davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2022, I purchased an airline ticket for my husband with XXXX XXXX. I chose PayPal as the payment option, and selected " use PayPal balance '' for the transaction, because I had {$2600.00} in my PayPal account at the time. The total cost of the purchase was {$2500.00} ( {$2500.00} for the ticket + {$41.00} for seat upgrade ). After the purchase, I checked my PayPal account and saw that my {$2600.00} balance was reduced by {$2500.00}, as expected. The following Monday, XX/XX/XXXX, I checked my XXXX credit card account ( which is linked to my PayPal account ) and saw that a {$2500.00} charge from XXXX posted to my credit card account. Upon reviewing my PayPal account, I found that the {$41.00} seat upgrade posted with the funding source as " PayPal balance '', but the airline ticket posted with the funding source as my XXXX card. However, my PayPal balance was still reduced by {$2500.00}. I spoke to PayPal, and they said that for some reason, there is still a temporary hold/pre-authorization on my PayPal funds XXXX though the transaction posted to a different account. I was told by PayPal that only the merchant could cancel a pending charge. I contacted XXXX XXXX and they told me there is nothing they can do because they have limited access to PayPal transactions and do not see a pending charge on their end. I then contacted PayPal again and was told they would escalate the situation and I would receive a call back, but as of today I have received no further communication and there is still over {$2500.00} tied up in this mistaken pending charge. The only concrete response I have received is that I have to wait 29 days for the pending charge to " fall off '' to get my Monday back, which is causing major financial hardship for my family. I spoke to 2 different people with PayPal customer service and they could both see the issue from their end. I have been unable to get XXXX XXXX and PayPal to communicate with each other directly to remedy this problem.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

They said our forbearance has been used up 18 months not continuous but we need to start paying mortgage, when I call to arrange & fix forbearance payments different XXXX bank reps keep giving me run around. For months saying its been escalated. We need to pay mortgage this XXXX already but everytime I call, they said we need a mgr to work payment plan for XXXX we owe but no one can help us. They keep saying call back. We dnt want to lose our home but it seems we cant get help either. They said dnt pay XXXX bec the past due needs to be discussed first. I will be delinquent this XXXX already. thank you
Consumer complaint received 2022-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022. I went to Wells Fargo ATMs to deposit money into my checking account. The first ATM I tried said it couldn't receive my deposit. So it returned my cash XXXX. So I went to use the next ATM next to it and without a problem I deposited XXXX into my checking. Next day I checked my account and it said I had pull out XXXX from my savings account from the first ATM when I never did. I reported it to Wells Fargo and they basically told me that I withdrew the money and that the claim was closed and I couldn't do anything about it.
Consumer complaint received 2022-03-07
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: EQUIFAX, INC. (AR)

Credit was pulled without authorization on the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO. (TN)

Requested extension for my vehicle with Ford Motor credit customer service because I was affected by Covid-19. The 2-month extension was approved, and after the extension period was completed, I resumed making the monthly payment. I received letter dated XXXXXXXX XXXX notice of default for these payments. I was told was told they were extended to the back of the contract. Ford has reported the payment past due 30-60 days. Ford Customer service provided misleading information it has damaged my credit rating and scores with the 3- credit bureaus XXXX XXXX and XXXX.
Consumer complaint received 2022-03-07
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. (MI)

My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 acount without my written instructions
Consumer complaint received 2021-10-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ALLY FINANCIAL INC. (MI)

Ally sent me a bill statement in the mail XXXX saying i owe a alleged debt of XXXX. I sent them a letter back XXXX telling them that they claim is disputed also asked them for validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Ally did not respond to my letter keep sending bill statements. Also Ally put this on my Credit profile which is damaging my credit and hurting me as i try to apply for a house.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Hello CFPB, On XX/XX/2022, I deposited a sum of cash somewhere in between $ XXXXinto an Wells Fargo ATM machine located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX The total amount deposited did not nearly match what the screen displayed, so I asked for all cash to be returned. However only some was returned and some was stuck in the machine. I was able to pull out {$600.00} in hundreds. 

The following is the information of the ATM machine : Model Number : XXXX Serial Number : XXXX Engine Serial Number : XXXX Hardware ID : XXXX I immediately stuck my fingers into the deposit receptacle to stop it from closing. I have photos and videos of the cash stuck in the machine.

I then ran into the bank to ask the bank employees for assistance, and they instructed me to allow the ATM deposit receptacle to close so that they may check for the cash on the other side of the ATM. They said they could not find my cash and instructed me to open a claim with Wells Fargo. 

I opened a claim with Wells Fargo, and was credited {$1200.00} during the investigation ( as I did not know the total amount to be deposited but knew it to be in the $ XXXX range I claimed {$1200.00} was missing to be safe ). 

Claim Reference Number : XXXX Payment Card : XXXX Today, The ATM claim # XXXX was reversed and {$1200.00} pulled out of my account, and upon calling Wells Fargo for more information, they stated my claim was denied as no extra cash was found in this machine. 

I find this impossible as I deposited a large sum, asked for all cash to be sent back out of the machine so that I could recount, and then was only able to pull out {$600.00} before the machine pulled the rest of my cash in.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name According to the FCRA, these unverified and unauthorized inquiries must be remove.

CREDIT BUREAU : EQUIFAX CREDETOR NAME : GUARANTEE LOAN SERVICES
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NE)

Fraudulent charge of {$920.00} was made on XX/XX/2021 to a Citi card previously held by me. I reported the fraud to Citi on XX/XX/2021. Citi cancelled the card on which the fraudulent charge was made and issued a new one but moved the fraudulent charge to the newly issued card. I received a letter dated XX/XX/2021 stating that my account had been credited and would be reversed in 2 business days. To date, Citi has failed to credit the account and remove the charge. Furthermore, they have assessed late fees and finance charges ( and continue ) on the fraudulent charge amount disputed and reported me as a delinquent account to credit agencies. To date, Citi has failed to resolve and remove the fraudulent charge and all related charges from my account. They have also failed to retract their erroneous reporting regarding my account to the credit agencies. To date, they continue their threatening attempts to coerce me into paying the fraudulent charge and related amounts charged to the account.
Consumer complaint received 2022-03-07
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. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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 2022-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. 
Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out 4 accounts, which I did through XXXXXXXX bank XXXX He contacts me through XXXX app, and is waiting for me to cash the next deposited check. {$8400.00} Total amount given to me by check, and was instructed to make $ XXXX  in online XXXX  payments. 
Chase Bank told me the checks were drawn off a closed account. I ask Why were the checks cleared then? They should not have been. 
The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, XXXX  app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. He asked me to make a XXXX payment, but it appeared to never go through. I did a stop-payment for XXXX, but XXXX paid it anyway for {$1000.00} with my consent. Unusual activity was on the XXXX communication. 
It looks like the sensitive information he obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MN)

XXXX of last year there was a Chase credit card open in my name and then also on Amazon credit card open in my name and my identity was stolen along with my social security number my driver 's license I'm putting documents for me and my kids so I've been going to XXXX and back and I also lost {$2000.00} with the money because of this identity theft and I just found out this month that three major companies had their company 's hacked
Consumer complaint received 2022-03-07
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. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-10-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-07
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. (CA)

I reached out to XXXX, XXXX, and Equifax regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-07
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. (NV)

For your consideration, All three credit bureaus have addresses along with dates of residence listed on my credit reports. Some of this information is incorrect and inaccurate, but what is more because my change of addresses have been numerous over time this could place me in a vulnerable position in applying for future credit. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves the use of XXXX algorithms which may filter according to numbers of changes of address -- a type of stigma and discrimination on the part of lenders.

To protect my right to privacy from these and other unethical forms of practice at large which are in the process of being greater regulated please remove from all of my credit reports mention of previous addresses in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Consumer complaint received 2022-03-07
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: SYNCHRONY FINANCIAL (WI)

I received a text message from XXXX stating my credit card was charged XXXX. The message said to call XXXX. When i did they had me down an app called Anydesk. They had me go into my XXXX account, had me apply for a credit card then was trying to have me send {$500.00} to XXXX. I then hung up the phone and deleted the app off my phone right away
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (CA)

I got my purse stolen that had my wallet phone I'd ss etc in it from my car. I did not report it right away because I was unaware. I had become sick with XXXX  and became extremely ill. When I realized what happened I filed a police report and called to report my card missing g and file disputes. All my disputes were denied.