davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Below is the complaint I filed with PayPal inc. The company is refusing to release my funds until after 180 days even though I have been compliant in authenticating my identity. 


Filed with PayPal Friday, XX/XX/XXXX Reference ID : XXXX I am respectfully requesting that the hold on my funds/account be lifted. I am NOT requesting that my account be re-opened or allowed to continue to use the PayPal service, as I respect PayPal 's decision to suspend my account. 

I simply would like my funds to be released as swiftly as possible seeing as I have not been involved in any fraudulent or illegal behaviour ; I simply made a business account BY MISTAKE instead of a personal account. I do not own a business and thus the {$800.00} USD in my account is money I made on my own accord. I do not have any customers and thus the 180 ban in order to await customer disputes is invalid. I have proof of NOT owning any sort of business attached to this account, that of which I am happy to provide PayPal with evidence. Also, I had previously contacted PayPal to ask them how to downgrade my account from business to personal AND when prompted for showing identification, I do so properly. I was then suddenly banned without proper warning. 

Furthermore, I am currently overseas and am in need of these funds for traveling back to America. I will begin my travel next Tuesday ( XXXX ) and am in need of these funds. I have proof of my travel such as my ticket and and passport and am happy to provide evidence of this to PayPal directly. Without these funds, traveling to see my family ( whom I haven't seen in 4 years ) will prove extremely difficult if not impossible for me. 

I have previously requested a review/appeal of my case which was denied even though I was compliant and offered proper authentic identification for the issue. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. I will be filing complaints with my respective agencies in America if I am not satisfied with PayPals response to this request to release my funds, respectfully. 

Finally, I do NOT wish to have my personal finance information kept for 180 days as I would like to completely terminate my business with PayPal.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WA)

My wife has tried to obtain her credit report several times in different circumstances. Each time, some automated system asks her bizarre questions that have no correct answers and seem unrelated to her records. 

Equifax has a long, slow process involving mailing in a form with a bunch of identity info to try to get a copy of the credit report. But it's too late -- we'll miss being able to buy a home due to the long delay that is starting. 

Why is Equifax allowed to continue to operate when they both lose our data due to terrible security policies, and then fill our records with incorrect info with no fast way to remedy? 

This company should be shut down. The remedies in place after the huge hack years ago haven't helped at all -- it's still a bizarre troll that should be illegal.
Consumer complaint received 2021-11-27
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: EQUIFAX, INC. (FL)

I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus XXXX & Equifax... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a Card with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

When I was XXXX years old I opened my chase account. My uncle at the time was investing into cryptocurrency and wanted to help me also so we signed up for XXXX and this should be around XXXX. XXXX had some issues and I'm not sure why but I can blame it on XXXX, but this caused a dispute and chargeback and then later on chase cut relationships with me. I learned it was crypto at the time due to research on XXXX and XXXXXXXX and XXXX and similar complaints at the time and they refuse to tell me the reason. I got a offer in college during XXXX to open a chase checking account in the mail so I opened a account got the XXXX skin card. In a few days my account was closed I was so upset and they keep sending emails about my credit score and things as if I have a open account monitoring my credit. I tried to fix the issue during covid 2020 again over the phone and they never followed up because I was asking what can be done to fix this issue and do I owe a balance for the crypto charge back and my family bank with them and I want to also and I don't mind to start paying off a balance or do something to bank again with them. I want them to understand I was young and didn't know they are not fond of Crypto at the time even though they don't want to acknowledge that. I simply want my checkings account back and to go about my life and I was told so many things, try in a few years which I did, this happened at XXXX years of age now I'm XXXX going onto XXXX.
Consumer complaint received 2021-11-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I bought XXXX coin on XX/XX/XXXX for {$21000.00} and they gave me certain amount of shares of this coin when I tried to sell on XX/XX/XXXX they canceled my transaction and locked my account so I couldnt control my account and lost most of my money when I contacted them they said there was an error happened so they stopped trading on this coin till they fix it but after XXXX  days they logged to my account and changed the amount of XXXX and the price in the transaction history and got most of them and said this is the right amount I should have so how come this happen when we agreed to buy we should see how many shares we will get and I have the receipt for that and email with the cancellation for the transaction and a screenshot of my buying transaction before they change it if we said there was an error happened so they shouldnt accept me to buy this coin from the beginning and cancel my buying transaction not to lock my account and force me to lose them
Consumer complaint received 2022-08-22
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: Synovus Bank (TX)

This letter is a formal complaint against XXXX in regards to an account # XXXX. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. 
For XXXX, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law. 

For XXXX, they just refuse to investigate the account, I've actually disputed with the company several times directly who simply refuses to verify the debt I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
Consumer complaint received 2021-11-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (MI)

I have a collection on my credit report from XXXX funding stating I owe {$600.00}. I sent a debt validation request to them, to which they never responded. I reported this lack of response to all credit bureaus to no avail. Upon contacting this company by phone, they say I dont have a debt with them. I get mail from XXXX XXXX saying that I owe them {$600.00}. This same debt. Upon contacting the company by phone, they say they can settle the debt for less than 50 %. When I asked to pay for 20 % they said the debt is with another party. I reached out to this third party and its a company called Stenger and Stenger, a law firm who says that I owe them {$600.00}. I have never received ANY contact from either XXXX  or Stenger and Stenger. Ever. I have never done business with them not have done any business with XXXX XXXX. I just see XXXX on my credit report and keep getting the run around from these companies. I asked them to delete the debt from my acct as I dont know its origin and they wont offer me a reasonable settlement.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO. (CA)

WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR XXXX   prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****
Consumer complaint received 2021-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp (CT)

I opened a savings account on XX/XX/2021 on Lending Clubs website. I transferred {$60000.00} from my home bank ( XXXX XXXX  ). I tried to gain access to my new account with Lending Club but was told my account was locked and being reviewed. I called my home bank to report this and was told the money is already gone and they could not help. My money is missing and nobody can tell me where it went.
Consumer complaint received 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$7300.00} XXXX {$0.00} XXXX XXXX {$3300.00} XXXX {$37.00}
Consumer complaint received 2021-08-19
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-01-24
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. (TX)

Equifax and XXXX are both indicating that I am disputing the account with XXXX XXXX and I am not. I requested they remove the verbiage that the account is in dispute and it still reports that. This thing hasn't been disputed in almost 6 months.
Consumer complaint received 2021-09-10
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: Navient Solutions, LLC. (NY)

Navient is falsifying information to still report on my account. The first delinquency from Navient was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, Navient 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a Navient executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that Navient is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.
Consumer complaint received 2020-01-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: JPMORGAN CHASE & CO. (CA)

WE HAVE TRIED UNSUCCESSFULLY FOR OVER 2 WEEKS TO ATTAIN A XXXX prepaid Visa debit card managed by Chase even though we have excellent credit over 825 FICO score and we have excellent credit history with Chase Bank wo manages this XXXX prepaid Visa debit card - we have paid off our entire home loan at Chase early with never a late payment and we have a Business Ink credit card with Chase that we pay off on time in full every month so THERE IS ABSOLUTELY NO REASON FOR US BEING UNABLE TO ACQUIRE THIS XXXX prepaid Visa debit card managed by Chase!! IT ISNT EVEN A CREDIT CARD - IT IS A PREPAID DEBIT CARD WITH OUR OWN MONEY!!! WE HAVE CONTACTED the Chase reps and supervisors directly assigned to on the phone every day for 2 weeks on this directly assigned to XXXX prepaid Visa debit card managed by Chase and they keep saying there is a technical glitch in the system and we need to wait a few days- which we have done and still we are being kicked out of system to apply for the XXXX prepaid Visa debit card managed by Chase - we get all the way through the application until the end when load initial amount on card and enter your Visa/MC debit card details and it comes back everytime not able to use that card!!! But Chase rep confirmed it isnt our debit cards as they have tried 4 different visa./mc debit cards that we have with hundreds of dollars of funds on them and still it denies our application for A PREPAID DEBIT CARD!!! and Chase supervisors are telling us it is " A GLITCH IN THE SYSTEM '' and there is nothing they can do!! ****THIS IS DISCRIMINATION UNFAIR BANKING PRACTICES THAT CHASE NEEDS TO CORRECT THIS " GLITCH '' NOW AND STOP BLOCKING/ DENYING US FROM GETTING OUR Starbucks prepaid Visa debit card THAT WE ARE OVER QUALIFIED FOR!! ****PLEASE FORWARD THIS MESSAGE TO MANAGER OF CHASE DEPT OF XXXX prepaid Visa debit card that Chase manages!! **** ****URGENT!!!! PLEASE EMAIL BACK REPLY RESOLUTION TO THIS URGENT ISSUE ASAP TODAY!!! ****
Consumer complaint received 2022-03-22
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. (FL)

I'm filing a complaint because Equifax because this is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. On XX/XX/2022, I spoke to a representative in the consumer affairs department for hour and 46 minutes and I was promised the account will be removed from my credit report. My Information has been compromised and there has been an account open with XXXX XXXX ( Original Creditor : XXXX XXXX  ) without my authorization. I have contacted original creditor and they have agreed and close out the account because I have no signature on file with them to open in any accounts in my name. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Equifax should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Equifax has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Equifax also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, Equifax did not REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but they gave me the run around and read of scripts to get me off the phone.
Consumer complaint received 2020-01-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (VA)

XXXX XXXX XXXX XXXX CNAC of XXXX Virginia located on XXXX XXXX XXXX XXXX. falsely reported to the credit bureaus serval times that a balanced was owed after trying to sue me and having they lawyer sign and agreement on XX/XX/2019. i have submitted the court papers serval times to the credit bureaus and they still state that they cant remove the debit that is owed. After contacting them and the lawyer office with XXXX XXXX they stated that their lawyer hadn't agreed to this and a balance was still owed. Now on XX/XX/2019 they are stating the only way to remove the debit is for them to fill out a 1099 form and I would have to report on my taxes but I didn't receive any payments are anything from this company. this was an auto loan with installment payments where I voluntary surrendered the vehicle due to it being a lemon vehicle, and they never disclosed that information to my attorney or me. The general manager XXXX was very rude when I asked why would they fill that form out seeing how I didn't receive any funds from them, he then stated I need to ask a tax advisor that.
Consumer complaint received 2022-02-23
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. (FL)

I have a lot different name on my account. 
They wrote my name in so much different way I would like to delate those names and just have on in the correct way. 

Also the address if you can delate my old addresses and just leave the recent one. 
Im working on my mortgage house and, Im having some issues whit it because of that