davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BBVA FINANCIAL CORPORATION (NY)

I have been discriminated against and neglected by simple bank. Starting around the XXXX of XXXX up until this very day. Early XX/XX/XXXX I had my wallet an dcel phone stolen, I reached out to simple to send me a replacement debit card, due to the fact I was broke from no work do to covid19, and my direct deposit from unemployment was coming to that account. basically time was critical. when i called the representative had no problem updating my address, which was changed, and verified, as per simples website stated, the issue was she made ann error while inputting the address, my address is XXXX XXXX XXXX XXXX XXXX, but she changed it to XXXX XXXX XXXX XXXX XXXX, from that day XXXX second, i was promised an overnighted debit card and did not reeive my card until XX/XX/XXXX. All due to the team at simple not allowing me to change my address without the proper verification. Yet again, the initial time i called and needed the address changed, the woman did change it, furthermore, she changed it to the wrong address! I have absolutely no connection or verifiable document to link me to an address that is not even mine, and they verified it, but when i try to change the mistake, I am rather left to suffer, with no money and no way to access most of it, until they deem its fine, I will send alll chat messages i have, what has happened since this has been absolute XXXX, i will let the chat messages explain, but breifly : I was given permission to send money from my account to my XXXX XXXX in order to be able to receive funds, i was allowwed three times, they unbloked my now stolen card, let me make the transferl then reblocked it in real time. that until they decided i was not allowed to to this anymore, and denied me after the third time. 

they have over XXXX dollars tied up in disputes. one most importantly is for 300+ dollars from a 3day hotel stay in which i found bed bugs in the bed. I have video evifence, which i sent the first day i started the dispute, on XX/XX/XXXX, its not been almost a month, i have received no provisional credit, in fact, as im writing this email i received an email from the disputes team, sking me to email these supporting documents ( ie the video evidence to them. i have sent them this proof three. times. now. 

they allowed a merchant to direct debit XXXX dollars from my account when i had a XXXX  balance
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

hi, as we all known SBA was depositing loan and grants in sole propietor account, and i was one of them.Few moths before i got PPP LOANS, EIDL LOANS & GRANTS from them. and i didnt had business account as i drive XXXX AND XXXX and we are not required to have BUSINESS ACCOUNT & EIN NUMBER we can use our social security number. I am driving since 4 years with them. All of a sudden on XX/XX/2021 early morning my chase account is closed for some reason after trying to reach customer service they said it was due to the reason my account was not business account for sba to deposit the funds so please drop your 1099 and 1040 schedule c in nearest branch. After doing it right away now they want me to have EIN number so the can release my funds. I tried my level best to explain the the requirements by XXXX AND XXXX & IRS that drivers dont need to have EIN number. Chase said they gon na hold funds from my bank for 3 weeks which includes my saving account & my wife joint account she is frontline worker and her salary too gets deposited there. Now we dont have money in hand to Pay rent next week and no other source of money. I requested them and explained the best possible way i can but no humanity in them. and they want me to wait for 4 weeks to get my money.
Consumer complaint received 2021-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX. 2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX/XXXX that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (IL)

Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
Consumer complaint received 2020-12-03
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: SYNCHRONY FINANCIAL (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, SYNCB/AMAZON add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXX, XXXX, SYNCB add a hard inquiry on my credit report per XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In 2016 I hired XXXX XXXX XXXX to help with settling our debt. Through them, we settled the accounts and I paid Capital One Credit Cards off. I have been getting numerous letters from debt collection agencies trying to collect on this debt. When I send them a fair credit reporting letter requesting proof of debt and supply them with the paid account information, they sell the debt to another company and the cycle is continuing and the debt is being reported as though the credit card is still active and payments are late. The account is not still active and it has been settled and paid!
Consumer complaint received 2021-04-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (MO)

I applied for a loan online, I've made the payments on time every pay period. 
My loan amount was {$1200.00} I've made over 14 payments on {$160.00} and my balance is still {$980.00}.

I was told I would make 12 payments and my loan would be paid off, but its not. I've paid back the loan and more and still no where near close to paying this loan off.

I don't read well so I had the agent to explain my loan documents. If I would have known that I would have to pay 4-5 times that amount I would have declined. 

I'm not trying to no pay what I owe, because I have paid that and more and no where near done. I need help they took advantage of me.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

On XXXX XXXX I filed a Better Business Beaure complaint against Navient who is currently stating on my credit report I was 90 days late in 2015 but only have XXXX marked which is only 30 days. When I called Navient, they have stated my account is Archived and that they no longer can pull up information on me. I am requesting that Navient remove this false information off my 3 credit reports please. Thank you
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX i learned that I sent Barclaycard ( my XXXX XXXX credit card ) an ACH payment of {$7500.00} from the wrong account and it was returned for insufficient funds. I was told by Barclaycard customer service that they would retry the payment within 3 days or I could call and pay the amount over the phone to avoid a late fee and/or interest. To correct the error I did an immediate transfer of {$7500.00} to the same account the original ( in error ) payment was taken and called Barclaycard that evening ( XX/XX/XXXX ) to make a payment directly from that checking account, using my account number and bank routing number. The payment was processed and posted on XX/XX/XXXX. Barclaycard also put through the retry ACH payment on XX/XX/XXXX, which then was also processed on XX/XX/XXXX and returned for insufficient funds. Of the two payments of {$7500.00}, one was never credited to my account despite me sending my bank account statement showing the funds were sent to Barclaycard and withdrawn from my bank account. I have worked with my bank ( XXXX ), the bill pay company ( FIS ) and apparently the payment was sent to the wrong account number at Barclaycard and they are unable to find it or credit my balance despite me providing the Federal Reserve tracking number for the payment. I have also been working with The Mayors Office of Consumer Information, and despite their numerous letters they sent, Barclaycard would not respond To them so the director ( XXXX XXXX ) advised me to file a complaint with your agency.
Consumer complaint received 2021-04-24
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: CITIBANK, N.A. (NY)

I sent the bank documentation of a item that shows it was delivered but I never recieve. I contact Citibank to dispute the amount of XXXX and the rejected ny dispute
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Disputed claim for amounts owed. {$440.00} was under impression it had already been paid and handled. Portfolio Recovery now calling harassing me and my family members. Did not have a co-sign or anything. Revealing details about case and debt to my family. Threatening me and my family who are not involved with legal action.
Consumer complaint received 2020-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

In XX/XX/2018 I had a third party company that works with Nelnet named XXXX XXXX  XXXX call me. There employee by the name of XXXX XXXX Told me if I make {$200.00} and change in payments for 5months my student  loans will be dropped from {$11000.00} to {$5000.00}. He said I was eligible for the forgiveness program. I payed up to {$1600.00} and change to this company only for it all to be a scam.
Consumer complaint received 2020-06-22
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. (LA)

I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

I currently have a personal loan with Citibank. I made a full payment in XXXX, but according to Citibank, I'm still behind. I have spoken to the representatives of the loan department and they have not offered any remedies to resolve this debt as their correspondence has stated. They call me non-stop at all hours of the day. And recently, they've been calling and not saying anything. Saturday, XXXX, from phone number XXXX @ XXXX a call came in but no one said anything. The call terminated. On XXXX ( Sunday ) from phone number XXXX @ XXXX, the representative was adamant about receiving payment. and just this morning a call from XXXX @ XXXX XXXX came in, but no one said anything. 

A full payment towards this loan was made last month. During this Pandemic, this loan is not a priority, however, I am still making payments, I will not be harassed in the process.
Consumer complaint received 2020-07-26
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. (NJ)

XXXX XXXX XXXX put a 60 day late payment on my credit report for a Visa card that I have with them that I have not even had in my possession since XXXX. The charges stem from some late fees they claimed were on my account which should have never been there due to the charges on the account were fraudulent and had been disputed and were not adjusted properly on my account. I contacted XXXX and was assured everything was resolved and they even emailed me a letter to confirm they would contact the 3 major credit bureaus and have it removed off of my report They also sent me all the dispute information in the mail and my balance was supposed to be brought to XXXX  and they raised my credit limit by {$500.00} and they were going to send me out a new card. The negative item was removed off of 3 credit bureaus and stayed on XXXX. I even put in a dispute as instructed by the XXXX rep to make the process faster. I called XXXX and informed them that it was still on one credit report and I spoke to the exact same gentlemen who handled the matter originally and he stated he would fix it and that he actually had the disputes that I did and he will rectify the matter. Instead he made and even bigger error by putting the late payment back on all of my credit reports and bringing my score down even further and I attempted to call and could not get through to him. This is my last effort before contacting a lawyer. They affected me getting a property and lowering the limits on other cards as it looked as though I have a recent 60 day late on my credit score. I also still have not even received my card and the credit bureaus are stating XXXX confirmed verified the account as being accurate with the late payment I do not have any late payments on my credit report except this.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OR)

My name is XXXX XXXX. I am a XXXX year old college student during the month of COVID-19. Chase has not refunded my money to me. They took my money away starting XX/XX/2020 and now it has been XXXX. They took my money away because they thought I stolen money from my parents XXXX Unemployment money. But after I brought my parents they examined my parents ID and got my parents signature stating that my parents have given me those fund to put into my account in order to help me with college. Chase told has told me that they understand and everything is done. And they will send my money out to me. Now it has been 1 year. I call chase everyday waiting for 1-2 hours for them to pick up. But they dismissed my problem. I also go to the local chase bank and talk to the banker XXXX XXXX. I contacted the federal before and chase did agree to give me around XXXX dollars back and now I have around XXXX dollars left and they still have not given it back to me or contacted me in any way and its been a year since they have taken my money. 

This is the last statement they send out to me after the federal contacted them. 

From chase bank : We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal when you spoke with us. Under the terms of our Deposit Account Agreement ( DAA ), we may decline or prevent transactions to or from your account, and we generally do so to protect you or us, or to comply with legal requirements. We closed your accounts and placed the funds totaling {$9400.00} in suspense. The conditions were met for {$6000.00} to be released from suspense. We sent you a cashiers check for this amount on XX/XX/2020, by UPS with tracking number XXXX. The remaining funds of {$3300.00} will remain in suspense until the funds are verified by the sender. There is no timeframe for when this will be completed. The DAA allows us to close an account other than a CD at any time, for any reason or no reason and without prior notice. It also explains that we may remove funds from your account to hold them pending investigation. We gave you a copy of the agreement when we opened your accounts. You can see the current agreement on chase.com. 

Now that its been a whole YEAR, I would really like my money back. This has gone on for so long. And I have been extremely patient.
Consumer complaint received 2020-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it May Concern I notice an Account That is On My Credit That I did Not Authorize. I did Not Give Anyone Consent to Open Any Accounts On my Behalf. This Is fraud I would Like To Have this account Block and removed Off My Credit Thank You
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (IL)

I visited tcf branch atm to make a cash deposit to my account. The ATM encountered problems and it didnt process the full deposit. The ATM didnt release the rest of the funds back to me. It kept it and told me to contact the branch. It has now been 24 hours and not only am I without my money but I also have hundreds of dollars in overdraft fees because of this matter. I filed a dispute with the bank and Im being told I have to wait 5 business days for the claim to be finished before I can retrieve my money back. Its bad enough Im without a job due to covid so to be without more money and no compensation while tcf correct this issue is wrong.