total of XXXX. 

This process was extensively misleading.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Sales Inc. (GA)

I was told buy the company I had a warranty to fix the car it was the crankshaft needed fix they never fixed the car it stayed at the mechanic shop for three months because they said they was not going to fix it I asked for my money back for the warranty and they refused they even refused to remove the gap insurance fees and are still charging me the same amount of the car the day I took it off the lot minus XXXX dollars and I have the car for two years they sold it at a private auction even though I asked for it in writing for it to be public and they have not even told me any documents or paperwork on the amount it was sold for why am I still paying the same price the day I got the car?
Consumer complaint received 2018-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ASTA FUNDING INC. (OK)

I was on XXXX XXXX military at XXXX XXXX AR when I got an XXXX XXXX XXXX   phone in XXXX. For the first several months I was charged for roaming charges. Each month they would take the charges off. About 4 months later I was moved to XXXX  XXXX XXXX in XXXX XXXX. I had so many issues involving my bill and coverage I talked to XXXX XXXX XXXX  and because I was XXXX XXXX they said I would be released from the contract. On XX/XX/XXXX I find out my check has been garnished by XXXX XXXX. I called XXXX  XXXX XXXX n they all tell me the account was closed and not sent to collections. XXXX refuses to send me the Inormation about the judgement and say my debt is now {$6000.00}!!! That's a 4 month phone bill. I find out that they served the papers to my father and we didn't even live in the same state. They refuse to take my calls or answer emails. I have sent a request for all information that is required from them by law. They have not responded in a timely manner or at all. They continue to garnish 25 percent of my net paycheck even though Oklahoma law allows only 15 percent for head of household. I. Sure that this is judgement is in no way right or fair. XXXX XXXX have multiple lawsuits for fraudulently obtaining judgement including not giving notice, fraudulent evidence, inaccurate debt amounts and information, statue of limitations. They also were indicted XXXX vs Asta funding on RICO act, and lost class action. Please help me. I am a father of XXXX children and a wife all depending on my support. This is allegedly from 13 years ago
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265. 
An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.