davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MD)

I closed my checking account ( Wells Fargo ) that had {$2300.00} through online on XX/XX/XXXX. She said to me that cashier check would be issued next day ( XX/XX/XXXX ), and I could receive my check within 5~7 business days. However, I haven't gotten my check until now. 
So, I called Wells Fargo several times, but the customer service employee said you just needed to wait. I waited almost 50 days and did not receive any letter or response from the bank. On XX/XX/XXXX, I called customer service other part again, and I said to her I thought the cashier check was lost. She finally answered my request. " Our bank can not cancel the issued casher check until 90 days from starting day of issued date of it, and you can declare lost your check after 90 days from closing date. '' I received the file of declaring cashier check from her after 5 days. 
What can I do? I want receive my money right now, and I am very angry. I can not trust Wells Fargo bank.
Consumer complaint received 2022-07-29
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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  GEORGIA XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

This complaint is in ref to initial complaint number XXXX. 

I was mis-lead until I noticed of a {$95.00} membership fee. This was not mentioned during the phone application for a Chase Bank Business Credit Card. When I complaint to the company, I was told to close the account and re-apply for a different card and Chase will pull my credit report again. Why? They were unwilling to transfer over to a non-fee credit card. 

I am a small XXXX Veteran XXXX  trying to survive during this crisis. Don't have time for this sort of non-sense from a co that I have spent over 22 years of military service defending.
Consumer complaint received 2019-08-02
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-09-28
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. (MN)

On XX/XX/2021 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. I 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX I am writing to dispute the following information that Two different credit card companies provided to XXXX , XXXX and Experian. The item that I want to dispute is negative payment history on my credit file. Below I left the name, account numbers and dates of inaccurate information. This item from XXXX  XXXX XXXX is inaccurate because I have paid off my debt from this company. As well as being an XXXX XXXX XXXX at that time, whom had no knowledge of the SCRA Relief. This account has been closed for almost 8years and has reported in the last 3 years to my credit file. I am requesting that XXXX XXXX XXXX have the item removed or the negative payment history removed to correct the information. As well as XXXX XXXX/XXXXt removing the negative late payment. There are addresses and phone numbers that I dont recognize as well. I ask that all addresses and phone numbers be erased from my credit file except the one listed above. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX Dispute late payment : XX/XX/XXXX XXXX XXXX XXXX : XXXX DISPUTE late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

I have been trying to get this matter resolved with PNC since XX/XX/XXXX. {$8200.00} of my funds from my accounts was stolen and the Branch manager refused to help. Some of the employees changed transactions to cover up the theft because my statements are now inconsistent and I sent a package with evidence of the fraudulent transactions created, however no one got back to me. A XXXX XXXX signed for the package on XX/XX/XXXX. The resolution was closing my accounts and refusing to speak to me. I want someone who will actually investigate PNC 's ethical practices. Because I feel they are committing fraud and theft of funds. I want my money ... and justice!
Consumer complaint received 2020-05-05
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$440.00} XXXX   XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

PayPal in combination with Synchrony Bank do not respect XXXX preferences for me to not receive advertisements for credit cards in the mail.

A few months ago, I received a piece of mail to apply for the PayPal XXXX  Mastercard.

However, many years ago, I submitted a permanent Opt-Out Election form to XXXX so that I would never receive unsolicited credit card offers.

I have tried calling PayPal because the advertisement is for a PayPal credit card, but they sent me to various departments and the " best '' answer I got to no longer receive mail was to sign up on XXXX And it seemed as though PayPal tried to blame Synchrony Bank but Synchrony Bank has no record of me. But considering I have been signed up for XXXX for many years, it's clear neither respect that list.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (LA)

I was scammed by a website. I went to the USPS website to sign up for a change of address. After I finished I saw a charge on my account for for a change to my mail website. I never went to a change to my mail website I went to the USPS website. So I was scammed out of {$100.00}. So basically they are attached some kind of way to the government website. I went to NetSpend in disputed charge in XX/XX/XXXX of 2022. I got a letter today saying that they investigated it and that they found no error occurred. I call the company back again cuz the first time I called I couldn't get through so I called again. So there's no way to talk to somebody at the company. Because the company doesn't exist. It's a scam there's no mail forwarding I never got none of my forwarded mail. And I would have never signed up to change my address for XXXX XXXX NetSpend made a decision without even asking me my side of the story they didn't send me no paperwork to fill out. The website no longer exist for this company. So how could they make a decision to say that I can't get my money back because I was scammed when the company doesn't even exist anymore so it's obvious I was scammed. Please contact them to appeal their decision.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I placed an order on XXXX on XX/XX/2022 for {$130.00} and used my PayPal account to pay for it. 

I never received the package, and when I called XXXX XXXX XXXX customer service, I put in a claim for either a refund or replacement for the items I never received. XXXX customer service was unhelpful and said that the package was delivered although they failed to show me proof. It was never delivered. They used a carrier called XXXX delivery. I went to XXXX and there is no phone number or contact information to ask them about my shipment. I contacted XXXX XXXX XXXX  again and asked if my item was insured like it would be if they shipped with USPS or XXXX  they didnt answer. 

I contacted PayPal because they advertise that they offer consumer protection when you use PayPal to pay for goods and services. I put in a dispute with PayPal about the charge, and they closed the case in favor of XXXX because XXXX reported my package as delivered. They also failed to show evidence. I have cameras in my building and no packages were delivered for me. PayPal and XXXX are defrauding me, neither company has done anything to help me PayPal says they protect consumers, thats why I use them to pay for things, but they dont follow through with their promise. Their are tons of complaints about PayPal doing this on XXXX and other sites and they have no oversight. They need to fulfill their promise to insure items bought using their services. 
XXXX customer service said there was nothing they could do, nor would they process a chargeback. The PayPal customer service rep told me to contact the government about this! So that is what Im doing? 

PayPal closed my case, saying I didnt respond to their request for more information about the item not received. But I did respond to their inquiry, and even attached a police report about the item not delivered. 
This is information that PayPal asked me to give them. So, they arent going to refund my money for me? I suppose this costs them money, that is why they always side with the merchant? I attached a screenshot showing the information, as well as the police report. PayPal also promised to get in touch with me again about this, but they did not. XXXX XXXX XXXX customer service promised to contact me again about the package, and they have not either. Every time I call to complain, they say the same thing.
Consumer complaint received 2021-04-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

I tried to do a refinance with Quicken Loans. 
I spent 6 weeks working with them, beginning on XX/XX/XXXX. 

In the end, my application was rejected because the property is more than 20 acres and is a residence in a residential zoning district. Note that my credit is exemplary and the property appraised for over estimated valuation. 

Following this, I asked Rocket to remove the credit check from my account as it was based on the false premise that they provide jumbo mortgages to properties such as mine. 
At this time the agent refused to acknowledge any accountability of Quicken for it's false business practices.
Consumer complaint received 2023-06-02
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. (NJ)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of Equifax, XXXX, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : Equifax ( Tracking Number : XXXX ), XXXX ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (KS)

This debt collection company is calling trying to collect a debt I do not owe. I have paid the company. The company actually owe me money. I have informed the debt collector of this and yet they still call. Today at dealt with a very nasty representative from this debt collection agency
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Bank did NOT solve any of the problems from my original complaint. They did not even terminate XXXX 's employment at Barclay. There's no indication that they actually read any of my complaints. They only sent me generic responses. 

If they are not able to solve any of these problems, we should continue the legal battle well into XXXX or XXXX. This is NOT something I will put up with, just to be clear. 


Original Complaint that was sent to Barclay on XX/XX/XXXX Date : XXXX, XX/XX/XXXX, XXXX XXXX Subject : Complaint against XXXX To : XXXX XXXX : XXXX Hi Barclay Bank : I called Barclay Customer Service on XX/XX/XXXX and I spoke to someone name XXXX. 

She refused to give me her last name and she gave me a fake employee ID. 

She told me she is located in XXXX, Nevada. ( if that's not a lie ) I had questions about my account which XXXX could not answer and refused to answer. 

We got to a point where I asked a question and she said that she did not have a response for me. 

She's very XXXX and rude to me the whole time. 

I had to escalate to a manager in order to get my questions answered and took care of business in my account. 

Please listen to the recordings from that day. 

XXXX talked to me like she was my boss and I was begging her for help or something. 

She lacks customer service training and sympathy as a human being. She left me with no choice but to formally report her. 

Please terminate XXXX 's employment at Barclay. She's a XXXX XXXX  at Barclay. She brings XXXX to Barclay. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I am writing this as I just got off the phone with the Chase fraud dept after waiting 6 weeks for them to tell me they were not going to return the nearly {$7400.00} that was removed via ACH transactions. There were multiple transactions starting with {$2.00}, {$2.00}, {$2.00}, {$3.00}, {$1.00}, {$9.00}, {$3.00}, and {$9.00} which were deposits. 

Since they were deposits and were in my savings acct at first I didnt pay much attention because I thought they were dividends due to the amount in the account. Then as Covid was gearing up and we were dealing with my husband becoming unemployed, homeschooling, and trying to get our accountant to do our taxes etc the next few weeks the with drawls started weekly {$480.00}, {$780.00} and {$980.00} totaling {$7400.00} The source was labeled XXXX XXXX. We use XXXX XXXX and XXXX for a lot of our business transactions so at first I assumed my husband was purchasing something for business. Being at the computer more with pandemic unemployment claims etc I finally noticed the amount was unusually low and caught the activity. I then made a claim with their fraud dept. Apparently they only look at 60 days from the first transaction and will not do anything about replacing the money when it is apparent fraud. One year ago there were two with drawls totaling {$11000.00}. via ACH transfers. All at the same bank. We opened a new account and transferred the money to the new account, with their help and guidance, within a few days the ACH with drawls started happening again. We then with drew the money as cash and put it into a third account. Since the connection between the accounts in my mind was broken there was nothing for a while. Apparently regulation E, which I was not aware of, states that there is only a 60 day window to make the claim. Even if we were to claim the transaction window starting XX/XX/XXXX it would have fallen in their window. Since we did not authorize this source it atomically goes back to all transactions even if it was a tiny deposit looking like a dividend. Which then puts it passed 60 days but the large part of the stolen money was within 60! days. This EFTA was made in XXXX! The internet was not even around then. How can this still be a thing in todays time. When these hackers know how the system works. This can not be right. 

With everything going on especially XXXX - XXXX you would think that they would do something about this. Fraud is fraud. I have been a member of Chase since XXXX and am surprised at them not wanting to help at all. Have you had any experience with this situation before and can you help us get our money back from Chase. 

Thank You for your time. 

XXXX XXXX
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

There was an unauthorized transaction from my paypal account. 
Transaction ID XXXX amount is {$1000.00} I claimed the fraud activity and reported this to paypal yesterday but it was still authorized by paypal. And paypal is not letting me to reopen the case again. 

I live in USA, I have never been to XXXX and I don't have any affiliation with the company the transaction went through.
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (NE)

I live in XXXX, Nebraska. A lawyer for XXXX XXXX XXXX, XXXX XXXX XXXX has sued me for {$1300.00}. I have never owed this money to any individual, company or agency. Nor was I given a written notice that I would be sued, before I was actually sued. I was denied any opportunity to dispute the fraudulent debt outside of court. A simple web search proves that this law firm has been the recipient of multiple complaints in the past 12 months. ( https : XXXX ) The address for the lawyer listed in court papers is XXXX XXXX XXXX XXXX, XXXX XXXX , MN XXXX. I was served with a certified letter containing a Summons issued by XXXX XXXX XXXX in Nebraska post marked XX/XX/2020. The postal service did not deliver the letter until XX/XX/2020. I have never lived in, or traveled to XXXX. 

The plaintiff, Ffif-acm XXXX XXXX XXXX, is a foreign limited liability company with no physical office in Nebraska and perhaps not even in the USA. They have all the hallmarks of a shell company. I have never done any business with this company and I have never borrowed money from this company. I have not been presented with any bill of sale, receipt, invoice or signed contract showing when I agreed to pay this money. Nor have I been shown any documents to explain what purpose the money is allegedly owed for.