davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

Paypal XXXX XXXX + {$21.00} USDXXXX XXXX XXXX Payment received Add tracking info Paid by XXXX XXXX XXXX Shipped to " Address '' Seller Protection Eligible Eligible when you... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Have you received this order? 
Domestic : No Shipment Tracking XXXX XXXX XXXX, Sent by MANUAL Status : Order Processed Print packing slip Edit tracking info Transaction ID XXXX Purchase details XXXX {$22.00} USD Item # XXXX Purchase total {$22.00} USD Fee -negative {$1.00} USD Total {$21.00} USD Until now they still lock up my account balance they promise after 6 months..but then still limited, please help me
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (OH)

I constantly receive email solicitation from XXXX XXXX to apply for their credit card. I am XXXX frequent flyer and I belong to their mileage club. 

I applied for the credit card and then I get rejected for no reason given. My current FICO score is XXXX. I applied for it twice over a year period or and both times they reject my application. As far as I know, I do not have any bankruptcy or delinquency in my past credit history. I have enclosed the rejection letter to this online complaint. 

It's is bothersome why this is happens to me. I have never had any issues with my credit and or getting other credit cards except from Barclay Bank which XXXX uses. 

Because I am not able to get the credit card and receive the benefits that comes with it, I will continue to have to pay for my check-in in bags each time I fly. To me this seems unfair and discriminatory since I have excellent credit. I would like to know on what grounds Barclay is rejecting my application.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (OR)

I believe I received an email or notification when I logged into my KeyBank Checking account that if I opened a savings account with at least a {$10.00} I would receive a {$35.00} bonus. I opened a KeyBank savings account on or around XX/XX/2021 with the first ( and only ) deposit of {$50.00} deposited on XX/XX/2021. I never received the bonus. I went to the XXXX, OR branch on XX/XX/2021 and asked why I didn't receive the bonus. The clerk didn't know and called corporate. I don't remember the reason I was told why I didn't receive this bonus, having just been told that I didn't receive the checking account bonus either. I just remember thinking that these promos were all deceptive.
Consumer complaint received 2022-06-08
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)

In accordance with the fair credit Reporting act, XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for XX/XX/2022 on my XXXX card ending in # XXXX on file AND a late payment for my XXXX auto loan beginning in # XXXX for XX/XX/2022 TOO. This is simply not true. I would like an investigation launched about this supposed late payments.
Consumer complaint received 2019-02-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I wired from my JP Morgan Chase account {$110000.00} to my wife 's account in XXXX to XXXX. 

The XXXX exchange rate that day was : XXXX US Dollar to XXXX XXXX XXXX. 

XXXX paid their own rate at XXXX XXXX to XXXX XXXX Dollar The difference that I received was a difference of {$13000.00} US Dollars, or {$240000.00} XXXX XXXX. 

I made the transfer using my mobile app, which I had used to transfer money to that same account in a previous wire transfer with no such penalty. Had I known that I was facing a HUGE discrepancy in total payout, I would NOT have made this transfer. JP Morgan Chase failed to alert me that I was in danger of losing a great amount of money.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (CA)

PHH Mortgage LN XXXX XXXX XXXX XXXX , XXXX CA XXXX PHH is refusing to release a payoff demand to an authorized third party. Their representative in XXXX stated they are not required to release payoff demands on this file. Their representative refused to let me speak to a manager. We would like an explanation as to why they are refusing to provide a payoff demand. 

***Why do we have to file a CFPB complaint on EVERY short sale we have with PHH just to get a Payoff Demand??? 

I want a payoff demand good for 30 days faxed to XXXX-XXXX-XXXX.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (FL)

The reason for this letter it to dispute unauthorized inquiries on my credit report. On XXXX XXXX I retrieved a copy of my credit report and discovered 1 inquiry that I have no knowledge of. Because I did not apply for credit with Wells Fargo Dealer Services, Inquiry date XX/XX/2021. I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. I have also listed a copy of my updated credit report.
Consumer complaint received 2019-05-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PDQ Check Exchange LC (UT)

A Payday Loan Company Money 4 you in XXXX, Utah says I took out a loan with them. I never took out a loan with this company and told them several times over the last 5 years. I sent them proof that it is not me with birth date and different Social Security numbers Etc. They won't quit hassling me through the courts and have served me papers several times and issue a bench warrant. 
The original loan they say was in XX/XX/2014. I did not owe this company any money and I want them to stop the abuse and using the courts to intimidate me.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I was given a XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX and was put on a plan to pay monthly with the understanding that I wouldn't own the equipment until I had paid a specific dollar amount. My insurance company, XXXX, was also billed and paid for a portion of the equipment. I did pay monthly for a long period of time until the manufacturer XXXX XXXX SENT OUT A RECALL NOTICE stating the equipment was found to be a CARCINOGEN risk and that it had to be returned to my medical provider. Within 3 weeks of that notice I took the equipment back to the medical office that gave it to me, with every accessory that came with it and in the original carrying case. I also provided them a copy of one of the recall notices that I got from XXXX XXXX and a copy of the XXXX XXXX website showing the specific model that I was given. I asked for someone to confirm that my billing would stop and was told that there was nobody available at that time so I instructed the girl at the front desk to discontinue billing me and to discontinue billing my insurance company and I left the recalled equipment in their office. The billing continued to accrue for several months coming to a balance of {$320.00}. I called their office and requested that they cease and desist billing me for a recalled piece of equipment that was potentially cancer causing, and that I had returned to them. When that didn't happen I went INTO their office and told a different receptionist at the front desk to get with whomever was handling insurance billing and stop the billing. She told me that she was the only person in the office besides the doctor, who was with a patient, and made a rude comment about Covid. They continued the billing and then sent my account to a collection agency for the {$320.00}. I have disputed it 4 times with XXXX and both myself and XXXX have provided them with the recall documentation from the manufacturer to verify I didn't just return it and stop paying randomly. The collection agency, XXXX XXXX, continues to respond to the credit bureaus that the debt is owed. I have called, written, e-mailed, disputed and now I am reaching out to CFPB to intervene. I have all the evidence of the recall of the machine, and the equipment was connected to my internet and supposedly reporting until I returned it. They can verify if/when it was being used. Please assist me in getting this erroneous debt off of my credit and that I am treated fairly!!!! On the internet you can SEE THAT IT WAS RECALLED AND DANGEROUS you can see XXXX REVIEWS THAT STATE OTHERS ARE HAVING THE SAME ISSUES WITH THE ORIGINAL MEDICAL OFFICE. I don't know what else to do to get help and get this removed from my credit reports. I have provided and requested documentation for any sort of verification. I didn't sign anything at the doctors office and they didn't provide me with a receipt when I returned the equipment. They continued to fraudulently bill my credit card AND DEFRAUD MY INSURANCE COMPANY.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

I contacted Wells Fargo on XX/XX/XXXX at XXXX EST to speak with someone regarding 401k accounts. I was requesting a copy of my XXXX Tax Year 1099-R. When I provided my credentials to authenticate myself, Wells Fargo was unable to pull up my information. Based on a bill I received from the IRS a 1099-R was reported from Wells Fargo under my SSN for the amount {$12000.00}. However, they were not able to locate my tax forms. 

In XXXX, my Wells Fargo 401k moved to XXXX. Wells Fargo told me they no longer serviced retirement accounts and they didnt have any additional information to provide me. I was told to reach out to The Advisor support team at XXXX, a company that serviced the 401k accounts. 

I called XXXX on XX/XX/XXXX at XXXX EST to see if they would be able to locate my 1099-R from XXXX. They were unsuccessful finding any information regarding my accounts. XXXX  told me that Wells Fargo should still have records that took place in XXXX because they didnt service 401k accounts during that time. 

I called Wells Fargo again on XX/XX/XXXX at XXXX to speak to someone in the Wealth Mgmt Department XXXX They once again was unable to locate any documents related to tax year XXXX and advised me to call XXXX again. 

I need a copy of my 1099-R distributions from Tax Year XXXX and Wells Fargo along with the advisor support team at XXXX has been unsuccessful in providing any assistance. This is alarming because by law financial institutions have to hold records for at least 5 years.
Consumer complaint received 2022-07-11
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-08
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)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

There are 2 things I would like to address concerning Equifax. One is the dispute results I received from Equifax on 3 accounts ( all the same company : XXXX XXXX XXXX ) on XX/XX/XXXX. I disputed the ownership of all 3 reported collections reports because I have not been to the hospital in over 10 years, and this company claims I owe {$85.00}, {$65.00} and {$65.00} for medical bills that were first reported late as of XX/XX/XXXX. These do not belong to me. Equifax came back with the results and said they were accurate and will not be removed from my credit report. XXXX and XXXX both found these accounts do not belong to me, and they have removed them from my credit report. Here is the REAL issue with Equifax 's results. Notice at the top of " Equifax XXXX XXXX  '' they have my name ( in First / Last order ) as XXXX XXXX. My name is XXXX XXXX... they have my name wrong on the dispute results. There is no comma between XXXX and XXXX, they simply got my name wrong... so how am I to trust Equifax is supplying the correct information when they can not even get my name right? My second issue- After I disputed the results including the incorrect name, my credit score mysteriously dropped XXXX points ( only on Equifax... not XXXX or XXXX ). Their reasoning was that my score dropped XXXX points because I was granted a {$120.00} credit limit increase for paying my credit card bill on time AND because my credit card balance decreased {$330.00} when I paid it off. I do not understand HOW being rewarded by a credit card company with a credit increase, or how paying my credit card bill AS EXPECTED - ON TIME with a {$0.00} balance can LEGALLY do my credit harm?? These are both good things... why am I being punished for having good things reported to Equifax? I'm starting to feel like there is some personal bias because I brought their mistake to their attention, and they didnt like it. Please help me, I have been trying so hard to buy a house for 3 years now and Equifax is always the one who destroys that opportunity for me and it's not fair.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I told them i would give them my bank information when i needed to make a payment. They said that would not work and they needed to keep my bank information on file so they can charge it when they needed too. Im nlt comfortable with that and would just go through another credit repair company but it seems they have some sort of monopoly with the credit companies and an unfair advantage which is why i am filling this complaint
Consumer complaint received 2022-06-07
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. (NY)

In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but XXXX  XXXX decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. XXXX  XXXX stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called XXXX  XXXX who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (DE)

I received a letter from XXXX chase advising the received an application for a XXXX XXXX XXXX  card account. I did not apply for this. I do not have a business. The letter is dated on XX/XX/22. I checked my XXXX  file and a hard Inquiry was pulled by XXXX on XXXX.
Consumer complaint received 2022-06-08
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2019-02-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I have contacted Ally Financial several times regarding a negative report on my credit file. Ally Financial is reporting my payment for the month of XXXX was late. At the time my payments were due on the XXXX of each month. I made a payment on XX/XX/XXXX of {$1300.00}. Contacted Ally to change my due date and was told I had to pay {$140.00} to change my due date from the XXXX to the XXXX. I paid {$140.00} on XXXX. My new payment date would not take effect until the next month XXXX. Ally can not explain to me how my XXXX payment was late in the several calls i have made. I am just told they can put in a dispute that takes 30 day only for me to get a letter that says their right with no other explanation. I called again and was told i could not talk to the credit department that reviewed my account but that they could put in another dispute that takes another 30 days. This is unacceptable. I need Ally to explain how my payment was over 30 days late for the month of XXXX.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

Currentl, requested refund from Edfinancial services for PLSF. Customer service has no update and shifts blame to XXXX  for refund delay. No email confirmation, refund is said to take minimum 120-170 days depending on the case. XXXX Updates, must call to check in. has been XXXX weeks since refund has been requested and is still " in processing. '' Had to call to check refund submission was sent. Currently no real updates and I am fearful of the PLSF passing while my loan is reinstated to me with interest.
Consumer complaint received 2021-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AZ)

Their services uncarefully looked into, failed to understand and/or misconstrued the discrepancy matter as brought forward to them, as acknowledged by their services ( place see attachments ) reply. 

Realize that Navient is trying to perhaps do their best under the circumstances, even being overwhelmed with the many others facing similar issues, that is well understood, however I am only one ( of many ) as an individual who is having this serious problem-issue for far too long, and have made prior complaints regarding this matter in the past as well. 

I have had this unfortunately financially crippling, serious problem-issue with these student loans especially ever since the first consolidation, of which have made the owed amount worse and, as of this writing is continuing to increasingly get worse, with no complete care of giving a reliable and accurate assistance from their services ( or, for that matter, whoever else ) whatsoever. 

Also, have contacted one of two US Senators, with one of them who gave ( please see attachments ) their caring in terms of a citizen-assisting reply. 

I am bewildered, Disappointed and abandoned to consider the nature of the former as a serious SOS situation! 

Please do contact should there be any questions, clarifications needed etc., thank you kindly for your services in the handling of this complaint. 

P.S. : Have also submitted a complaint to the XXXX, of which is in progress though at this time w/o a resolution etc., thank you kindly for noting!